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

Hi CFB, I recently initiated a dispute with XXXX and the reason was a hotel deposit thats charged on my card. I left the hotel after a short stay because of bed bug problem and the services were not provided to me as promised. The hotel took {$1100.00} as hotel deposit and wont return so I initiated a dispute with a bank HSBC and they denied me upfront saying they wont do anything about it because of the hotels refund policy! This is totally unjustified to keep my {$1100.00} and not do anything about it. 

I tried calling the bank and they upfront said that they wont help me at all and can not do anything about it. 

I would request you to please look into and appreciate your help on this matter as soon as possible. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

After the complaint that was send them and the complaint file with CFPB the Credit Agencies. Equifax has now told me as the Beneficiary to XXXX XXXX XXXX XXXX : XXXX XXXX the account is victim of Fraud or Identity Theft.
Product: Checking or savings account

On XX/XX/XXXX, I called because my card was not working I was informed due to an previously overdrawn account and inactivity there was a hold placed on my debit card. But since my direct deposit was available and had satisfied the overdrawn amount the hold was taken off my card. My debit card worked all day XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card at an atm and the atm said the transaction was cancelled please contact your bank. I tried to call the Telephone banking Center, which was having technical issues causing an automate voice to tell you they were having issues and to call back later. It was a few minutes before closing at the physical bank. I went through the drive through since the lobby was closed I explained what was happening and that I had the available funds to make a w/d but needed a counter check. The gentleman smiled and said sorry we ca n't help you because the lobby is closed. I pushed back and requested if an exception can be made due to the circumstance and he said no. Nor did he attempt to see why my card was inactive or present any other option. I later called the telephone bank center after several attempts and almost a half an hour wait I spoke with a representative who was great. He was able to find out that my card was closed for on XX/XX/XXXX due to more than 30 days of inactivity. Which confused us both since I used my card the day before, XX/XX/XXXX. He kindly gave me a number to contact XXXX directly to see if they could get me funds since the issue with my card was an error.
Product: Debt collection

The original Creditor, YEARS AGO, was XXXX XXXX XXXX. The debt has been sold over and over again, therefore eliminating my obligation to pay and relinquishes my debt. Most recently, it was REMOVED from my credit on XX/XX/2019 under the creditor, XXXX. It was then immediately added BACK to my credit report under the creditor cfsi aka Commonwealth Finance. Reflective on both XXXX and XXXX. 

( See attached screenshots ) XXXX : XXXX ( XXXX XXXX XXXX ) - {$910.00} I DO NOT owe this debt! Origination date is nearing if not surpassed 7 years.
Product: Mortgage

I called my mortgage company, PennyMac USA, about my Loan ( XXXX ) on XX/XX/2018. I'm currently unemployed and asked for a short-term forbearance because I'm struggling to make my payments. I was rejected because I paid XX/XX/2018 and wasn't in default. They said I didn't qualify for a short-term forbearance because I wasn't 3 months behind in my payments. 

I told them I'm trying to be proactive and let them know that I'm struggling financially, but actively looking for full-time work. They said I needed to be 3 months without payment before I could qualify to " not pay. '' I'm afraid that if I don't pay for 3 months, they'll start the foreclosure process. 

Please help. I want to remain in good standing, I'm looking for full-time work, but I need a short term forbearance while I regain income. 

Thank you!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

XXXX, XXXX  and Experian are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing.

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.
Product: Credit card or prepaid card

