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

My husband already submitted one request last night with my account as a joint claim. After speaking with the credit card company, my husband 's claim was reopened with the credit card company but mine was not. we had charges placed onto credit cards that we had no idea that we were getting. I ended up getting my own account after signing as a joint applicant on this generic/blanket credit application under my husband. I assume the vacation club took my information from the papet and put it into a separate application. I have a charge of {$2200.00} on my card. like my husband stated, we did sign a membership contact which is now cancelled and this has nothing to do with us authorizing this vacation club to take money off of credit cards that we didnt know about. we NEVER signed a receipt or verbally authorize this vacation club to take money from these credit cards. There were no services or Supplies rendered. we also let the vacation club keep {$1000.00} dollars from our bank account during this cancellation. It would not be right for them to keep the {$2200.00} from my card and {$4500.00} from my husband 's card after illegally taking the money. The credit card company sided with vacation club after they showed them we signed a contract for a membership with them and failed to cancel during the 3 day cancellation policy. yes, we failed to cancel with them after being toyed around for a year with lies about not being able to cancel. at the end of the day, this vacation club contact has nothing to do with us authorizing this company to take {$6700.00} dollars from us without our consent.
Product: Debt collection

Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because. 

XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 

XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 

I have also received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics.
Product: Credit reporting or other personal consumer reports

{$3800.00} Open balance XXXX XXXX Original creditor Subject : Request to Remove Closed Account from Credit Report Dear CFPB I am writing to bring to your attention an issue with my credit report. I recently discovered that an account that was closed over XXXX years ago is still listed as open on my report. The account in question is with XXXX XXXX. 

I kindly request that you investigate this matter and remove the closed account from my credit report. It is not accurate or fair for this account to be kept on my report for so long, especially when it has been closed for such a significant period of time. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. Please let me know if you require any further information from me to facilitate the removal of this account from my credit report. 

Thank you very much for your help. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

US AUTO FINANCE INC has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information you provided that I understated my income and now I owe a debt with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute back in XX/XX/2019 and it still says its open and it should take 30 days for the results. Still no response and its 4 months later? I filed several disputes for all the unknown collection accounts on my credit report! None of them have any answer to my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

formation on 3 items is shown differently across all three credit bureaus. I have sent multiple letters regarding this and for some reason they wont take it off. Estimated drop off was due back in XX/XX/2016 but still its shown on my report. I have specific account numbers and amounts that I can provide upon request.
Product: Credit card

I opened a Bank of America XXXX XXXX credit card on XX/XX/year>. I added the card to my online account and set up paperless statements but I am unable to make payments online due to what appears to be a Bank of America IT error. I contacted support twice, once via live chat and once via phone. The support associates said my issue would be resolved within XXXX days on both occasions but as of XX/XX/year> I am still unable to make payments online. The second time I called in the support associated refused to transfer me to an appropriate team that could resolve the issue claiming there was no escalation process for this.
Product: Consumer Loan

On XXXX/XXXX/2016 at XXXX EST I got a call in reference to my late car payment with Hunting bank from phone number XXXX. I paid the car payment hours earlier today and before the representative called. The representative started giving out my personal information including year make and model of my vehicle and past due/payment amounts before they had officially verified it was me on the line. They literally asked If I was ( my name ) I said yes, did not ask another question. If it had been anyone else on the line they would have continued the discussion giving out my personal information but I informed them I was upset and they told me that this is how they do business and they did nothing wrong. No apology or anything.
Product: Debt collection

I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX XXXX I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$6400.00}.
Product: Prepaid card

I purchased a {$300.00} American Express gift card and have been unable to use them with any merchant. These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards.

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for

my four unusable virtual cards to a physical card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can
the original purchaser.

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old closed Kohls credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with XXXX dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past two and a half years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.
Product: Student loan

This is a formal complaint that dept of education is being non compliance as well as dealing in deceptive practices. My conclusion is the strength of following. In XXXX on I wrote dept of education a dispute regarding they sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act to which their response to the complaint was In accordance with our agreements with Department of Education, we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal Enclosed is a copy of EDs privacy notice, which states that for everyday business purposes such as to process your transactions, maintain your account, or report to credit bureaus, we do share your information and you may not opt out of this sharing ( plz refer to complaint number XXXX ) .However under 15 us code section 6802 obligations with respect to disclosure of personal information states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. To which department of education did not do and furthermore they stated in their response that I may not opt out to which is a clear violation of the law stated above as well as 15 usc 1681a2.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed my identity was stolen from my XXXX credit report, because I noticed it is unknown charges made to my account, which effected my Trans Union XXXX XXXX credit report.
Product: Mortgage

This complaint is a follow up on OMB # XXXX. I now notice a letter that was sent by First Horizon to XXXX XXXX XXXX ... which is not valid and has been part of my issue with identity theft. I do mot have a po box nor access to any. The borrower and the guarantor are two different names but bank states they are same person. I requested a copy of report the bank used to pull my credit and they would not provide. I contacted XXXX to obtain information on alias used. XXXX has no record of false name on any of their reports provided. 
The bank had a copy of my drivers lis envelope but names dont match. The bank had no identification on record on primary borrower who wrote a {$240000.00} to himself very shortly after the {$250000.00} HELOC originated. Importantly, the collateral used to secure the loan was an empty lot. I never received information because primary borrower changed address information. 
The bank letter indicated a XXXX branch which is also incorrect. There is no XXXX branch in Louisiana to the best of my knowledge. I am most concerned about the false information on the application. Had the bank done due diligence and noted the obvious red flags associated with address changes and large transaction this could have been avoided. I am presently in a drawn out legal dispute resulting from both their actions and inaction. A prenuptial agreement was on file with the court which clearly stated a separate property regime. The HELOC presents as if three parties were involved. Only one state issued identification is noted. When I met with one witness stated on the loan documents, she initially stated that she did not recognize me and did not believe we had ever met before. That individual shortly after changed her mind. However she no longer works for the bank. Lastly, a {$240000.00} counter check transferred the money out of a joint checking account within days of the loan approval. I am now faced with a court order to sell the home at a price that I am forced to accept. The actions of the bank have cost me at least {$170000.00} in stolen equity as well as over {$40000.00} in litigation fees.
Product: Checking or savings account

Hi, At the beginning of COVID I lost my job. I filed for unemployment benefits with the NY State Dept. of Labor. The NYS DOL approved my case and sent me a Keybnk debit card to access the funds that were deposited into a newly created KeyBank account. 

