23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After very careful consideration and research, I completed the " pre-approval '' process for several credit cards and even a car loan ( Bank of America pre-approved {$47000.00} loan on XX/XX/year> ), I decided to apply with Bank of America on XX/XX/year>. I did not want multiple hard credit inquiries, so I was extremely careful. I have recovered my credit XXXX points after a disastrous identity theft. So, I completed the " pre-selection '' process with Bank of America, entering my last 4 of social security, address, date of birth, income, and all other information I had entered in other pre-approval processes. The site returned with my " personalized offers '' and recommended several cards. It also stated that I could only get those offers if I applied immediately, on that site. Otherwise, the offers may not be valid. 

I was denied. I texted with Bank of America, then called Bank of America and both XXXX  on text and the the nice woman on the phone ( I have the recorded phone call ) stated that they do NOT have pre-approval for credit cards. This went back and forth for a while. She then said that I should wait for my letter of denial, see the reasons, and ask for reconsideration. She was also going to submit a dispute with the credit bureau, on my behalf, asking to remove the hard inquiry due to fraud ( her idea ), because I was misled by their website into believing they had pre-approval. 

The dispute was denied. The reason for the denial of the card was that I did not keep money in my Bank of America account. It clearly stated that it was not my credit, but the balance of my account that was the reason. I only have that account for convenience. The {$4.00} checking fee sometimes hits before I pay it, but I always reconcile it. So, I called again, finally got to the right department, and talked to XXXX, on my recording, who stated that they don't have pre-approval, there is nothing " personalized '' about their offers, because they treat clients and non-clients the same, and then went around and around about the " pre-selection '' process I insisted they had. First, he denied it. Then, he said no pre-approval is guaranteed. And then just belittled me for quite some time for thinking that the process I did was valid. I pointed out that they do treat clients and non-clients differently, because I was denied for being a client, not my credit. Then, I fact-checked their " see if you're pre-selected '' process. I put in completely fake information, and I got the same " personalized '' offers. While nothing is guaranteed, EVERY other bank I checked out that has the EXACT same process actually does a soft-inquiry and returns a fair assessment of your ability to be approved for credit with them. Bank of America 's process is nothing but an advertising scam. 

I believe their advertising process is misleading, deceptive, and fraudulent. I caused me to have a hard inquiry on my credit and I want it removed. I think their whole scam should be taken down, but for me, I want my credit to be repaired.
Product: Debt collection

ACCOUNTS WERE OPENED IN MY NAME AND NEED TO BE UPDATED
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction.

I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES.

Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document.

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX XXXX XXXX fraudulently processed loans on my behalf.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 XXXX removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and equifax keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX in XXXX XXXX has a XXXX event page in which a scammer posted they had some tickets for sale for about 1/2 off for two days. 
Lots of locals do this as they might change their mind at the last minute or can not attend, so it is not uncommon. So I texted the number XXXX to obtain tickets, and they texted me back. I still have copies of all communication on the text if needed. They stated they would sell me tickets for two days for {$80.00} which is about 1/2 off including a parking pass. They sent me an photo that stated XXXX XXXX was going to transfer her ticket to me but needed and paypal code for transfer. Then they gave me the email of XXXX to pay them. I sent {$80.00} but then they wrote saying they did not receive the payment which was true. It was put on hold. Then they asked me to send 1/2 of the money to another account just to assure they received payment because something was wrong with my account. When I went to try to cancel the payment, now realizing it was a scam, I could not because it was not pending. It was on hold under investigation until XX/XX/XXXX. I wrote a dispute and requested a refund from them. Of course, no response. Then PayPal sent this information to report them, so I realized their account was under investigation already. I changed my passcode on paypal, reported my concern to them and you, and posted the scam on JT music fest site. Now, my {$80.00} is stuck until it will be investigated for 90 days. 
Please investigate these scammers probably international scammers. The phone number originally had a message, then went to a disconnect. 
Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am here to file a fraud claim. I was a victim of fraud. A scam was conducted. I was first initially called by a true Bank XXXX XXXX number because they were trying to warn me that someone was attempting to illegally sign onto my account. Unfortunately, during this phone call and external person was able to spoof the phone call and hijack, the number. 

