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

Good Day. 
Regarding an American Express BlueBird pre-paid card I have : CARD # : XXXX XXXX XXXX $ BALANCE = {$1500.00} ( This is a cash deposit I made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, VA XXXX ( XXXX ) XXXX. The total amount has been frozen, and I can not use the card either, since XX/XX/XXXX. ) Whenever I call American Express BlueBird company at XXXX I get this message : " Your account privileges have been permanently suspended. An email has been sent to your account ... '' Then the representative informs me that : " I need to submit to accounts-review to see how come your account got suspended '' ... and when I ask more questions the representative proceeds to either hang up on me, or repeat the same phrase to me over and over and over again : " I need to submit to accounts-review to see how come your account got suspended ''. 

It has been ongoing since XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX I have contacted the company five times by telephone. 

I have contacted the company four times by e-mail ( e-mails sent to the following Executive Contacts ) : Primary Contact, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Secondary Contact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I have sent letters to American Express BlueBird four times by post/mail to : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( I have received no response, no reply. ) Please resolve. I want to receive a refund check of the full amount {$1500.00} back to me at the address on file. 

I appreciate the platform you provide to resolve such instances of poor customer appreciation. 
Thank you. 
XXXX XXXX, XXXX.
Product: Debt collection

XXXX XXXX  ACCOUNT # XXXX reporting on my credit report I have been disputing this account since XX/XX/XXXX which first appeared on my credit report as a STUDENT loan with XXXX. After disputing Equifax changed the information to XXXX XXXX  which is a collection agency. 

I never signed any contract or applied for any loan with XXXX XXXX. 

Since then they have change and reage the account for example : Reporting inaccurately reporting a closed account with XXXX  with a date of deliquency of XX/XX/XXXX The showing and reporting date opened as XX/XX/XXXX QUESTION ; How can a deliquency occured before the account was opened? 

they reage and changed the date to allow the account on my report for 10 years The collection amount was changed 10 times I never did business with XXXX Reageing an account is a violation of the FCRA I NEVER HAVE ANY ACCOUNT WITH XXXX DATE OF DELIQUENCY : XX/XX/XXXX DATE OPENED : XX/XX/XXXX look at the dates : account deliquent before it was opened???????? 

After pointing out these inaccuracies and reageing of this account with XXXX and XXXX the immediately removed it from my credit file. 
EQUIFAX keep changing the account everytime we point out inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

in response to Equifax, please see attached documents, in reference to me being a victim of identity theft
Product: Debt collection

I was contacted by Midland Credit Management collection letter dated XX/XX/XXXX. I disputed the debt in my letter dated XX/XX/XXXX. Midland responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent Midland my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX Midland 's letter told me they opened an investigation on my  dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and Midland was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX Midland letter notified me that they were no longer be collecting on the account.
Product: Debt collection

Bank of America took a XXXX Credit Card debt of {$510.00} on XX/XX/2024, and offset my XXXX checking account. I have a Business Checking Account that is tied to the XXXX Credit Card where an offset is allowed as I have been notified regarding that. But nowhere have I ever commingled my XXXX Bank Account with the XXXX XXXX account. I have XXXX funds and some social security funds going into my personal account. Please let me know if this is allowable.
Product: Checking or savings account

I have 4 savings accounts and one checking account with Ally. XXXX XXXX I was a victim of a scam. Unfortunately, I wrote checks to cash and used an ATM to access cash to send to the thieves. All of the transactions were initiated by me, I had money in my accounts to cover the transactions, and yes, they did look suspicious. Once I figured out I was a vicitim of a scam, I called my local Sherrif 's department and filed a case with them that is under investigation. I then called Ally and had them stop a wire transfer that I had initiated, which was thankfully able to be stopped. The evening of XX/XX/2024, I received notice from Ally that all my accounts had been frozen and were under investigation with their fraud department. I have called multiple times to find out the status and explained over and over that even though they looked suspicious, the transactions were indeed legitimate. Ally will not give me any information about my accounts or when I will have access to my money. Finally on XX/XX/2024 I told them to close all my accounts. I have just gotten off the phone with them again ( XX/XX/XXXX ) and I have been told again that they don't know when I will get my money and my accounts closed, as their investigators are still handling it. I need my money. I have done nothing wrong yet they are penalizing me by not letting me access my money. They are holding my money for no reason and as far as I'm concerned they are no better than the thieves that scammed me. I don't have any of the account numbers because my statements don't contain the entire numbers and I can't even log on to Ally to obtain this information. Please help.
Product: Checking or savings account

