23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid off my balance and closed my accounts 3 weeks early ( XX/XX/2023 ). I see I was charge additional interest fees and when I tried to resolve this with Comenity bank, I was advised that they will not waive those fees. When I did not accept that answer and wanted to speak to a manager, I was hung up on several times and every single person I spoke with only further escalated the issue. They spoke down to me, talked over me, said things like, " the more you speak, the slower I work '' and each and every one of them refused to let me speak to someone higher than that person. They kept saying they would transfer me to a manager only to pass me around to their colleagues. My last interaction one again hung up on me when I asked to speak to their manager and not a colleague for the 4th time. It has cost this company more to speak with me about the finance charges than it would have been to credit them. I have never been treated this way by any company and since there is no other way to report this abuse, I am left no choice but to report it here and with the XXXX ( which I will do after this ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting acXXXX 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

Consolidation Loan was forged and submitted to XXXX XXXX XXXX  using a address not mine, different state - use my SSN and Employer, XXXXXXXX XXXX, loan was not initiated by me nor are the References in the DEPT of Ed loan anyone I know, phone and email. submitted copies and False Certification Form, Forgery form with supporting documents, XXXX, XXXX XXXX continues to enforce loan with no proof of identity, misrepresentation, threat to garnish wages and seize account on forged loan. XXXX supplied a Reimbursement and Adenmity noted the Promissory Note as Altered and manipulated, identity theft police reports provided FTC supporting information for stolen identity Fraud use of information and violation False Claims Act, defraud the Dept of Education and Government , College, money excess XXXX provided to unknown fictitious college recipient. Wire Fraud, 18 USC 1343, False Claims Act 31 USC 3729-3733, USC 1028 , Identity Theft and Bank Fraud 18 USC 1344 , Theft of Public Money 18 USC 641 , False Statements 18 USC 1001, Higher Education Act Violations 20 USC 1097 .
Product: Checking or savings account

I am a bank of America XXXX card holder. They were ordered to pay back claims by the cfpb as well as compensate for our losses. 
They have locked me out of my account. They are now trying to use a deposit made by the state of az for partial payments they owed me, and say they are part of my claim. They also have added claims to my account that are not even possible... ..in total my only claim filed was for XXXX XXXX and XXXX That does not include the XXXX $ that they rejected in unemployment funds because my account was frozen. 
I have been calling them for 1 month now XXXX and they just pass me around and hang up on me. Now they said that my claims have already been paid out? 
They are stealing money still.
Product: Debt collection

Portfolio Recovery calls my cell phone from the number above along with many other numbers several times each day. The debt they are calling about is already dropped from my credit report & over the time limit yet they continue to call me multiple times every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a late payment from 2018. This is one item on my report negatively impacting my credit. As you can see from all my payments, Ive never had a late payment. I had one problem with this company when they had problems with their computer systems. I made the payment and recorded the confirmation. When they called me about the late payment, I gave them my confirmation number and they could not locate it. I always make on time payments with their automated phone system. This was an issue on their end and needs to be removed. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was been introduced the carecredit ( synchrony financial ) at the XXXX laser XXXX office, they said is easy to prove, no interest, .hassle free. So I opened the account borrowed {$4000.00} at XX/XX/2020, set up automatic payments which is they required a round $ 120 monthly online. Today i checked my account balance is {$3500.00}, after 3 years automatic payment, i paid them more than {$4200.00} already. i notice that they changed me more than {$2000.00} interes at XXXX, and after that 26 % interest every month around {$85.00}. Such a scam! You never get pay off, debt never going down. I Never received any email or text about the interest charges, or anything about promotional ended .... I been told interest freeat first time, and i followed the payment introduction all the time. Such terrible system, try to confused the customers, and stolen the money!
Product: Checking or savings account

I have BMO XXXX XXXX checking account. I already asked BMO to close that account but BMO didnt ' closed it. Instead they charged some maintenance fees to get the account into negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by GOLDMAN SACHS OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Credit reporting or other personal consumer reports

I disputed account for fraud with the credit companies. The account owner did not find error in theft of identity used for account.
Product: Checking or savings account

I received alerts on my phone there was possible fraudulent activity on my account. Then I received a call from Chase and the representative asked if I was setting up wire transfers and I said no. He advised it was pending and that I needed to reverse the transaction. I followed his instructions and the next thing my money was gone and went into an account at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by TransUnion, XXXX and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time.

I kindly request the removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account XXXX : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account XXXX : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.
Product: Bank account or service

This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.
Product: Credit reporting or other personal consumer reports

I fully accept responsibility for the past due balance. Since that time, I have taken significant steps to improve my financial habits and rebuild my credit. I deeply regret the circumstances that led to the charge off and have made every effort to ensure such issues do not occur again. 
I respectfully request your goodwill in removing this charge-off from my credit report. This negative mark continues to impact my ability to [ reason, e.g., qualify for better financial terms, secure a mortgage, etc. While I understand that this entry accurately reflects my past financial behavior, I would appreciate your understanding of my current situation and my efforts to improve CXXXX XXXXT {$500.00} XXXX XXXX {$430.00} XXXX  XXXX {$260.00} XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 Experian on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I had sent Navient a letter requesting the removal of 3 late payments that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As with any loan I have had in past for school once you graduate you have 6 months to start to repay. I was still in the grace period those months except possibly XX/XX/XXXX. I mailed a certified letter to Navient XX/XX/XXXX requesting the removal of the late payments due to being in the grace period and that particular loan was consolidated among XXXX other loans on XX/XX/XXXX. I even sent them a letter from University of XXXX. Navient responded that they are reporting correctly, in which I do not agree with. I never recieved anything from them stating that I was to start repaying the loan. I only noticed this error when I checked my credit report. The loan was from XX/XX/XXXX and I was attending XXXX. This loan was paid in full on XX/XX/XXXX due to consolidating my loans. Not once did Navient send me a letter stating about repaying the loan or start date to repay it. The loan was for {$2200.00} which was paid!!
Product: Mortgage

I would like to be considered for the XXXX program. The servicer scheduled a sale date on my property for XX/XX/year> while I was being considered for a loan modification during the moratorium. I sent an XXXX to the servicer. There is a new moratorium that should last till XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
XXXX XXXXXXXX # XXXX XXXX XXXX bank na # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX orginal creditor # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Identity theft plain and simple i live in a home i purchased over XXXX yrs ago no need for any apartments i went to this location XXXX XXXX and they didn't recognize me they said that they have never seen me before
Product: Mortgage

Ditech has held XXXX for 6 months and keeps telling me they mailed a check 30 to 45 days ago i call its a different story everyone i talk to, they mailed it has been lost, then they tell me they will wire transfer it then it got mailed, or lost in the mail .it was in there system till XX/XX/2018, i was told it was mailed on XX/XX/2018. i have called and called they do nothing but tell me it has been mailed or lost in the mail, they can send my statements for making payments but cant return my money they owe me, Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identified as being a potential victim of the Equifax security breach on XXXX.XXXX.2017 via their site, equifaxsecurity2017.com. They seriously mishandled my information and the information of others, which puts 209,000 other people at risk of identity theft. They were slow to notify customers of this breach and I would like a resolution, as well as the option of free credit freezing.
Product: Debt collection

CareCredit would call my cellphone, sometimes from XXXX to almost XXXX everynight trying to collect a debt. They would call every hour to every half a hour.
Product: Debt collection

I recently obtained a copy of my credit report. LVNV Funding LLC continues to violate my rights as a consumer according to the Fair Debt Collection Practices Act. Also, this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) 15 USC 1692b ( 4 ) 15 USC 1692c ( A ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692 ( c ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692 d I have attached my license.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I had a secured card with XXXX XXXX XXXX  ( " the bank '' ) circa XXXX to about XXXX when my account was closed, in good standing, by the bank. I neither heard from the bank again electronically, by mail, phone, or otherwise nor ever received my security deposit after inquiring ; I did not follow-up, believing the bank would automatically return my deposit. That was the end of my relationship with the bank. 

TransUnion notified me in XX/XX/XXXX the bank reported a delinquent account for {$5.00} - I have no account with the bank and tried to remedy it through TransUnion believing it was a mistake. Since I don't have a credit card with the bank, was my account number recycled? How can I owe a bank that, per TransUnion 's investigation ( File Number XXXX ), have paid on time for years ( up to XX/XX/XXXX ) with no knowledge of its existence or statements showing what any charges are for? On XX/XX/XXXX, the bank reported another delinquency to TransUnion. 

My account was closed by the bank per other CRAs many years ago, so what's going on here? Did the bank reopen my account and just started assessing some sort of fees? How can my account be in good standing for 5 years and I don't have a credit card with the bank- which requires an annual fee. Where's my old security deposit? Was a new card issued in my name and activated by me? When? Where?
Product: Credit card

I had a ToysRUs credit card that was closed when they went bankrupt. At that time, I spoke to an agent who explained that my account was closed and moved to a Synchrony Bank account. They said no more charges could be made and stores were closing. I agreed to be set up on auto pay for the minimum amount to pay off the account. I discover later that they put me on a credit card protection service ( that I didn't know about ) that continued to charge against my " closed '' account where I had been told no more fees could charge except interest. They also somehow determined that my minimums payments were lower than the fees they were charging so my balance went up! Not only did I think I was paying off at 0 % interest on a closed account ( and they were charging me 26 % instead ), but now they were charging me fees on a closed account to make my balance go higher each month. This then allowed the fees to increase each month due to the balance going up. In addition to the interest fees, the " protection '' fees ( on my closed account ) were based as a percentage of the balance so this of course gave them more money if they had my balance increase each month. I called today after reviewing years of statements to request a refund of fees and to make a settlement amount to finish paying it and to stop their unethical and deceptive practices. It took me over an hour on the phone. I kept getting transferred and disconnected. I finally spoke to a manager and was told they could do nothing to help with the fees. Her response was that I should have been looking closer. ( So it's my responsibility to watch for their fraud? ) She said they could put me on a 0 % payoff, which is what I thought I was on XXXX years ago, but would issue no refund. The most I ever charged on my card was {$2700.00} and here I am, seven years later - never missed a payment, never late - and I still owe {$1500.00} due to their fraudulent credit card protection fees. I will never use Synchrony Bank again. Isn't it ironic that I'm still paying to a company ( ToyRUs ) that doesn't even exist because they failed to pay their debts and went bankrupt? I have paid well over {$7000.00} for {$2600.00} worth of merchandise. Terrible company and terrible customer service.
Product: Credit card or prepaid card

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Debt collection

I got a phone call from a woman from XXXX XXXX XXXX saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.