23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I bought a Vacation Club Membership on XXXX/XXXX/XXXX while in XXXX, XXXX. I attempted to cancel it, but apparently did it wrong on XXXX/XXXX/XXXX. I also called them on XXXX/XXXX/XXXX and tried to cancel, they let me think all I had to do was call back after I got all my paperwork, so I waited until I got it but then I was told it was after the time limit. 
I put the charge on AMEX specifically because of the protection they say you have if you get ripped off. When I called AMEX initially the CS Rep told me it happens all the time, not to worry about it and they would get it taken care of, just file a dispute. So again, I let it go because they led me to believe they were going to take care of it, so on another angle, my time to cancel using another means ran out. I filed the dispute 6 times with AMEX and each time they denied using different reasons and documents they received from merchant that were not relevant in some cases. I have attached them. This company has an office, XXXX of them that I could locate, in the US also. I also went to an attorney, who charged me for a consult to tell me to " XXXX '' or file against Amex because I was not going to be able to do anything against the vacation club. I went onto AMEX community form website and there are numerous people on it with the same problem that I have had with AMEX and disputing charges. I have called and called them and just get passed to another phone operator. I have sent them written confirmation from the merchant where I tried to cancel on XX/XX/XXXX and then AMEX came back and said they denied because vendor said I never tried to cancel or never complained. If I was rich it would be different, but this was XXXX of my savings. I am just stupid..really stupid and looking for help. I am not trying to get out of paying, I have paid all of it to AMEX and I paid it before I had to. I did n't want to look like I was trying to scam someone out of money or just not pay.
Product: Mortgage

My spouse lost his employment on XX/XX/2019, but returned to work in XX/XX/2019. The loss of employment resulted in a loss of net income of approximately {$7000.00}. As a result, we fell behind on our mortgage payments. 

SPS sent us a Notice of Default Right to Cure ( the " Notice '' ) dated XX/XX/2019. The amount required to cure the arrearage as stated on the Notice is : {$8000.00}. 

However, the amount on the Notice does not agree with the amount due as shown on SPS ' monthly billing statements : Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$3400.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$2300.00}. 

Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$4500.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$3400.00} Statement dated XX/XX/2019 Payment Due Date XX/XX/2019_Payment Amount : {$5600.00} =Regular Monthly Payment XXXX + Past Unpaid Amount of XXXX Thus, the difference between the amount due as shown on the XX/XX/2019 Billing Statement and the Notice of Default : {$2400.00} ( Note : the Notice does include Escrow Payments IAO XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today because I am a victim of Identity theft, my life is in a place where I never thought it would be. Recently I did not know about how to handle this fraudulent account with XXXX that someone frauded me out of for {$5000.00} with that company. The company then sold it to another company as a collection and they've been harassing me and my family, coming to my home and calling me nonstop. Now I contacted the original creditor and they fraudulently sold the debt without telling me or contacting me to let them know that the account was fraudulent or going to be sold. Now as a consumer with your company im suppose to be protected from all fraud that takes place. I am not asking, you must abide by the law and this account has to come off. According to the FCRA all fraudulent accounts must be removed within 4 days or you are in violation of the law. Ive read up on multiple sites that you guys try to go around the rule and verify that the debt is inaccurate, but all my information was stolen so ofcourse they will try to verify because they think its me. This is not my debt but I am suffering for it do not let XXXX XXXX lie to you and say that its me. Do not let the criminals get away with putting this debt on my name. I want justice for me and my family. Im attaching my FTC report, state id, Identity theft affidavit, and proof of my address.
Product: Checking or savings account

On XX/XX/2022, I opted to open a citibank checking account promoting {$50000.00} for a {$1000.00} bonus. Ive met all terms and conditions. I never received the bonus. Several expedited inquiries, including requests from the branch manager have all been ignored. Its been OVER 5 months since the initial deposit was made.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDNXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDNXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I applied for an apartment but was denied due to my credit report. After reviewing my report I identified a fraudulent account opened in my name with a bank in South Dakota that I have never heard of nor done business with, XXXX XXXXXXXX XXXX It appears that a credit line was opened without my consent, and also delinquent. I filed an identity theft report with the FTC as well as my local XXXX Police Department due to this issue. I attempted several times to contact XXXX XXXXXXXX XXXX but I was unable to get ahold of a fraud department to help me as they stated that my personal information did not match any accounts managed by them, but yet this information appears on my report! I would like to report this business for not performing their due diligence and opening up a fraudulent account in my name.
Product: Debt collection

