23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a customer of AMEX since XXXX. In XX/XX/XXXX, I received a call from Amex asking me to upgrade my current credit card. I agreed and they processed the card. My understanding from the conversation was it was an upgrade to my existing two cards ( everyday card and blue card ) by increasing the credit limit. But in actual this upgrade was to a XXXX credit card that has a membership fee of {$690.00} annually. I was not informed about this fee during the phone conversation. Then one month later I got a mail that had a platinum card in it. I was remarkably busy and did not bother to activate the card. A few days later another card was sent to me. I got confused. Then a new monthly payment statement showed up. I opened the statement, and it shows two charges, one {$690.00} for the first card and another {$190.00} for the second card totaling {$890.00}. It says both charges are membership fees. First, I am not a business traveler or a XXXX XXXX banker to ask for such luxury cards that have a fee in it. Secondly, I have never made a request for a second card. It was simply pushed to me. I was really upset and this past Sunday before I went to church, I made a phone call to Amex customer service. I spoke to five different people explaining to each one of them that I have never subscribed for such a card that has a membership fee and asked them to remove the charge. They all refused to listen and address my concern. I am not stranded with a fee of {$890.00}. I am not willing to pay this fee. I did not receive the service., I did not want to be part of it and asked them to cancel the XXXX card. They cancelled the card, but the fee is my responsibility according to Amex. I would like the US government to stop such predatory banks and credit card firms from misleading customers. Kindly request your office to resolve this issue. If this fee is not removed my credit score will be affected because I will not be able to pay this illegitimate charge. 
Thank you. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, These accounts must be validated. Please authenticate these accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$760.00}
Product: Credit card or prepaid card

In XXXX I was sent a letter and a civil citation stating I owed {$6100.00}. The petition said I owed XXXX and was turned over to XXXX XXXX XXXX XXXX. Rausch Sturm LLP represents XXXX. 
I wrote them a letter XXXX XXXX, XXXX letting them know this wasn't my account. I didn't hear anything until XX/XX/XXXX stating in a letter that they take these matters seriously and is under review. I responded again on XXXX XXXX and XXXXXXXX XXXX.Since that time I '' ve received notices and now a judgement against my mortgage. I have responded to each notice in writing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX. I've even written a letter to XXXX XXXX Court House disputing this charge, XX/XX/XXXX. I also filed a Motion to Set Aside Default Judgement and Notice of Hearing on XXXX XXXX, XXXX. 
I've made multiple calls to Rausch Sturm collection agency and spoke to several employees on XX/XX/XXXX, XX/XX/XXXX nd XX/XX/XXXX trying to get this taken off my mortgage as a lien against my home. It has caused hardship since I could not refinance and get a lower mortgage payment and I am out the appraisal cost. My employer runs back ground checks periodically and this judgement agaisnt me has also caused a hardship on my job and a fine against my department. One of the reps at Rausch Sturm said I needed to file an affidavit which I did on XXXX, XXXX. I received another call from them on XX/XX/XXXX stating there hasn't been any movement on this case and they are mailing me another affidavit to file again. This has been going on for almost XXXX years. 
I need to file against XXXX XXXX, Raush Sturm and XXXX as I have mailed many letters and called numerous times disputing this account to no avail.
Product: Mortgage

I have attempted to reach out to Reimer Law office as instructed by service regarding the foreclosure process. My forebearance application was still being reviewed and the law office continued with a court date on the sale of my property. I was told by the servicer that this would be halted during application process. I have called Reimer Law several times leaving messages and never reaching anyone other than a receptionist.
Product: Credit card

Home Depot pushed their credit card on me when I bought a refrigerator from them, stating that it would be interest-free for six months. By the end of that introductory period, I had paid the initial charge of {$2400.00} down to a remaining balance of {$340.00}. On that statement, I was charged {$130.00} in interest. When I called home depot to inquire about it, I was told that it was interest-free for first XXXX months but after that interest would be charged on the entire initial amount of {$2400.00}. In other words, they were forcing me to pay interest on approx {$2100.00} that I had previously paid off before the end of the introductory offer. I can not believe that this is legal and think Home Depot is fleecing their customers. Please advise if this practice is in fact legal and what I can do about it. Thanks
Product: Debt collection

I called First National Bank of Omaha in XX/XX/XXXX and made an offer to start making regular payments and when I told the lady how much I wanted to pay she was extremely rude. They did not agree. They have charged multiple fees and then charged interest unfairly including interest on the fees. These fees have made my balance increase {$600.00}. <P/> They have been calling my place of employment. They called today XX/XX/XXXX  and once before. They are harassing me at my job! I told them to stop calling my job and they just continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 Bankruptcy XXXX XXXX XXXX
Product: Mortgage

We have been working with a third party short sale processing firm in order to complete the short sale of our home. Chase has refused to review the short sale for approval without the approval letter from the junior lien saying that they are willing to accept {$1500.00} to release the lien. 

