23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I emailed a cease and desist letter to rushmore on XX/XX/XXXX. It was received by them. I resent it on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have continued to receive calls both to myself AND to my employer. On the last 2 occasions that XXXX from Rushmore contacted my employer he left a message with my employer stating that he was calling from Rushmore to discuss my account and that it was important that I called him back. Each time I emailed Rushmore and reminded them that I am NOT allowed calls to my employer, plus that I wanted email or postal mail, to cease and desist calls and that I would like assistance in figuring out how to clear my account since I am affected in work hours by COVID19. They have not adhered to the cease and desist and they continue to ignore my email requests for a response of any ways I can settle my account.
Product: Checking or savings account

Bank neligent in customer service and handling of disputed charge which has now caused me a severe lost Bank of america promised that they closed my card and no further charges were able to come in. After a XXXX charge did come thru rep told me that prior rep didnt actually closed the card and she messed up. I told him charge should have never been because card was supposed to be closed. Instead he issued a dispute on the charge and removed it. I never heard from the bank and charged reapeared and wreked havoc on my account. I called XXXX XXXX and a woman apologized that i was not notified about answering the dispute and she would try to remove on that day and at worst 2 biz days and i would not have to worry about overdrafts. It wasnt reversed and now i have overdrafts hitting the account and lost my salary in a transfer to it. I called and was told that the woman was wrong to tell me these things! I was told i need to submit a written response. They sent the original demand for a written response to my listed physical address not my mailing address listed on my account. This guy tells me we dont pay attention to that in this matter!!!! Repeated that it didnt matter what my mailing address listed! He would not help me further in the mean time i am getting overdraft blizzards and i dont have money for groceries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to Equifax, XXXX and XXXX XXXX specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.
Product: Prepaid card

On XX/XX/XXXX I disputed {$300.00} that was charged to my card on XX/XX/XXXX by a hotel 2 days AFTER I had checked out. I contacted the hotel and no response. When filing the dispute with Netspend I included a receipt showing proof I had rented a hotel room on XX/XX/XXXX at a different hotel, 2 days prior to when the charge was made without my consent. I also included a letter given to me by the hotel that fraudulently charged my card XXXX on XX/XX/XXXX, asking that I vacate the hotel by XX/XX/XXXX. I provided documentation clearly showing I had vacated that hotel 2 days prior to when the charge was made without my permission. I was treated very rudely when inquiring about the provisional credit due to my complaints regarding customer service/lack there of. I received the credit within 10 days. XX/XX/XXXX after finding in favor of the hotel the XXXX credit was reversed and taken back from my account. After viewing the documentation provided by the Hotel to Netspend it became clear that Netspend was grossly negligent in their investigation considering the documentation not only said I paid in cash, but that I was to checkout in XXXX. Then included a receipt I signed in XXXX, dated XXXX. Absolutely nothing was provided to justify the XXXX charge. Where I on the other hand provided clear documentation proving I had vacated that hotel and paid for another hotel 2 days prior to when the charge was made. Netspend also waited from XX/XX/XXXX when I disputed to the end of XXXX to close the investigation despite the fact they received the documentation from the hotel the following week of my dispute, with no further information or investigation. Why Netspend chose to allow this hotel to steal my money and disregard the documentation I provided, to find in favor of the hotel due to documentation they provided, that clearly held no information to show justification for the charge. Netspend has refused to give any further attention to the theft and any fair resolution on my behalf as a customer since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  I purchased a  XXXX   XXXX   XXXX  from  XXXX  but end up getting finance thru Santander.   My original loan amount was for  XXXX  according to my credit report.   Back in  XXXX  Santander offered me settlement amount due to non-payments and becoming  XXXX   XXXX .   We both agreed if I pay the amount by that specific day (  XXXX / XXXX / XXXX   ),  it will be a "  XXXX  '' balance and deleted from all  XXXX  credits bureaus as paid and closed due to my disable situation.   I paid the settlement offer that same day on  XXXX / XXXX / XXXX  and they told me that they receive payment and also sent me a letter and they told me it will be closed and deleted on my credit reports within 30 days  ( that never happened ).    I been calling them for weeks lately and asking why is this still showing up as a charged off and not being deleted like I was PROMISED.   ALL The representatives that I am speaking too, keeps transferring me to many different departments and representatives, " NOT '' solving the problem and can not answer my questions.   NO ONE seems to have a answer for me, all they keep telling me I NO LONGER HAVE ACCOUNT with  Santander  and that my ACCOUNT IS CLOSED.   So if this is the case, why wont they delete this off my credit report like they agreed to do, and everyone I am speaking too keep telling me the account is PAID AND CLOSED upon their records, but that is not what is being reported on my credit report and the FCRA states its suppose to be true and accurate information on what was agreed between the company and I.   This company is very DISHONEST, RUDE and has lack of customer service skills!!!!
Product: Credit card

