23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Contacted XXXX XXXX XXXX XXXX  Acct Mgr XXXX XXXX, notified him XXXX  made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the National Credut Bureaus, he refused, and admitted they are representing XXXX  and The Law Office of Maury Cobb who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX an email regarding all this a week ago and they have never replied, but yet my membership with XXXX notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX were recorded and the 1 call to the Law, Office of Maury Cobb was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both XXXX XXXX XXXX  and The Law Office of Maury Cobb today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 National Credit Bureaus from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME.

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. 

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I used my american express credit card to pay for a bus ticket on XXXX XXXX XXXX. The bus service provider did not provide the bus service and I could not make my trip. When contacted the bus service provider ( merchant ) refused to refund the amount paid. They offered to give me a " voucher '' for half the amount of what I paid. That voucher had lot of restrictions and could only be used for some very high priced tickets and was essentially of no value and I refused. I contacted American Express to dispute the charge. America Express agents repeated failed to file the dispute correctly and kept filing the dispute under different categories randomly. American Express keeps resolving the dispute in merchant 's favor and keeps asking me to contact the merchant directly. I called and spoke to an American Express Supervisor today ( XXXX/XXXX/XXXX ). Her name was XXXX ( Id XXXX location XXXX NC ) and she again asked me to deal directly with the merchant. She conferenced me with the merchant and on explanation of the whole issue the merchant asked me to send them the details in mail ( which I have already done once ) and refused to say that they will issue a refund once done. Even after hearing all this, American Express insists that I deal with the merchant. I understand that a customer has a right to dispute when he/she has n't received the promised service. American Express keeps sending me the copies of the tickets sent by merchant. I never disputed the fact that I bought the tickets. What I am disputing is that the merchant did not provide the bus service. Today in our call, XXXX kept insisting that the merchant is not responsible for delays. I have told them that my case is not of delays. In my case, the merchant did not provide the bus service at all. They also say that the ticket was no refundable. I did not ask for a refund because of change in my plans or anything like that. The merchant can not not provide the service that I paid for and was willing to use ( also put a lot of effort to use ) and then say that it was non refundable. The bus broke down less than 5 minutes after departure. The driver lied to everyone and kept every one waiting and no replacement bus was provided. Inspite of my many attempts, the merchant has not answered this question and inspite of that Amercian Express keeps finding in their favor. I lost the money that I used to pay for the tickets and also lost my vacation time because I could not make my trip. I ask that American Express respect my right to dispute in case of services not received and raise the specific questions that have asked in my complaint with the merchant and answer those specific rather then just keep sending me the copies of the tickets I bought and blindly siding with the merchant without providing any reasonable explanation. 
This is a simple case of me not receiving the service I paid for. 
thanks
Product: Checking or savings account

XXXX XXXX XXXX 2022 Being a recent widow, at age XXXX, I responded to a XXXX notice of payment. XXXX XXXX, at XXXX, told me I was being hacked, and to call my bank, Bank of America. I called the number on the back f my debit card and asked for the fraud department. The XXXX XXXX at Bank of America indicated that someone at my branch had sold my identity. I was not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us including where my grandchildren went to school. I did not know that the hackers had spoofed the bank phone number. 

My computers and phone were hacked. Without my authorization, these people emptied {$250000.00} from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. The hackers created a new links using all my identifying information. Most deposits and withdrawals were done by a linked Bank of America account. I was never notified that there was any large activity in my account. The hackers created an account in my name at Bank of America where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created, and Bank of America is culpable in the amount in those Family Trust Accounts of {$450000.00} For XXXX months, I was terrorized, metaphorically held hostage with veiled threats of being followed, putting my children and grandchildren at risk. Since this shell game was done by entering my computers and phone, it looked like I had moved the money when in fact they ROBBED me of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX dollars ). 

I have been financially XXXX. I do not leave the house, I don't answer the phone, I have lost trust in the system and the hackers are winning when the bank personnel really don't investigate and don't protect their clients. Bank of America agents indicated, after the fact, that they suspected I was being scammed but never blocked my accounts and never knew another account had been created online without my knowledge. 

