23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened a gym membership with XXXX XXXX. They double-charged my bank account. I asked to speak with someone and no one with authority to fix the issue would speak to me i.e. the manager/owners. I cancelled my account due to moving away which was a valid reason according to the contract. The billing company asked for proof. I had an out of state I.D . all the proof I need. They appearently wouldn't cancel the account as per their own contract terms and sold the account to First Credit Services collections for an amount equal to the entire membership, including what I had already paid. So they charged me for a membership that I already legitimitely canceled. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX http : //www.firstcreditonline.com ( XXXX ) XXXX
Product: Debt collection

Received collection letter stating that an unpaid paypal acct is in my name, never had a paypal acct. Second time theyre trying to collect, first attempt they recalled the collection after i complained to CFPB. This could go on forever. They recall when i complain and then reassign to another collection agency.
Product: Student loan

Last year in XXXX of XXXX I received an email that my loan servicer was switching from MOHELA to XXXX. Because of this my loans were in forbearance for 6 weeks while the transition was taking place. In XXXX of XXXX I started payment my loans through XXXX with no issues. Now last month ( XXXX of XXXX ) MOHELA starts sending my father and I emails about my loan before past due. I login in and see I owe and hefty balance however they had switched my loans to XXXX. For the last 4 weeks I have been in contact with MOHELA, XXXX, the national database for XXXX XXXX, and XXXX XXXX XXXX. Both MOHELA and XXXX are claiming I owe them each close to $ XXXX. Which would be $ XXXX in total. However, the total cost of XXXX XXXX XXXX  I took out was $ XXXX. Both servicing platforms are reporting that same loans causing my credit to sink. No one has helped me and everyone keeps telling me to call someone else.
Product: Checking or savings account

In response to a targeted offer of {$300.00} for opening a Bank of America checking account and making {$4000.00} in " Qualifying Direct Deposits '' in the 90 days following account opening, I opened a Bank of America checking account in XX/XX/2019. My employer then directly deposited amounts totaling {$6500.00} within 30 days after account opening. In XXXX, I called Bank of America and was told that I had met the requirements for the {$300.00} checking bonus and simply needed to wait 60 days to receive the bonus in my account. However, I received no bonus ( and have incurred {$48.00} in monthly maintenance fees since XXXX while I have waited for the bonus to be deposited ). 

At the beginning of XXXX, I contacted Bank of America via phone to remind them to deposit the bonus, and they claimed that the deposits made by my employer did not meet the requirements of the bonus because Bank of America coded the direct deposits as " Online Banking Transfers. '' The offer defined a Qualifying Direct Deposit as " a recurring direct deposit of a paycheck, pension,  Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. '' The offer also provides that " a transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, Merrill XXXX or Merrill Lynch account is not a Qualifying Direct Deposit. '' The definition of " Qualifying Direct Deposit, '' of course, does not require that the deposits be coded by Bank of America in any particular way. 

The deposits made by my employer were deposits in a series of recurring direct deposits of my paycheck electronically deposited by my employer into my checking account, and thus plainly meet the requirements of the checking bonus. The second portion of the definition of " Qualifying Direct Deposit '' is vague but seems intended to disqualify transfers made by the account holder to game the checking bonus offer system ( e.g., transfers from another bank account or brokerage owned by the account holder ) ; given that all deposits are " [ transfers ] done via ATM, online, or teller or [ transfers ] from a bank or brokerage account, '' this section can't reasonably be construed to disqualify direct deposits done by an employer online from an employer 's bank account, as that would disqualify all transfers and make the offer completely illusory ( arguably to the point of fraud ). 

I followed up with Bank of America on XX/XX/2019, and was told that they would re-review my claim for the second time. On XX/XX/2019, Bank of America cancelled a credit card I held that was attached to a rewards account with points worth upwards of {$500.00}. This seems like a retaliatory action. 

As far as I can tell, the only avenues for relief are a complaint here or a claim in XXXX 's Court.
Product: Credit card

On XX/XX/XXXX an autopay payment was rejected by my bank. The payment was immediately reissued and was within the statement 's agreed payment period. On XX/XX/XXXX, Amex charged a " Return Payment Fee '' of {$29.00}. 

On XX/XX/XXXX, I asked a Amex Support where in the autopay enrollment it discloses that automated actions could result in charges. The support person acknowledged that the charges are only disclosed in the card holder agreement. 

Failure to provide notice of additional fees as part of enrollment in a new service, autopay, is deceptive. The service performs an automated action that can result in charges while the user is not informed.
Product: Debt collection

I am a victim of identity fraud. I have never had a capital one card so it must belong to someone with a similar name to mine. I am requesting they show me my wet signature, all bills, payments and any other documentation of this account.
Product: Debt collection

My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have lived at this address since XX/XX/XXXX, and I have a copy of my lease agreement, which says the same. 
The Company is XXXX XXXX XXXX, the amount is {$1900.00}, the date is : XX/XX/XXXX. The current collector is : Procollect , Inc @ XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. The person I spoke to @ Procollect was uncooperative and hung up the phone as I was attempting to clear the matter. Since, I have returned their letters writing on the letters : that XXXX XXXX does not live at my address, and that I have lived at this address since XXXX.
Product: Credit card

