23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Discover card account. The bill for this account was allegedly due on XXXX XXXX, 2016. On XXXX XXXX, 2016 between approximately XXXX and XXXX ( MDT ) I received 7 phone calls, one immediately following the other from a Discover representative. I called Discover at approximately XXXX to determine why they had called me multiple times in a row. The representative proceeded to inform me that I had allegedly missed a payment for which I do not recall receiving a bill, and that they were " concerned ''. She then explained to me that Discover has an automated dialing system that initiates these repetitive calls. She then " reassured '' me that the calls would stop if I made a payment over the phone. To my knowledge, this behavior was a blatant violation of the Congressional Act concerning fair practice in debt collection. Additionally, it constitutes harassment under most state criminal codes. Finally, I believe the statement that the continued, automated, repeat phone calls would stop only if I made a payment at that time is grounds for blackmail. Discover Card is a huge, multi-national lending corporation with plenty of regulatory compliance staff at its disposal. Therefore, their behavior was in willful and intentional disregard for the laws established by our federal and state governments. I hope with this information, you can find them accountable for this blatant flouting of the law in order to protect other financial consumers. Obviously, litigation is often not the most effective way to solve problems ; however, if you were to require standing for a cause of action, I was on the phone with them for approximately 30 minutes and my time and skills are worth at least $ XXXX/ hour on the private market. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of identity theft, which has led to several fraudulent entries on my credit report. These 2 unauthorized accounts and 7 inquiries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already submitted a formal report to the Federal Trade Commission ( FTC ) regarding this incident and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Checking or savings account

I opened a bank account at US Bank on XX/XX/2021 based on a promotion offered me in the mail to earn {$300.00} if I kept {$3000.00} in that account within 30 days of opening the account. I deposited the funds in my account on XX/XX/2021. I also had to enroll in their mobile app within 60 days of the account opening. I downloaded the app on XX/XX/2021. Despite meeting all the requirements of the promotional offer, I have not been given the {$300.00} in my checking account. I have reached out to the representative who opened my account, but he has no answer for me.
Product: Checking or savings account

I was charged a {$10.00} fee for not meeting the monthly requirements of a {$500.00} daily balance on XX/XX/year>. However, {$500.00} was deducted on XXXX meeting the requirement for that day. Regardless, I am requesting a one time courtesy of the {$10.00} fee to reimbursed and as a result of this, I want to close my account effective XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover financial Serv - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Merchants Credit Giude to dispute a debt. I requested a copy of the bill and was told I needed to contact XXXX Hospital. I did just that twice and no bill was ever sent to me. I contacted the creditor again and was told that my account would be placed on hold and would not be sent to collections. When I disputed the bill through the credit bureaus, it was reported as accurate. It is on recording that it would not be sent to collections. No one will listen to the recording as requested.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX My friend sent me a Money Transfer using moneygram with her debit card sending to me thru my debit card. Usually this transaction takes around 15 to 20 minutes to show in my bank account. Money was taken from my friend 's account but i never arrived to my account. We wait until next day, and they money never appeared in my account, so we proceeded to file a claim with MoneyGram. 
After claim was filled, until today XX/XX/XXXX we have no answer from Moneygram, they said it can takes until 90 days and there is no reason for that. My friend wants to cancel the transaction to get a refund and Moneygram dont want to do the refund. My friends tried with the bank, and bank asked her to request to Monegraym the policy where shows it can takes 90 days, but Moneygram refused to send that policy, like that she can submit it to the bank, and bank can cancel the transaction.

I was expecting that money to pay my rent, i can lost my aparment beacuse i did not paid my rent beacuse moneygram has my transaction in the air, and we dont know when it will be resolved. Is not fair to play with somebody's life like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am submitting this formal request/complaint regarding the accuracy of reporting of my monthly payments to my Barclays Credit Card, account number XXXX ( the Account ). I have received and reviewed my current credit report. The pay history reported on the Account, reflects a Delinquent 120+, current late date of XX/XX/XXXX 150+, six times 90+ days late, 1 time 60 days late and 1 time 30 days late. My monthly payment is a monthly auto draft from my XXXX  XXXX XXXX checking account number ending in XXXXsee attached ). As the payment history reflects, I have made timely monthly payments to my account for at least the last 13 months ; I could prove more if needed. It is obvious that I have not been late with my payments at any time. In addition to the incorrect payment history, there is {$15.00} charge, which I do not owe, but recently paid in an attempt to close out this issue and fix my account history.. This gross error in reporting has caused a substantial negative impact on my credit score. I have contacted Customer Service, to no avail, to rectify this situation. I am in the process of refinancing my mortgage and unable to move forward due to the derogatory credit reported on the Account. This inability to refinance my mortgage will cost me a substantial amount of money in interest charges. I am therefore submitting this written request/complaint to rectify this situation and demand that the correct pay history, on the Account, be reported to XXXX, XXXX and XXXX   immediately. 
Best regards, XXXX XXXX XXXX
Product: Debt collection

Since XXXX 2021 I have been contacting this company via letter regarding my issue. HIPPA was broken when speaking with a representative! I did NOT sign HIPPA forms to authorize this company to access my medical records. Therefore HIPPA was violated and I am seeking legal action if the issue isnt resolved! The bills are in the amount of {$1900.00} & {$720.00}
Product: Credit card or prepaid card

I purchased an XXXX on XXXX online store using Apple Card. Total amount {$1000.00}, with a trade-in worth {$400.00} I was only charged {$690.00} plus taxes. 

