23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On, or around XX/XX/XXXX, I applied for the enforcement of the servicemember Civil Relief act ; Uniformed Service Employment and Re-employment Rights act ( RS 29:422 ). On XX/XX/XXXX, I received an approval email response stating that any " new cards activity will receive an Annual Percentage Rate ( APR ) of 0.00 % for the duration of XXXX XXXX. If applicable, credit was issued for fees and billed interest and will appear on an upcoming billing statement ( s ). Balances incurred during XXXX XXXX will return to the Standard Annual Percentage Rate ( APR ) as stated in your Cardmember Agreement upon completion of XXXX XXXX. American Express will provide notification of exit and applicable rate increases at least 45 days prior to exit ''. I did not receive any credits on either card or were they applied to my billing statements. Basically, they are refusing me credit for any interest or fees charged illegally on the cards I now hold with them. Furthermore, the states Ohio, Louisiana, and Pennsylvania extend this act to all charge obligation originated during military service. I am an XXXX XXXXXXXX residing in Louisiana, and I fulfill the requirements for credits to be applied for previous charges. As a result, on XX/XX/XXXX, I contacted American Express again to resolve the matter and assure they understood my desire. The person I spoke with informed me that I needed to file a new request, and that he would make sure to annotate the Louisiana code in the notes. Also, I should expect to receive a response by the end of the month, which is closer to their 60-day deadline. Since that XXXX deadline was approaching I reached out today XXXX XXXX. XXXX to receive an update. During this call, the lady I spoke with advised me that SCRA has been applied to my cards, but they would only apply it back until XXXX, when the letter was mailed out. I have been a member since XXXX and an XXXX XXXX  member since XX/XX/XXXX. As a result, I am not sure why it is just being applied back until XXXXXXXX XXXX XXXX Also, I have reached out to other individuals and their letters were different than mines. Their letters stated " that they have chosen to reduce the interest rate on your SCRA eligible balance ( s ) to an Annual Percentage Rate ( APR ) of 0.00 % per year. To move XXXX eligible balances incurred prior to XXXX XXXX to the 0.00 %, we have issued credit ( s ) to the existing Annual Percentage Rate ( APR ) of 0.00 % and debit ( s ) to the Annual Percentage Rate ( APR ) of 0.00 %. The itemized adjustment will appear on your statement as Balance Transfer/ Reversal of Balance Transfer. As a result, you will see this balance now displayed on your monthly billing statement under XXXX interest Rate in the Interest charge calculation section. We have also credited your account for any applicable interest charges and fees, which you will see reflected on an upcoming billing statement ( s ) ''. Finally, I have only encountered problems with this organization thus far ; however, it appears that not everyone is receiving the same treatment, therefore I would appreciate your help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Received a phone call from an automated message claiming to be calling about an issue with my debit/credit from Chase Bank and I usually hang up by that point. I have not banked with Chase  in over a decade. I have received this call multiple times but am finally reporting it. The number that called me was XXXX XXXX XXXX XXXX XXXX from XXXX, XXXX, XXXX according to the caller ID. I block the number each time I get one of these calls.
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. 

Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : 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: 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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

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 U.S.C 1681. 
Accounts below, have violated my rights 15 U.S.C.1681section 602 A States I have the right to privacy Accounts ; 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  15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not open an account without my written instructions 15 U.S.C. 1681 ( c ) ( 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 antidotes the report by more than 7 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 accurate.
Product: Debt collection

Multiple phone calls from agency Portfolio Recovery throughout the day as late as XXXX, even on Sundays. Attempts to block each individual number, however this has been unsuccessful as agency will use new number each time after blocking.
Product: Credit reporting or other personal consumer reports

This is a complaint against American Express. My problem started when I bought a house located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with American Express without my consent. I contacted American Express but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the American Express collections department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from XXXX, XXXX and XXXX. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to XXXX, XXXX XXXX, and XXXX. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with XXXX, XXXX, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.
Product: Debt collection

CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/year> and a balance of {$710.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergenr outsourcing is reporting a collection account for sprint that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with XXXX and they had deleted it and then convergent outsourcing reported again as past due. They have not sent any bill and continue to not verify this debt. XXXX also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.
Product: Checking or savings account

I visited Truist Bank, XXXX, VA several times last year after the patron died. I asked Customer Rep., XXXX, to send monies to the beneficiary from savings and checking accounts. I provided Administrator, death certificate, bank and savings account information. Beneficiary lives in XXXX XXXX  MO. It did not happen. 

I called and spoke to Bank Manager, XXXX XXXX on XX/XX/year>. She said XXXX would contact me. I called again on XX/XX/year> and again on XX/XX/year> at XXXX. She and XXXX were on the call. I told her beneficiary had financial problems and could not be expected to travel her to pick up less than {$4000.00}. I asked if she would send the monies to the beneficiary and close out the account. Following the manager 's instruction, I texted the beneficiary providing bank information and informed her to call the bank. The beneficiary has not responded to my text. Th beneficiary will not contact me as she believes I had or have access to the monies involved. 