Then in XXXX the NYS DOL put a hold onto the account and funds and requested me to send in ID verification. 
I sent in the requested ID documents and the payments resumed into the Keybank account. But Keybank still has the Hold on the account and is not allowing me to withdraw the funds. I have contacted them several times and they keep on telling me to contact the NYS DOL. When I contact the NYS DOL they tell me that all is OK and I should contact Keybank again. ( I also have it in writing thru a secure message from the NYS DOL - attached ). 

Im being thrown in circles while my electric and water bills are past due and I have a family of 7 to feed. 
Keybank is refusing to verify with the NYS DOL  and remove the hold and is keeping away close to {$8000.00} vitally needed funds from me.
Product: Credit reporting or other personal consumer reports

I've sent out 3 letters requestion this information and company fails to provide detail information on accounts but says verified or updated.
Product: Debt collection

On XX/XX/XXXX of 2023 I called in to inquire about a debt on my credit report. Found that I had a collection from a prior creditor. I didn't agree with the collection amount or why it was reported but wanted to correct the debt to move forward in my home buying process. I spoke with a woman representee and was told if I paid the debt owed it would be removed from all three reporting agencies after 30 days. I paid the debt and found it was still reporting after the 30 days of payment. Called and spoke with a supervisor about the collection still reporting and was told it would not be removed but reported as paid. This was not our verbal agreement. I was deceived into paying a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called Transunion which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.
Product: Mortgage

The mortgage arrearage from Nationstar / Mr. Cooper was file by my attorney office in XX/XX/XXXX toXX/XX/XXXX doings that time frame. In XX/XX/XXXX my attorney XXXX XXXX XXXX XXXX XXXX file a petition to add Nationstar mortgage to the Chapter XXXX plan that the reason why the arrearage went from {$2500.00} to {$4200.00} because Nationstar mortgage did n't file the ongoing mortgage payment the trustee office made the payment with out receiving the claim amount. I had my attorney office to contact by telephone 7 times and no arrearage claims was file with the trustee office, Nationstar and their attorney kept saying that they had to change something on the modification per supervisory attorney XXXX XXXX. The modification I did n't give my consent. I contacted the trustee office 5 time asking why Nationstar there no claims file by them. See Attached document will show unfair treatment from Nationstar and their Attorney.
Product: Checking or savings account

on XXXX i opened a checking account, i had a check i deposited a check for XXXX that i has received, in the meantime i had a wire come in from my a Attorney office or a lone on my house on XXXX a few days after the wire came in they told my the check was a fraudulent check, I never tried to touch the money. They closed my account. I am a widow with no Access to any money. I just want my wire Released.,
Product: Mortgage

My spouse and I are retired XXXX XXXX and XXXX XXXX XXXX veterans. Our complaint is regarding an inaccurate balance Freedom Mortgage is reflecting for our mortgage. We also would like to report the poor customer service they are providing when we continue to contact them regarding trying to audit our account to receive the correct balance. We recently completed our Chapter XXXX bankruptcy in XX/XX/2019 ; at completion the Trustee sent Freedom Mortgage a check for Notice of Final cure Payment in the amount of {$16000.00}, the amount required to cure the default in the claim ( document 1 ). On XX/XX/2019, we received a demand for payment notice from Freedom Mortgage in the total amount due of {$17000.00} ; for payments for the period of XX/XX/2019 XX/XX/2019. This total is a compilation of {$16000.00} in principal, interest, & escrow, {$220.00} in late charges, {$1300.00} in fees and costs to date, {$1000.00} in less amount in suspense ( document 2 ). We have Freedom Mortgage statements dated from XX/XX/2019 - XX/XX/2019 showing the irregularities from statement to statement. The Freedom mortgage statements for XXXX and XX/XX/2019 shows a credit of {$900.00}. We have uploaded the payment history for our account showing money begin posted in suspense which is accruing interest and late fees. We have contacted Freedom Mortgage on several occasions requesting an audit on our account and have been told that they can not discuss our account directly with us however, through our bankruptcy lawyer. We contacted our bankruptcy lawyer and he stated there was nothing he could do, as we are out of bankruptcy as of XX/XX/2019. We are request assistance in receiving an accurate amount concerning our mortgage balance. Any assistance in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Debt collection

I attempted to setup payment plans with 3 XXXX credit accounts, also had an agreement on another line which was no interest, $ $ a month and removal of late fees, over the limit fees that occurred with late fees. I asked on several occasions for a monthly statement they ignored my request so stopped sending money to an account that was unusable and principal amount was not decreasing amount owed seems i was scammed? The other three are similarly, hit hard times wife lost job, medically cost are high, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can not work. After I pay my rent and utilities which leaves me very little for food. Interest rates of 30 to 35 % is ridiculous as they kept raising rates, also continously piling on late fees, interest, over limit fees, I've told them after several conversations to stop calling and harassing me daily several times a day. XXXX and XXXX XXXX are predatory creditors.