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

I was diagnosed with XXXX XXXX in XX/XX/XXXX. After removing the XXXX, and months of determining what the best course of action was for my health, I decided to undergo XXXX. I started my treatment in early XX/XX/XXXX until XXXX ( XXXX I believe ) XXXX. 

I filed for state XXXX insurance. According to the CA XXXX website, via my account, I was informed I would receive my first payment {$2200.00} on early XXXX XXXX and second payment of {$1400.00} mid XX/XX/XXXX. 

I waited but never received my debit card in the mail. It was until around the first few days of XXXX that I saw a news segment on TV where people reported their unemployment and XXXX money had been stolen via fraud. Immediately I that is when I decided to look further and based on my research I was led to call Bank of America. 

It was at this moment that a bank rep informed me that was issued a card and that there were transactions posted. I denied all transactions and made a claim that I never received the card. Then I had to go back and forth with CA state XXXX department and Bank of America to determine who I needed to work with to get my money back. No one gave me an answer until it was determined that I needed to work with Bank of America. 

Fast forward until today, XXXX year later XX/XX/XXXX, I have not used a single penny of those funds and have been getting my claim denied by Bank of America. I have called plenty of times requesting funds to be issued due to personal hardships. I have filed a police report and sent it to them. I have send them documents proving my identification. A social security document and pay stubs to prove my identity. But to no avail. 

Their findings to dismiss my claim seem absurd. They state that the transactions and atm withdrawals are geographically near me. I've been fighting back requesting the footage and evidence of them determine that I made this transactions. They keep telling me that they are sending in a request but I have not received any of this. I do not know what else to do. Please I hope you are able to help resolve this issue. Much appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX XXXXXXXX. As I did not apply for any loans from XXXX XXXX XXXX XXXXXXXX, I contacted the bank to check using my name, phone, address and SSN if there was any account in my name opened and they verified that they had no accounts/ loans open with my information. On XX/XX/XXXX, I froze all XXXX credit reports. I was advised by a Transunion customer service reprsentation to file this report to gather evidence to support that the hard inquiry by XXXX XXXX was either fraud or done in error
Product: Credit card or prepaid card

In XXXX I got a home equity loan to pay off my CITI Bank Sears Master card. I got the check from XXXX XXXX via XXXX XXXX. Check number XXXX loan number XXXX amount of {$30000.00}. I was sent in to Sears at the billing address of Sears Credit Cards, XXXX XXXX XXXX, XXXX, Pa XXXX. 
Sears has never cashed the check and paid off my credit card. They are sitting on the check. I called Sears on XX/XX/2022, at XXXX, It is a call center. The lady said it takes 2 weeks to process the check. Since then they keep adding on interest to the bill. 
I called XXXX that issued the heck, I talked to XXXX, ( XXXX ) she said that they hold checks all the time, I asked if they could stop payment and electronic pay the bill. They cant do that, they need a physical check. So I am waiting So another XXXX dollars was added to the payoff. No credit card co should be allowed to sit on a check or hold it up in any way. 
Can you plesae get the Sears Credit Card Co. to process the payoff. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Today XX/XX/22 I received a credit card from Capital One. I did not request, apply or order this card or account. 

Capital One can not give me any information about the application, including its nature, form/channel, date, information provided ( including if the applicant used my SSN ). 

I am concerned about identity theft. Despite my requests for more information and further assistance, Capital One refused both requests, saying only that they will 1 ) reject the application and close the account, and 2 ) " investigate and get back to me at some future date. '' I have reviewed my credit reports from the big-3 agencies and found NO hard inquiries from Capital One ( nor anyone because I have not applied for new credit and I froze my credit accounts XXXX months ago to protect against this scenario. 

My questions : 1. Should Capital One open an account in my name without checking my credit AND WITHOUT NOTIFYING ME that they had received an application? 
2. Should Capital One be allowed to refuse to give me any information about this apparent fraud, including information that I could use to protect myself? 

Whether Capital One should treat a XXXX customer this way is another matter beyond your purview.
Product: Student loan

I have worked for the same employer, which is a XXXX XXXX, since XX/XX/XXXX. I consolidated my oldest student loans into two loans with a combined balance of {$100000.00} on XX/XX/XXXX, and I have been making my monthly payments under the IBR repayment plan, which qualifies for the PSLF program, ever since. I have completed multiple Employment Certification forms that certify my employment back to XX/XX/XXXX, thus proving my PSLF eligibility for every single payment I have made on these two loans. 