I also asked that documentation of the closed account be sent to me for submittal to XXXX XXXX Commissioners. To this date, the bank has not acted upon my request. 
This inaction by the bank is not allowing me to close this estate matter. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should remove any incorrect accounts from my credit report. Can you please review the documents? Several accounts listed have reporting inaccuracies, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Checking or savings account

My venmo account was frozen for violation of terms of services. After asking what exactly I violated I was told venmo doesn't have to tell me. I was requested to upload my ID to unfreeze my account. After doing so venmo permanently suspended my account with a balance of {$290.00} that venmo said they are keeping for loss prevention. I've asked multiple times if I can get my funds but keep getting denied
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/2018, I called Equifax at XXXX- XXXX- XXXX to verify collection accounts in order with FCRA, section 609 ( a ) ( 1 ) ( A ). They absolutely refused to comply and told me those erroneous accounts will stay on my credit report for 7 years. As, well as, they also contain various multiple accounts with different account numbers for no reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX XXXX XXXX and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.
Product: Credit reporting or other personal consumer reports

It was stated that the information was verified by your company by FCRA Im questioning the method of your verification process Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date? 
How long was the conversation? 
What was their position? 
What number did you call? 
What is the name of your employee that spoke directly to the above party? 
What is the position of your employee that spoke to the above party? 
How long has that individual been employed by your company? 
What type of training was provided to this employee in order to investigate items of this kind? 
Were there any e-mails or written communications between employees of your company and the above party? 
8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question. 
9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease.

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the accounts ) in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings.
Product: Credit reporting or other personal consumer reports

refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. was not removed in the time frame accout resurgent lvnv account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I wished to link my bank account to a stock investing app, XXXX, and was not able to do so.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX - XX/XX/XXXX TransUnion
Product: Debt collection

Served with papers without notifying me ahead of time in XX/XX/XXXX. And at that time it was all pending because I filed for community care and aspirus had sent me a letter saying that XXXX XXXX   would pay 75 % of the bills that were at alliances collections I thought everything was taken care of and I was just waiting to find out what I was to pay after the 75 % was paid but never heard anything from alliance or aspirus then one day I 'm served with papers to go to court. So I called alliance to try to work things out they said I could n't pay less than XXXX a month I said I could pay XXXX a month because I do have other bills they said no I had to pay XXXX or go to court and every time I call them they are rude and uncaring, I recently called because I was explaining to them why I was short on the last payment and also explained that I am filing malpractice against the doctor who did XXXX on my XXXX  which those are the bills that are at alliance collections, and right away the girl asked me where I was getting the money for an attorney I told her it was none of her business. And now today XX/XX/XXXX I spoke with XXXX explaining that I was going to refinance my mortgage and get extra money to pay this bill at alliance collections off then she proceeded to tell me several times I was behind on my payment by XXXX and that if it is not paid they would take me to court.
Product: Student loan

I originally borrowed about {$6400.00} in student loans from Wells Fargo. I was the first in my family to go to college, and did not know anything about financing my education, nor did I understand interest rates and repayment terms. I have been paying my loan every month for over a decade now, and still owe {$5400.00} In total, I have already paid over {$9100.00}, including {$6500.00} in interest alone ( more than the original loan amount ). At this rate, it will take me 12 additional years ( 22 years in total ) to pay off the loan, and I will have paid Wells Fargo over {$16000.00} in interest ( 260 % of the original loan amount ). For a {$6400.00} student loan. 

When I told a branch manager my situation, she was completely appalled and said she would try to call the student loan department herself, though it was unsuccessful. When I called the student loan department, my case was referred to the Executive Office. When someone finally called me back from the Executive Office, I was told there was nothing that could be done because I signed on the line and according to him, " knew what [ I ] was signing. '' His only solution was to take out another private student loan to pay off this loan. 

Wells Fargo knowingly took advantage of a weaker party who did not understand what she was signing, and was in an inferior bargaining position. The current interest rate on the loan is 13.240 % and continues to go up. California courts ( where the loan originated ) have determined that the contract doctrine of unconscionability may provide a remedy for student loans with exorbitant interest rates. Bringing a lawsuit, however, would likely cost more than the amount owed on the loan.
Product: Credit reporting or other personal consumer reports

This morning, I found out that there are unauthorized inquiries on my credit report, which I can't explain. I check my report regularly, but this time I saw strange discrepancies. I even tried reloading the page in case it was a glitch, but nothing changed. Im really frustrated by this, and I need the documents I provided to be thoroughly reviewed so I dont have to worry about this happening again.