23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon, About 2 years ago I had phone service with XXXX. When I signed up for the service I received a new phone. I specifically asked if there were any contracts or cost for the phone. She said no, the phones were free as part of the current promotion & the service was month to month. I signed up for 2 lines, one for me & one for my husband. My husband does not use anything but a flip phone so I paid for a flip phone for him. Everything was good for awhile until a monthly bill arrived with a new phone for over {$300.00} on it. I called them to find out what that charge was & she said " you bought a new phone ''. I told her that I had not purchased any new phone as I got a new phone when I signed up for their service. I asked her to please remove that charge for that phone as I had not purchased anything. Three months went by & the charge was still on my monthly bill. I called back to again ask them to remove that phone from my bill. They didn't, so I canceled my service & I got a new provider. 

I never got another bill or heard from them again so I assumed that they finally removed that charge & closed my account. Now it's probably a year & a half later & I get a letter from a collection agency looking for more than {$600.00}. I called them & the man said because I didn't keep the service for at least 2 years that I now have to pay for the phone that was given to me free when I signed on for the service plus a monthly fee for all the time since I closed my account. The collection agency man was extremely rude to me & said said I could settle for some amount over {$400.00}. I said I wanted to see copies of those bills & to send them to the correct address. They sent it to my legal address instead of my mailing address. Our property is in XXXX, but we receive our mail through XXXX XXXX because most of our street is XXXX XXXX property. 

It's been three months & I heard nothing so I assumed perhaps they closed the case. Wrong, the other day I got a bill from XXXX, again mailed lto the wrong address. I called them & the young lady said she couldn't help me because it's in collections. My credit score is over XXXX & I am so stressed out over this since I asked many questions before I signed on with them. I may be elderly but I'm not ignorant. I feel very abused right now. On that bill it also says that I have 4 handsets. I had only 2, one for myself and one for my husband. 

Can you help me with this before I have a breakdown? I'm losing sleep over this. 

Thank you, XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, MA XXXX Legal Adress is : XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.
Product: Credit reporting or other personal consumer reports

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 
Here are the Inquiry details. 

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

I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. In good faith, I filed a dispute exercising my right to demand a block of fraudulent information via the attached FTC IDENTITY THEFT REPORT dated XX/XX/2021 that was received by EQUIFAX, INC. on XX/XX/2021. I have yet to receive anything from EQUIFAX , INC. in response to my demand, and it has been well over 30 days. The fraudulent accounts must be removed from my consumer reports immediately. The fraudulent accounts on my consumer report runs me the risk of being denied credit.
Product: Debt collection

XXXX i was financially struggling shortly after XXXX hit and this company did not notify me nor were flexible with working with my financial crisis.
Product: Debt collection

My name is XXXX XXXX I have a personal loan with Onemain financial located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX On XX/XX/XXXX I fell  behind on my account due to unexpected expenses Onemain Financial offered me a 2 month deferment. A representative of Onemain name XXXX called me asking for payment. I mentioned to her a had a 2 month payment deferment and my account was due for XX/XX/XXXX.XXXX was very rude to me treated me to take me to court if I didn't come into the office and make a payment. I told XXXX that my check was low this month and i was under the impression payment deferment was going to help me. XXXX stated talking very loud and demanding payment. Requested XXXX to please not speak to me in a disrespectful way. I also advised XXXX that before treating me Onemain was going to take me to court I have to be severely delinquent and not wanting to work with them after exhausting all the possible options to help me. XXXX then called my son who i the co-borrower and told my son my account was over 90 days past due. which is not true. XXXX also treated my son to garnish his wages. XXXX so rude and out of line she made me cried when she was screaming at me. I believe this is an abusive way to contact a customer. Specially after misleading me with a different for 2 months. I just hope this doesn't happen to another customer.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promise
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

I bought my ticket with points through Chase Travel Rewards. 
Itinerary XXXX from XXXX to XXXX ( XX/XX/ ) and XXXX to XXXX ( XX/XX/ ). 

Prior to purchase, Chase Travel Rewards had confirmed on XX/XX/ that there would be no charge for any cancellations or changes to the flight ticket, even if I used the first portion and needed a cancellation for the return portion, there would be no fees associated. I called Chase Travel rewards multiple times ( total of 4 times ) from XXXX XXXX - XX/XX/, and was told there would be a cancellation fee of $ XXXX CAD. I argued with them that this is not what I was told in XX/XX/ when I called and even on the website at the time of the call in XXXX XXXX there are NO charges to change my flight. I was told that I would receive a call back on XX/XX/XXXX. I never received the call. Upon following up, on XXXX XXXX I was told I would receive an email in 72 hours. I never received any emails. I called again on XXXX XXXX to be told to wait 72 more hours. No calls. I called again on XXXX XXXX and was told to wait 7 business days. I was told that all cases over 7 businesses days are investigated by the Chase investigation team by law. But it's clearly been well over a month and no investigation has been done. Each time I call I get a new case number. The following case numbers were provided to me in the past that I had asked for ( other cases were not provided because I did not ask for them specifically ) : Case ID # 1 : XXXX Case ID # 2 : XXXX # XXXX I believe Chase Travel rewards is deliberately prolonging this complaint period so that I will have no choice but to accept the cancellation fee or take the flight as scheduled. This is all false advertising. 

Employees also refuse to send me to provide me with direct contact with the dispute team, or refuse to connect with the dispute team that is investigating my case while I am hold on the other line. When I ask for the employee 's name and employee 's ID number so I can follow up since I can't contact the dispute team directly or be on hold while they contact the dispute team, the employee refuses to provide any information. 

