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

In early XXXX, my partner applied for and received an American Express XXXX XXXX XXXX Credit Card. I am an account manager on that account. 

The promotional materials for the card, in several different places, advertised that the {$95.00} annual membership fee would be waived for the first year. However, on XX/XX/2022, our card was charged {$95.00} for an annual membership fee. 

I called Amex on XX/XX/2022 and spoke with a representative named XXXX and explained the situation. She told me she would send a link to upload copies of the promotional materials for Amex to look at. I clicked the link and the link was dead. I called back and spoke with a representative named XXXX and the call was immediately disconnected. I called back and spoke to a representative named XXXX who told me that the process XXXX wanted me to go through was the incorrect process and that I had to wait for somebody to call me back. I was given a case number, and was told that normally, it would take 7-10 business days for someone to call me back, but she would expedite the request and I would receive a call within 1-2 business days. 

On XX/XX/2022, having received no such call, I called Amex and spoke with a representative whose name I did not get. He spoke with his back office and told me that there have been no updates, and that the back office would get back to him in 1-2 weeks. I told him that a representative said I would receive a call from somebody, and he told me that no such thing would happen, so I didn't even have a chance to provide Amex with the relevant promotional materials. At that point, I was tired of being jerked around and was not confident that the matter would be resolved in a timely and appropriate manner, so I told the representative I would file a complaint with the CFPB. 

I am attaching the printout of the card statement showing the incorrect charge, as well as printouts of the various promotional materials with the annual fee language highlighted in yellow for ease of reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX  ( XXXX  ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. Thanks
Product: Debt collection

I do not have an account with Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report and I saw this error. I was never informed of such issue.This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then XXXX. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is XXXX what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing.
Product: Money transfer, virtual currency, or money service

I used this service many times and had good results. Then one day they cancelled my account, refused to tell me the reason and will not send me my transaction record. I have contacted them many many times and always same answer, that its a secret why they cancelled me.
Product: Debt collection

This company never validated a signed contract or debt between me and their company. HIPPA guidelines and laws protects my info from being shared and for fronted without any release of information they arent authorized to have any of my information and for that I will take legal action and advise this company to removed all reports and cease and desist anything moving forward
Product: Credit card

I am filing a complaint against **Bank of America** for denying my application for a student credit card despite being a student. I believe this denial violates my rights under the **Equal Credit Opportunity Act ( ECOA ) **, which prohibits discrimination in credit applications based on certain protected characteristics, including the fact that I am a student. 

The details of my situation are as follows : - I am a **full-time student** enrolled in XXXX XXXX XXXX XXXX XXXX and I meet the qualifications outlined for the student credit card offered by Bank of America. 
- I submitted an application for a student credit card through Bank of America on XX/XX/year>. 
- Despite meeting the eligibility criteria for the card, including being a student, my application was **denied**. 

The reasons provided for the denial were **vague and did not clearly outline how my application did not meet the necessary criteria**. I have not received any specific information or documentation about why my application was rejected, nor was there a proper explanation as to how being a student impacted the decision. 

Under the **Equal Credit Opportunity Act ( ECOA ) **, I understand that I am entitled to apply for credit without discrimination based on my student status, as long as I meet the necessary criteria and income requirements. The denial of my application appears to be unjust, particularly because the credit card in question is explicitly marketed to students, and I meet all relevant qualifications. 

I respectfully request the **CFPB** to investigate this matter to ensure that Bank of America is complying with the requirements of the **ECOA** and that the denial of my application was not based on discriminatory practices. Additionally, I request that Bank of America provide a clear, detailed explanation for the denial of my credit card application, including how student status may have influenced their decision.
Product: Mortgage

I refinanced my home XX/XX/22. Since then, my escrow has not been as it should. Carrington Mortage paid my property taxes twice and my homeowner 's insurance twice. Numbers do not lie. My numbers are very different from there's. I am extremely short in my escrow because of errors that need to be corrected. When I've requested for my old loan to be reviewed as well as new loan, I'm getting the run around. This error is affecting my wallet. when I speak to customer service, I am repeatedly being told to request for escrow analysis which won't correct the problem if old loan isn't reviewed as well.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, DYNAMIC RECOVERY SOLUT, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DYNAMIC RECOVERY SOLUT XXXX Date opened XX/XX/2021 Balance : {$66.00} ; DYNAMIC RECOVERY SOLUT XXXX Date opened XX/XX/2021 Balance : {$810.00}
Product: Debt collection

I have tried to resolve debit with XXXX XXXX by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, this is a violation of my rights due to perform or exercise because I was denied extension of credit for inaccurate and false pretenses of any person who knowingly and willfully obtains information on a consumer from a consumer credit reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

If you can not provide me with proof of my lawful consent of any transaction that took place between the creditor and the debtor that means it is willfully and knowingly that this information is INACCURATE and False and I DEMANDING that you DELETE all FRAUD thats reported on my consumer credit report or their will consequences and penalties for the violations. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

Stated complaint 1. Ollo Card Services is delaying and/or refusing to apply my lawful tender of payment. 

