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

1.I have never had an account with this company AMERICAN EXPRESS , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AMERICAN EXPRESS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my credit report for the account listed as XXXX XXXX Account # : XXXX. T

here are several inconsistencies within the account which means this account has not been properly verified. Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX balance : {$1600.00} {$0.00} {$0.00} High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1400.00} {$1400.00} {$0.00} Past Due : {$1600.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Late 120 Days Unknown Last Reported:XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Bank account or service

On XXXX XXXX, 2016 an unknown individual used a fraudulent debit card to make XXXX separate ATM withdrawals from my checking account with Flagstar Bank. The withdrawals totaled {$1800.00} and were withdrawn in the amounts of {$400.00} ( x XXXX ) and {$200.00} ( x XXXX ), my bank apparently terminated either the debit card number or the ability to make ATM withdrawals from the checking account upon the last withdrawal of {$200.00} per discussion with card services at Flagstar Bank on the evening of XXXX XXXX, 2016 ( I was not contacted by Flagstar Bank about the transactions but rather attempted to use my debit card on the evening of XXXX XXXX, 2016 and the card was declined ). The individual made XXXX withdrawals of {$400.00} from the location noted previously ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) and made XXXX withdrawals of {$400.00} and XXXX withdrawal of {$200.00} from another location ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ). I submitted a fraud claim with Flagstar Bank on the morning of XXXX XXXX, 2016 and received no correspondence from the bank. I submitted a police report with the XXXX Police Department on XXXX XXXX, 2016 to report the theft as well. On XXXX XXXX, 2016 I called the bank 's customer service number to inquire about the fraud claim and was informed that the claim was denied based on the fact that the withdrawals were in my city of residence, the fact that I retained my debit card, and the fact that there were no incorrect PINs entered during the withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again, XXXX XXXX Balance : {$320.00} XXXX XXXX Date of inquiry : XX/XX/XXXX ;
Product: Student loan

I called in to Mohela around XX/XX/XXXX because my loans were put into deferred status without my consent. After two hours I was able to speak to someone. The first time I called in, I waited two hours only to be hung up on.

I am on the Save plan and I want to begin paying so that the accrued interest will be forgiven each month rather than piling on while deferred. They said they would submit a paper to complete my request. 

I just got a notification on XX/XX/XXXX saying this request has been delayed and would take up to 90 business days. I will be accruing thousands of dollars of interest during this time due to my loans be placed in a deferred status I never wanted in the first place. I want to pay my loans!
Product: Mortgage

Shell point mortgage put me on cares act. XXXX of XXXX. They are demanding payment in full. 
I'm not behind on payments They stopped accepting any money from me in XXXX of XXXX. I was on the cares act plan. They have denied I was on this plan. They have denied me any way to get modification or forbearance. They have never notified of anything. I can prove their lies at every point of contact. They have had class action lawsuits filed an shell point lost every lawsuit. For the exact same thing they are doing to me. Theese people should be in prison. This is just a couple of the thing they have tried there is a lot more they have done an said an lied about trying to steal my house. I'm not upside down on my house Actually I have around XXXX in equity in my house. Please help me resolve this matter. I can document lie after lie by shell point. It's criminal what they have done..
Product: Credit reporting or other personal consumer reports

The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since XXXX. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.
Product: Money transfer, virtual currency, or money service

Despite using Zelle multiple times and reporting numerous discrepancies, my financial institution and Zelle have failed to investigate my claims adequately.
Product: Student loan

I recently went online to XXXX to learn about public loan forgiveness. I did not know that all this time, I've been playing back federal loans under the wrong plan. the website suggested I apply for the new program since I had more than 10 years of payment. I applied and have heard nothing. I also applied in XXXX and XXXX. I went back to the site in early XXXX to make sure I submitted everything I was supposed to submit to be eligible. when I went through the advice website ( which was not updated ) I was told to apply for an XXXX repayment plan and to consolidate my loans. I had two federal loans, one for my school and another a PLUS loan for my daughter. I tried for several days to call the phone number given but never got through, on a few occasions, when they called me back, they hung up on me before answering. In a panic, I filled out everything and got my husband to sign. I went back to the site on XX/XX/XXXX and created an account on XXXX to see if I could find the status of my application. in the electronic inbox, there were two letters stating that I should reconsider consolidating and that they were almost done with consolidating my loan. There is no way I would have seen letters in an electronic inbox of an account I had not signed up for ... .the letter stated that I would have to start over in order to qualify for the PSLF program. I paniced and called them to no avail, then ai sent an email stating that I never received the warning letters and to please stop the consolidating process. ON THAT DAY they quickly completed the process and paid off my loan. Now I am stuck with a consolidated loan I did not want and I've lost 10 years of repayment. It turns out that I was supposed to only apply for an ICR payment plan but the application is confusing and suggests that you also fill out the consolidation piece. It also states that you can not get PSLF if your loan servicer is not Fed Loan. I thought that since I did not fill out the consolidation form in XXXX or XXXX that was the reason they did not have my paperwork. this is fraud. I would like to see all of my applications that I sent to XXXX since XXXX and the documents that state exactly when they completed my consolidation. also, I want receipts that they actually sent me the XXXX letters warning me about consolidation to my home address or email address. this mistake has cost me more than repayment of my {$200000.00} loan, since I am XXXX I will not have 25 years of work to pay off the rest of the loan and I was told that I will not get my government retirement because I have loans due. PLEASE HELP ME I do not know where to turn and this is unfair. There is no reason that I would consolidate my loan if I had known that m y 10 years of repayment while working in public service would be lost. thanks for reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience with the credit agency TransUnion Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Product: Credit card

I have been a customer with Bank of America for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Bank of America ( BOA ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. BOA sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by BOA for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that BOA was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. BOA had all the information to help correct the problem. BOA has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. BOA now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a BANK of AMERICA can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Bank of America inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however BOA will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from BOA to me. I assumed that because the
Product: Bank account or service

Using Key Bank 's online portal, I performed a transfer of funds on XXXX XXXX, originating an ACH debit to XXXX of my checking accounts at another bank. Key ( Originating bank ) received funds on XXXX XXXX ( effective date ), which is the same date Receiving bank removed funds from my other account, but Key Bank still has n't made the funds available to me in the target checking ( as of XXXX XXXX XXXX. This is contrary to their disclosed funds availability disclosure and is an excessive delay for an electronic transaction. The bank has had my funds for over five days and has not made them available to me ( should have been on the effective date ). The branch tried to explain this had something to do with the bank holiday on XXXX XXXX, but that does n't explain why the credit half of this transactions originated on the XXXX does n't post for a full week. Key is always quick to post the debit half when it is the other way around.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to eliminate any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate regarding reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for inquiries that is on my 3 credit bureaus. I have no knowledge of this company name " XXXX '' that is on all 3 of my credit reports. I have not communicate with XXXX in any way. Please direct the three credit bureaus to remove all inquiries listed as XXXX. This is a compliance violation of my right under the FCRA and FTC law as I am not given XXXX permission to pull my credit.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Company - ditech Started dealing with them on XXXX XXXX, XXXX until present I was provided with incorrect information to pay off my loan. I was told that I could pay it monthly until it was paid off However, this company lied and reported my account past due to the credit agencies. I had not missed a payment. I was not given a date to pay it off -- just pay until it was paid off. I have contacted them. But to no avail. As of XXXX XXXX, XXXX, it was paid in full. I am requesting the company to correct my status with the Credit Bureaus to PAID AS AGREED. Also, this company has reps that provide incorrect information on a daily basis. Please advise. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 card was blocked for fraud. When I called XXXX XXXX for an explanation I was told that they could not tell me the reason for the block due to fraud investigation. That was 2 years ago. I have XXXX cards with XXXX XXXX. The card blocked was that used by the Authorized User ( My XXXX ). This block was instrumental towards credit blemish as per Experian. My son reached out to XXXX XXXX for a resolution as I have also done myself. I paid my card in full back in XXXX XXXXonly to be penalized for the added fraud block without premise. I am the Account holder my son is the authorized user. I often times blocked my son from using the card for overspending. He would max his card out and I would have to pay it in full, so I would block him. XXXX XXXX decided to place a block on the card in XXXX of 2021 due to numerous declines, now XXXX XXXX is backpedaling stating the block was due to inaccurate address information, meanwhile my Credit XXXX card was never blocked. Both cards are under my name, my address. Two years barred from using the card, and the audacity to incur member protection fees!!! I called again today as a result to resolve the issue, escalating the call to XXXX levels according to representatives whom I do not believe even escalated my call. It went from representative, to Supervisor, to Manager then Supervisor then to corporate when I stated I was going to the Consumer Protection Bureau. I asked them to remove the ridiculous block, remove the fees, my son was barred from using the card I got him as an authorized user and my card was used monthly for a veterinary insurance bill on a monthly basis. Thats it. This has caused credit issues and I need a resolution.
Product: Credit card

Company failed to respond to ticket XXXX via CFPB after violating TCPA
Product: Credit card or prepaid card

Very simple : I applied for the AMEX Gold card and was somehow approved for AMEX Platinum. I brought up as much with customer care, who seem XXXX on either having me keep a card I didn't want or having me cancel and reapply for Gold which of course would have my credit hard pulled again. 

They insist that they can do nothing more, which I am certain isn't true, and refuse to do anything more about it besides a 6-8 week investigation. During which, I am stuck with a card I never asked for and a credit ding with no new card. 

They have made no meaningful effort to correct this issue.
Product: Checking or savings account

Ive sent some documents. But forgot to add some additional information the bank statement of the end of each year till XX/XX/2019 Please review and look amount Ive paid I frankly feel no financial institutions should be allowed this excessive amount to be taken from anyone. This is plain theft and taking Advantage of people like my self living pay check to pay check. Or day by day because each day is different and times unable to cover the amount and the fees end up costing me more then the money I am able work. 
It accumulated and at times very hard to cover them when there no way of being able catch when the fees is the reason you keep getting set back. The more I work only to pay in fees
Product: Vehicle loan or lease

In XX/XX/XXXX, we returned our leased vehicle at the end of the lease term and began leasing a new car with Hyundai. My credit report clearly shows that I made all monthly payments on time from the start of my lease in XX/XX/XXXX until its conclusion in XX/XX/XXXX. 
In addition, I have my documented payment history and paid-in-full letter. Despite this, Hyundai Motor Finance inaccurately reported a charge-off of {$6500.00} on my credit report. The lease ended after two years, the vehicle was returned in excellent condition, and we immediately leased a new car starting in XX/XX/XXXX, with all payments for the new lease also made on time. 

We have made numerous attempts to resolve this issue but have been unable to reach anyone who can assist us, which has been incredibly frustrating. This erroneous charge-off has negatively impacted my credit score. Additionally, in XX/XX/XXXX, Hyundai reported an unexplained and unpaid charge of {$160.00} on my credit report without any prior communication. This situation has caused significant stress and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.