Unauthorized inquiries on my report from Chase Bank credit cards. I was told that one back in XXXX was going to be removed this month. Not only is it still there, but there is another one now! I also have a fraud alert on my file and did not receive a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try contacting company did n't comply with remove inquiry from my
Product: Credit card

I have a Citi Thank You card that has had fraud activity on it several times in the last 6 months. The fraud activity is always for the same amount and same place in XXXX. Each time this has happened, I have had to close the card and am issued a new card. I have had XXXX cards since XXXX 2016. The most recent card sent to me ( my XXXX card ) due to fraud activity was activated on XXXX XXXX, 2016. I had it for less than two weeks before there was fraud activity on it. I had to close it was issued another card ( my XXXX Citi Thank You card ). I have not used the card since XXXX 2016 for a doctor 's bill. The card is not registered at any online sites. Yet, this fraud activity still occurs. When I spoke with Citi regarding the most recent activity, I was informed that once I activate the card, I could call and consolidate it with my other Citi card and close the Thank You account. So I did that. But the rep that I spoke to told me that she could n't do it but I could call back on XXXX XXXX, 2016 between XXXX a.m. and speak with a supervisor who could make changes to my account. I called and was denied speaking with a supervisor and was told that a supervisor was unavailable. I called back and was informed that supervisors who can make changes on accounts are only available between XXXX XXXX. This is in contradiction to what I was originally told. I keep getting the runaround and no one is willing to help me. I 'm tired of having to close my Thank You card and activate another one every month or so because of some issue with Citi 's security.
Product: Credit card or prepaid card

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XX/XX/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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK, Inquiry : XXXX XXXX, 2019, XXXX XXXX, 2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

In XXXX of 2018 I opened a checking account with Bank of America. I received a targeted promotion on my online credit card portal, which is what prompted me to sign-up for an account. If you met a minimum deposit amount within 90 days you received {$200.00}. 

I linked my direct deposit to this account, and qualified for the promotion. I knew the deposit of the bonus check would take time, so I waited for the sign-up bonus deposit. In XXXX of 2018 I called the Bank to inquire about my cash bonus. The representative told me that I had qualified and the funds would be deposited in my account within the terms of the agreement. ( which had not passed ) She said the bank still had time to deposit. I think it was 90 days, after you qualified. She was correct, so I said, " ok ''. At the end of XXXX I had not received the {$200.00} deposit into my bank account. I called them again, and the representative now said they could not find the promotion I was referring to. She escalated the issue, and said I would have a response within 30 days. Once the 30 days had passed, and I received no response I called them again. I talked with another representative, she said that the case was concluded, and I should have received a check. I specifically asked her if the case had been resolved, and what the decision was. She said " Yes '', " the conclusion was to issue your {$200.00} bonus ''. She instructed me to call another bank department because the 30 days had passed. This department would send the check. I called this number, this representative told me that I did not click on the proper link and that the bonus will not be paid. When in fact the way I signed up was through my credit card link, that said " sign up for {$200.00} ''. 

They have continually told me I was successful, but refuse to pay the bonus check.
Product: Credit card

I have had XXXX credit cards opened without my knowledge this past month. XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX credit card balance increased by {$610.00} from {$0.00} to {$610.00}. Since then my credit score has went down XXXX points. I have never opened these cards and am worried they know my social security and are able to open more cards on my name.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed the above-mentioned item through XXXX XXXX, and they attempted to reach out to XXXX. However, XXXX has failed to respond to this dispute. The case number from XXXX XXXX is XXXX. I have not received any written response from XXXX to date, which is now XXXX calendar days past the initial dispute. 
This failure to respond violates Section 611 of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that credit reporting agencies complete their investigations within 30 days. I am attaching documentation from the courthouse that supports my claim that the XXXX  XXXX Bankruptcy information is inaccurate. On XX/XX/year>, I was denied a credit application from XXXX due to the erroneous bankruptcy reporting on my credit report. I have a copy of the denial application for reference.
Product: Money transfer, virtual currency, or money service

The company is Venmo. 