a. On XX/XX/XXXX I ( XXXX XXXX XXXX ) sent by mail a lawful tender of payment in the amount of XXXX which was more than the stated balance on the statement that was included in the mailing. Payment, along with the supporting documents were mailed to OLLO Card Services XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. This address was stated in the Terms and Conditions as the proper address for correspondence and payments other that the regular payments. 
b. After the allotted time allowed for mailing time and processing time, OLLO Card services has as of this morning XX/XX/XXXX still has my account marked as past due and has applied late fees. 
c. Congressional record 73rd congress of 1933, page 79 states We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be de- posited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. 
2. Violation of the Presidential Proclamation 2039 a. By failure to apply my lawful tender of payment OLLO Card Services has violated the Presidential Proclamation 2039 by violating the XXXXXXXX XXXX XXXX act. 
b. Whereas it is provided in Section 16 of the said Act " That whoever shall willfully violate any of the provisions of this Act or of any license, rule, or regulation issued thereunder, and whoever shall willfully violate, neglect, or refuse to comply with any order of the President issued in compliance with the provisions of this Act, shall, upon conviction, be fined not more than {$10000.00}, or, if a natural person, imprisoned for not more than ten years, or both... " ; 3. Violation of Fair Credit Reporting Act sub section 603 ( 2 ) ( A ) ( iii ) - 15 USC SS 1684a ( 2 ) ( A ) ( iii ) failed to inform me how to opt-out of reporting a. In the letter dated XXXX, XXXX XXXX, it states, We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

b. The letter does not contain any information as to how I can opt-out of said third party reporting as allowed by the Fair Credit Reporting Act.

c. 15 USC SS 1684a ( 2 ) ( A ) ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Debt collection

I have contacted XXXX XXXX directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I currently have another complaint against Experian for no access to my account with them. See complaint # XXXX. I am submitting an additional complaint due to me receiving a subsequent email from Experian on XX/XX/year> letting me know i successfully added an account to my personal finances. I have added no accounts anywhere with any company and certainly not with Experian since i am locked out of my Experian credit report account due to fraud- which is the basis of the other CFPB complaint i have already in process. I responded to that email they sent me and they keep directing me to log on? I cant log on and now im experiencing fraud through them again. This is outrageous. As with my other complaint, they do not answer calls and will not call me. I am already an identity theft victim and how they are allowed to treat consumers like this is disgraceful
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed XXXX  off my credit report I filed the same thing wit XXXX  and XXXX  but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below was violating my consumer rights to privacy and confidentiality under FCRA. XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX [ only reports to TransUnion ] ; No creditor name XXXX [ only reports to XXXX ] According to 15 U.S.C. 1681 section, 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
Reporting information that you know is inaccurate or incorrect, violates the FDCPA and Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been to request pursuant to FCRA / 605B ( 15 U.S.C / 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection opened at XXXX XXXX last XXXX account ( XXXX ) opened XX/XX/XXXX, an personal credit card opened at XXXX XXXX last XXXX account ( XXXX ) opened XX/XX/XXXX, an personal credir card opened at XXXX XXXX last XXXX account ( XXXX ) opened XX/XX/XXXX, an apartment rental rented at XXXX XXXX last XXXX account ( XXXX ) opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$170.00} ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX  XXXX Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I paid my balance of approximately {$1300.00} in full to XXXX XXXX. I have 8 YEARS of on-time payments on my credit report. I have ALWAYS HAD AUTOPAY for XXXX XXXX and all of my bills. This XXXX, XXXX, XXXX  XXXX placed a 30 day LATE PAYMENT FOR {$33.00} on my credit report which dropped my credit score tremendously. I called. A Representative stated that the company policy is if your balance is XXXX for longer than 2 months, they automatically Cancel your AUTOPAY. Therefore when my payment due came in XX/XX/XXXX, they could Not collect the payment. I have NEVERRRR BEEN LATE FOR 8 YEARS. I NEED THIS changed ASAP please. The supervisor talked to me. He stated that the Representative will be reprimanded by him because she gave false information. Please update this ONE PAYMENT. I DEMANDED that they turn my AUTOPAY back on. Thank you.
Product: Student loan

My loans were forgiven under the Public Service Loan Forgiveness Program while they were still with Federal Loan Servicing. However, while my loans were discharged, I never received a forgiveness letter, or a forgiveness date. My account was then transferred to Mohela, which is now handling the Public Service Loan Forgiveness Program. 

Whenever I call Mohela, however, I am given the run-around that told that they do not have my account because I was already given forgiveness. It is true that I have had my loans forgiven. HOWEVER, I did not receive an accounting of overpayments I made on my loan. I should have about 180 loan payments, while only 120 are required for forgiveness. Therefore, I have about 60 overpayments that should be returned to me. 

I finally talked to someone at Mohela who understood the problem, and she created a case for me to research whether I made any overpayments and whether any money was due back to me. The case number is XXXX XXXX, and I have a reference number of XXXX XXXX. Whenever I try to call Mohela for an update, I get a run-around and then I get cut off. I have been unable to get anyone to give me an update of my case.
Product: Credit reporting or other personal consumer reports

Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. XXXX, Equifax, nor XXXX has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( XXXX XXXX XXXX XXXX ), which now XXXX XXXXXXXX XXXX XXXX is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and Equifax. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
Product: Payday loan, title loan, or personal loan

XXXX from Atlas Credit Inc came to my home to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score. 
Credit reporting agencies are run on XXXX XXXX. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every XXXX hours. 
My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change. 

The impact of a credit score contributes to the livelihood of families across XXXX. 

My credit score should be considerably higher yet, swims in the same pool for years now. 
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.