However, the number of qualifying payments FedLoan Servicing shows on my loans is incorrect. The data shows I have only made 54 qualifying payments and am not eligible for forgiveness until XX/XX/XXXX. However, according to my records, I have made 90 qualifying payments and am eligible for forgiveness in XX/XX/XXXX. 

I have submitted multiple requests through the FedLoan Servicing website, with the last two being on XX/XX/XXXX and XX/XX/XXXX, requesting that the qualifying payment information be corrected. I have also made multiple phone calls to FedLoan Servicing requesting the same. The most recent emailed response I received was on XX/XX/XXXX, which stated, " Please allow ample time for this request to be completed due to the amount of extensive research involved with counting qualifying payments. '' While I understand my request takes time, it has been going on three years since I noticed the incorrect information and brought it to their attention. I am making changes in my career within the next 2 months and I require confirmation of the number of qualifying payments I have made and when I am eligible to apply for loan forgiveness. I have been unsuccessful at getting this information on my own, have allowed more than ample time for research, and now need to escalate this problem to a formal complaint in an attempt to resolve the incorrect information on my account.
Product: Debt collection

XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with care credit. Not sure how they are authorized because in the disclosure it states the binding agreement is with Care credit, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
Product: Mortgage

I have a mortgage with XXXX services by Loancare. I had never missed any payments in all the previous mortgage history. However, last fall, I was having financial difficulties due to COVID issues. I applied for a forbearance and was granted one. At the time, the woman I spoke with stated that the forbearance would add a couple of months to the length of the loan and would result in a little extra interest, which was expected. She said there would be no late fees or application costs or anything else to apply for or receive the forbearance. I did not make my XXXX or XXXX payments in 2020. I was able to resume payments for XXXX and am still current as of now. 
In looking to refinance with the low rates, I pulled a Payoff statement which was {$320000.00}. I checked the Loancare site and my Principle balance is sitting at {$320000.00}. Looking at payment history without the unexplained additions, that should be correct. I called today to ask why there was an almost 6k difference and she pointed my to my payment history. On or about XXXX, there were charges added to my loan balance of XXXX and XXXX. She stated that that would represent the 2 missed payments. These two increases to my account increased my total loan amount. I asked why the loan amount increased and she stated that that was because those missed payments had been added to the loan. I do not believe that the 2 payments should be added as an amount. They should more properly as explained to me have not been deducted and my principle balance simply left alone to accrue interest during that time. I feel that this is double dipping and is wrong, but especially egregious considering the circumstances. The length of the loan increased to account for those, but the addition and increase of the loan amount itself is a concern and remains unexplained after a 45 minute phone call. She then said that it does not show up on the principle balance as it had been added as a secondary loan amount. I did not agree to this and feel that there is a fraud committed. Also, the 2 amounts added to my loan ( XXXX and XXXX ) total XXXX. My monthly payment is XXXX. The 2 missed payments totaled XXXX. So, even if they added the total amount of the 2 payments, then it is still still an additional XXXX that was charged that was not explained. I attempted to get an explanation and did not receive one, so i am reaching out to see if i can get some help explaining this.
Product: Credit card

I noticed and reported fraud on my Bank of America credit card on XX/XX/2023 while the transactions were still in a pending status. 

There was two charges ( one for {$930.00} and another for {$790.00} ) from Spirit airlines that were not authorized by me. I have never done any business with this airline. 

Bank of America investigated my claim and provided a partial reversal of the fraudulent charges, {$930.00} was reversed and the rest was not. 
They also provided partial documentation from Spirit airlines advising me that I received services and am responsible for the {$790.00} charge. 

I contacted Spirit airlines and they would not investigate this matter since Bank of America had to initiate this process. They were able to send me some documentation of how the airline ticket was purchased along with an email and phone number that did not belong to me. 

On XX/XX/XXXX, I attempted to appeal Bank of Americas decision and was advised I had to start a new claim/dispute as the initial claim was closed. 

On XX/XX/XXXX, I requested an email or mailing address to submit a formal written complaint and their representative XXXX from Arkansas advised they do not have one and I can only proceed to file a complaint with her over the phone. 

