23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Amex personal platinum card opened in XX/XX/XXXX. Annual fee paid. All subsequent bills paid in full and on time. 

Card renewal ( 12 months ) {$690.00} annual fee billed on XX/XX/XXXX. 

XX/XX/XXXX, XXXX days after annual fee is billed and paid, Amex unilaterally cancels the card without notice. No late payments ever made on this card and the card was always in good standing. I am told that a pro-rated refund would be issued automatically. 

XX/XX/XXXX chat with Amex, I am told NO REFUNDs for annual fees. XXXX. 

I would not have renewed the card if I knew Amex would cancel after I paid the fee. If Amex did not want to renew the card, it could have canceled the card before billing another {$690.00} fee. Instead, Amex collected the fee and then canceled. The fee should be refunded.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX DEPT OF EDXXXXXXXX XXXX Balance : - DEPT OF EDXXXXXXXX XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - DEPT OF EDXXXX XXXXXXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - DEPT OF EDXXXX XXXXXXXX Balance : - DEPT OF EDXXXX XXXXXXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/AIDVANTAG XXXX Balance : {$0.00} DEPT OF ED/AIDVANTAG XXXX Balance : {$0.00} DEPT OF ED/AIDVANTAG XXXX Balance : {$0.00} DEPT OF ED/AIDVANTAG XXXX Balance : {$0.00} DEPT OF ED/AIDVANTAG XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

Contacted Wells Fargo and explained that I believe I may be eligible for compensation related to credit monitoring protection that I didn't authorize.
Product: Student loan

My student loans were taken out under fraudulent terms. Sallie Mae has publicly been under fire and has had whistleblowers from XXXX discuss the illegal and fraudulent practices Sallie Mae executed in partnership with the XXXX XXXX XXXX XXXX  ( XXXX  ). Several of the whistleblowers were my student advisors who used the tactics to scam my family and I into taking out loans they knew we could never repay. I have letters, emails, and news articles to prove this. Sallie Mae, after numerous legal battles, then decided to sell the debt collected by not just my family but thousands of others. I tried for years to lower my payments and ask for easier payments which they denied. Both of my parents are Veterans and no options were sent to give them assistance. My mother poured her savings and retirement into Sallie Mae under the threat of legal action when in fact Sallie Mae should not have preyed on Veterans and low income families like myself. I have tried to get the loans dismissed as my Federal Student Loans take out for XXXX  have been wiped away thanks to the Borrowers Defense To Repayment Act. The government agreed that I was tricked into taking out this money. Since Sallie Mae sold my loans I have been harassed consistently from their debt collectors AND the new ones who bought the outstanding balances. 

I am requesting a complete refund of all the money my family gave to Sallie Mae and I want the harassment to stop. This is a federal crime now and I will not let Sallie Mae get away with ruining my families credit and causing insurmountable stress on our well being. This has directly and aggressively impacted my family financially and caused financial issues such as housing and health care since we are unable to pay for food and rent and basic living needs. I want all of our money returned and for the debt to be wiped from our credit reports. Attached you will find proof of Sallie Maes wrongdoings and my case has already been sent to the Federal Government. As I said my federal loans for XXXX  are being dismissed due to the fraudulent practices executed by Sallie Mae and it should be illegal for them to sell debt that was acquired illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX
Product: Mortgage

We had mortgage with Wells Fargo from XXXX would not work with us. Had someone outside our house weekly to see if it was cared for I guess. Would not modify or work with us on any modification. We sold our home and moved out of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} I contacted this company no resolution made. On XXXX Fifth Third Bank stated XXXX had an balance from a car I never purchased in the amount of {$47000.00} XXXX contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXXXXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX XXXX which is affiliated with Fifth Third also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX Im Having A Problem This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXXXXXX XXXX XXXX  - open XX/XX/2023 XXXX  XXXX XXXX  open XX/XX/2023 XXXX XXXX XXXX  open XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 Pursuant XXXX XXXX XXXX XXXX Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Debt collection