I even told the manager of the branch what was happening and he said that my behaviors had been strange when at the branch, yet, nothing was done to stop the consistent bleeding of cash.
Product: Credit reporting or other personal consumer reports

Seven years ago we froze all of our credit reporting companies because of an industry wide hack. In XXXX of XXXX we decided to apply of a new credit card and had to unfreeze our credit report. We did this easily with XXXX, but spent hours trying first to unfreeze Experian. Once I unfroze the account they gave me no credit rating. I did correct the personal information. Dealing with Experian is like going down a Rabbit Hole. It is impossible to get an agent on the line. You are forced to deal with their Irish computer system that is not engineered to handle unique complaints. 
I even went on XXXX XXXX to find the President, XXXX XXXX, and she is unreachable. I am only filing this complaint as a last resort, because I am retired and financially able to afford a XXXX XXXX XXXX XXXX since XXXX and can not get anyone at Experian to give me a credit rating. My wife and I own our home and have no mortgage. 
Good luck getting any human being to talk to you at Experian. 
Thanks, for your time and help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On all major credit reports states I owe them $ XXXX {$290.00} This company does not accept insurance, you have to pay at the time of service in full for any treatment received. I do not owe this company or collection company any money. 
I have also previously asked for a copy of any contract, I signed agreeing to pay the additional amount of $ XXXX {$290.00}, which they say I owe.
Product: Checking or savings account

On XXXX XXXX, 2017 I set up a scheduled payment to pay to pay off my phone bill. I authorized {$100.00} to be taken out of my bank which is US Bank but During that time my bank sent out a letter ( I do not know when ) saying they had cancelled our cards, which I never knew because I had moved out of my original house. For two weeks I had went without my access to my debit card, at the time I did n't need to use it.. I called US bank and had my address changed to my current address but in the mean time I could not use it. only way I could use my card to pay off my bill was by giving XXXX XXXX XXXX my routing and account number. Again, I had only authorized {$100.00} to be taken out. Instead XXXX XXXX XXXX went ahead and took out the full payment of {$360.00}. I did not have any funds in my account except the {$100.00} and becuase of this my bank account continued to go from negative to positive additionally charging me {$36.00} each time for the overdraft fee.. I reached out and called a Banker but she informed me that there was nothing they could do about it and I would have to just pay it. This bank does not care about anything except taking money. This is the third time I have been charged for this overdraft fee. I am working to pay it off for the mistake of XXXX XXXX XXXX but each time I get money sent into my account and I 'm in negatives I get charged. When my account goes to positive I get charged. This is a problem and my bank is n't trying to help so I am sending in my complaint. Hopefully someone can assist to help me.
Product: Credit reporting 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.

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3800.00} U S DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n't ask for, did n't apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor '' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score ''. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n't be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter '' mark on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX, XXXX ) Enhanced Recovery XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I filed a dispute with the consumer reporting agency disputing inaccurate and incomplete information on my consumer report. The consumer reporting agency responded to the dispute " nothing changed ''. I filed for a re-investigation of the disputed inaccurate and incomplete information. The consumer reporting agency responded to the re-investigation as '' nothing changed ''. It's is a " FACT '' that inaccurate and incomplete information is reporting on my consumer report. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act. The reference accounts are as followed : XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX -XXXX  XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXX These accounts are inaccurately and incompletely reporting on my consumer report. The consumer reporting agency has the duty to report 100 % percent accurate and complete information to the best of the responsibility. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you 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. These were already included in my prior COMPLAINT and I'm including them again. 

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

I have spoke with XXXX  on several occasions in regards to the derogatory mark on my credit from Southwest recovery department. There is no solid proof that I took out a loan on-line. There is no identification this company has of me beside my e-mail address. They want me to send them my information which is not necessary, because I took out this loan they should be able to provide proof that it was actually me. The representative at XXXX does not understand English,  which is very hard to explain things to them. Each state has its own statute of limitations on debt : the amount of time the court will force you to pay a debt. For the State of Florida An Open-Ended Account have 4 years to send someone to collection for a debt. They claim I took a loan out in 2012 which I never took out is past the timely filing limit. Which this should be remove off my credit. This company is doing fraud and needs to be investigated.
Product: Payday loan, title loan, or personal loan