I chgd on my Home Depot credit card so they would not close my account for inactivity, I never received the bill in the mail as that was the way my billing was set up. I received a late night message from XXXX XXXX telling me I had a late payment on this account. I immediatally paid the bill and called the company the next day. I found the email in my spam folder. They credited back my late fee and sent me a chk for the amount of the charge twice. I called the company and they assured me they would remove this from my credit report and it is still there. I value my credit score very much and would have never not paid a XXXX chg.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting 3 public records that I have tried to have removed. I contacted the XXXX XXXX XXXX and they provided me with a letter stating they did not report this information to the credit agencies. After research I found out that XXXX reported this information. I have tried to dispute with XXXX and I have not had any luck getting this removed. As a result I have been denied a mortage loan. This inaccurate information causing me serious financial issues.
Product: Credit card or prepaid card

We signed up for a Chase/Marriott XXXX XXXXXXXX credit card in XXXX under the sign-up promotional offer of {$250.00} credit, no fee for the first year, and XXXX bonus points ( now increased to XXXX ) if we spent {$3000.00} in the first three months. Which we did, in XXXX. The fine print said points would be posted in 8 weeks. It's been 9 weeks, so we contacted the number on the back of the credit card to find out when the points would be posted to our account. We were told that the deal would not be honored, and we would receive no points. I've spent all day going back and forth with Chase/Visa customer service and XXXX  XXXX customer service. XXXX  XXXX says it's a credit card account problem that they can not help with. Chase/Visa pleads ignorance of the promotion, even though it's currently visible on the XXXX XXXX website and was also the reason we signed up for the credit card in XXXX. We have received the {$250.00} credit and have not been charged the fee.
Product: Credit reporting or other personal consumer reports

I have sent 4 letters to correcte name, addresses, etc information. Letters ate attached as well as 3 certified reicepts. Credit report indication the same inormation addresses and name and disputed iems still on report and not removed.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from Transunion credit report immediately. Please remove the following : - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Thank you XXXX
Product: Debt collection

Portfolio Recovery LLC tried to sue when I have EXEMPTED INCOME after I had to go to the court house to show that after the fact the court dismissed in. The reporting of this debt has been on my credit report for over 3 years.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL ADDITIONAL ADDRESSES ON MY CONSUMER REPORT THAT I DID NOT CONSENT OR APPROVE OF. PLEASE UPDATE MY CONSUMER REPORT TO THE FOLLOWING INFORMATION ON THE DOCUMENT ATTACHED. IAM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

I never signed up for the Kikoff app, its $ 20 monthly but I dont know or have the account to pay, I asked numerous times to take off my credit cause I dont have information to the account and they still have it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXXeporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Product: Credit card or prepaid card

I was forcibly charged at an airport in a third country where the only choices I had was to pay unreasonable fees or lose my belongings. Below is the full story : I & my wife arrived from XXXX XXXX to XXXX on XXXX XXXX by XXXX XXXX XXXX, XXXX  XXXX. I booked XXXX baggage transfer facility at Terminal 1 for loading on XXXX flight XXXX for myself & my wifes travel to XXXX vide XXXX  no. XXXX. I had excess baggage of XXXX for which I was charged AED XXXX ( Charge of XXXX ) 1 ) Customer is allowed to book baggage upto two hours as per screen shot below. I had spoken to XXXX XXXX as per the time stamp of XXXX GST ( XXXX XXXX ) on XXXX receipt while departure time was XXXX XXXX ( XXXX XXXX ) as per screen shot ( Attachment A ) 2 ) As per XXXX website the price per kg from XXXX XXXX XXXX XXXX XXXX per kg when booked at airport while from XXXX to XXXX is not mentioned as per screen shot below from the website ( Attachment B ) Charges for excess baggage from various international location to XXXX is not published XXXX This is violation of the principle of transparency in pricing and fairness in general Attachments a ) Website screenshot showing luggage can be booked 2 hrs in advance b ) Price per kg as per the airline baggage policy c ) Emirates boarding pass of XXXX to XXXX XXXX ( XXXX XXXX ) & XXXX XXXX ( XXXX XXXX ) and Merchant slip showing charges in AED d ) XXXX Receipt
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion Dispute Department, I am writing to dispute XXXX fraudulent accounts that appear on my credit report : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$660.00} Date Opened : XX/XX/XXXX I have never conducted any business with these companies, nor have I authorized them to report any accounts on my credit report. These accounts were opened without my consent and are fraudulent. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent collection accounts. Please investigate this matter and remove both accounts from my credit report immediately. 

I appreciate your prompt attention to this issue and request written confirmation once the accounts have been removed.
Product: Checking or savings account

My debit card was compromised and there was 27 charges in the amount of XXXX for XXXX on XX/XX/XXXX I contacted my bank and apple on XX/XX/XXXX to report the fraud before the charges have processed. XXXX could not or would not reverse the charges, and my bank would not file a fraud report until the fraudulent charges had processed. 

