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

XXXX XXXX Offered a discount, I accepted a XXXX XXXX  credit card while making a phone order, was told that he paper work would be sent to me. 

On Thursday XX/XX/XXXX I received my first contact from them, making it clear that the interest was 31.74 % (!! ) and that *I had only days to close the account, * if I did not wish to accept that. The card 's fine print gives itself the right to all my personal information and to share it with anyone it chooses. 

I did not call to activate the card. Instead, I immediately called the number given to close the account ( XXXX. ) It's a recording. There is NO place in its menu to close an account. I tried all the options given and could not close the account. There is NO way to get an operator. I tried numbers for customer service and the Comenity Bank, said to be the issuing banking institution. It turns out to be a Delaware po box XXXX Recordings. 

I wrote XXXX XXXX on its website. 

Good merchandise. Sleazy financial practices. 

I NEED TO CLOSE THIS. 

FRAUD. FRAUD. FRAUD.
Product: Debt collection

My dog was taken to XXXX they told me the dog needs this done an that I personally told them once they told me total I didnt have the money an that I would just leave with my dog. They then came out said my dog was under XXXX XXXX an I stated again I cant provide that type money came back out said the dog had died. An now Im receiving rude phone calls an bills in the mail of medical bills. I dont have!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months Ive been in dispute with experian not just fraud account reporting but expierian itself is fraudulently operating a money ponzy scheme. They in of themself are clearly with intent for fraudulent gain and enrichment not filing disputes at all, limiting what one can say in a dispute making themselves unavailable for any one consumer or not no contact at all. They are charging XXXX enriching themselves by the ponzy scheme they dont report disputes and if they on rare occasions do its not as writen so the dispute goes no where the consumer continues to be a customer attempting to dispute fraud accounts in their name and the cycle repeats the problem never resolved and thus stealing from millions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the several unsuccessful attempts to remove fraudulent items from my credit file. Despite several reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 
Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00}.
Product: Checking or savings account

I received an email from Marcus by Goldman Sachs ( XXXX ) on Thursday, XX/XX/XXXX stating that my statement preference was successfully changed. I thought this was odd as I hadn't signed in to the account or made any administrative changes on the account for a while. 

Upon attempting to sign in to the account on the same date to see what was going on, I was notified that my account was temporarily locked and to call customer service to unlock the account. From there, I contacted customer service a few times ( a handful of the calls dropped while I was placed on hold ) and after verifying my identity was passed over to the security team, being told they had a few questions to ask me in order to unlock my account. 

From there, I was placed on hold again for a few minutes while the contact reviewed my account, only to be told that my account was frozen, being reviewed, and per their procedure/policy, could not provide any information on why the account had been flagged, how long it would take for the account to be reviewed, or when I would hear back from them regarding the completion of the review process. 

Overall, I went through this process with the same result twice ( not including the handful of times the call dropped ), on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. Ultimately, the individuals I spoke with were pleasant and clearly just doing their jobs, but it's absurd that the account holder is not able to receive justification for a change in account status ( especially without even being notified of the change in account status ).
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX Navient tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to Navient and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
Product: Credit card or prepaid card

A merchant charged my card for services that were to be provided. The merchant did not provide the full service, and agreed to refund {$200.00} for the unfulfilled services ( through text message ). The merchant however did not refund {$200.00} for the services. I filed a dispute with my Discover for {$200.00}. Discover is telling me that I need more proof from merchant stating they owe me {$200.00}, even though I have a text message stating the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX  ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. XXXX XXXX XXXX XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies had made inquiries on my credit report with accounts that I do not have which is a violation of my consumer law rights. I do not have an accounts with the following : Ally Financial Dated 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX - XXXX, XXXXXXXX XXXX - XXXX, XXXXXXXX XXXX - XXXXXXXX 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.
Product: Credit reporting

I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.
Product: Credit card or prepaid card

Added {$130.00} to vanillagiftcard Made online purchase for {$100.00}. Than later, tried making {$6.00} purchase ; it was declined. 
Tried checking card balance. A message appears that says system error. 
Not getting any answers. Going on day 3. I cant check balance and no one answers in customer service. 
According to XXXX. This is the number to financial institution. XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The homeowner 's house was damage as a result of the storm.
Her insurance Company came to appraised the damage and sent the check to SPS Mortgage Servicing Company on XX/XX/XXXX
The Homeowner hired a contractor to do the work and papers was filed with SPS by the contractor. The contractor was later dismissed because he was not certified and did not have the proper license. He did not do any work on the house.
The homeowner then hired a second contractor who was certified and licensed and the papers were filed with SPS.
SPS then required contractor # 1 to sign a paper stating that he is no longer the contractor on the job. He did not sign the paper nor will he cooperate with SPS.
The policy of SPS is when this situation occurs they will call the contractor 3 times once per week in the event the contractor does not respond they will forward the insurance check to the homeowner.
SPS has had the check in excess of {$7000.00} since XX/XX/XXXX. SPS made the first call to the contractor on XX/XX/XXXXand none after. On XX/XX/XXXXSPS stated that they did not make the second and third call to the contractor and therefore we have to start all over again. Everytime it rains the homeowner 's house is damage as a result.
This is a hardship to the homeowner because SPS has had the check sinceXX/XX/XXXX and is intentionally withholding the money from the homeowner so that she can complete the work.
Product: Bank account or service