I paid of my loan. I was charges fees and it was paid. There were guidelines set in place for companies not to charge fees during the pandemic. I was charged fee after account was paid. I continuously asked for fees to be removed from my account for months. After numerous complaints and no resolve I settled with the company and paisd the paid the balance of fees I did not owe. I was told the account would be deleted from my credit file. I have provided letter of payment to experian and was told it would not be removed. The company ( Ad Astra recovery service ) told me the information would be removed once account was XXXX balance. Its not fair to me to have not owd the amount of fees and then have it placed on my credit report, after paying the balance it still not being removed from my file as agreed by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Equifax the credit bureau about a new set of financial account that added and removed which induced a drop in my credit score of 76 points overnight. I immediately call Equifax to report the change and the false information that were inserted, I spoke to a representative and a supervisor whom acknowledged the information would neither explain why, how some information was removed ( usually good reporting accounts ) and old accounts which are not active were reported and created a drop of 76 point without a single account changing. I am suspecting fraudulent activity on behalf of Equifax which is designed to wreck someone report and artificially lower the score and make consumer pay more for credit, I was in the middle of a house refinancing and now that this maliciously was inserted i would have to pay tens of thousands more. I am attaching a copy of the change that shows what account were removed and the ones added with a phony balance, this is totally wrong.
Product: Checking or savings account

I've called them in numerous times over the course of the past 3 months to get this settled. I opened a checking account with them. And it's made an opening deposit of {$50.00} which they required. The very next day, they close my account without reason. Cause or explanation, they refused to tell me why they closed it. And they have not returned my money. I've reached out to him and the manager at the call center. Her name 's XXXX, multiple times they always hang up on me. This bank is a scam. And I want my money back. They said i should have received a check in the mail within 30 days of closure and that window was closed on XX/XX/XXXX its now XXXX.
Product: Checking or savings account

My name is XXXX XXXX XXXX & i had deposited my unemployment check which was {$2200.00} with Huntington Bank. I opened my account on XX/XX/XXXX which naturally there was a hold place due to new accounts but the date for my funds to be released changed 3 times from XX/XX/XXXX to XX/XX/XXXX then XX/XX/XXXX which i received a letter stating it will be available for withdrawal on that date but now im being told that they will get back to me when XX/XX/XXXX will be the 5th business day. I also have other family members that has had a hold on their account for 1 month to 3 months with the same state treasury checks. Ppl need to pay bills and this bank is being ridiculous. I have never had a bank account before so my daughter tried to help me so we have a joint account so there is nothing but issue on top of issue
Product: Payday loan, title loan, or personal loan

I took a title loan out Loan Max XX/XX/19 for XXXX dollars, with due date XX/XX/2019 but because I made a payment earlier ( XX/XX/XXXX ) to avoid the interest rate they change my due XX/XX/XXXX Instead of XX/XX/2019 They said I was manipulating the situation, that not manipulating that is business and I know from past experience with loans because I pay earlier my due date never changed This is Loan Max attempt to penalize me for paying earlier so they can gain interest and profit unlawfully .They also it is stated in the contract if you pay earlier you change the due date so you really being manipulating, penalize by loan max so they can collect more interest making less of your payment go on the principle. Also because it is the contract does mean it is legal, I have the right to pay earlier without being penalized by loan max to prevent me from doing so by changing my due date
Product: Debt collection

I have multiple voice mails from Comenity bank regarding a XXXX XXXX. I dont know this man. I have had this phone number for 7-8 years. I told XXXX XXXX and XXXX XXXX that this number is not associated with XXXX XXXX and they keep harassing me. They call multiple times a day. My voicemail states this is the voicemail of XXXX XXXX. They are just harassing me at this point. They were obviously given a fake number by a thief. Not my problem. They refuse to give me there mailing address so I can send a cease and desist order. XXXX is one number they call from. When I block their number they call from an unknown number. Thats straight up harassment. The office number they leave on my voicemail is XXXX ext XXXX. Another ext XXXX from XXXX XXXX. I also have a message from XXXX XXXX, XXXX from XXXX ext. XXXX. The number XXXX shows XXXX XXXX. They are spoofing the phone numbers. Illegal. I want them to be held accountable for their constant harassment.
Product: Mortgage

I was a customer with Wells Fargo from XXXX until XXXX over this period we were denied refinance request over and over. These continual refinance request denials during a period of hardship were difficult. The request denials for help because of loss of income during the market explosion forced us ultimately into bankruptcy, to protect us from foreclosure actions that was initiated by Wells Fargo in XXXX. I would like to formally request information how settlement qualifications are being considered. And if I fit the criteria to apply.