23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I applied for a " VERVE '' credit card through XXXX, XXXX, MO. On XXXX/XXXX/15 an account number was given to me. On XXXX/XXXX/15 the card was activated and an upfront {$35.00} activation fee had to be paid before they would activate the card. The {$35.00} activation fee cleared my bank on XXXX/XXXX/15. On XXXX/XXXX/15 I made a {$100.00} payment on this account through my checking account but accidentally I left out XXXX number and the payment was returned. I did resubmit the payment on XXXX/XXXX/15 that cleared my bank account on XXXX/XXXX/15. My " VERVE '' credit card was placed into a revoked status on XXXX, the same day I made the payment, giving the customer service rep the corrected bank account number. I called " VERVE '' customer service on XXXX/XXXX/15 asking to explain this to me and I was told that I had to resubmit another {$100.00} payment by guaranteed funds because of the XXXX payment issue. Even though they received my XXXX payment on XXXX/XXXX/15 with a bank confirmation number, they requested another payment before my card would be re-activated. So, my account was revoked and I still have to pay the {$120.00} activation fee for a card that was used 1 time, and I only had for 2 months. This company has many bad reviews on the internet and they should be investigated for they way they conduct business. People, like myself, looking to re-establish credit do n't have many options and I feel this company takes advantage of people like me. Basically, I had to " give '' this company {$120.00} of my money and go through drama unnecessarily.
Product: Credit card or prepaid card

I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At  first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. 

Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said "  yes '' to these questions. 

My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.
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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

For many years I have looked at my account and in accordance to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow procedures to assume maximum possible accuracy of the information concerning the individual about whom the information relates according to 15 U.S.C 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604A section 2 It also states 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 information is inaccurate.
Product: Debt collection

A letter was sent to my home, alleging to be a collection agency for a debt to XXXX. The letter was addressed to my maiden name, which I have not used since before XXXX existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.
Product: Mortgage

I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. 

I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. 
I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. 
The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. 
The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. 
That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an alleged account. I have disputed this account on numerous occasions. XXXX keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. XXXX is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all XXXX  different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. 
Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Product: Bank account or service

I had XXXX deposit accounts with JP Morgan Chase. A Checking and Savings. Upon calling to check my account balance on XXXX XXXX, 2016, I was informed by the telephone representative that after investigation, Chase has decided to terminate our banking relationship and has closed all my accounts. When asked why, they explained that they do n't have to disclose any additional information in regards to the matter. I explained to them that my direct deposits from my employer were scheduled to hit the account the next day. She advised me that all of my cards have been deactivated and that I would have no access to any of my funds. When I asked when I could get my funds, she stated that I would receive a cashiers check in the mail, 7-10 businesses days after the close of my account. Today is XXXX XXXX, 2016. I have spoken with multiple representatives who have all told me different versions and dates associated with this matter. To resolve the confusion, I requested documentation of the the date this " investigation began, the date it was completed, the date both of my accounts were closed and the ending balance for both of those accounts. Along with documentation of the date my remaining funds were mailed out. Loss prevention and the fraud department both told me that there are no such documents available. When asked if I could receive a tracking number for the check, they explained that tracking numbers are only provided to customers with {$5000.00} or more. Everyone else is on their own. I then escalated my issues to the executive office, where I spoke with someone by the name of XXXX. He informed me that those documents do exist, but for internal use only. When I asked him where this information was located in the terms and agreements for my deposit account, he said it 's not. And if I wanted to get that information, I would have to obtain legal representation. So here I am. I have yet to receive my remaining funds in the amount of {$400.00}. I have had to pay multiple late fees for various bills, I could n't pay my sons tuition because at the time, all my funds were tied up in the account. He has now been dropped from his program. I understand that they can close my account whenever they want, but this is insane. I ca n't even get documentation to verify the numerous lies told to me. Please let me know if there is anything I can do, or if I am just at the mercy of the bank. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I made a deposit of {$7000.00} from a sale of a motorcycle via mobile deposit with U.S. Bank. On XX/XX/XXXX, I was notified via email that the deposit was accepted and they released {$220.00} of those funds, pending verification of those fund. I checked my online banking account to verify that the {$220.00} was there and it was. The available balance was near {$0.00} at that time so any transactions would have been declined as I did not set up overdraft protection. I went out to eat and there was a second purchase that went through and mostly took from that {$220.00}. On XX/XX/XXXX, I noticed my account was negative. I went in to look at details and found that the {$220.00} was removed and I was charge overdrafts for my two transactions. After working with the bank via phone, they said that the check needed further security checks and had to wait XXXX business days. They could not explain why {$220.00} was released as they did not see it. On XX/XX/XXXX, I explained what happened and was basically told that I was lying as there is no evidence of the {$220.00} ever being released. I explained if that {$220.00} was not there, that my two transactions would have been declined. I closed the account because I feel I was extorted for those two overdraft fees and an additional extended overdraft fee because of those as well as making me look like I was lying as there was no evidence outside of my email, that says there was {$220.00} released from that deposit. Unfortunately, the only evidence I have is of the email, because I do not think to take a screen shot of every bank transaction and would not know that the bank would remove evidence of releasing such funds, they made the funds release look like it never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a account thats already been paid and deleted by the creditor I recently
Product: Student loan

Sallie Mae advised me to enter interest only payment right out of school due to amount of private loans. 

After a period of time I realized this would extend my repayment period, thus leading to higher cost of loan repayment. 

Instead of standard repayment, I was misled into extended repayment plan. 

My loans were issued in XXXX  and at this rate, won't be paid off until XXXX. 

I was misled into the fact that these private loans would never qualify for Public Loan Forgiveness as well. 

Navient is now my service provider. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a business report from Experian XXXX XXXX Report stating I have 3 equipment leases which I don't have and other persnlsvcs of which I have no idea what this even is. On top of this they are reporting under my business name another person as a member that was removed since 2017 as a member manager. This is the type of reporting we get from supposed respected company 's operating in the USA unbelievable. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account on disputed XX/XX/24. Never received any information or updates.
Product: Debt collection

My wife opened this account without my knowledge. She had access to our home computer, my dob, ss #, checking account and email. 

She used the proceeds from this loan to payoff all her charge cards which were at their maximum limits. 

At no time did I open this account with lending club for {$8600.00} It is now in collections with XXXX XXXX XXXX. for the above amount.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I withdrew a Payday Loan from Amscot for 500.00. From its XXXX XXXX location in XXXX, XXXX XXXX Florida. I also closed my bank account attached to my profile a few days after when I was notified that they could not change the payday of my loan to my actual pay date which was not the XXXX of XXXX but the XXXX of XXXX. Amscot has done this for me in the past and it shows on my past receipts when they were paid and when the loan was issued in their system as well. I would ask them to fix their system limitation and add an extra 5 days by contacting management and I had no issues 2 previous times. I received a phone call from an employee there telling me that they were pulling a check anyway when it was not possible. What she was really saying was she was going to fraudulently lie in their system when the process was not going to go through and try to collect miscellaneous and fraudulent fees. I have a long history of paying back my loans with the company and they did not attempt to do what this employee on the phone was trying to do. I am asking for management to fix the apparent customer service issue that I am currently experiencing at Amscot. And to be contacted personally about this particular locations malicious behavior towards my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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: Credit card

On XX/XX/2023, I had Navy Federal Credit Union transfer a balance from another credit card company in the amount of {$790.00}. On XX/XX/2023, I paid off that entire balance. On XX/XX/2023, I was charged interest in the amount of {$11.00} and didnt understand why. On XX/XX/2023, I called the credit union and spoke with XXXX and he stated that I was charged interest and would continue to be charged interest until my entire credit card balance was paid in full. I asked him how could that could possibly be legal. He said that I was made aware when I signed up for the balance transfer and that he would email the terms and conditions to me. I advised him that I was not made aware of any such terms and conditions and he placed me on hold because I asked him to read the information to me. He placed me on hold and was not able to provide the information and at that point, I requested a supervisor. A supervisor, who identified herself as XXXX took over the call and she said that XXXX said that he had confirmed my email address and emailed the terms and conditions and I advised her that both things were a fabrication of the facts and extremely concerning to me. I advised her that I had already filed a complaint ( XXXX ) with the CFPB regarding other fees regarding a cash advance and the credit union had requested additional time to respond. I told her that the credit union had advised me that they were confident in their position and I told her that if that was the case then I didnt understand the need for additional time to respond to the complaint. XXXX went ahead and emailed the terms and conditions to me after the fact and I asked her why that information wasnt provided to me before I received the balance transfer. She said that information was available on their website. I advised her that I had already paid the balance transfer in full and should no longer be charged interest and she said that the credit union doesnt have the ability to keep separate balances, yet they itemized three separate charges for interest for balance transfer, cash advance and purchases, so her explanation didnt make sense at all.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report that persists despite my repeated efforts to resolve it. The presence of these unauthorized items has significantly impacted my life, causing substantial stress and XXXX  I must emphasize that I never authorized or consented to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I notice the following inquires in my credit reports which i did not authorize : XXXX on XX/XX/XXXX andXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX onXXXX
Product: Credit reporting or other personal consumer reports

I asked for company to validate the debt. They did not send proof They have violated my rights as a consumer please have them remove immediately THIS IS NOT MY DEBT ACCOUNT ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act Midland Credit Management has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a credit card from Bank of America in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted Bank of America, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to XXXX, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru Bank of America. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, Bank of America actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with Bank of America that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with XXXX and they removed it and supposedly started an investigation. However, here it is again and XXXX said they completed their investigatin and that Bank of America said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both Bank of America and XXXX it would be taken care of. XXXX investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. Bank of America says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by Bank of America and XXXX. XX/XX/2022 I make contact with Bank of America 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job Bank of America, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed 2 fraud claims with Bank of America for the same situation and 1 with XXXX. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.