The following day I got a phone call from the same Bank XXXX XXXX phone number with the Bank XXXX XXXX ID as well. However, this was a spoof call. The theif hijacked the number so they called my phone using a real Bank XXXX XXXX phone number despite being a scammer. The thief on the other side, who is the scammer told me that they were able to prevent my money from being stolen and that in order to now secure my account to protect my information that I have to make a wire transfer to another account. I made a wire transfer of {$9800.00} to a JP Morgan Chase account on XX/XX/year>. I have already filed a fraud claim through Bank XXXX XXXX. I filed this claim on XX/XX/year>. The analyst that is assigned to my case under Bank XXXX XXXX has not been able to get in contact with any bank analyst from the JP Morgan chase bank. Bank XXXX XXXX has not yet received a response. 

I also filed a police report, yesterday XX/XX/year>. 

I am hoping that the consumer financial protection bureau can help me retrieve back the funds that were stolen from/ scammed out my account. I am hoping that you guys can help expedite things and have JP Morgan freeze the thiefs account, and also let me or my Bank XXXX XXXX analyst know if the funds of {$9800.00} are still currently in the thiefs bank account.
Product: Debt collection

They claim I owe a little over {$7000.00} from a previous line of credit I never had all the way back in XXXX XXXX XXXX I informed them I never even had this company on my credit report untill this month when they, the debt collectors, put it on there! Never had a line pf credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE FOR CREDITORS! THIS IS A REQUEST TO EXPERIAN TO ADD ADDITIONAL INFORMATION TO MY CREDIT THAT IS CURRENTLY MISSING. The accounts listed below have never reflected expiration dates as to when the accounts will expire and be removed from my credit, even though all are and have been closed for years. 

XXXX. XXXX # XXXX - this account is paid & closed but does not show an expiration date as to when it will fall off. Please add the date so that I can track it. 

XXXX. XXXX # XXXX - this account was charged off but is close to its expiration date. There is no date showing currently to assist in tracking when this will fall off. Please add it so I can track it. 

XXXX. XXXX XXXX # XXXX - this account has been charged off for a long time. There is no expiration date listed to assist in knowing when it will fall off. Please add the date it will expire on my credit, so that I can track it. It should be close to expiration as well.
Product: Mortgage

Shellpoint Mortgage Servicing sent me a first notice of default, filed on XX/XX/. The notice states that I failed to make my mortgage payments of {$2300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX totaling the amount to {$11000.00}. I was very skeptical about the amounts and months they stated I missed, but because I had 10 days to pay this amount, I didn't have time to look deeply into the amount they stated I owed. I had 10 days from XX/XX/XXXX XXXX which was XX/XX/, to cure the default. I sent a payment in the amount of {$11000.00} to Shellpoint Mortgage Servicing and they received it on XX/XX/, curing the default. 

My lawyer spoke with me on XX/XX/, and informed me that she received a package from Shellpoint Mortgage Servicing dated for XX/XX/, that states " As of the date of this letter, your account is 3 payments past due, total amount of past due payments : {$6900.00}. '' My lawyer informed me that this is very strange because she received the Withdrawal Notice of Default and 3 days later, received a letter stating that I am 3 months behind. '' She informed me that this is not uncommon for Shellpoint Mortgage Servicing as they tend to add unexplained hidden fees. Explain to me how you all received {$11000.00} on XX/XX/XXXX XXXX XXXX curing the Default to now 26 days later I am 3 months behind owing {$6900.00} all in the month of XXXX. 

After speaking with my lawyer, this is when I knew that Shellpoint Mortgaging Services was doing Fraudulent activity. I also checked my online statement dated XXXXXXXX XXXX and it states that the total past due is {$8800.00} in which you have included unexplained fraudulent legal fees for {$1900.00}. 

I have sent my XX/XX/ XXXX  Payment in the amount of {$2300.00} and I only owe for the month of XXXX. Even if you were to " hypothetically '' state that I am behind for XXXX and XXXX, the fact of the matter is that none of these numbers are adding up to my actual mortgage payment which is why I know Shellpoint Mortgage Servicing is conducting fraud. 