I went to XXXX XXXX for XXXX in XXXX, Arkansas emergency room. I have XXXX XXXX XXXX XXXX. I have no deductible or co pay yet they did not apply my insurance thought I handed it directly to staff. It was implanted into the system. Now, I have a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a permanent security freeze with Equifax. 

On XX/XX/XXXX, I attempted to register on their website. I answered the security questions to the best of my ability, but the website indicated that they were unable to proceed with registration. They offered the option to send a registration code to my address by mail, which I accepted. 

On XX/XX/XXXX, the registration code arrived. I entered this code into the Equifax website, but it was again unable to proceed with registration. ( No reason given. ) The only provided option was to call their hotline, which I did. 

The representative asked several security questions, which I apparently failed. As a result, they were unable to help by phone. I suspect that they may have incorrect ( possibly fraudulent ) information on file, which is preventing me from authenticating properly. 

As a result, I'm in a catch-22. They insist I can't place a freeze until they verify my identity, but I can't verify my identity because they are comparing my " security '' questions against invalid answers. Please help me resolve this situation.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection XXXX XXXX - XXXX - {$270.00} Late Payment XXXX  - XXXX XXXX - XXXX
Product: Debt collection

I saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. 
ECMC IS NOT BONDED TO COLLECT IN MY STATE
Product: Credit card

Chase placed credit inquiries on my XXXX and XXXX credit reports These are not my inquiries as I never applied with them. I called them and they promised to remove them but they never did. These inquiries are damaging my high credit score.
Product: Credit reporting or other personal consumer reports

I have sent a letter to credit reporting agencies such as XXXX, XXXX XXXX, and Equifax to remove unauthorized inquiries from my credit report. They have never responded about my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX MRS BPO LLC XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The account remains still on my credit report after company agreed to remove from my credit report.
Product: Debt collection

An account with XXXX XXXX was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to portfolio dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of 2020 they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the XXXX ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.
Product: Credit card or prepaid card

I applied for a PaylPal line of credit, run by Synchrony Bank, on XX/XX/XXXX. I got approval for {$4300.00}. I put a moving bill of {$2300.00} on it the same day. The bank pulled my credit, creating a hard inquiry on my report that registered on my reports XX/XX/XXXX. A new account was reported on XX/XX/XXXX. I just received notice today ( XX/XX/XXXX ) FROM MY CREDIT REPORT NOT PAYPAL OR SYNCHRONY that this account is closed. It actually close XXXX days after it was approved and opened. 

Called PayPal and they said it was synchrony banks decision and they couldnt reverse it or explain it other that it was flagged as a reporting issue. 