Ally Bank unilaterally closed my checking acct on XXXX XXXX without any notice. They falsely claimed that they sent notification via mail to my home address and to my attorney. Neither of us received any such notification. They claimed that they sent an email notice. I did received a message on my email that I needed to log into my account ( XXXX ) for correspondence. When I did, there was no notice -- just a blank page. I should note that my attorney, did call and email XXXX attorneys at Ally, including a XXXX XXXX their General counsel and a XXXX XXXX. He and XXXX XXXX refused to respond. Neither could they demonstrate that they actually sent any letters. 
Ally Bank has demonstrated a persistent inability to provide basis customer service. Reps re incompetent and frequently refuse to connect this customer ( and others ) to supervisors who sometimes can resolve problems and frequently they can not. They then refuse to connect the customer to Managers. I did write a complaint to the President of the company and received a pro forma letter several weeks later which did not address the problem. In XXXX, my acct was overdraw by just {$6.00} for several days until my social security benefit was paid to my acct. I did not dispute the {$9.00} overdraft charge. Earlier, I noted to one supervisor, XXXX, that I would start to look for a new bank, but she insisted " we want to keep you as a customer, and we will do our best to improve. ". 

On XXXX XXXX, I found that the account had been closed. Only at my urging did they refund the balance to me of {$160.00} WHICH SHOWED THAT THE ACCOUNT WAS FULLY FUNDED. 

I have now found that Ally Bank, at the urging of one person, in particular, XXXX XXXX, an Executive Resolution Specialist, closed the account, When I spoke with him over the phone on or about XXXX XXXX, he was demeaning and attacking and made clear that he was retaliating for my complaints. Ally filed complaints with XXXX, XXXX, XXXX and XXXX as retaliation. I should note that I never borrowed any monies from the bank. 
I would like the CFPB to force Ally to remove the negative reports, immediately and take whatever action against Ally that it can. 
XXXX XXXX Acct Number XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX THIS COMPANY FAILED TO VALID THE DEBT. THE DEBT IS UNVERIFIED ACCOUNT.
Product: Student loan

XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled!
Product: Mortgage

Bank of America has refused to cooperate with me to get a loan modification that will be permanent. After my work accident two years ago, I have been put on XXXX by my doctor and XXXX. It has been difficult for me to make payments and I have fallen behind due to my work accident. Now I am facing foreclosure and Bank of America has not done anything to help me with my financial hardship.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXXs Consumer Social Security Number : XXXX Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 credit card from 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. 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 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card or prepaid card

. I requested a copy of the online application filled out online to get this credit card. Did not receive it. May I have a copy of the online application used to get this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is without a doubt one of the most unscrupulous ones out there. I have constant issues with them especially with regards to them failing to apply payments, changing due dates, adjusting available credit weeks after payments already cleared. 

I was enrolled in 3 different programs for covid been there for 8 years never late and i paid as well based on their directives and they reported me late for XXXX and XX/XX/2020. Never been late in 8 years didnt start now. 

Just because they repeatedly lie about it i started screenshots of everything nightly. They are now saying i didnt make a payment before XX/XX/XXXX which you clearly see attached i made the payments and more and they fraudulently added on a late fee yet again. They also have yet to refund a cancelled transaction from XX/XX/2020 which is just how they are - beware
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I observed my credit being incorrectly reported by Equifax and promtly filed a dispute. My credit report was stating that XXXX XXXX XXXX XXXX Florida XXXX XXXX had a late payment for XX/XX/2023. We had previously addressed this inaccuracy with the bank who advised us to contact our credit reporting agencies. On XX/XX/2023 I received a notification that equifax had closed my dispute with no changed made. On XX/XX/2023 I called equifax to address why the dispute was closed period. I was told that they do not take the word of the consumer and I advised them that I provided them with the bank and payment statements. The man advised me they only believe what the reporting entity tells them. I advised him that this was wrong and he told me to call them. I previously had to address this with XXXX who promly addressed and corrected my dispute. I have attached the equifax dispute and their response, the bank statements with payment dates to the bank, what my XXXX report shows vs equifax report. This is ruining my payment history from good as it should be as XXXX has to poor which is what equifax is reporting. Please help me correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX   XXXX. Please remove these items from my credit.