Soon I returned the device and cancelled the trade-in, XXXX refunded me, on my card showing they refunded me {$690.00} plus taxes, still fine at this point. ( Attached please find the two monthly statements showing the charge and the refund ) Later Apple charged me {$400.00} for the cancelled trade-in. I asked them why they said they refunded me {$1000.00} plus taxes, not {$690.00} plus taxes on the date of return. They said if I only received {$690.00} plus taxes then there must be some issues on the bank side. Then they provided me a credit memo to back up their claim ( they refunded me {$1000.00} plus taxes, see the attached file ) I reached out to Goldman Sachs multiple times regarding this issue, although the customer service seemed to provide some help, it is never resolved eventually. Dispute was rejected and they are still overcharging me at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Transunion ONCE AGAIN VIOLATED MY RIGHTS AND I AM AT WITTS END. I sent a notice letting them know the information reporting on my credit file is inaccurate and I demanded a complete and thorough investigation of how they concluded the information they are reporting is true and accurate. A few days later, they ADDED YET ANOTHER INNACURATE NEGATIVE ACCOUNT to my consumer report without my written permission per 15 USC 1681b ( a ) ( 2 ). This account is from XXXX XXXX XXXX for {$120.00}, whom I have NEVER did business with. I don't owe anyone money and I am sick and tired of Transunion navigating as if they are above following the law.
Product: Checking or savings account

US bank wrote in their response to me regarding CFPB complaint XXXX that their bank account agreement allows accrual of fees and that they already refunded certain fees a few years ago to me, back in XXXX. 

This is to emphasize the solution for return of fees from a few years ago applied to the issue from a few years ago. This new issue concerns XXXX fees and request for refund of XXXX fees. 

Also, I state even though US Bank practice to assess fees is in their account agreement, the practice is wrong ( possibly illegal ). As such it should not be part of the agreement. This is especially so if the transactions are not honored. Namely, if US Bank rejects a transaction, we are not being given a service but we are being charged for and end up paying the fees. This is wrong. 

It is also wrong and bad customer service to not provide such a service consistently ( if allowed to be offered as is ).  Honoring some transactions and returning others messes up with our business operations and makes us financially illiterate. Plus, it is costly and overall a bad customer service. Possibly illegal. 

US Bank states their service accounts of certain type can reject transactions that go into a negative but would still charge a service for it. My goal is to pay for services that I do receive and receive them consistently. Returning transactions that would go into a negative is not a service as these transactions are transient and do not draw on US Bank funds for support.
Product: Checking or savings account

on XX/XX/2018 I purchased a set of eyelashes priced at {$45.00}, after I used my debit card to make transaction I realized that the company had included 2 add on products not requested to my transaction. I sent my first email right after I made the transaction and seeing the charges went up to {$81.00} at XXXX XXXX, after that I must have sent like 7 or more emails with no response. The company 's name is XXXX XXXX XXXX their customer service email is XXXX. I did my own investigation on their XXXX page and as I started to read some of the customer 's comments I saw a few people with the same situation. they were over charged for no reason with no refund. The company does not have a customer service phone #. My order # XXXX. my expectations are to get a refund and have company be investigated.
Product: Mortgage

I am a hard working tax paying citizen who had my income and livelihood disrupted by Covid 19. I have owned my home for 22 years and am now on a path to foreclosure because when my loan got transferred to Fay Servicing they refused to follow the protocols and guidelines set forth through the government mandated CARES forbearance, instead demanding full reinstatement. The agents at Fay Servicing are not very nice. I explained my situation and asked for help and they were not helpful, instead they were very condescending, making me feel like I am a loser because my job and income were devastated by Covid.