I filed a claim after the charges have cleared my bank, the funds remains unavailable to me and I was told it could take up to 10 days for the claim. The bank is not moving any faster on this even given the significant amount. If I didn't have an emergency fund in savings I would be in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions and consent of the consumer ( myself ). 

XXXX and EQUIFAX has furnished my credit file with inaccurate information and accounts. I have try to resolve this matter several times by disputes with each bureau. Each dispute comes back as UPDATED and is a violation of my rights by law. 
If each bureau is furnishing different information the that very information is deemed invalid. This information and inaccuracies clearly violate the laws of the Fair Credit Reporting Act. Which information is correct? By what measures? I deserve the right to an account credit file. Please remove and delete this inaccurate account and information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Checking or savings account

I came to Capital One located at XXXX XXXX XXXX XXXX, MD XXXX on Saturday morning XX/XX/22 with {$6500.00} in {$100.00} bills. XXXX XXXX waited on me. After putting my money through the money counter ( that I could not see ) she informed me that it was not {$6500.00} but {$5600.00}. She manually counted it in front of me and it was indeed {$5600.00}. She convinced me that I had made an error. I am not sure what she did but I do know that I brought {$6500.00} into the bank and gave it to her. I could not see the money counter machine when she counted my money. I believe she stole {$900.00} of my money. She caught me and a very vulnerable time. I had a lot on my mind. Taking care of my wife recovering from XXXX, other personal things and now this. The one thing I can not believe is that she would take advantage of an XXXX man and a United States XXXX XXXX Veteran ( I was wearing a XXXX T shirt and mask. ) I have seen thieves disguised as customers robbing the bank but never thieves disguised as bank employees robbing customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting of the XXXX XXXX XXXX account # XXXX**** on multiple occasions ; however, the bureaus continue to report a past due amount for this account. I have never had a contract with this collection agency. I have never been past due with XXXX XXXX XXXX, yet this is still being reported. Each time I dispute the accuracy of the reporting of this account, it comes back as verified. The bureaus are reporting inaccurate and financially detrimental information.
Product: Debt collection

Cedars Business Services has been harassing me in regards to an invalid and incorrect debt and debt amount. They have been informed in writing in regards to their error, but they are not listening. I have informed them to stop contacting me but they have repeatedly continued. They have put completely false and fraudulent information on my credit report in regards to this incorrect debt. In addition, they have put a false note on my credit report indicating that I have " opened a tradeline with them ''. I have never opened any account or line with this company. This firm is illegally putting fraudulent and incorrect information on my credit report in this manner. I am asking the assistance of the CFPB to investigate this firm, it appears they have exhibited this behavior to many people according to the complaints I see. As a XXXX veteran, I am shocked at the manner in which this company is harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. Experion will not remove this account, unless you tell them to!
Product: Credit reporting or other personal consumer reports

Data breach and corrupted, I have mortgage loan hard pulls that were never authorized, request of debt validation, chain of custody with original contract and signature which Equifax, Experian, Trans Union claim to have verified but did not share this information with me over a 60 day window yet they still report the inaccuracies verified by companies that I have a active freeze in place.. My bankruptcy was amended due to clerical mistakes and account inaccuracies and upon contacting the XXXX XXXX XXXXXXXX states my records have not been verified by any of the 3rd party affiliates which claimed the verification ever occurred I have made several attempts at disputing these items which are public record to which my information was compromised
Product: Checking or savings account

So Ive had this account for a few months now and Ive had money deposited and taken out of the account a bunch of times. Ive been waiting for unemployment checks to get deposited into this account and finally it did last week and now they are telling me they dont wan na do business me with anymore and they are holding my money for 180 days then they will email me about receiving my money. Ive been waiting 4 months for this money and have bills months behind and when I finally get the money this company does this to me. Im devastated by this
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability raises concerns as a customer.
Product: Debt collection

I have been trying to get a collection paid in full for Charter Communications via a 3rd party - Amsher Collections. I did not receive any verifiable letter from AmSher about this collections and now they have given my collection The XXXX XXXX XXXX XXXX XXXX who verbally refused to send me any information on this. When speaking to an Amsher representative about this early 2022 I was informed I could go online and pay it, however, because I didn't have a letter from Amsher with an account number, I was not able to make an account to pay this debt off. 

The XXXX XXXX XXXX XXXX XXXX said they sent me a letter in XXXX- never received. 
Amsher never disclosed when they sent me a letter to dispute and refuse to send me any information because The XXXX XXXX XXXX XXXX XXXX has it, who also refuses to send me infomation. 

I owe {$120.00} to Charter Communications- or AmSher OR XXXX XXXX?
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I have no explanation. While I regularly check my report, this issue came out of nowhere. Refreshing my browser did nothing to fix it. I need a swift resolution with a thorough check of the documents I provided, as this has been extremely frustrating.
Product: Checking or savings account

I opened a Suntrust bank account online that had a promotional offer this past summer. I was never able to log into the account online or activate the debit card. I was told in order to do both and needed to go to the branch. I informed them I am XXXX and unable to go to the branch. I was then informed no exceptions could be made. At that point I told them to close the account then. Months letter I receive a letter in the mail stating the account I never used was now {$15.00} overdrawn.