These notices and false claims are very concerning. After looking up the reviews and negative complaints along with several lawsuit settlements from Shellpoint Mortgage Servicing addressing this same issue, I am very disappointed, and furious that my mortgage was transferred to this company. 

I am requesting that Shellpoint Mortgage Servicing sends me a copy of all my payments that I have made since my mortgage was transferred from XXXX XXXX XXXX. I am also requesting a breakdown of the unexplained legal fee that was added to my XX/XX/, invoice, and a breakdown of all the unexplained fees that Shellpoint Mortgage Servicing has added to my previous invoices. 

Enclosed I will be adding documentation.
Product: Student loan

I forget to renew my income based repayment, so I have a 30 day missed payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports in XXXX of 2022 to see what is on my credit due to my credit scorXXXX being so low. Upon receipt I noticed multiple fraud accounts with opened and closed statuses. I reached out to all the creditors with no relief, so now I am submitting a formal complaint.
Product: Debt collection

On XX/XX/2023 I had XXXX at XXXX XXXX, XXXX, XXXX. My surgeon was an XXXX XXXX XXXX physician. I receive my billing on the XXXX XXXX, and claims are submitted through my health insurance company, XXXX XXXX XXXX. All claims were submitted and processed by XXXX, 2023. I set up payment plans for the remaining amounts due via clinic billing services according to XXXX. I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2023 for {$1800.00}. I called XXXX insurance as I was confused as to why I received a separate bill in the mail and that I was under the impression that this debt was inclusive with the current payment plans I have in place. I called the number on the bill to discuss the amount due and make payment arrangements. The woman was hard to understand, but we did our best to communicate. I was told that I should received a call in within 2 weeks to set up a plan. I never received a call back. On XX/XX/2023, I contacted my insurance company again to resolve the billing issue. They told me to file with XXXX if it doesn't get resolved. That the XXXX XXXX XXXX program implies that I should not hqve been billed twice. Today, I learned that the XXXX XXXX XXXX XXXX sent me to collections with XXXX, A global services company, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I received a call today, XX/XX/2023. 
This is not best practice, nor, did they prove I owed this outstanding amount which is already being paid by my payment plan with my hospital. I want this removed from collections and investigated as to why I was double billed and not offered an opportunity to pay my debt through a payment plan prior to sending it to collection a mere 6 months after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX/ DEPT OF ED & they told me I've never missed a payment, yet XXXX and Transunion refuses to remove me from being listed as late on XXXX on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late dates from these accounts : XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a mattress at Mattress Firm of XXXX, GA using a Mattress Firm credit card from Synchrony Bank for {$530.00}. 

On XX/XX/XXXX I made you use the satisfaction guarantee offered by the store and decided to return that mattress and purchase a different mattress plus an adjustable base. 

The total retail cost of the items I purchased on XX/XX/XXXX amounted to {$2500.00}. To that, a credit for my return was to be applied in the amount of {$530.00} making the total balance to be charged on my card XXXX with 24 months interest free financing. 

As of today, XX/XX/XXXX, the total balance owed on my card is {$2100.00} despite the fact that have been making payments since XX/XX/XXXX totaling {$310.00}. 

The summary of transactions on my account does not reflect the return of the first mattress for {$530.00}. I have reached out to Synchrony Bank on numerous occasions to settle this discrepancy. I have provided Synchrony Bank with a copy of my receipt as they requested. They have closed my dispute stating they do not show I am owed a credit. I have requested to dispute the decision and have been told this is not an option. The promotional period on the initial purchase is set to expire in 23 days leaving me to pay interest on a purchase i returned over 5 months ago. I have made multiple calls to Synchrony and have attempted with no success to explain how my account balance does not make mathematical sense and I am met with denial with out explanation. 

I would also like to point out I was not notified of the decision of the dispute until at least XXXX months after the decision when I called to inquire for a third time ( prior to this i had been told the dispute was still pending after the date of resolution Synchrony later gave me ). To date, I have not been given written notice of the decision by mail or electronically.