23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi my name is XXXX XXXX. 
XX/XX/XXXX. I get a message that said my account was being use to purchase at XXXX  So I call Bank of America to notify them about this transaction and they told me they will need the transactions to progress then they will dispute the transactions. On the day XXXX transactions were make, and my balance went to {$430.00}, so I told customers service to cancel all my debit cards and stop the transactions which they didnt do. My wife and I had the debit cards replace because we told them to do it. 
XX/XX/XXXX. Three transactions were authorized and processed. One of {$3200.00}, {$1200.00} and last one of {$3200.00}. 
So I call and they told me that it has to follow the process and now they are disputing the transactions against crypto.com XX/XX/XXXX. I received a letter saying that they contact crypto.com and they said that to purchase with them I need to verify my identity provided a proof of ID. Also That an authorized dis approve transactions. 
So I call the bank again and told them that only my wife and I are authorized to use the account. They told me write a letter saying that it wasnt me the one who approve the transaction and then faxed to they office. They got the information and make a new investigation and the final resolution is that they arent paying me because I had approve transactions and that crypto said they do require a proof of identification to make transactions with them. Till now Im receiving an email from crypto to verify my Identification so I dont understand how I have access to make transactions. I also told them That I had to restore my XXXX because it was hacked. Also restore all my passwords.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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

I have a discover balance on my credit report which was resulted from a judgment that they got against me and the judgment then garnished my paycheck and they have now been paid 100 % out of the garnishment from the judgment. As far as I understand it not only does this change the status on my credit report because they have been paid in full but also I have read that judgments are not supposed to be on your credit report once they get a judgment against you? I can show you a copy of the judgment that they have against me and I can show you my pay stubs to show you that they have been paid off 100 % .. it is discover credit card and the balance was around {$2500.00}
Product: Bank account or service

The MN Statute allows that creditors charge no more than {$30.00} for an overdraft or NSF fee. How are banks in MN charging more than this? I have seen fees as high as {$38.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/year>, I received XXXX booking cancellation emails from capitalone XXXX XXXX and mentioned that XXXX of my reservations have been canceled ( XXXX, XXXX, XXXX ). I called the capitalone travel team at XXXX. The agent informed me that capitalone travel never canceled these bookings, they were canceled from the travel protal ( indicating they are canceled by myself ). I raised a security concern that I didnt canncel these bookings and you said you also didn't canceled them, then that might be someone else logging into my account to do it. The agent went back and double check again and insisted on what she had said. Later on, a supervisor was brought online and updated that these bookings were canceled by the corporate and if I have any concerns, I shall contact capitalone credit card department. I replied that I didnt receive any email from capitalone to explain what is going on and reason to cancel the booking. I let the supervisou know that after making these bookings, I had also book non-refundable flight tickets for the family travel. This cancellation has siginificantly impacted my travel plan but he can not offer any resolution and help with that. I feel terrible what if I were to go ahead and arrive the hotel for a stay, and the capitalone canceled the reservation, what we should do for a family travel. Until this point, no any official explanation from capitalone for the cancellation.
Product: Debt collection

I called Oliphant USA LLC on XX/XX/2023 to inform them that this debt had already been paid and gave them the information showing that it was paid, and they said that it does not reflect on their account and their system, so that I still owed the debt which has been paid in full and would not correct my credit report. I even called the law firm that I paid accounting for to and they also tried to call them and spoke with XXXX and they still have it on my credit report, This will be the third time Im disputing something that has already been paid, and they refuse to take it off my credit report as paid in full even though I have the documentation as well as the agent from the other company that will speak that is paid in full
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries. I urge you to conduct a detailed investigation and promptly delete them from my credit report.
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper has just started foreclosure process against my mortgage debt as of XX/XX/XXXX. XXXX initiated foreclosure in XXXX. Since New York has the 6 year statute of limitation, is it legal for Mr. Cooper to start their actions after the expired statute of limitation. Also, in their complaint they state that I defaulted XXXX XXXX, XXXX. However, I haven't made any payments since XXXX 's action and also, my mortgage was transfered to Mr. Cooper XX/XX/XXXX... I called and verified.
Product: Credit reporting or other personal consumer reports

I SENT A CERTIFIED LETTER WITH DISPUTED ACCOUNTS AND TRANSUNION REFUSED TO INVESTIGATE WHICH IN TURN VIOLATED MY CONSUMER RIGHTS. BELOW I HAVE ATTACH DOCUMENTS SUPPORTING THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I contacted all XXXX bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the XXXX office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies XXXX xs and have not gotten any relief or support.
Product: Payday loan, title loan, personal loan, or advance loan

I was contacted by a solar company to get solar panels on my house and one of the loan companies they used frequently is Goodleap. The solar company used a lot of tactics to get me to sign for a loan I didn't read or understand, taking their word for what was in it. The biggest problem is that the loan was structured to include a federal tax refund I would get and could either apply to my loan or keep, so it would either stay a low monthly payment or increase an additional {$100.00} a month. I informed them that I couldn't afford the higher payment and I was told it wouldn't be a problem as long as I applied the tax credit. I now know that no one ever can get a federal tax refund it's actually a NON REFUNDABLE tax credit that can never be applied to any loan or pocketed. When I started to look into these companies I found that consumers have been complaining about this to both companies for 2 years now where they were told this information. Goodleap knew I couldn't apply any money towards the loan but told me I could to get me to sign for a loan they knew I couldn't afford and ever structured the loan to legitimize their lie. They have been working with this company for several years in multiple states pulling this scam to steal people 's money. They got {$50000.00} dollars from me that I have to pay them or I lose my house. This loan company needs to be stopped. Why can't anyone stop these companies from doing this for years now they just keep getting away with it. I did email the company about this twice and the only thing they did was lower the higher monthly payment a little but I still owe the entire amount. I thought I was signing a {$34000.00} dollar loan not a {$50000.00} loan. Goodleap is just claiming ignorance and blaiming me and the worst part is that I got XXXX services and products and treatment by XXXX, the solar company. I feel like I shouldn't have to owe any of this loan because they knowingly lied to me to get me to sign. I thought this was illegal for companies to do.
Product: Student loan

This is regarding the Public Service Loan Forgiveness Program. I 've been with the same qualifying XXXX   employer since XXXX, have been in a qualifying repayment plan for the last 3 years after finding out that the plan I was in was not a qualifying plan, and have made payments on time each month. After switching to the XXXX XXXX as directed under the program for an assessment of my eligibility for the program earlier this year ( XXXX XXXX ), I  was just informed on XXXX XXXX, XXXX that none of my payments since switching to the qualifying repayment plan were qualifying payments. When I spoke to a representative from XXXX XXXX, she said that my prior loan server had me in a plan with loan terms that were not qualifying. Nowhere in the information posted on the Department of Education 's website about the program does it discuss the qualifications of a plan with respect to loan terms. I stated this to the XXXX XXXX representative who noted that there are a lot of details about the qualifying loans that are not posted. As a result, I do not know if the assessment of my payments is accurate to make the non-qualified payment determination. It 's also unclear to my while my previous loan servicer, XXXX XXXX, put me in a repayment plan with terms that do not qualify.
Product: Vehicle loan or lease

Last month, I filed a complaint against Motolease because they were reporting inaccurate information on my credit file. They continued to report my account as active and delinquent, despite the fact that the account has been closed for quite some time now. They responded to the complaint, and stated that they would correct the account on my credit profile. To date, this correction has not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

TIAA negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. TIAA has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH TIAA REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY.

TIAA may have acted alone or in concert with MyLoanCare, the new servicer.

TIAA 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of TIAA and XXXX. 

2 ) My homeowner 's insurance rates are about to renew, and are based on my credit score. TIAA 's actions will materially and negatively affect my rates, costing me up to thousands of dollars.

3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. TIAA and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS.

3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. TIAA 's ( and XXXX 's ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.
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 in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Product: Credit card or prepaid card

I would like help disputing two charges on my Bank of America account. The charges were placed on XX/XX/2019 one for {$4400.00} and the second for {$4400.00} by a company by the name of XXXX XXXX, XXXX aka XXXX. I now realize this was not a legitimate business opportunity and what they sold me was much different then what I have received. They have not provided the services as described. I have paid several companies on other cards and have attempted to obtain refunds to no avail I have been told that I am out of the cancellation period and there are no refunds. How can this be? These companies have taken advantage of me. They have charged me close to {$30000.00} and I am supposed to accept their policy when they have scammed me? I would like Bank of America to see that these charges are immediately refunded to me, this company has failed to perform.
Product: Mortgage

PHH mortgage responded to our previous complaint with information that was untrue such as stating that the modification application process was delayed due to a change in the account holders employment. None of this has been the case. We have been attempting to resume payments on our loan through this loan modification application for the better part of this year. Following our previous complaint, we were told to submit our bank statements yet again, we complied by the requested due date and received a letter yet again stating that we had not submitted our documents. We called, confirmed that they had in fact been received and were told to submit these documents yet again ( as we have for the last 4 consecutive months ). We need assistance as PHH is not being honest about their treatment of us as customers or their inability to honestly process our application and documents.
Product: Credit card or prepaid card

Dear CFPB. I signed up for an American Express Hilton card offer where I receive {$10.00} dining credit per month on my card and have used it 7 times already for a total of {$70.00} per credit. Curiously, I've already used my card a couple of times this month at restaurants but didn't get the customary email notification that I'd redeemed the offer. I'm further puzzled whether I'm now supposed to receive a {$20.00} dining credit as an XXXX member. Surpass members receive {$10.00} dining credits per month up to {$110.00} total and XXXX receive {$20.00} per month up to {$220.00} credit. I had two unproductive chat sessions with Amex that did not resolve the issue, and in my experience the best way to reach customer service at Amex, sad to say, is by filing a complaint with the CFPB. I apologize for troubling CFPB with a {$10.00} issue, but I believe it is important that Amex honor their promotion and their chat agents did not resolve this issue. I have been an Amex customer for 14 years with a perfect payment record and fear the quality of their customer service function has going downhill, possibly due to COVID staffing issues which would be understandable, and hope you can help me get the {$10.00} credit Amex owes me. I would have not used their card for this transaction were it not for the offer they made but have, as of this correspondence, yet to fulfill. Thank you for your time in investigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for account : United Revenue Corp # XXXX, which is a collection account on my credit report. The credit bureau updated the account which made me ask How did the credit bureaus verify this collection account as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Consumer Loan

Im still trying to figure out the fees charged by this company and how my payments are applied. I was on a payment arrangement to make payment for a pass due amount. an amount that the company was saying was 4 months past due even though I make a payment every month. My car was repossesed even though I had arrangement to make payment. I was quoted an amount that was due to get vehicle back and a total due with repo fees. Once I paid the amount to get vehicle back I was told another amount. They said that they added a " Key Fee '', for a key that I did not receive when I picked up vehicle. I was also told that I had 30 days from the day XXXX picked vehicle up to make a payment, but the scheduled payments, which included the key fee, for today, but told me that I could call back and change to later if needed. I called today and was told no changes and that my vehicle would be repossesed again.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXXXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report Equifax for their lax data security. My personal information was stolen in the massive 2017 breach of their systems. Not only was their data security insufficient, they did not release the information of the breach for months after it occurred. Finally, when signing up for their credit monitoring service I discovered afterward that doing so apparently waves the right to any class-action lawsuit or individual lawsuit as a part of clicking yes. No where was it made clear before clicking accept that I was giving up those rights and I certainly would not have accepted had I known what I was giving up. All of this clearly indicates a company who is unwilling or unable to ensure the security of the immensely important information that they store and who is more than willing to cover their failures up and then XXXX the consumer by immediately tricking them into opting out of any lawsuit.