Our billing statement for the period closing XXXX XXXX, 2017 states our Blue Cash Rewards balance as {$89.00}. That figure appears prominently on the very first page, in the upper right corner. It is the very first figure we see when we open the bill. However when we tried to redeem those rewards, we were told we could only redeem {$25.00}. Rewards can be redeemed in increments of {$25.00}, so we should be able to redeem {$75.00} of the {$89.00}. We called AmEx on XX/XX/XXXX to ask why our redemption was so limited. AmEx did not say the {$89.00} was a typo or other mistake. AmEx said it was because that 's how much we had on XX/XX/XXXX, then we redeemed {$50.00} on XX/XX/XXXX. We asked why that redemption had not been subtracted from the displayed Blue Cash Rewards balance on the statement issued nearly a month later, on XX/XX/XXXX. AmEx told us " it takes more than one billing cycle to post. '' That contradicts the XX/XX/XXXX billing statement, because the {$50.00} redemption listed as a credit on page 3. So clearly it had already posted, just like the numerous XXXX XXXX charges through XX/XX/XXXX.  AmEx expects us to pay. So we asked AmEx to honor the {$89.00} balance displayed on our statement, and allow us to redeem {$75.00} of it. AmEx refused to honor the balance printed on our statement. Its insistence on publishing a high cash rewards balance then refusing to allow redemption based on that amount is confusing at best, and deliberately deceptive at worst.
Product: Debt collection

This is a debt collection for a false claim by XXXX. I filed a complaint with consumer financial protection bureau ( cfpb ) on XXXX. 
CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/2020 I received a collection notice from credit collection services dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called lexinexis and they told me that there was no bankruptcy. I have a copy of the letter providing proof they gave me inaccurate information. So after disputing with the credit bureaus and sending them my letter with no bankruptcy found. The credit bureaus kept saying that the bankruptcy is being reported accurate. Please ensure that they abide by the consumer laws thats in place to protect us. 

I called lexisnexis yesterday day XX/XX/2019 and one of their staff members said that the credit bureaus were able to pull records from my unverified public records from their company? third party I wan na know how is this possible and why are they illegally allowing credit bureaus to pull this information? Please have them remove this public record from being accessible to the credit bureaus. In this letter I have provided physical proof from the Michigan u.s bankruptcy court stating that they do not report to any credit agencys. I demand that my FCRA consumer rights be exercise correctly.
Product: Student loan

I applied to NAVIENT for a an lower payment Income Based Repayment plan and have NOT recieved anything as to the status to my request to date. I am a XXXX on fixed benefit income, and really CAN NOT afford to repay this student loan. Am I eligible for loan Forgiveness? Thank you for Any HELP!! 
School attended : XXXX, Maryland.
Product: Debt collection

Today XX/XX/year> I received a letter stating I agreed for my account to be direct debited for XXXX. I have not submitted any authorization for this. I called Armstrong & Associates and asked who authorized this, the operator replied we spoke to you on XX/XX/year> and you did. I never authorized anything they called and I answered and told them to learn how to pronounce my last name and try again. The call was 14 secs long. I next asked what account they planned to debit and he said a visa ending in XXXX. That matches none of my cards. They are not obtaining proper authorization to direct debit accounts.
Product: Checking or savings account

My original loan company was XXXX XXXX XXXX before the account was transferred to Planet Home Lending XX/XX/XXXX. Starting XX/XX/XXXX I enrolled in biweekly payments in the amount of {$1000.00} with automatic drafts with XXXX  and in XXXX the payment defaulted which removed me from the auto drafts. I never reenrolled and made payments manually online in the full amount of {$2100.00} and I also had a credit on the account in the amount of {$1000.00}. My account with XXXX was current and no issues. XX/XX/XXXX I received an email regarding my bank account with that a payment in the amount of {$1000.00} was automatically drafted. I called Planet Home to inquire about this matter as to the reason my account was drafted unlawfully and without my permission and was told that it was transferred from the previous mortgage company. I asked for proof and was told there was no proof that could be sent to me just the word of a supervisor. I was told to submit my bank statements for proof of all my prior payments via email. I also received a letter a few days later XX/XX/XXXX stating that automatic drafted payments will start XX/XX/XXXX I called to state that I did not want that and to stop that process and was told that it can not be stopped at this time and that I will have to submit an email with my signature to have payments stopped. I sent the email per the request XX/XX/XXXX. My complaint is the company had no authority to access my bank account and process a payment without my permission. The erroneous actions caused by this company would have caused an overdraft issue with my bank account.
Product: Mortgage