I do not understand how one charge was considered fraudulent and the other valid since the same person/contact info processed both transactions. 
Bank of America did not thoroughly investigate these fraudulent charges and my credit score has been negatively impacted due to carrying a balance of this credit card.
Product: Debt collection

This is not my account UPGRADE INC account # XXXX with a balance of {$5000.00} I'm a victim of identity theft I never took out any loans with this company I never even heard of this company again this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported as well notified XXXX XXXX of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days XXXX is acting in bad faith and not following Federal guide lines
Product: Mortgage

I obtained a mortgage through XXXX XXXX XXXX. Amerihome Mortgage is now the service provider. I have added additional funds to my monthly payments to reduce the principal in advance. Each time Amerihome has applied the additional funds as an ADVANCE payment to the next months payment. In essence, they are making me pay my interest in advance. 

I have now spoken to them five times. On the first event, they did rectify the issue and applied the payment to the principal. However, for the subsequent months, despite my calling and their assurances that the funds would be reapplied they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 payment 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

TRANSUNION FAILED TO PROVIDE 100 % ACCURACY OF ALLEGED COLLECTION ACCOUNT PLACED IN MY CREDIT FILE. THE COMPANY LISTED COLLECTION WITHOUT PROPER INVESTIGATION. 

SUMMARY OF ALLEGED ACCOUNT LISTED BELOW ACCOUNT # XXXX COLLECTION/CHARGE OFF
Product: Checking or savings account

On XX/XX/XXXX I noticed to unauthorized charges to my Square checking account from XXXX in the amounts of {$36.00} and {$55.00}. Square refuses to investigate the matter stating they cant see the location of the charges made. Square also refuses to contact the merchant directly on behalf of the customer to verify fraudulent charges. I have contacted Square by phone and email. I have tried numerous times to request an escalation and further action on this matter, all requests have been denied.
Product: Debt collection

I am writing to formally express my deep concern and dissatisfaction with the unprofessional and abusive behavior exhibited by Hunter Warfield , Inc. representatives during their attempts to collect a debt. 

On several occasions, I have been subjected to rude and offensive language, which is not only inappropriate but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). The Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from consumers. 

Furthermore, despite my requests, Hunter Warfield , Inc. has failed to provide me with a debt verification letter. This is a clear violation of my rights under the FDCPA, which mandates that upon a consumer 's request, a debt collector must provide a validation notice detailing the amount of the debt, the name of the creditor, and the consumer 's rights under the FDCPA. 

Lastly, I have come to understand that Hunter Warfield , Inc. is not licensed to collect debts in the state of Alabama. This is a serious concern and a potential violation of state and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX  XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX XX/XX/XXXX {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported late late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the months of XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX I received late fee waivers. I am requesting that the payment history be updated as the CARES Act states, if an accommodation is made the credit reporting should show as current for the months of the accommodation. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates. 

Additionally there is a known issue with Discover and XXXX bank where the system is not reading or sending the payments correctly. I was previously advised by the Executive Office that if I made a payment online, the system would read it correctly. For all other months that I was late in XXXX XXXX, the money was in my XXXX bank account however it was not processed. I have tried many things to rectify the situation and now I have made a new bank account with XXXX XXXX 

However due Discover placing a hold on my payments for returned payments that were not my fault as the money was in the XXXX account I received late remarks. I would like those changed as again it was not my fault as I was told countless times, the payments would go through. Also I would like the 8 day hold for payments that is has been on my account for 2 years to be removed.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations  committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the  alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party to the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy
Product: Checking or savings account

Submitted a XXXX payment to my XXXX XXXX from Ally Bank but I have never received it. Contacted Ally and XXXX XXXX but they keep on saying that it's not their fault. Submitted supporting documents to Ally that I have not received it but they are unwilling to resolve the situation.
Product: Checking or savings account

On XX/XX/XXXX, my account with BBVA was locked, and has not been opened again despite multiple attempts to contact them. The phone number they provided does not work, and disconnects after saying " we're experiencing difficulties, please try again later. goodbye ''. My card is being declined everywhere, and I am unable to access my money or log in to their online banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

We're sorry A condition exists that prevents us from being able to accept your request at this time. If you are trying to contact us from within the United States, please try our toll-free request number at XXXX XXXX XXXX XXXX. 

Alternatively, you may submit your request in writing by downloading the Mail Request form available at www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/. 

Please visit this website again at a later time. 

Thank you.