The third party company has worked hundreds of short sales where these mortgage banks WILL review the short sale with a preliminary HUD settlement statement WITHOUT having any settlement letters from the junior liens, 2nd mortgages, HOA 's etc. 

Not only that, but they have worked with Chase in short sales before whereby they have NOT asked for the junior lien, 2nd mortgage, HOA etc approval letters BEFORE reviewing it themselves. 

The third party company has already escalated the issue within Chase with multiple managers, the Military escalation department, and the Consumer Advocacy department to no avail. This needs to be completed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the 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  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: Credit reporting or other personal consumer reports

I called and informed state home mortgage that my current home with under contract with a buyer and asked if I need to make my regular monthly payment for the month of XXXX. They told me no because if I did, they would have to send me the payment back since the house was under contract. So I did as they instructed. Well, I looked on my credit report on yesterday XXXXXXXX XXXX and learned that they report and late payment on my credit reorgywhich resulted in a dropped score. Devastated!!! I can not afford a dropped credit score because Im in the process of buying a new home. This drop score brings everything to a halt. I only did what state home mortgage advised me. Iam in a bad situation and just about homeless because of this mid information. I need help. Will you help me please.
Product: Credit reporting

Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. 
See credit report agencies can added anything and do n't protect consumers.
Product: Debt collection

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Resurgent Capital Services is engaging in said violations of latter federal statutes. Resurgent Capital Services did not provide within 30 days of their notice of alleged debts which apparently goes back several years, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was refinanced with another company XX/XX/2022. Still appear negative on credit report.
Product: Debt collection

There is 3 accounts from a company called XXXX XXXX that was opened from my identity being compromised. I am requesting the XXXX accounts be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is showing as charged off even though it has been paid off.
Product: Checking or savings account

Hello, My complaint involves my bank account. On XX/XX/XXXX it only had {$15.00}. On XX/XX/XXXX I checked my account and it had {$220.00}. I thought this was weird but I triple checked my with drawls and everything looked accurate as far as what should be remaining in my bank account. This morning I saw that I have a - {$110.00}. I am frustrated because after seeing I still had {$220.00} in my account on XX/XX/XXXX. I went out and spent money and now due to some mistake in the system I am in the negatives. I have an alert set up so that if I am ever under {$30.00} it alerts me, I never got the notice that I was under {$30.00} because my account showed that I had {$220.00}. So please explain to me why on earth my bank account even showed I had over {$200.00}. If a transaction is pending it still shows the amount being withdrawn. I'd like this issue to be resolved as soon as possible as far as what my account is telling me a balance that may or may not be accurate.
Product: Debt collection

I am disputing this fraudulent charge. I have not opened any XXXX XXXX account, nor authorized an account to be opened in my name. My cell phone is on my husband 's XXXX plan which differs in account number from the fraudulent charge account. Chronology of this account : XX/XX/2022 received a letter stating I had not used any of the lines activated on the fraudulent account. 
XX/XX/2022 received another letter showing debt of {$3200.00}, and threatening referral to a 3rd party debt collector. 
XX/XX/2022 contacted XXXX using my husband 's XXXX cell phone. XXXX, the customer representative, assisted us and could not find the account or any account under my name. She advised we could disregard this notice. 
XX/XX/2022 contacted the NM State Attorney General 's office to file complaint XXXX. 
XX/XX/2022 received letter from 3rd party debt collector. 
XX/XX/2022 notified by my credit reporting vendor this debt is on my credit history. 
XX/XX/2022 submitted a complaint to Consumer Financial Protection Bureau XX/XX/2022 disputed the debt with the 3rd party collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting AXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Bank Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. States that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

On XXXX I receivedDocuments from Trans UnionShowing dispute results.I am attaching photocopies of those documents However I had to call because I am blocked and can NOT get on to their website, I got a big red X and it says you are blocked. I called on XXXX and spoke with XXXX XXXX XXXX who said he was a supervisor who told me each of the disputed items I have on this document is under investigation, I have letters from TransUnion saying that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I am also submitting a letter of dispute that was sent to me from XXXX to send to the other credit bureaus regarding XXXX XXXX. IAM being Denided access to my credit report at this time. Transunion is the ONLY credit bureau that is doing this. In XXXX when I went in for XXXX XXXX my XXXX was stolen that's when my information was compromised. I have submitted my Identity theft information to all XXXX credit bureaus. However, Transunion has Revictimized me and I feel my rights are being violated by Transunion.
Product: Money transfer, virtual currency, or money service

I am expecting retirement payments from a XXXX  pension group called XXXX XXXX 
The Group asked me to provide a certified copy of my local Bank Of America account with details for incoming International wire ( see attached copies. 
The 1st agent here in my XXXX XXXX XXXX XXXX XXXX  gave me the wrong information which resulted in my incoming wire being rejected by the retirement group. 
I then returned to the local branch and a new agent told me, what I was give by his previous colleague was wrong and that I needed to provide a Bank Of America Address in XXXXXXXX XXXX with a a routing number and a XXXX XXXX XXXX. 
The new wire from XXXX was initiated on XX/XX/XXXX of an amount XXXX. 
Now I have been on hold for XXXX hour and was asked by a BoA agent to call BoA Wire Investigation department at XXXX and on hold again for 30+ minutes with no one to help. 
My local BoA Branch : XXXX XXXX XXXX, XXXX XXXX  XXXX Information I was told by this branch to provide to my XXXX XXXX XXXX was : 1 ) My Name, local branch address and my account number and the XXXX XXXX XXXX -- certified by the 1st local BoA agent. This resulted in a rejection by the sender 2 ) Then 3 weeks later, another local BoA agent told me and provided me with a certified copy with new information to provide to my XXXX XXXX XXXX : My Name, Address and Bank account BUT use Bank Of America, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and a routing code XXXX I now called BoA XXXX number and after a long discussion teh agent told me I should have used another address in XXXX XXXX because the sender is using Euros!!!!!!! 
I am stressed out as I need the money since I retired last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am an XXXX XXXX XXXX male student, I have realized and tried to get my credit score from various places and still have found no hope in doing so, I have been recently notified by my plan with XXXX that my credit score is XXXX, which is surprisingly low and shocking for a student that has not taken any loans whatsoever and have been in the united states for almost XXXX years now as a citizen I would like to receive and know why my credit score is significantly low. 
thank you!
Product: Debt collection

XXXX XXXX XXXX, a debt collection law firm, has handled several debt collection lawsuits for credit card falsely opened in my maiden name. I have called XXXX XXXX XXXX, a debt collection law firm, has handled several debt collection lawsuits for credit card falsely opened in my maiden name. I have called their customer service line and emailed several times. I have spoken with customer service XXXX XXXX XXXX and informed them that this is not my debt and is fraudulent. I have sent emails with copies of the police report detailing a break in at my apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I sent my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to wage garnishment and I can not get any answers or feedback from XXXX XXXX XXXX. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me. There are so many cases its been hard for me to follow. Most recently, XX/XX/XXXX wage garnishment related to a court case that they won by default. I believe they are saying the debt came to them around XXXX. Defaulted sometime XX/XX/XXXX? I have contacted their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and is fraudulent. I have sent emails with copies of the police report detailing a break in at my former apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I sent my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to wage garnishment and I can not get any answers or feedback from XXXX XXXX XXXX. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me for a debt that is not mine. There are so many cases its been hard for me to follow or keep up, and some have gone into default or wage garnishment. When calling the customer service number or sending an email, the company redirects you to wait while they investigate, and nothing happens. Due to this, I have filed a new, more detailed police report with XXXX police department ( they handled the break in case and stolen identity documents at my former apartment ), and a new FTC report that is more specific and mentions XXXX XXXX XXXX, XXXX XXXX, Midland Credit Management, and XXXX XXXX XXXX by name. 
FTC report reference number : XXXX XXXX PD officer spoken to : XXXX XXXX XX/XX/XXXX ( awaiting copy of PD report )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported violations of the law on my credit report. I have two report numbers for this complaint, Report number XXXX, second report number XXXX. My uploaded documentation explains furthermore details.
Product: Debt collection

I was sent a letter by the debt collection agency on XX/XX/2024 as an attempt to collect the debt sent to the wrong name ( it is not my legal name ) for damages related to a rental vehicle to an amount of XXXX dollars. When I sent them an email asking for debt verification via email they provided on XX/XX/2024, they responded back to me with information related to the damages that the rental vehicle had after it was stolen right after I returned the vehicle. I sent them detailed proof on why I do not owe this debt on XX/XX/2024. Although I added a message that they can only contact me if they had proof that this was my debt otherwise to the original dispute, on XX/XX/2024, they sent me a mail with an offer to settle for 80 % of the debt owe. I am submitting this complaint because they are violating the no contact rule without proving me wrong in writing that this debt is somehow mine. I also tried to reach out to the original rental company regarding the internal communications error related to identifying me as the driver even though my rental agreement for the car terminated after my trip and it has been a radio silence from them thus far.