When I attempted to a pay a vendor on XX/XX/2023, Venmo froze my account and requested government issued photo ID in order to unfreeze my account. I immediately provided an image of my ID. When I contacted Venmo the following day ( XXXX XXXX, XXXX  ), I was told that I would have to wait XXXX business days for the review process, and that the review process hadn't started as my issue had yet to be assigned to a XXXX. I was then informed by " XXXX '' ( the Venmo customer service representative ), that I would also not be allowed to access the funds in my Venmo account ( $ XXXX ) until the review process was complete. 

The Venmo customer service representative offered no way to expedite the review process, but did agree that freezing my money was unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to Equifax on XX/XX/2021 in regards to a collections account that was reported on credit file. This was removed in XX/XX/2021 and re reported on XX/XX/2021. This is incorrect information as the collection agency XXXX sent a letter that it has closed and requested it be deleted from Credit Agencies. Equifax is in violation of FCRA. Subject to XXXX USD fine. This item was reinserted on my credit In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Student loan

I was approved under the General Forbearance XX/XX/2016-XX/XX/2016. Although I have documentation supporting the facts from the service provider ( Fed Loan Servicing ) of the approval they are reporting me late for XX/XX/XXXX, and XX/XX/2016. XXXX, and XXXX updated my credit report manually since I provided the documentation and filed a consumer dispute. however each month Fed Loan Servicing is repeatedly reporting the late payments which in return has caused my credit score to suffer tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX Account Number XXXX XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy. 

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I start a create monitoring account with Experian that was free for the first month and {$25.00} per month thereafter. I have been charged for multiple months and would like to cancel the account. Experian does not permit cancellations online or by email. I have tried multiple phone numbers associated with Experian customer service and have been unable to successfully cancel. During one call, I wanted on hold for more than 2 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a collection account on my XXXX credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.
Product: Debt collection

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or i shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that these accounts and inquiries be removed as they are fraudulent and part of an identity theft investigation. The consumer reporting agencies have refused to do so in the last 60 days. I have also filled out an affidavit with the FTC. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX XXXXXXXX ( 4 different acounts total {$530.00}, {$1000.00}, {$430.00}, {$1200.00} ), XXXXXXXX XXXX XXXX XXXXXXXX {$7500.00}, XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX {$2400.00} 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 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

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I purchased a home and refinanced an existing home with Dovenmuehle Mortgage Company. Both homes are on the same insurance policy. Dovenmuehle Mortgage then sold one of my loans to another company. Dovenmuehle Mortgage is still charging me for insurance on 2 houses, instead of one. Situation in numerical form : Cost of Insurance : {$4000.00} What Dovenmuehle is charging me : {$4000.00} What new mortgage company is charging me : {$2000.00} Therefore, I am paying {$6000.00} for a {$4000.00} policy. Dovenmuehle refuses to correct the issue and just keeps sending me a breakdown of my escrow account and assuming that I can't comprehend the purpose of an escrow account. 

Dovenmuehle Mortgage Company caused this issue, therefore, they need to fix this issue. They are wasting my time and my money. My mortgage payment has increased by {$800.00} per month because of their error.
Product: Payday loan, title loan, or personal loan

XXXX is offering personal loans as described below : " XXXX PERSONAL LOANS NO ORIGINATION FEES. NEW RATES AS LOW AS 6.49 % * '' I applied for this loan, however, was offered 9.99 % rate. When I called and inquired as to why I wasn't offered the advertised rate ( my credit score typically ranges from ~780-820 ), I was told that was because I'd need an 830 credit score to qualify for that rate. When I complained that I felt what they were doing was false advertising, they argued that credit scores go up to 950. This is very much a lie. Being in the XXXX XXXX, I quickly queried a database of 150,000 mortgage applicants, of which only 4 had over an 830 credit score, with the highest credit score being an 840. Based on my data, less than .0026 % of credit worthy applicants have an 830 credit score or higher. I personally feel that advertised rates where less than 5 % of the population would qualify for, borderlines on false advertising, however, what PenFed is doing is significantly worse. 

In my opinion, XXXX is advertising a rate that virtually no one qualifies for, which is very much false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/ 2018 I sent a dispute letter to the Credit Bureaus, XXXX, XXXX, and EXPERIAN, and they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Equifax to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.