Called synchrony bank and they said it was high risk and due to activitywouldnt say if it was activity in my credit report-which there has been NONE since they pulled my report and approved this credit line-or the activity on the credit line which again, has a single bill from a moving company and I havent even been a customer long enough to get a statement never mind make a payment so Beware! PayPal and synchrony bank can ding your credit report with a hard inquiry, open AND close an account within days of each other with no fraud or poor credit practices on your part, which also dings your credit score! I got points off for the inquiry and a massive drop with an account opening and closing within a week WITH A BALANCE ON IT! It totally destroyed my score! The only thing fraudulent and high risk is doing business with PayPal or Synchrony Bank! They can destroy my credit report with zero repercussions! Fraudulent and highly predatory! Creating issues on my score to reflect high risk when they are the cause!!!
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX I was a victim of card theft. I report my card stolen and Bank of America advised me they would close my account as a result of the incident. Which I did not have a issue with. It is XX/XX/XXXX, I am XXXX XXXX XXXX   and trying to open a bank account so I can get things in order for my family. I got rejected due to being flagged by a system called " XXXX XXXX ''. Bank of America failed to advise me I owed a balance of {$2.00} before they closed my account and placed me on the " risk '' list. Really?? I'm a risk because of a XXXX $ overdraft. When I spoke to the rep she said they do not have to advise me of how much I owe because its my responsibility to know. When the blocked my access online so I was unable to check my account balances and no on told me this when I closed the account.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX ) who states that her supervisor is XXXX XXXX from Dynamic Recovery Solution. XXXX called me from XXXX. She stated " is this XXXX XXXX? '' to which I said " yes ''. She then asked if she could " verify either my address or my last 4 or the social '' to which I said " sure ''. My expectation was that I would provide my PII ( Personally Identifiable Information ) to her, however, she began rattling off my old addresses without confirming who I was. According to https : //www.consumerfinance.gov/ they are allowed to " ask '' for this information but I see nothing that states that they can start " providing '' my PII to an individual who is not validated. In this case, I am one of two XXXX XXXX ( s ) who could be receiving this call, as my father, retired XXXX XXXX XXXX XXXX ASP is also a XXXX XXXX XXXX I asked to speak with a supervisor but was told they " were busy '' and was not given the chance to discuss this further. The company is listed at toll free XXXX. The agent verified that the call was being recorded from her end. My PII was put at risk because this company is not following standard procedures for protecting consumer information. My associate XXXX XXXX was here to witness this interaction by speakerphone if you need any follow up statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing Comenity that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by Comenity bank. In addition, on a recorded line I was told by a Comenity representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for Comenity to  verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. Comenity representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. Comenity bank has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.
Product: Student loan

I am eligible for student loan forgiveness because I am a XXXX XXXX XXXX working in an impoverished school district. 
However, I keep getting denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I have two separate issues here. One is additional card mailed to me by unknown person who had my information. Even prepaid gift cards need personal information and may offer to open an account. I contacted the local police and told to destroy it. Requesting to direct deposit whole SSA as primary bank. Police said since not active destoy it. Trans union I began at least able to put a fraud alert and mail back utility bill and
1099 XXXX no I am not able to even find out what may be needed. However I have a utility bill and requested 1099 to get to them. So trans union may take a little while since I just mailed out what they requested. XXXX no they may be working on it but I will send them the same thing as trans union. If I call or write etc no answer. Nothing otherwise step by step
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I wanted to reach out to you regarding Fed Loan Servicing and their interpretation of the new rules under the XXXX XXXX XXXX XXXX program. I have a very specific question. I have XXXX payments that qualify for forgiveness under XXXX, and XXXX payments that qualify for forgiveness under XXXX. I was informed by Fed Loan Servicing that my payments under XXXX and XXXX can not be combined. In other words, if I want to qualify for forgiveness under XXXX, my payments under XXXX will be wasted because they can not be added to my XXXX payments for forgiveness. So, in short, I dont have XXXX total payments that qualify for forgiveness. I have either XXXX XXXX payments or XXXX XXXX payments, depending on which forgiveness program I choose. 

When President Biden expanded the types of payments that can qualify for forgiveness with XXXX, I can not believe that he intended for payments made under XXXX to simply not count anymore. Is there some way to find out whether Fed Loan Servicing is, as consistent with their history, simply making unreasonable rules to prevent public servants for qualifying for loan forgiveness?
Product: Money transfer, virtual currency, or money service

I got a Venmo transfer of {$500.00} from another Venmo user. 

The other Venmo user accidentally filed a dispute with their bank ( XXXX ) that is linked to their Venmo account. Venmo says I have to pay back this transaction of {$500.00}. My account became negative by - {$500.00}. The Venmo user promptly cancelled the dispute with their bank ( XXXX ) and Venmo but my account is still showing as negative for $ XXXX. I forwarded to Venmo the pertinent email between the other Venmo user and their bank showing that I dont actually owe anything. My account has been unusable ( in the red ) for almost 2 months now.