I am a senior citizen and on XX/XX/XXXX I decided to go to my bank 's website and take a look at my recent checking account transactions. I noticed one ACH transaction on my statement that I was not familiar with ( XXXX ) in the amount of {$17.00} and called the telephone number included with the transaction to try and get more information. I was told that they are a " Hospital Accident Protection '' insurance company ( XXXX XXXX ) and worked with my bank ( Regions ) to offer me a policy with this company in XX/XX/XXXX. I would never agree to accept such a policy nor would I agree to have monthly debits ( {$17.00} ) made from my checking account to pay for this. I told the person on the phone that I never agreed nor authorized their company to give me a policy or withdraw {$17.00} each month. I asked what her name was and where they were located and she replied that they were in the XXXX and she offered to cancel my policy and send me a letter confirming the cancellation. I said I wanted my money back for the last 44 months they have been making unauthorized monthly debits and she said she would also send paperwork to arrange for the refund. I then called my bank ( Regions ) who researched this so called affiliation to offer policies to their bank customers and the bank could not find any information nor could they confirm that I was offered and accepted this policy. After explaining that money has been fraudulently deducted from my checking account since XX/XX/XXXX they said they would explore the matter further and possibly refund for only the last two ( 2 ) years. They will notify me when a determination is made.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and Experian, there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Product: Mortgage

Attention : Customer Service for PennyMac Loans Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because you have not applied my mortgage payment properly since XXXX XXXX. I made all payments timely ; however, my loan was reported adversely in XXXX XXXX. Second, my loan payment has increased over {$150.00} dollars without any explanation. As such, I am requesting a full accounting of my loan payment as I feel like Penny Mac is engaging in predatory practices while servicing my loan account. On XXXX XXXX, XXXX, I contacted your loan department and no account explain why my loan payment increased. A supervisor in XXXX lied to me and stated he would follow back up with me regarding my account. He never did and now I am being forced to make a payment I ca n't afford. Taxes and insurance are included in my loan payment and Penny Mac is not properly paying and/or accessing the proper taxes.I am requesting a full accounting of my loan account, all loan documentation to explain credit reporting and escrow payment increases. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within 30 business days. 

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

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX-day late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX-day late for XXXX and a 30-day late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Product: Mortgage

I got a home loan in XX/XX/2007 with XXXX XXXX this company went bankrupt and my loan was sold to Caliber Home and at some point I applied for a loan Modification and was refused. well the loan was modified and the payment went from {$800.00} to {$460.00} and the loan was rewrote. and then Caliber sold my loan. I have been trying to get a copy of the signed loan modification. I had a fixed 9 % and now it has changed to a 12 %. 
This loan has been a Nightmare from the start. I have called every one I know to call. 
I have paid on this loan of {$70000.00} for 12 years and now owe XXXX the home is a 16 year old double wide and is not worth what the loan amount is and know one will redo or touch this loan  because the loan is a mess I cant afford a attorney so I am trying to do the leg work on my own. Please help me to get the correct documents. 
the loan is now owned by XXXX XXXX , XXXX. 
when the loan was wrote they are some eras in the loan and I cant get anyone to talk to me.I have never missed a payment and XXXX is now collecting the payment.
Product: Debt collection

