23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.
Product: Checking or savings account

I was mailed to my home an offer for new customers. I had to open a checking a checking account at CITIZENS bank and receive {$300.00} With the same offer, open a savings account and also receive {$300.00}. " XXXXXXXX XXXX {$600.00} FOR SWITCHING BANKS. After not receiving the money, I went my bank manager who assured I was qualified to get the money. He sent a formal complaint to and said Citizens that was all he could do. The bank would call me or just deposit the money. That was XXXX. The case number if XXXX. My manager said this has happened a lot with this advertising. I still have heard nothing. This is a type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am disputing unauthorized credit inquiries and inaccurate accounts on my Experian credit report. These items are negatively affecting my credit score and were not authorized by me. Under FCRA 611, I request their immediate removal.

Unauthorized Hard Inquiries The following inquiries were made without my consent and must be removed per FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY Incorrect Accounts That Do Not Belong to Me The following accounts are not mine and must be removed immediately : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I opened a account with Coinbase about 3 months ago and after one month and a half I could n't transfer any bitcoins to other trading platforms because I do n't receive any SMS messages.I called the mobile provider and they said the problem it 's from Coinbase because I receive messages from anyone else which make sense.I emailed again Coinbase asking them nicely to disable any form of authentication so I can get my account back and after a week they said ca n't do that ( other exchanges can and sorted the matter within hours ) and the only thing I can do is to change my mobile number and I tried and it does n't work as well.Since last week I sent them 3 more emails and did n't get any answer.I do n't know what to do anymore.please help.
Product: Debt collection

Transworld Systems continues to call my home multiple time a day in search of people I do not know. I was given my home phone number by the phone company when I moved to this city, and I have no knowledge of the p eople who previously had this number.
Product: Credit card or prepaid card

I made a reservation on XXXX on XX/XX/2022 for {$380.00} for a 2 night stay at the XXXX XXXXt in XXXX XXXX. Upon contacting the hotel, I was told there was no reservation in my name and the hotel does not have a contract with XXXX. I contacted XXXX and the advised me to wait until the check in date and the hotel would have it in the system. On the day of check in when we were in XXXX XXXX, the hotel again said there is no reservation in my name and they do not take reservations from XXXXl. I again reached out to XXXX  and they contacted the hotel. I have an email from XXXXl stating the hotel is overbooked and can not accommodate my reservation. XXXX has a 100 % refund guarantee if you are unable to check into the hotel. I disputed the charge with PayPal credit and they continually side with the merchant because they have a non-refundable cancellation policy. The reservation was never canceled. The hotel had no room and the hotel has said anyone can call them and they will confirm a reservation was never made in my name nor was any money received from XXXX for a reservation.
Product: Bank account or service

BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX XXXX HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Product: Mortgage

I got behind due to forced insurance, my homeowners insurance was canceled and HSBC placed a policy on property.Another time they paid my tax bill and placed on loan, again this year they supposedly paid property taxes again although i paid them and notified of this.they said they would check into.I doubled my mortgage payment for a year, half was mortgage pmt, other half was to go to arrears as per agreement.they applied to principal.I was very sick this winter, XXXX. I was XXXX.My XXXX, but not as bad.XXXX.I have not been well at all, and have a XXXX.I have not made a payment in 3 months since the co, raised my pmt.from XXXX to XXXX a month.I am on a very limited income,XXXX a month and can not afford XXXX.per month.I want to keep my home and catch up, but can, t do it this way.I need a mortgage modification from HSBC to keep my home.i got a statement yesterday, ihave paid faithfully for 21 years.I was down to XXXX owed, now with not paying for 3 monthsi owe XXXX.Thats XXXX.Heck i only borrowed XXXX, must be some heavy penalty 's and interest.I need some one to explain this to me, how it works.I am warning everybody to stay away from them.When i first bought my home the mortgage was sold to champion who sold to HSBC, Last year pmts.to principal wasXXXX and interest pmts wasXXXX
Product: Credit card or prepaid card

My Delta SkyMiles Card was approved on XX/XX/XXXX, and I had enrolled in this card to take advantage of promotional offer of XXXX bonus miles during first 3 months of account opening. I am however not able to confirm minimum spend, current offer is {$1000.00} during first 3 months of account opening. 

After a spend of {$5300.00} during XX/XX/XXXX itself, I had contacted AMEX in XXXX for my bonus miles. However, they are unable to attach a promotional offer to my credit card application and informed they will not be able to disburse promotional bonus miles of XXXX. 

1. AMEX Delta Skymiles Card Approval Email. 
2. XX/XX/XXXX Statement. 
3. Current Delta Skymiles Gold Bonus Offer.
Product: Payday loan, title loan, or personal loan

Predatory lending practices.     The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00}  )  in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until  XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.
Product: Credit reporting or other personal consumer reports

For the last XXXX weeks, I've had to make multiple calls to XXXX in order to help me figure out my issue. They directed me to call the Department of Education... transunion... XXXX and everyone else in order to help. And I've now found out the problem is with XXXX. My XXXX student loans have been in forbearance ( and still are in " admin forbearance '' status as of now ).. but somehow i am 90 days late on the payments. I was only able to find this out from my XXXX XXXX app. On XX/XX/XXXX, at XXXX at night i was told my XXXX XXXX changed. I open the app to check it and it went down XXXX points!!! My XXXX XXXX was at XXXX and it had gone down to XXXX. I looked into why and it said my student loans were 90 days delinquent. On my XXXX XXXX, it shows a little green check for XX/XX/XXXX -- which means i was still in good standing at that time. I did my research and there are XXXX XXXX other people ( 43 % of borrowers did not resume making payments on their student loans ) out there having this SAME exact issue. I think this is absolutely absurd to drop XXXX XXXX people 's credit scores because of the forbearance running out without notifying them of this. This type of setback could have ripple effects throughout the whole economy who were looking into homeownership, a new car, etc. I have absolutely ZERO communication telling me this was going to happen. As soon as i found out, i made a payment on XXXX ( the company that bought out my loans from nelnet ) and i will be making the payments from here on out. But this has destroyed my XXXX XXXX and my chance at buying a home this year. 
To sum this up, my student loan services failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that now have significantly impacted my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan services are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. I am requesting that this delinquency be removed from my credit report immediately, as it was reported without proper notification and does not accurately reflect my ability or willingness to pay. 
Please investigate this matter and correct the inaccurate information as soon as possible. Under the FCRA, XXXX is required to complete the investigation within 30 days of receiving this dispute. I request a written confirmation of the results of your investigation and updated copy of my credit report once the incorrect information has been removed. 
Thank you for your prompt attention to this matter. 
Please feel free to contact me at XXXX or XXXX if you require any further information. 

Sincerely, XXXX XXXX
Product: Credit card

I applied for a Bank of America credit card 10 years ago. Recently, as I hadnt used the card in a while, I logged into my online banking to find that the card had been closed in XXXX. However, I had more than {$400.00} in cash rewards in the account, and now I cant redeem it. I have several questions regarding this situation.

1. I have been a Bank of America customer for over 10 years. Besides this credit card, I also have a checking account and a savings account with Bank of America. While I havent used the credit card, I have been using the same login ID to access my credit card, checking, and savings accounts, so I believe I have shown consistent account activity. Therefore, they shouldnt have closed my credit card. If they determine account activity by looking only at specific accounts, they should clearly separate the credit card account, allowing me to create a different login ID for it.

2. When I applied for this credit card, they stated that the rewards would never expire. But now the money no longer exists in my account. This is misleading to consumers in my opinion.

3. The cash reward is actual cash, not points, so removing this money without my authorization could be considered theft.

4. If I didnt redeem this money in time, since its cash, it should have been escheated ; its impossible for this money to just disappear from my account without reason. I should have the option to contact the state government to claim it, but they didnt give me this optionthey just told me its gone.

5. When I inquired about where my money went, they told me it returned to the bank. I dont understand what law allows them to take my money back into the bank. Will this money show up in their annual audit report?

6. Ive called them three times. Each time, I received different answers. The first time, they simply said no without any explanation. During the second call, they filed a case for me, saying I would receive a response within two weeks. It has now been three weeks, and I havent received any reply. On the last call, they just transferred me between departments without trying to resolve my issue, and each call lasted over 30 minutes.
Product: Debt collection

After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

In XXXX, 2018, Bank of America sent to the company of which I am a authorized user of a credit card in the name of the XXXX XXXX, a request for information to update their file. I filed this information twice through a branch store, which verified receipt of the information by the corporate office. At the time of filing this information, the bank had frozen any transactions to the account and had closed the account, despite the company having used this account for credit for a number of years with no evidence of delinquency or late payments. The reason given for closure was that the bank had no individual social security number on file as a guarantee of payment. This account had been active for years with no such requirement nor was there any reason for such a request, given the excellent payment history of the account. The XXXX XXXX is a 501 ( c ) ( 7 ) nonprofit organization that operates community pools and a clubhouse. Its governing board is composed of volunteers who are understandably reluctant to furnish a personal social security number to the bank. The members of the governing body feel that the bank has unfairly targeted this account for closure for no reason under normal business practices and request that the account be reinstated.
Product: Credit reporting

I contacted Experian on the phone because it would not allow me to dispute an address online. I called several times to dispute an address that is incorrect and does not belong to me. They refuse to remove it from my credit report. This address belongs to a family member and I do not live there.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Toyota Motor Credit corporation for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.
Product: Mortgage

I requested a loan modification, under the recommendation of the VA, on my VA home loan in XXXX of 2011 ; I was XXXX for two months and requested those two months be rolled into the principal of my loan. I resumed normal mortgage payments on the third month and have never been late. I remained in monthly contact with customer service of this mortgage company, and they consistently reassured me that the " late payment '' status on my paper bill was just a formality during this process and will correct itself once the paperwork is finalized. It took the mortgage company 11 months to " finalize '' the paperwork. This mortgage company reported to the XXXX credit bureaus that I was 120 days late for 11 consecutive months. This does not correctly reflect my payment history, I do not know what they would have to gain from this, but it is pulverizing my credit!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 

ACCOUNTS : XXXX XXXX  Accounts : XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a WellsFargo student checking account for my student aid and after a year the account was changed into a regular checking account with monthly maintenance fees without my knowledge. I incurred several months of maintenance charges and received an overdraft in my account by a {$3.00} dollar charge. I now have a balance of - {$44.00} after {$60.00} was taken out of my account for maintenance fees. I searched my statement and I used my debit card XXXX times every month, except for the last month on my statement ( XXXX transactions ) which would have protected me from the maintenance charge, but it did not and I was still charged a maintenance fee for the past 6 months.
Product: Credit reporting

During my duties as a XXXX of XXXX, XXXX, a construction company on XXXX XXXX, one of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I  realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX