23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied, and was approved for the XXXX XXXX XXXX Credit Card from American Express on XXXX XXXX XXXX. The card had a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within the first 3 months. I completed this {$3000.00} spend by the end of the 3rd billing cycle XXXX XXXX XXXX the XXXX ). The agreement states the following : " XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6-8 weeks after the spend requirement has been reached. '' It is more than 10 weeks since I completed this spend requirement and I have not still received the XXXX XXXX XXXX points bonus. I have called American Express 4 times regarding this, they have escalated this issue 3 times however they have not done anything about it. American Express has clearly violated their end of the agreement and I would greatly appreciate if the Consumer Financial Protection Bureau would help me settle this matter. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed immediately! As I have been trying to do for over 90 days now!
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was repossessed by XXXX XXXX in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Mortgage

Have XXXX damage claims with Midland Mortgage, one XX/XX/2016 and the other XX/XX/2016, and they wo n't release insurance checks for repairs. Contractors turned me down on XX/XX/XXXX claim, which will soon expire, due to Midland Mortgage actions. Contractor sent all documentation for XX/XX/XXXX claim day we signed contract, plus I resent and Midland Mortgage continues to say have not received, which has presented contractor threatening to sue for work completed. Please read customer reviews on Midlandmortgage.com to find this is the way they are treating all their customers. Our only way is to refinance and that 's not fair. My insurance agent says that many checks have already expired due to Midland Mortgage unorganized mess. Do they not understand we ca n't take care of repairs without " OUR '' insurance checks.
Product: Student loan

Federal Student Loan Forgiveness I want to begin the poverty federal student loan forgiveness process. 

I have been unable to receive assistance with the student loan agencies. 

There are two agencies : Loan Type : J Account Number : XXXX First Disbursement Date : XX/XX/2006 Loan Servicer : COLLEGE ASSIST, XXXX Loan Amount : {$150000.00} Interest Rate : 3.88 % And several loans with this one company : Loan Servicer : XXXX  XXXX  AND XXXX  XXXX, XXXX This is the one who refuses to work with me for anything. 

Can you assist?
Product: Checking or savings account

In 2022, I opened a checking Chase account in order to manage my money for school. When I opened, I clearly didnt activate the overdraw service in my debit card that would let me the opportunity to pay things even if I didnt have enough funds to it. Although, a couple months ago a lot of charges appeared on my account. - {$130.00} from a XXXX XXXX where I rent a car. Even though I didnt activate the overdraw options Chase allowed the overdraw to happen. I thought I was using my other debit card in the XXXX XXXX However, I did used the Chase card to pay for some trips while I had funds on it. Once I spent all the funds, I just switched to my other debit card. However, some charges were made to my Chase debit card. I didnt know what to do since Im an XXXX XXXX I didnt know if I should paid the charges even though I didnt use my Chase debit card for it. Now, I can not used my Chase debit card and my account because it was close because of the overdraw money. Im so scared because this is going to have an impact in my ability to open new accounts in the near future.
Product: Mortgage

On X/XX/17 is when I began short sale application process. On X/XX/17 is I contracted with a listing agent to coordinate short sale. From XXXX am accessive amount of multiple tedious tasks were requested by Wellsfargo where the realtor and myself were responsive and thorough. On X/XX/17, the requirement to have the pre foreclosure sale addendum signed by 6 different parties without acceptance was completed which is the final and most challenging task was submitted in time. Signatures included the realtor, the realtor 's broker, the buyer, title agency, the short sale assistant, and finally myself. I 'm the midst of all of that Wellsfargo mandates the listing price of less than 30 % market value which stimulated a frenzy. The last and final date on X/X/17, Wellsfargo mandate a listing price of {$130000.00} which is {$81000.00} more than the initial listing which cause stress, frenzy, and unnecessary buyer chaos. Ultimately Wellsfargo sold the property at auction.
Product: Money transfer, virtual currency, or money service

Received a bill via email from XXXX XXXX XXXX. a company I hired to conduct soil samples at my residency. 

When the borings were complete I was asked to pay the {$3000.00} fee via Zelle, as the company was in the middle of an audit. 

I called the company XXXX XXXX XXXX XXXX. ), and confirmed the contact who was emailing me was indeed an employee with the company, she was. 

I tried to process the amount owed through Zelle but there was a {$500.00} daily limit. I made 5 payments for a total of {$2500.00}. 

XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} I received an email stating the email address needed to change on the Zelle account and this is when I called XXXX the evening of XX/XX/XXXX, to ask if this was normal. I am advised that it is not and to talk with XXXX. 

I call XXXX and speak with the person whom was sending the emails, only she did not send me ANY emails. I speak to her boss and forward all emails to them. They did not send the emails and did NOT receive any payments. I am told the fraudulent activity is in my hands because they did not receive anything from me. 

I make a police report with XXXX XXXX Police and call XXXX, XX/XX/XXXX. I am not only worried about the {$2500.00} but I am also worried about my XXXX accounts. I ask if a claim could be filed and if the accounts could be put on hold until we sort through this? The representative replies, there is nothing to sort through, fraud had not taken place, that I willingly made the payments and Zelle/XXXX would not stand behind it. I made a comment about possibly needing to close the accounts and the representative replied I should do that and hung up the phone on me. 

I scheduled a meeting with my branch location for the following day ( XX/XX/XXXX ). 

The branch personnel takes notes and tells me she will turn everything over to the Escalation Department and they will reach out to me, typically within 24 hours. I wait and hear nothing. I call the branch back and get the person assigned, claim # and phone #. I continue to call this department. Finally I speak to the person assigned and she tells me she has to speak to the Complaint Department to see if a claim had been filed. I tell her that a claim was NOT filed as I would have made reference of the number and that the person I spoke with hung up on me. She said she would have to hear from them. 

Five days later XX/XX/XXXX I am told from the Escalation Department that I need to file a Claim and Im given the same phone number that I called XX/XX/XXXX. 

I file the claim and receive an email this morning XX/XX/XXXX, telling me the claim has been closed. I called and before I could ask why the claim was closed the person informed me again that it was not fraud, that I willingly made the payments and that they were done with this issue and kept stating that they do not recommend Zelle for payments outside of family and friends. That I made the payments and there is nothing to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated, I am a victim of identity theft, I am a person NOT a credit repair company
Product: Credit card or prepaid card

I ordered curtains from XXXX and returned them. To pay for the order I used the XXXX credit card ( issued by XXXX XXXX ). I asked XXXX to put the return credit on my XXXX card which they did on XX/XX/18. I got a statement from XXXX credit in mid to late XXXX, not only NOT showing the credit ( so the account would have been {$0.00} ) but they added a late charge and a finance charge. I called them & explained that the credit had been sent on XX/XX/XXXX. They said they had no record of any credit refund from XXXX. In order to not have any negative impact on my credit I paid the entire balance. 
I then had several back & forth emails with both XXXX and XXXX credit. On XX/XX/18, XXXX, a XXXX customer service rep called me and we called XXXX credit. The initial rep couldn't locate a credit so she sent the call to a manager. He could see that, in fact, XXXX had send the credit on XX/XX/18 but it was " pending ''. he couldn't explain why it was pending-he said it was a computer bug that the company was aware of, but they only know there is a problem when the customer tells them. He told us it would have to be investigated and fixed by the IT dept and it would take 21 days. I checked online this weekend ( 3 weeks later ) and saw a refund check has been sent out for the late fee & the finance charge, but my original credit ( and pymt ) of {$100.00} is nowhere to be found. I called in again. Same scenario-got XXXX, a customer service manager, who said it was still pending. He couldn't tell me when to check back or who to talk with-just that I could call " anytime '' or go online " anytime '' to see if the credit has hit my account. And initially, in both calls, the pending credit was difficult for them to locate ( and I was told, initially, that no credit had been issued ). We are going into week 7 since the credit was issued with no resolution, and no interest on the Comenity Bank side in resolving this in a expeditious manner. Unacceptable.
Product: Payday loan, title loan, or personal loan

Applied for a loan, because i am the only one working right now because we just had a baby and we needed help, got approved used the money for bills and now im paying a ridculous amount on top of my other bills and putting food on the table for my family. They take advantage of hard working americans and take more money from you like a bunch of scam artist, how they are even a business i dont know. Every two weeks taking out more and more money is going to put my family out on the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a debt relief program with freedom debt relief. They sent me a flyer with a loan amount on it that happened to be exactly the amount of credit card debt that I held I called and was instructed by the associat that I was approved and that he could help me settle the credit card debt I had. While in a lengthy phone call with the associate of freedom i was instructed that i was approved for the loan and all they needed was the account numbers they instructed me to stop paying on the accounts I had enrolled with them. After about a month I started to recieve collection letters in the mail from the accounts I had enrolled with freedom I called them with my concerns stating that I was supposed to recieve a loan to take care of these accounts they told me that I was never approved for a loan that I was enrolled in their " hardship '' program I explained to them that the was their associate had told me I was approved for a loan and that the accounts I had enrolled with them were supposed to be taken care of and that I was instructed to stop paying on those debts. They tried to explain to me that I misunderstood the associate and that I was enrolled in the hardship program and that I was unelligable for the loan I explained to them that I wouldnt of signed up for the hardship program because I was current with all the companies I had signed up through them and that they needed to listen to the recording of me talking to their associate and could easily see that I was mislead into the situation by being promised a loan. Since dealing with freedom I have called on different occasions and spoken my concerns I told them I recently purchased a home and was afraid that my home owners insurance premium would increase I was assured that my insurance amount would not increase. Since then my home owners insurance premium has went up % 50. I've tried to contact them and speak with them about recordings and being mislead on the phone and basically they told me the reco derding were too old to go back and retrieve and that their associate did not mislead me and that It was basically my fault I'm still dealing with the company and the exorbitant fees associated with them I would appreciate a call back or a letter thank you XXXX XXXX phone number XXXX
Product: Money transfer, virtual currency, or money service

PNC Bank states that they can not transfer funds to and from XXXX XXXX. If XXXX XXXX is an FDIC insured financial institution I don't understand why I can not transfer my money to and from it. When asked to provide reasoning for why PNC will not transfer to and from XXXX XXXX, they stated that they do not and can not provide that information.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/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
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments on the following dates : *XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account at XXXX XXXX XXXX XXXX on XX/XX/2020. My application for was approved, I made a cash deposit, was issued a debit card and all was ok. Five days later I received information from XXXX XXXX XXXX XXXX informing me that my checking account had been frozen due to a report they received from a company called Early Warning LLC . Early Warning provided XXXX XXXX XXXX XXXX with countless information about myself which I never approved. Early Warning also provided false and misleading information. Early Warning is in clear violation of federal and state law by providing any information as I never even heard of Early Warning.
Product: Debt collection

I am writing without the assistance of any third party company. I am writing this complaint from my understanding of the Federal Law that is presented in my XXXX XXXX XXXX. I am the consumer, natural person who extended XXXX XXXX my credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature. In that moment, I created a financial asset pursuant to 12 CFR 360.6 ( 2 ) which is known as a negotiable instrument or promissory note. XXXX XXXX  sold said debt to MIDLAND CREDIT MANAGEMENT XXXX XXXX a third-party debt collector who is in violation pursuant to 16 CFR 433.1 which defines a consumer credit contract as well as the consumer, 16 CFR 433.2 which states NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER., and 16 CFR 433.3 which defines open-end consumer credit contract, open end credit and contract in reference to a consumer credit contract ; MIDLAND CREDIT MANAGEMENT XXXX XXXX is in violation pursuant to federal law. I am aware the pursuant to 12 CFR 226.2 the original negotiable instrument is a credit card account under open end consumer credit plan MIDLAND CREDIT MANAGEMENT XXXX XXXX has used harassment and abusive tactics in attempting to collect alleged debt filing a summons without the proper course of lawful actions, hiring an attorney ( XXXX XXXX XXXX XXXX XXXX who too is in violation pursuant to 15 U.S.C 1692e ( 3 ) false and misleading representations causing anxiety, headaches, less time tending to daily tasks etc and I am unsure of how to resolve these matters, please help!!
Product: Credit reporting or other personal consumer reports

On Wednesday XX/XX/year> and again XXXX  XX/XX/year>. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?
Product: Credit reporting

There is an apparent personal loan on my report that is not mine. 
XXXX XXXX {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

On XXXX XXXX this complainant contacted the collection department for the check cashing store and spoke with the its collection department. I told the Collection department that a collection debt appeared on my credit reports for an unpaid loan. At that time they confirmed that I had paid all previous loans and that no loans or instalment loans were due or owed a that time. They concluded by stating that they were removing my number from being forwarded to their department. 

Vance & Hoffman LLC have caused damage to my credit report woith this erroneous debt, failed to provide any communication about the existence of the debt, which indicates that the failure to validate with proper notice about the alleged deb tin a timely manner prior to reporting the debt. By self admission, th failed to notify this complainant ; law office failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.