I received a Garnishment Letter from my employer that a Judgement had been made against me and that I owed {$900.00}. The letter stated that my income would be garnished and any correspondence in regards to the matter needed to be addressed to the clerk of court. The problem is I had already received a garnishment of my wages in regards to this debt in XX/XX/2009 or earlier and have paid in an excess of {$800.00} which was deducted from my wages. The garnishment ended and I gathered the debt was paid off. I received a letter of a refiling of court proceedings and ten years later they are garnishing my wages for this old debt. I have received no correspondence from Midland Funding LLC about this debt and have no knowledge of why I would owe them any amount. I also believe that the amount indicated in the court document is not accurate to the original debt amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 604 ( a ) section 2. It also States a consumer report agency can not furnish an account with written instruction under 15 USC 1666 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/year> we filed with Mr cooper a loan modifications every time I spoke to someone I was missed lead on information and even spoke to a XXXX at Mr cooper and said she would call me back about questions I had and never did. I was told I could make other month payments and to find I out I cant. Now on XX/XX/XXXX XXXX finding out online I was denied and So now I have to file an appeal cause I didnt know to combine my and my husband income cause that wasnt explained I was told they just needed mine and I was told the correct amount of pay stubs I was needing cause no one knows anything and I would be approved cause I never filed for one and I was told I wouldnt lose my house and I dont want to work with them anymore cause no one knows whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Account Reporting by XXXX  XXXX Dear Experian Dispute Team, I am writing to dispute the accuracy of my credit report as provided by Experian, specifically regarding the reporting of an account by XXXX  XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2021 Opening Date as per Experian : XX/XX/2021 Opening Date as per XXXX XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like Experian, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to covid. I was effected by a late payout of unemployment money and stimulus payments. XXXX XXXX said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

XXXX XXXX is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 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: Student loan

When I left school because the costs got too high, and when I moved out of my parent 's house I could no longer get the aid I needed to finish attending school at the University I started at, I was regularly steered towards what I now realize were poor options. 

Navient, among other servicers of my loans, including XXXX XXXX, continually, and willingly, as a first resort, offered me forebearance, and failed to mention not only the insurmountable amount of interest that would accrue, but the time period the forebearance was for. 

Many of the people working for these servicers had sub-par english communication, and I now realize, out of their fault, as my loan was passed through four or five different people, it eventually landed in default because of their inability to contact me because the contact information I provided the servicers was transcribed incorrectly. More importantly, it appears they made no effort at ever updating my phone number, either. 

Now, my student loans sit in default, I wasn't even able to graduate ( because moving out made me unable to receive aid at all ), and I'm trying to grind my way through self employment to get to a point where I can repair my shattered credit. I won't be able to buy a house before I'm XXXX, likely, and most of my loans ( ranging in original amounts from {$2000.00} to {$5000.00} ) have almost doubled in balance. 

On top of that, a servicer XXXX XXXX XXXX, seems to have added 18 % to my loan balances upon acquiring my loan, and we haven't even gotten to a point to talk about rehabilitation. Although, I shouldn't need to rehab my loans if these companies were more transparent and simply offered me something I could afford off of my $ XXXX/month paycheck I was getting when I first left school. 

Now an original amount of about {$20000.00}, is over {$36000.00}, roughly 9 years AFTER I've left school, and I've been notified now THREE YEARS after my loans have gone into default. Somehow, my mother received the notification letter at her brand new house they've built, that I do not live at, and I have not received a single thing at any of my previous addresses even though I have always placed a change of address. 

Now my life is shattered, my credit is destroyed, and there is no fix in sight. 

So, what do I do? I type this out in hopes that anything positive comes of it, but I know nothing will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. Equifax, XXXX and XXXX have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

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

Account PAID/CLOSED still shows in Collections. My wife & I have exact profiles from joint accounts. We paid off credit card, increased available credit, decreased debt, and cleaned up disputed accounts. Her FICO Score INCREASED while my FICO Score DECREASED. Experian states there is nothing they can do to reticify the error which is negatively impacting me. The other two credit bureaus appropriately increased my score.