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

Try to use my u.s. Bank ReliaCard they said my account was suspended I called on the XXXX  they said they were updating their security I needed to send a picture of my driver 's license front and back and a selfie of myself did that waited two days on the XXXX of XXXX that asked me for the same thing again I called them on the XXXX because that's my unemployment money and that's all I have to feed me and my family they said I had to wait another two working days until they can identify my selfie with my license I've never had trouble with my card before don't understand why they have a hold on my card anyway and they will not release my unemployment money
Product: Checking or savings account

I filed a complaint back in XXXX of 2020 against a company called XXXX XXXX for taking unauthorized payments out of my account. I requested for my cancellation of membership with this company in XXXX, XXXX and XXXX, yet they continued to take money out of my account for leads. When I originally filed the complaint with Bank of America a credit was given to me until the investigation was complete. During this time XXXX XXXX continued to take money out of the account even thought I requested for the unauthorized payments to be stopped from this particular institution. The credited amount was then reversed because Bank of America stated that the company said I was still a member. I was not and have the supporting documents to prove so. When it was time for me to submit the documents that supported my claim I was no longer able to access my account due to other fraudulent activity on the account. Since then none of the money was able to be refunded back to my account.
Product: Credit card

We recieved a statement from a credit card company on XX/XX/2023 that had a {$680.00} LATE FEE on it. Was informed from someone overseas that the payment was recieved 3 days prior to the due date. Therefore no late fee should of been applied to the account. They informed me, after getting disconnect twice that we needed to pay this and they would credit our account next month. Each time I called back I requested to speak to a manager, finally did speak to him, which he informed me we would need to pay the total amount on the statement, once again this person was overseas. I told him I wanted a new statement without the LATE FEE on it. After he stated that again, I requested to speak to someone here in the United States, which he did transfer me to a lady who said she was in the United States, after explaining once again what happen, she informed me I would have to speak to someone else about this. Therefore she would transfer me. She transfered me to an automated system. I pressed the number for customer service, which took me to a payment line for a CREDIT card. There was no way to get back to the main menu. After hanging up, I called the service number on the statement was returned to the overseas service center. The guy that answered the phone said he couldn't transfer me back to the United States. After 1 1/2 Hours on the phone I'm very upset with this company and have gotten no where!!
Product: Credit reporting or other personal consumer reports

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  ( The following personal information is incorrect. The personal data reporting is inaccurate. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

These negative inaccurate accounts on all three of my credit bureaus should not be there. From XX/XX/year> until present. 

XXXX TranUnion XXXX Has not done a proper investigation on none of my 3 major credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XX/XX/XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and these accounts were opened or inquiries made without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit file. 
Please find below the detailed list of unauthorized accounts and inquiries : Accounts : XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$710.00} Inquiries : 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 XXXXXX/XX/XXXX
Product: Mortgage

SP Servicing received a notice from the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that they would like to do a deed in Lieu of Foreclosure on a property located at XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
Sp Servicing did not want to accept the property and Requested that the Sellers attempt a Short Sale on the property and received their independent BPO on the property. 
On XX/XX/XXXX the home was listed thru XXXX XXXX XXXX XXXX as a Short Sale in the XXXX XXXX AZ and an offer was tendered and accepted on XXXX. 
The offer was submitted to SP Servicing together with other offers and 3 days later SP Servicing rejected the offers & requested the listing be placed for another 7 days to procure other offers. 
12 days later SP Servicing received all of the offers and then requested an addition 7 days for the property to be active in the XXXX. After this 7 day period with all offers in hand SP Servicing rejected the postponement of the Foreclosure due to less than 30 days left before foreclosure date.ThXXXX Investor has their Broker Priced Opinion and the offers tendered were above the asking price and the BPO pricing. SP Servicing manipulated purposely the events that cause this property to be foreclosed and their unfair practices should be scrutinized.
Product: Credit reporting or other personal consumer reports

I received an email from Care Credit Synchrony Bank with regards to my account with them. They have lowered my credit amount for no good reason. 
I have always paid them on time and had over {$1100.00} or more dollars open with them on {$3500.00} credit line. 

I guess these bad actors look at credit reports and then determine without a truly good reason what types of actions are taken towards their customers. Thats all well and good when it is deserved. In my case it is not. 

Their reasoning for this is that I have high balances on other cards. 
Well, hello!!! that is what credit is for. I pay my bills on time every month often make more than a minimum payment and have several cards with underutilized credit amounts. 

By taking this action against me for no good reason it will lower my credit score and make it more expensive for me to get credit going forward. 

I am being judged unfairly here and action needs to be taken on this company for doing so.
Product: Debt collection

Medical Revenue Services continues to report and confirm my disputes with the credit agencies that I owe a debt that has been settled. I have sent MRS and the credit agencies dispute letters along with proof I have paid these medical bills. MRS confirmed they had received a letter to cancel the collection from XXXX XXXX in XX/XX/XXXX, yet has not removed them. This has prevented me for four months now from obtaining a mortgage loan to purchase a home. I 've been forced to rent until I can get this matter resolved. I have called XXXX, MRS , and the credit agencies multiple times and still nothing has been done.
Product: Credit card

This is in regards to complaint # XXXX with Wells Fargo that I reported earlier. Wells Fargo settle the account in the amount of {$3900.00} and still hold me accountable for {$2900.00}. I have asked them to provide all documents of their investigations which they didn't.

I am not willing to pay for something I did not benefit from. THIS IS SO UNFAIR that Wells Fargo still making me pay {$2900.00}.