In summary, they refuse to provide any proof that any internal investigation is being performed while prolonging the complaint period that has been going on for over a month. All I would like as a resolution is a cancellation of my flight ticket without the cancellation fee as advertised when I called the Chase Travel Rewards team prior to booking my ticket and when I viewed the cancellation policy on their website in XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a PayPal account which got limited for 6 months, after that PayPal sent me an email saying that I can withdraw my funds but didn't allow me to link my bank account. Today I found that PayPal transferred the balance to itself and don't answer to my emails and contact. 
The amount taken is {$2300.00}. 
PayPal is a total scam, I heard of it, now I can testify. 
Please help. 
Thanks
Product: Checking or savings account

I placed a credit freeze for all credit report companies ( Experian, XXXX, and XXXX ) ; thus I expected nobody can open any bank or credit card account without authorization from me. However, Experian XXXX XXXX allowed an identity thief to open a digital checking account without sending me a second factor authentication or verify my true identity first. I dont understand how Experian XXXX XXXX could allow someone to open an account while my credit has been frozen. There is a serious loophole in their system. The thief was able to log into my Experian credit account and changed my profile information such as email address, phone number, and password without a second factor authentication. When I called the company, they denied any responsibility and kept transfer me from one department to another department, some of them even transferred me to a computer-answering system! I was on the phone for hours. The companys action showed me that they are not taking identity theft seriously. There should be consequences for Experian!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Cash back Account was open XXXX 2016 XXXX
Product: Student loan

My loan was recently transferred to Nelnet from Great Lakes when they were acquired. I updated my loan information through FAFSA with my most recent tax information. Because my Adjusted Gross Income is {$380.00} ( because I live outside the US ) my loan showed as {$0.00} payment on the FAFSA option. I sent the requested information to the loan servicer applied for an Income Driven Payment plan that takes into account the AGI as the key factor to determine repayment. I received an email confirming that they had received my application and it would take 10-15 days to process. That was received on XX/XX/XXXX. It is now approaching the end of XXXX. When I finally got through to customer service, they told me they were attempting to process the paperwork. Since the recent Biden-Harris action XXXX the wait time has gone up to 30 mins but actually takes over an hour to reach a representative. On multiple attempts I have waited on the phone but the wait time does not decrease and I also submitted a complaint on the website to have the correct information displayed but I have received no response. Currently, it shows that when repayment resumes I will have a {$500.00} a month payment, which is not the option I was shown from the official FAFSA site.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : I can not access my report on no webiste, not XXXX XXXXXXXX, XXXX or annualcreditreports.com. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

Transunion : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am filing this dispute on XX/XX/XXXX, Experian and XX/XX/XXXX. I informed all three companies that XX/XX/XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) was reporting different across three credit bureaus. XX/XX/XXXX never responded to my certified letter Experian and XX/XX/XXXX said they verified this account. I would argue this account was verified correctly. The account is still reporting different on all three credit bureaus Please see variables below : Date Opened : XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : XX/XX/XXXX Account information disputed by consumer, meets FCRA requirements Experain Customer disputed account - reported by subscriber. XX/XX/XXXXConsumer disputes this account information Subject has not satisfied debt. Date Last active XX/XX/XXXX XX/XX/XXXX Experain XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attach my Driver license also since yall like to say It wasnt me who file this complaint. I will alo be filing a complaint with the Attorney General Office.
Product: Checking or savings account

This is my second complaint and I am now fed up with BOA. One of my accounts has been blocked for more than 3 months for " suspicious activities ''. I was told it was blocked by Merrill Lynch and nobody could tell me why. The bank asked me to go in person to a branch to sort out the issue. I went to a XXXX branch and it was a waste of time. It took the agent the same amount of time it would take me to reach out to Merrill Lynch. The agent told me that my account is blocked maybe because I did too many international transactions. This is so ridiculous. Would this mean that I am not entitled to make transactions with my money whenever and wherever I want? 
As I am not living in the US now, I provided a telephone number so the bank can call me to provide a verification code. This mechanism is not working. On XX/XX/year> I wanted to make a transaction from the account that was unblocked, I clicked on the option to receive the code by phone. My phone rang and I heard nothing. No code was provided. I ended up not being able to make the transaction. This is just one example, I have several other ones that I could share. 
I am using another bank now. The experience is totally different. They use a voice recognition system and customer service is excellent. 

BOA is not equipped to provide service to customers working or living outside of the US.
Product: Mortgage

on XX/XX/XXXX i dialed XXXX to connect with Mr Cooper loan servicing company. I got this number from my account on their website. After asking some security question to verify my identity I tried to speak with a service representative but the automated system would not allow - rather it sent me into an endless loop where is asked me questiona and would not allow me to speak with a service representative.
Product: Credit card

I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Violation of consumer rights. Violaion of multiple USC 's including the Fair Credit Reporting Act, Violation of CFRs, and ignoring Identity Theft Affidavit. According to the Fair Credit Reporting Act, all reports must be uniform and accurate, reporting identical information with each report. This is not the case with my reports. I have attached proof.
Product: Credit reporting or other personal consumer reports

According to Fair Credit Reporting, all of the above accounts have violated my right. 15 U.S.C. 1681 SECTION 602 A. DECLARES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 TO SECTION 2 ALSO PROVIDES THAT A REPORTING AGENCY OF THE CONSUMER CAN NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS