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

I booked a Hawaii flight early XX/XX/2022 and while in the reservation, XXXX XXXX XXXX offer came up, if you apply for the card while buying the ticket, {$300.00} would be taken off the price of the ticket. I applied but the application needed underwriter approval so it did not give an immediate approval. Had to book the flight in the meantime and paid with my own card. A few days later I checked the application status and showed I was approved. I called XXXXXXXX XXXX and Barclays and explained what happened at the time of application to see if they can switch the card so I can get the credit. XXXX XXXX said they can't do it but to call Barclays, they should be able to. Barclays said XXXX XXXX should do it so I was transferred a total of XXXX times between departments with nobody being able to help. I finally was transferred to the XXXX department at Barclays and explained the situation yet again and the person stated Barclays could not make the switch to get the credit as advertised by their application. At that time frustrated, I asked the person to cancel the card all together since it was only a few days after I applied. 
I flew to HI mid XXXX and on the flight, the flight attendant had a Hawaiian application that offered XXXX miles after any first purchase, different offer than the {$300.00} credit. Filled out the app and mailed it on XX/XX/2022. Today I called XXXX to see status and found out I was declined because I voluntarily cancelled the first card since I was told I could not get the {$300.00} credit. They have also stated I can not apply again for XXXX months. 
In today 's conversation, Barclays employee XXXX id XXXX stated that the first {$300.00} credit would have been applied to my first statement. That was never communicated to me when I spoke with XXXX XXXX department person that cancelled my card. Today, XXXX stated he asked for a resolution from his supervisor XXXX id XXXX and he stated there isn't one.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute its been well over 30 days and i have not received any investigation results
Product: Student loan

I am a consumer credit  XXXX  working with people with student loans. We currently have  two  clients we are working with who are being garnished for  Federal Student  Loans. On the studentloan.gov website, it clearly states that defaulted loans can be consolidated as long as they are placed into an income driven repayment plan.  Two  former students that we are working with to get their defaulted student loans consolidated were declined by Great Lakes, even though they requested the  Income Driven Repayment. Their only options that Great Lakes gave them were not affordable. If defaulted loans can go into a   consolidation loan, how does Great Lakes have the authority to deny them? We need clarification on this.
Product: Debt collection

On XX/XX/ around end the month I checked my consumer report and notice a outstanding debt from collection agency. I contacted the originator of whom I did business with which was XXXX. I was told that all issues were handle over to this agency. I requested written agreement on which the contract that I had with XXXX originally. I have still have not obtain that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with the M and Lakeline. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on XXXX  and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.
Product: Checking or savings account

On XX/XX/2019, I went into Bank of America, in order to open a representative payee account. We discussed with the Banker a broad range of topics to meet my family 's future financial goals, including, but, not limited too, plans to purchase a home, plans for my children 's college educations and plans regarding my business. I am a business owner who has recently become XXXX and desired to know what the bank offered as far as business financial services. 
XXXX XXXX, Relationship Manager Business Owner Specialist is the Banker that opened the account. He opened the account in XXXX, GA. Unfortunately, XXXX treated me in a discriminative manner. I bought a Representative Payee with me to open the account. I requested information about mortgages. To this day, no help has been provided from the equal housing lender. 
The representative payee has not given me the debit card for the account, instead has done something else with it.
Product: Credit reporting or other personal consumer reports

I never opened an account with XXXX. Someone else opened an account with them in my name, using my SSN. XXXX refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site. 
The frauder used an address, phone number and email that are totally unknown to me.
Product: Credit card or prepaid card

I loaded XXXX on my transactXXXX  card for my hotel room payment, I tried to activate my card they say that they couldn't verify my identity, then I tried other ways cause I am an single father with XXXX kids and I couldn't use my card and was left in the streets cause they kept playing on the phone when I would call
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX XXXX  : XXXX XXXX  : XXXX XXXX  : XXXX XXXX  : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX 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 I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

These companies has also violated 15 U.S.C. 6802 violates my rights. I DID NOT receive the required opt-out notice at the time the account was created that the account would be reported, I have the right to opt-out from any reporting of non-public information.
Product: Credit reporting

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XXXX XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit should remain however, on each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX. 

I do n't understand why number one an account that is paid in full was sold to an outside collection agency and two why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XXXX XXXX. 

In addition I have a good credit account with XXXX XXXX that was opened in XX/XX/XXXX with a high balance per month due to my work travel in the amount of $ XXXX.I have had to request that this good credit line be put back on my bureau reports in excess of 3 times. I have documentation to this fact if necessary. 

Of course this affects the FICO score because the age of credit is a part of the algorithm. It is a mystery to me how good credit can just fall off but inaccurate credit can be reported XXXX different ways. 

I sincerely appreciate your help in this matter as I can not get resolution from the creditors, the bureaus XXXX, Equifax or XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
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 XX/XX/XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602
Product: Credit card or prepaid card

I went back over my statements for XXXX  and realized that I was being charged a late fee EVERY month. I WAS late a few months ( the first couple of months of the year were rough ) but since XXXX of XXXX, I've paid every month. The issue is, I was paying in the beginning of the month, since that is when I receive my SSI, and I just wanted to pay all my bills and forget about it. So I would pay on the XXXX or the XXXX of each month. My bill is due on the XXXX of the month. They were attributing the early payments to previous months. So therefore I was being charged a late fee EVERY month. This isn't right, especially because some months I paid twice ( XX/XX/2022 I paid {$100.00} on XX/XX/XXXX AND {$100.00} on XX/XX/XXXX. Because that was close to the date it was due, I did not receive a late fee that month. ) After XXXX, because there was no late fee that month, I should have been caught up, and any payment in the month of XXXX should count for XXXX, right? Well, apparently not. I paid {$100.00} on XX/XX/XXXX ( keep in mind, that amount is always over my minimum required payment ) and I received a late fee on XX/XX/XXXX. Paid {$100.00} XX/XX/XXXX, paid {$50.00} XX/XX/XXXX, received late fee on XX/XX/XXXX. Etc. I spoke with the company and they were only willing to refund ONE late fee, the one for the recent past month. I feel like I've been a good customer for a year now, no missed payments, in fact, many months I paid twice. But I've been getting charged {$40.00} nearly every month. For making EARLY PAYMENTS. That does not make any sense. I closed the account and I am perfectly ok with paying whatever balance I owe but I want them to refund the late fees in the months that I paid early. Thank you.
Product: Credit reporting or other personal consumer reports

I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inaccurate Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.
Product: Debt collection

On XXXX XXXX, XXXX I checked my credit report and saw that ProCollect , Inc was reporting a past due amount for an apartment complex. I called to speak with a representative regarding a resolution on the account and possible deletion from my credit due to I never received a notice regarding this balance. The representative was not willing to work with me regarding settling this debt but kept demanding I pay the balance in full and they would not remove from my credit. I requested to speak to a supervisor and she was very rude, unwilling to help, and very unprofessional.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX XXXX. Before it was transferred I was working with XXXX on a loan modification. I had to reapply for a modification when it was transferred to Shellpoint. I submitted a complete application including my social security benefits I receive for my XXXX children. They kept insisting that I have my XXXX minor children sign a contribution letter saying they contribute the social security to the household income. Finally after months of battling with them they finally agreed that minor children can not sign a document like that and accepted my social security as income. In XXXX XXXX, I received a denial letter stating that I had been awarded a loan modification but it was cancelled for failure to make the first payment on time. I immediately called and explained to them that I never received any information regarding a loan modification. They told they had mailed out a package in XXXX XXXX. On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX stating I had been approved for a modification, but the envelope was postmarked XXXX XXXX, XXXX, so clearly they mailed it after the conversation I had with them. They refused to allow me to make the payment to accept the modification because it was past due date. I immediately reapplied for another modification but this time was quickly denied because my modified payment would be higher than the original payment. I appealed this decision 3 times with documentation from the Making Home Affordable Handbook supporting my appeal. They still denied me stating that my investor would not allow a HAMP Tier 2 or streamlined mortgage. I contacted them again asking for a repayment plan. I was told they were ordering foreclosure fees and costs and would email the repayment plan. Instead they mailed me a foreclosure notice with a foreclosure date. I contacted them regarding this and I was told that my appeal was denied for failure to submit documents and it had nothing to do with the investor. My loan is owned by XXXX XXXX and i asked if I was reviewed for a XXXX XXXX modification. They refused to answer the question but instead repeatedly told me I was denied for failure to submit documents. When i told them I had a letter from them stating I was denied due to investor restrictions they continued to tell me that was not true. They still will not tell me or provide me in writing the exact modifications I was ever reviewed for. At this time I currently have a foreclosure sale date and I have submitted yet another application for a loan modification. After each denial they have never offered a repayment plan or any other foreclosure alternatives even though I have requested them. At this time, I feel that they have not helped me in any way and in fact have led me to the point that I am at.
Product: Credit card or prepaid card

I started a dispute with US Bank regarding my card, no response for weeks. I get a few phone calls, from called ID blocked numbers or numbers that have no results in an internet search and are not listed anywhere on usbank.com, the caller claims to be from US Bank but I need to " verify '' first by providing confidential - super bad idea for me to go along with this so I tell them I think they are a scammer and hang up. 

I get an email, again from an email address listing a person and phone number that is not independently verifiable asking me to call - I respond that I will not call the number because the information in the email is not independently verifiable. No response Today I find out they are closing my credit card account, perhaps all accounts, it was not clear, because or disputing a charge. Ridiculous and completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxs XXXX and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Product: Credit card

I ordered a XXXX on line from SAKS, XX/XX/year> I paid with XXXX XXXX. They billed me XXXX XXXX was too big, It was received on XX/XX/XXXX. I did not have to try on as it was evident. I received a return label the next day and I placed it back in the same box, all original tags still on, ( none were removed ). On XX/XX/XXXX I received email confriming the package was on its way back to Saks I returned in same condition, in same box. I received the XXXX back several weeks later, in an unmarked box, the XXXX was inside out, and wrinkled but with all the tags still in place. However, it had no marks or wear or damage. The note said that the item showed signs of wear or dirt. I immediately called SAKS customer service who told me that they could not tell me what the dirt or wear was as they don't have that information since it was simply a message from the " distributor ''. However, SAKS was where I bought, who I paid, and where the XXXX  came from. I asked them to look into it and send me pictures or information that they claim about the XXXX being worn or dirty. they emailed me back simply saying that they can not refund me. I called again and emailed with pictures of the XXXX showing no signs of such. They have now failed to respond to me I believed this is a scam They simply say its worn/dirty, when it's not and I have no proof and they wont even tell me who this " distributor " is that denied the return. I put a claim into pay pal but they did not resolve either The email for saks is XXXX the case number is XXXX and the order is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} ) from my file. I've disputed with transunion twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core XXXX or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?
Product: Checking or savings account

I bank with Truist bank and on XX/XX/XXXX my wallet was stolen in XXXX XXXX XXXX why I was on vacation. it was XXXX once i realized my wallet had been stolen and i called the bank immediately to cancel all my cards. i also have a police report with the XXXX XXXX XXXX sherif department logging my stolen wallet. I called the bank Mutiple times that weekend to inform them of what had happened and provided them with the police report. they people had taken out two transactions that i disputed one in the amount of XXXX and XXXX the business name it was under was XXXX XXXX XXXX XXXX XXXX FL and when i XXXX this business it is not a legit company. i provided all this information to the bank and they still denied me my dispute saying it was an authorized transaction and they refuse to give me any documentation supporting their claim.
Product: Debt collection

I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me.
They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.
Product: Credit reporting

RFC XXXX {$2000.00} and XXXX Amount {$1500.00} are reporting on my account and both are the same thing. I have no knowledge of this debt and Equifax continues to say they verified but will not tell me what evidence they based this on. I have contacted XXXX and they stated the account is listed with the debt collection CRA. The company has no agreement of signature binding me to this alleged debt. They state that a live check was sent to an address that I did n't live at. Equifax did n't follow guidelines as specified by XXXX or else they would 've removed this account from reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

Transunion 's customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.