We decided to use Wells Fargo for our conventional home loan. Everything was going well and all of sudden it became very difficult to receive responses from the loan advisor. We ended up missing closing due to lack of communication. Throughout most of the process we were not asked for much, then all of a sudden during the final week we began to receive urgent calls and emails from the lender because we had certain tasks that needed to be completed. We ended up missing the closing of our new home at which point the loan advisor simply stopped responding to everyone including the attorneys, agents, and everyone involved. I was advised that we would still more than likely be able to close, but that certain requirements were needed. It seems as though I receive a task and then I don't hear back for a few days after I complete the task. I have sent multiple emails and calls that are usually answered sometimes days later and no real solution is brought up. The most recent call involved us paying off {$16000.00} in credit card debt which I had no issue doing, after that conversation, my emails and calls were all ignored. I am simply frustrated because we are complying with everything that is being asked of us and then soon after being ignored. If we do not qualify for the loan, that is fine but some communication would be nice. We are on the verge of being homeless because we have not been able to figure out or next step and our loan advisor does not seem to care. We went with a big bank because we thought they would be more professional and it turned out to be our biggest mistake.
Product: Mortgage

We are on covid forbearance till XX/XX/21, we even had an email from XXXX ( XXXX ) XXXX ( supervisor ) verifying we would not be removed off forbearance till XXXX, an agent told me today someone removed my forbearance XXXX without my knowledge, an agent statedthats how they do it. Also she they denied ne for streamline refinance??? I never applied for a streamline refinance, whatever happened to HUD FHA partial claim and covid loan modifications? I requested i wanted consideration for HUD Hamp/ Partial Claim and was sent letter with a full page of requested checklist of documents including tax returns, doctors bills for a Reduced Documentation Hamp/partial claim which per HUD only requires a 1 month payroll proof document, Freedom Mortgage is making it a very confusing process, not following HUD guidelines, i need resolution asap,
Product: Debt collection

Incorrect information on my credit reports Such as XXXX XXXX I believe you help me over a year ago with this they had sent me a letter tell me they're going to remove it and never did I contacted them again and it could be another 30 days you just been a run around with them back and forth including wrong information on my credit reports from all three agencies it is impossible to get any credit car loans anything
Product: Credit card or prepaid card

On XX/XX/2018 I made an online payment to XXXX XXXX for {$120.00}. I was emailed a paid invoice from XXXX for my monthly payment of {$120.00}. However, on my debit card account / Netspend it showed a pending transaction to XXXX  of XXXX. 

I contacted XXXX AND WAS ADVISED THE SUBMITTED THE EXACT AMOUNT OF XXXX TO NETSPEND. XXXX stated that Netspend had given them an authorization code XXXX in the amount of XXXX. 

I contacted Netspend and was advised that XXXX submitted a request to hold XXXX. 

After many phone calls, I still do not know who put the hold for more than the purchase price. This is not an amount subject to change and is a month to month fixed amount. 

I simply can not get any answers as to who placed the hold on my available funds. I had to actually go to a place and deposit money on the card to complete another purchase for parts for my vehicle. 

Netspend is swearing they didn't add anything to the XXXX submitted amount and XXXX  is swearing they did not submit an amount for more that the actual cost! 

I think I should be able to find out who placed a hold on my funds that exceeded an invoice. This was not gasoline or a car rental.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting XXXX it 's not mines I ca n't utilize that service in my area, Experian and XXXX are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX now XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue
Product: Credit reporting or other personal consumer reports

Fraudulent accounts XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXt opened on XX/XX/XXXX under account number ending XXXX, another secured credit card at XXXX XXXX opened XX/XX/XXXX account ending XXXX, another secured credit card at XXXXXXXX XXXX opened XX/XX/XXXX account number ending XXXX.that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a letter over a month ago ( XX/XX/2022 ) but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my Equifax report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX Card that dates back to 1987. This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.
Product: Credit reporting or other personal consumer reports

Upon checking my XXXX credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/2023 XXXX