I have reviewed my credit report for just short of a year and have noticed multiple accounts listed for XXXX XXXX. I have made several attempts with the credit bureaus to get these unverified accounts removed with no success. Each dispute returned that XXXX XXXX verified the debt. I sent a certified letter to XXXX XXXX to investigate the accounts as well as requested the contractual agreement I entered with this company, statements and communication sent to me by this company that could substantiate what was being reported on my credit profile. To date this information has not been supplied and my request ignored. This company entered into bankruptcy during the time in which they state these accounts originated with them. There are multiple discrepancies with these reporting accounts thus the reason for my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX /Experian ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with Experian on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Equifax has committed multiple violations of my consumer rights. First, these accounts were reinserted into my credit report without providing me proper notice as required under 15 USC 1681i ( a ) ( 5 ) ( B ). The Fair Credit Reporting Act mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days, which did not occur in this case. This failure to notify me constitutes a breach of my rights under federal law. Second, the disputed accounts are not reflected in my reports with XXXX and XXXX, raising serious concerns about the accuracy and reliability of Equifaxs reporting practices. Under 15 USC 1681e ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information in credit reports. Reporting accounts that are inconsistent with other credit bureaus violates this standard and undermines the credibility of the data Equifax provides. Furthermore, these actions may constitute willful noncompliance under 15 USC 1681n, which holds credit reporting agencies liable for knowingly violating the FCRA. The lack of proper reinsertion notification and the inaccurate reporting of accounts demonstrate gross negligence in adhering to the law. These violations not only affect my credit but also violate my rights as a consumer to fair and accurate reporting. I expect immediate corrective action to address these violations and a full investigation into XXXX failure to comply with the Fair Credit Reporting Act.
Product: Checking or savings account

For over 15 years i was a client of Sun Trust. Once the bank change and merge with the other bank everything changed, I had an account by myself. My personal account was hacked, I have made that clear to everyone i have spoken to at Truist. 
Someone in XXXX hacked my account, The bank then goes in a freezes my account. 
So no other funds will be compromised. I then find out that Truist goes into my joint account that had NOTHING to do with this and they froze that account and closed it.

They ( Truist ) took {$1400.00} dollars for my joint account. I called and went to the local branch, and they turn around and say that i knew about the fraud!

Them freezing my joint account which was used to pay my normal bills, turned into a complete disaster, The more i pleaded my case with them, the more they did not assist.

My understanding they are insured for this type of issues, along with if there system was working properly it would not have happened. I have submitted complaints on line to the bank and i have recieved XXXX information, besides they do not want us as a customer any longer. I have and will continue to post comments about them on social media until my issue is resolved and my {$1400.00} is returned to me. How can i file a formal complaint and charges against the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all 3 negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for GMXXXX Financial and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


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

I sent a letter dated XX/XX/21 about inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and my disputes ignored. According to section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. You have failed to do this. Accordingly, the items should be deleted from my credit report promptly. I demand that these items be deleted immediately or I will litigate due to the untold stress it has caused me. My information was also impacted by the Equifax data breach which has caused me untold, personal and great agony. Im afraid my information may have gotten into the hands of the wrong person.
Product: Debt collection

Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I Googled XXXX XXXX XXXX to get an 800 # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating XXXX filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from XXXX XXXX XXXX on any of my 3 credit reports, nor anything from Synchrony Bank on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, XXXX purchased from an old Synchrony Bank credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount XXXX says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This XXXX XXXX XXXX representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.
Product: Debt collection

On XX/XX/2020, I received XXXX letters from American Coradius International ( ACI ) LLC dated XX/XX/2020. XXXX letter was addressed to me and stated they are trying to collect {$610.00} on behalf of XXXX. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of XXXX ( see attached documentation ). After contacting XXXX, I was told that neither of these charges came from their office and the account number associated with ACI 's claim does not exists. Additionally, ACI has used both our middle names, which is not listed in any account information with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following errors on my credit report with Experian for years. There results keep coming back verified. I have also contacted the original creditors and ask that they send me the contract and agreement o had with them, they have not send contract or agreement because i never done business with them or benefited from there services 1, XXXX XXXX   # shows chargeoff 2. Social Security Adminsration show collection chargeoff The above accounts do not belong to me. Please help me solve this conflict
Product: Debt collection

Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.