Please reach out to them and ask for all the proof of their investigations so I can go ahead and start my own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX & XXXX were all unable to provide me with my free online credit report.
Product: Money transfer, virtual currency, or money service

I am writing formally writing to express my concerns regarding Zelle handling of particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking those funds were unfeasible. The CFPB findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving consumers vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

See the attached Debt Validation Demand Letter, and Cease and Desist Letter.
Product: Credit card or prepaid card

I received a debit card from USBank ReliaCard which I did not apply for. This card is in regards to unemployment benefits. I have been retired for several years, and have NEVER applied for unemployment benefits. This is a scam. I tried to reach USBank but was unsuccessful, as their website requires to activate the card, could not get to speak to anyone to have them cancel this card. It seems that someone is using my name to use this debit card.
Product: Credit card

The series of events here are indicative of a bank weighing risk, making their buck, and completely disabusing a customer of their humanity. 

Discover closed my credit account I've had open for four years. In four years I've never missed a payment, they've made plenty of money off interest from me, and I've not had any complaints. 

In XXXX  I paid off an {$8000.00} dollar balance on my card after using a balance transfer they assessed a {$500.00} dollar fee on for terms of payment over a year without fees. I paid that entire balance off in the same month I transferred it. 

In XXXX they closed my account without notifying me, although they said they left a voicemail. The timing of this is incredibly suspect. 

This was an account I had spent the last four years building and arguably my largest available balance by far. I am currently in process of purchasing a home and this is going to tank my score based on credit utilization. In addition to this, I still owe them money from the balance transfer and they won't waive the rest of it. 

They nickel and dimed me ( an expression in this economy ) for late fees, transfer fees, and interest on transfer fees. Then they dropped my account. 

This really feels like they weighed the risk of maintaining me as a customer, decided they got their money ( and then some, ) and then scooted me out the door. " There is no way anyone above me in any department can waive this fee for you. This is not a customer retention issue because you aren't a customer. Your account is closed. I'm sorry to hear you aren't interested in opening another account with us. 

I didn't elect to close my account. You just randomly decided to verify it for the first time in four years and didn't hear back so you closed it out from under me after collecting your money. 

This is criminal.
Product: Credit card

I contacted Discover credit card regarding my monthly payments. I attempted several time to speak to someone who can assist me in lowering my payments.I first spoke to XXXX who stated that Discover Card can only lower the interest rate to 12 % for a year while my payments would still be {$110.00} month. I explained to her that I was going through hardship and that {$110.00} would not be feasible at this time. She stated, when I opened the account I agreed to make my payments. I stated, that is correct however I am not making the same income as I did when I first opened the account. XXXX stated, that 's the only assistance that Discover can do for me. Later, that evening I contacted Discover card again having to wait 25 minutes before a customer service manager pick up the phone. I spoke to XXXX and explained my situation to her. XXXX told me that my monthly payments would be {$130.00} month with a lower interest rate at 12 % with my card being suspended. I asked to speak to her supervisor but after waiting 10-15 more minutes the phone hung up on me. 
I have been a card holder with Discover since 2006. I am very disappointed in the treatment I have received. I really need some sort of assistance.
Product: Vehicle loan or lease

Unlawfully denying my consumer credit transaction for false non-decisive factors, pursuant to 15 U.S. Code 1691.
Product: Bank account or service

I signed up for Nationwide Biweekly in XX/XX/2014 to save money on my mortgage loan. My husband and I decided that we could handle our payment the same way Nationwide does so I called to cancel the service in  XXXX. The representative told me that I could not cancel because they have not collected the service fee yet. She told me that if I call back after XXXX that I could cancel. I had no idea there was service fee and I was shocked when she told me it was a whole mortgage payment. If I had known about this fee I would have never signed up for the service. I believed that the two extra payments from XXXX and XXXX would go directly to my mortgage as an extra payment, not a setup fee.  I recently got an email from Nationwide saying my account is "temporarily" cancelled because they lost their agreement with their bank.  I have tried contacting them through email and over the phone. I haven't got a response through email and whenever I call customer service it says they are experiencing high call volumes and to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.
Product: Debt collection

Had XXXX XXXX  car insurance since XXXX most recent policy was from XX/XX/XXXX to XX/XX/XXXX. I paid by automatic withdrawal every XXXX of month from checking account never late. Paid XX/XX/XXXX as usual however called to cancel policy XX/XX/XXXX was told I had a balance due {$180.00} but XXXX was unable to explain how I requested investigation and also detailed account bill never received it.i did receive a final bill with a due date of XX/XX/XXXX in XXXX went to try to find policy info or billing breakdown on website my whole account history was deleted on XX/XX/XXXX received notice from collections agency. It has not even been 30 days late bill was just due XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681.

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. 

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  I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. Experian has refused to help even though they have had many inaccurate info on my reports. 

These inquiries has affected me immensely and i want these inquiries deleted immediatley!
Product: Debt collection

I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. 

I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. 

I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. 

I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. 

I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. 

That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. 

Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142
( b ) ( 6 )
Product: Debt collection

Im a consumer federal agent my client XXXX XXXX XXXX has been a victim of identity theft and he file disputes several times and still no result I dont need to remind you of your job In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization If you failed to respond within 30 days we will take legal actions because youre breaking big violations
Product: Debt collection

Original creditor sold account, my personal information ( social security number, birth date, address, phone number, and full name ) to another company without my approval or knowledge. I then called original credit to ask questions about account such as was account sold would not answer my question, why was my personal information was sold again didnt answer question, can I receive a original contact and I was told they no longer own the account and have no information that they can give me.