I have worked as a home inspector for 10 years and had no problem with my mortgage payment until the pandemic hit. People did not want me coming into their home and around XX/XX/2020 my business tanked and shut down. When I contacted the previous servicer XXXX XXXX they were understanding and said I could take up to year for forbearance and they would put the delinquent amount at the end of the mortgage as part of CARES act. After six months I was back to work and they put the payments back into the balance of the loan and they lowered the interest rate to make the payment less. I made the restructured payment for almost a year, and then I got sick again with XXXX and could not work. I contacted XXXX XXXX and they gave me a second six month forbearance. I assumed that it would be easy to recapitalize the late payments the second time like they did the first time, but then the loan got transferred to Fay Servicing. 
When I attempted to resume making mortgage payments Fay told me the only option was full reinstatement. I told them that XXXX XXXX had worked with me after the first forbearance and put me into a plan to address the past due amount. Fay said they could consider a plan, but that it would not stop the foreclosure unless I paid the full amount. I went online and saw dozens of horror stories about Fay Servicing engaging in dual tracking, misleading borrowers to think they were being reviewed for a plan to get caught up but then foreclosing on them anyway and selling their house after they told them they would not do it. 
I believe that since my delinquency is Covid related that Fay is required to work with me to review my financial information in order to determine options to address the past due payments from the last forbearance. They should not be allowed to demand reinstatement, yet every time I call in to tell them I dont have the funds to reinstate the agents simply send out a new reinstatement quote for a higher amount
Product: Mortgage

RECEIPT OF SAID NOTICE IS AGREEMENT TO ALL TERMS STATED HEREIN : RE : XXXX JP MORGAN CHASE is actively reporting transactions and experiences to each of my consumer reports. According to the FCRA, it explicitly prohibits these actions and states : The term consumer report does not include any of the following : XXXX any report containing information solely about transactions or experiences between the consumer and the person making the report ; XXXX any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; XXXX communication of other information among persons related by common ownership or affiliated by corporate control if : a. it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons ; and b. the consumer is given the opportunity, before the time that the information is communicated, to direct that the information not be communicated among such persons ; XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer, such as a lender who has received a request from a broker, conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under Section 615 ( 15 U.S.C. 1681m ), Requirements on Users of Consumer Reports ; or 6. a communication described in subsection ( o ) or ( y ) of Section 603 ( 15 U.S.C. 1681a ( o ) or ( y ) ) ( which relates to certain investigative reports and certain reports to prospective employers ). 

JP MORGAN CHASE must cease from furnishing any of my non-public, personal information to any/ all consumer reporting agencies and third-party entities. I have never received or instructed JP MORGAN CHASE via disclosure my permission or consent to report such. This inaccurate and fraudulent reporting is a direct threat to my personal security, safety and financial stability and is directly linked to me being unable to adequately obtain essential consumer household goods and supplies for my family. This reporting has caused XXXX  emotional distress and tremendous financial hardship and stress. 

JP MORGAN CHASE shall cease and desist from reporting any/all of my transactions and experiences to all of the consumer reporting agencies they have a personal banking relationship with at my expense. Also provide proof in writing that you have notified all consumer reporting agencies to do the same.
Product: Mortgage

I had my credit pulled recently to purchase a new home to find that US Bank had reported a 30 day late on my mortgage for XX/XX/2020. I refinanced my home in XX/XX/2020 and they received payoff for this mortgage on XX/XX/2020. I have verified that the XXXX payment was received and that they received the payoff of my mortgage on XX/XX/2020 leaving no payment due for XX/XX/2020. 

I have been contacting US Bank every day since XX/XX/XXXX to resolve this issue and still do not have resolution. They have provided a letter stating that the XXXX payment was not past due, but have yet to provide something stating that the XXXX payment was reported late in error on my credit. 

I have spoken with 11 different customer service reps and all but 5 of those were supervisors. Yesterday my husband reached out to them as a second voice and when he asked them about correct the letter finally provided to reflect the XXXX payment not past due as we requested, they said they could not help because their supervisor was no longer available, but that we could follow up on this tomorrow. Tomorrow being Saturday, XX/XX/XXXX. He asked if the supervisor would be there in spite of the fact that it would be Saturday and was told yes. When we called today, Saturday XX/XX/XXXX, they were of course closed. 

This error on their part has lowered our credit scores from the 780 range down to 660 range and is costing us tens of thousands of dollars as we have already sold our current home and have a {$20000.00} Earnest Money deposit on our new home that would be lost if we walked away from that transaction. They are leaving us with little choice but to close on our home at a rate that is more than 1 % higher and is requiring that we will have to pay XXXX  points for discount fee. 

I am sure that we will be in a position to refinance out of this loan when we finally resolve this issue, but it will then cost us another set of closing costs. 

We are engaging legal counsel against US Bank at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

U.S. Department of Education sold my information to Fed Loan and Fed Loan sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Date Open : XX/XX/2020 Amount : {$550.00} Company Name : {$550.00} Date Open:XX/XX/XXXX Amount : {$2200.00} I am a victim of identity theft and have reached out to the companies several time with no success. I would like these fraudulent accounts removed from my credit report. The accounts do not show up on all credit bureaus. 

There are several inquires also that I did not authorize I will list them below. 


Company : XXXX XX/XX/XXXX Date : XX/XX/2020 Company : XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2020 Company : XX/XX/XXXX XXXX XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XX/XX/XXXX, XXXX Date XXXX XX/XX/2020 Company : XXXX XX/XX/XXXXXXXX XXXX Date:XX/XX/XXXX Company XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX  Date:XX/XX/XXXX Company : XXXX XXXX  XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX