23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is Capital One letter stating account ending in XXXX was not displayed on my credit report Attached is XXXX  credit report reflecting : o Capital One Count starting as XXXX, {$1700.00} Balance o Another XXXX  credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The XXXX  credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also
Product: Credit card or prepaid card

This is about the charge by XXXX XXXX XXXX  On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.
Product: Money transfer, virtual currency, or money service

I signed up with Beyond Finance to help me settle with my credit cards after my divorce that caused the debt. I understood how they work but they gave me misleading info about contacting my creditors. I thought that they will let all of them know that they working on my behalf to help me settle. What I found out they only contact one creditor and I couldn't even find where the rest of the debt was. After researching everything I found out that they were in collection and didn't know that I am doing something about the debt. When they settled with one creditor, they were so happy to tell me but I found out that they made all the payments to cover the settlement agreement but the last payment they made was on the wrong date and the settlement was terminated as stated in agreement with my creditor. The creditor stated in the agreement that they will accept the settlement but payments must be made on certain dates or the settlement will be terminated. I have been calling them about it right away so they can fix. It started in XXXX and now is XXXX and nothing has been done. 
Beyond finance lied to me they tried to make a payment on the right date but there is no record with my creditor that they did.
Product: Money transfer, virtual currency, or money service

I bid on a piece of heavy machinery at an online auction XXXX and won. I provided my driver 's license number and wired {$26000.00} dollars on XX/XX/2023 to a Wells Fargo account under the name of XXXX XXXX XXXX XXXX XXXX I received an invoice and shipping information but never received equipment. At first the representative for XXXX XXXX answered the phone and made excuses for why it wasn't shipped. I asked for a refund, and he said it would be back in our account in 24 hours. Then he stopped responding. I never received a refund or the equipment. I immediately asked for a wire recall be done through my bank ( XXXX ). Wells Fargo originally said that our wire was received and called me because they thought it might be fraudulent. They told us the money was in the account and should be able to get it back. Then XXXX and myself neither one were able to get any info further from Wells Fargo. I still do not have the purchased equipment or the money back.
Product: Debt collection

Fair Debt Collection Practices Act This law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections : It prohibits debt collectors from using abusive, deceptive, and unfair practices such as : Using abusive language or making threats. 
Using the telephone to annoy you. 
Contacting you at inconvenient times or places. 
Misrepresenting themselves to you. 
Threatening a lawsuit or other action that the creditor does not intend to take. 
Collecting more from you than you owe. 
It establishes the procedure for debt collection : First, within five days after the debt collectors initial contact with you, the debt collector must send you a statement of the amount you owe the creditor, and what action you can take if you dispute owing the money. 
Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector can not make further collection efforts until it sends you proof of the debt. 
Third, the debt collector can not collect for any debt that can not be verified. 
It limits debt collector contact with third parties ( except to locate you ). 
It requires that if you owe several debts, the money you provide must be applied as you wish. 
Investment retrievers placed an acct on my credit report without my consent. Also has called multiple times during times that I'm at work I asked to be removed from their system as I do not have an acct with them. They have called and threatened me saying they are in the middle of filing a lawsuit. They are a third party agency collecting for Freeway funding and they both have an account on my credit with two different amounts and Repos. They are affecting my credit and life.
Product: Credit card or prepaid card

this is another credit card that i did NOT open i have tried to call the bank but there are not picking up pls cancel this and make this sure that i do not have to pay anything as i did not authorize this at all pls help
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently diputed this same information on XX/XX/2020 and they continue to report the inaccuarte information and it's a false representation of me.They are setting me up for possible identity theft.
Product: Student loan

AES sold my private student loan to another company XXXX XXXX  without telling me. Then this guy throws it in my face about a purchase for a vehicle and I should be able to pay for the 40 % increase in funds needed to satisfy my loan. I never knew he made the inquiry nor the increase in monthly until I paid my old amount and that was not enough and considered a late payment with fees on top of the already increased monthly total. I paid this loan for 3 years and had paid more than 20 % ahead of time and then AES sells it to another company who increases everything. This was plain and simple extortion. It was completely hidden from me and then this man was threatening me via text and on the phone describing my purchases. I make a purchase that is my buisness and obviously I was able to make it. You should not be able to base my loan amounts monthly payments on what purchases I make. They are doing reverse income payment on me. I made all my payments for 3+ years and paid down almost 10 years on the loan so AES sold my loan to a shady company that more than doubled my loan by increasing interest more than 10 % and my monthly amount by 35 %. NEVER DO BUISNESS WITH AES there are other ways.. They are an extortion company with illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I mailed off a letter to all 3 credit agencies. Within the letter I asked them specifically to investigate many accounts and made them aware of the inaccuracies. I also asked them to remove many of the hard inquiries for a specific date as its related to the same issue and the laws state I can only have one hard inquiry affect me when its for the same usage, in this case it was car shopping. Today marks the 45th day since I sent the letters which is in regulation with the FCRA time frame. I received letters from XXXX and Transunion stating everything was complete. After receiving these letters, I checked my credit report and still found several inaccuracies. This is willful noncompliance. According to the FCRA any inaccuracies should be corrected or deleted.
Product: Debt collection

I have a collection on my credit from MEDICAL DATA SYSTEMS Inc on XX/XX/2023 for {$7000.00} that should not be there. I believe its a hospital bill. Far as my understanding that violates HIPPA laws and working in XXXX I know that their is no one else other than the hospital that should know why I was in the hospital and/or how much I owed without my consent especially considering I did not receive letters & is not a medical facility that gave me treatment!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX I have attempted to Dispute the above accounts with Experian, XXXX, and XXXX. These accounts should not be reporting under my name because they are not mine and I did not authorize them. I ask that these accounts be deleted immediately from my credit reports.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act Synchrony Bank, has violated my rights. 

15 US 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I got a hit notification from credit wise that there was a change to my credit report and an XXXX XXXXXXXX had a report on my credit and I have never applied with anything for them their website is sketchy I go to Weathers no contact us or anyway to discredit this
Product: Credit card or prepaid card

I am a victim of identity theft. My daughter stole my ID and credit cards and took out cash advances and loans. We do not look alike they allowed her to sign my name and take the money. I have provided them with a police report and my hand writing showing them it was not me.She took a XXXX dollar cash advance on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a fraud complaint with XXXX XXXX XXXX XXXX The following account listed doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

While checking my credit reports, I noticed a collection account from XXXX XXXX, I have written to this company several times asking them to validate said debt and have not received any correspondence back from them. This negative account is affecting my credit.
Product: Checking or savings account

CITI Group recently sent me this response to an inquiry about credit services : " Citibank , N.A . 

XX/XX/2018 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX, SD XXXX Dear We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding Citis U.S. Commercial Firearms Policy. 

We have a deep respect for those on all sides of this important debate. Consumers may legally purchase a firearm with a Citi credit or debit card. In addition, there are millions of Americans who use firearms for recreational and other legitimate purposes, and we respect their Constitutional right to do so. Thank you for sharing your views, we appreciate your feedback. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE '' My question now is does CITI Group continue to provide banking/credit card/loan services to " business '' that manufacture and/or sell guns to the public? Thank you.
Product: Credit card or prepaid card

I signed up for XXXX XXXX  AAdvantage MasterCards, issued by Citibank, that earned XXXX XXXX miles for spending on the cards. XXXX XXXX recently terminated my frequent flier account, unilaterally and without warning, claiming that my miles were earned fraudulently. They offered no details to support this claim, and offered no opportunity for me to challenge the decision. They confiscated over XXXX miles which represent a commercial value of approximately {$5000.00}.

Since my miles were earned primarily though the CitiBank credit cards, via an arrangement Citi has with XXXX, this violates the card agreement between CitiBank and myself. I abided by all the terms of the Citi cards and they provided those miles as an inducement for my business. XXXX then stripped those rewards- Citi should be responsible for replacing the value lost.
Product: Checking or savings account

XXXX XXXX advertised a bonus for opening up an account, Performance 360. The promotional bonus was available until XX/XX/XXXX. I started the process on XXXX, however, after many attempts to complete the application and calls to the call center I was unable. 

The problem was finally diagnosed today. They had an incorrect birthday for me in their system from a 10 year old ING mortgage, and so my application was being kicked out due to lack of match of my birthday year. 

Today, they processed a correction, but said it would take 3 days for it to process. That is not a reasonable amount of time. Most importantly, it would put me outside of the window for the promotion, which ends on XX/XX/XXXX. I started calling them and talking to them on XXXX, so I asked for an exception to extend the promotion for me, which they refused. I spent 1 hr 40 minutes on the phone with them today alone, and had previous conversations and misdirections. They wasted so much of my time for no reason and caused me to miss the promotion. When I asked for an extension, the supervisor said we had the promo since XXXX, you should have applied earlier. That is not right. If promo is available until XX/XX/XXXX, I should apply when my situation is such that I need a savings account. I was not in the market for one in XXXX.
Product: Debt collection

Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.
Product: Student loan

I have a student loan with the XXXX XXXX of Philadelphia. This school no longer exist and they have a pending lawsuit for fraudulent transactions. My mom and I did not know that we signed for private student loans and this has been a disaster. The lender I use to have that serviced the loan was XXXX XXXX XXXX and now the loan was sold to another company called Launch Servicing. I was able to go on an income based plan with the old lender, which was helpful. This new company Launch Servicing refuses to put my me on a income based plan when I specifically told them I can not afford the payments. Ive asked them if I can reach the lender directly to work something out, and they refuse to give me the number. They said the lender doesnt offer any other plan besides interest only plans. This is a tough time and I cant understand why I have to pay for a loan with a school that is now closed for fraud. There should be a better option for me to make my payments.
Product: Vehicle loan or lease

I cosigned for my brother to get a vehicle. The lending company we had to go through was Credit Acceptance. My brother stopped making payments and put the truck in repossession. They keep reporting late payments on my credit report. I've given them 3 locations for where the truck is and they still have not repossessed the vehicle. I was told that I can't hire someone to repossess the vehicle but yet I'm still responsible for the loan. My credit is getting trashed every month and I have no legal recourse for turning the vehicle in. I tried to do a voluntary surrender and Credit Acceptance said that my brother has to consent to that as well. Even with the truck up for repossession. I've offered to pay half the loan if removed from the loan contract and repair my credit. I was told that's not an option either. I'm nowhere on the bill of sale, title or registration but being wrecked credit wise with no way to fix this. I seriously need help with this or directed towards an attorney that can help
Product: Debt collection

Unauthorized disclosure of Private personal information such as social security number was reported to credit bureau. Bank account garnished
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.
Product: Credit card or prepaid card

They contacted me to collect that money and in the letter the date is XX/XX/2021. 

They opened a credit card account in my name and it is not mine. I've never had that card. The person used it and as of today they are charging me the amount of XXXX with the Chase Bank. I have already written to them indicating that the account is not mine. I have had to freeze my credit in the accrediting agencies because this is the second time they have done the same. The account ends in XXXX is the only thing I know. I will appreciate your prompt intervention as this situation is already affecting me emotionally.
Product: Student loan

I have had several student loans that I have paid on consistently for several years ( almost 15 years ) other than the two years I was in XXXX XXXX. I kept wondering why my balance wasn't going down. I originally started with XXXX XXXX XXXX, those loans were then bought or sold to ACS, which I paid for several years. I even have income tax returns that show interest paid and claimed for those years, yet on the federal loan services database, it does not list them as a lender ever on my loans. What happened to the money I paid to them during that time? I've even had loan forgiveness of {$5000.00}. Have qualified for grant money from the state for {$5000.00}. I still can not fathom how I still owe {$19000.00}. I even paid extra on my loans for a long time, until I realized that doing that hurt me when it came to loan forgiveness programs. Please help. When I called XXXX XXXX to try to figure out what was going on, they actually told me I needed to contact the ombudsman office of the XXXX XXXX XXXX  office. Please help, I am trying to figure out what happened to the money I paid to ACS. I have recently read several people that had similar problems with payments applied incorrectly. Now I've learned that the federal government cut ties with ACS and it was because of their practices.
Product: Mortgage

Trying to get loan modification for lower rates to no avail. I keep sending same info, they keep asking for. I tried to make payment until loan approved but they do n't allow that. This puts me in the foreclsure process instead of helping. I 'm currently at 7 % when other places are half that rate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} Vacation Villages XXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE
Product: Credit card or prepaid card

I was searching for plane tickets and went through different websites. I was in one and didnt submit the purchase but realized that it was went through the my credit card. I immediately called the Bank Of America costumer service. The person on the phone said dont worry it will go away. If not we can dispute it. And I bought another ticket and went out of country. I t was always in my card and didnt go away. When I am back to USA I filed a dispute and they paid me the money. After a couple of months they recharged me the money. And their costumer service was so unreachable. I have spend hours on the phone and still couldnt get the supervisor. They were not helping me to connect with them. Anyways they charged me the XXXX $ for nothing.
Product: Credit reporting or other personal consumer reports

Please look at Experian CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX XXXX to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.