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

My wife and I have been XXXX XXXX members for over 30 years and in XX/XX/XXXX we were on our annual vacation at a XXXX XXXX timeshare XXXX XXXX location. During our visit we attended a NO obligation tour to get for additional points. XXXX XXXX provided false information about the additional points and pressured us to buy XXXX additional points. At this time I was XXXX years old. Mr. XXXX told us, we have 7 days to change our mind with no penalty. The very next day we went to the office to cancel the additional XXXX points. We were told XXXX was not available and he was the only person who could help us. We left the resort, returned home and immediately called, sent an email and a certified letter including the two Barclays cards stating we did not want the additional points ( please see attached ). The cards had NEVER been used and we never received a bill, nor phone call from Barclays. On XX/XX/XXXX we received a letter form a collection agency. After several attempts to resolve this matter we were forced to hire an attorney. On XX/XX/XXXX we agreed to surrender and XXXX XXXX agreed to take back our XXXX points. In addition to the XXXX they took back all of the points and weekly rentals we had accumulated over 30 years!! XXXX XXXX is reporting this account with a XXXX balance, however Barclay 's is reporting we have a balance of over XXXX and it is in a charge off status. I am now XXXX years old, I have lost all of my vacation time, and have lost thousands of dollars in attorney 's fee 's and now an in jeopardy of loosing my home to foreclosure effective XX/XX/XXXX. For three weeks I have been trying to resolve this with Barclays. I have sent documentation to both Barclays and XXXX XXXX and have had no success. I don't not want loose my home. Please help.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) of 1970, particularly the provisions outlined in 15 U.S.C. 1681 Section 602 and 15 U.S.C. 1681 Section 604 ( a ), as well as the billing error resolution provisions under 15 U.S.C. 1666b, I request that these matters be investigated thoroughly and that the late payments be removed promptly from my credit report.

I would also like to note that I had set up a payment arrangement with Chase Bank prior to the negative mark on my account. This arrangement was intended to avoid any late payment issues, and the negative mark appears to have been reported in error. 
I have reviewed my records and can confirm that I am currently in good standing with Chase Bank, with no recent late notices. It is essential that my credit report accurately reflects this standing. An erroneous reporting of late payments is not only detrimental to my creditworthiness but also in direct contradiction to the spirit and intent of the FCRA, which emphasizes fairness, accuracy, and privacy in consumer reporting. 
Furthermore, I am also requesting an investigation into the reporting of accounts with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and the Department of Education. Both the accounts with XXXX XXXX  and XXXX XXXX XXXX have been paid off, and their statuses should be accurately updated to reflect this resolution. Additionally, I have maintained good standing with the Department of Education, and any late payments reported on this account are inaccurate. These inaccuracies must also be corrected promptly.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, XXXX XXXX and I negotiated an verbal contract to settle in full to my auto loan in the amount of XXXX XXXX  had giving me a time frame to release the funds no later then XX/XX/XXXX of XXXXXXXX XXXX received the amount in full as agreed on XX/XX/2023, which the account should have been closed and as in good faith standing. then I went to two different auto dealers to get an auto loan and both dealership informed me that no lender accept me for an auto loan, due to XXXX XXXX reported on my credit reported Negative and derogatory remarks which includes an I9 ( charge off, repo ), and the I4 rating ( late payments ). My account was settled in full and not a charge off./repo.
Product: Debt collection

This company has been calling me non stop up to 6-7 times a day i had to put a spam filter on my pbone they are leaving voicemails so many my memory gets full this started last week
Product: Debt collection

For the past month, I have been getting incessant robo calls, emails and now calls to my work. I am a cosigner on a loan and on  XXXX   XXXX ,    2017,   XXXX   XXXX ,    2017, ( s econd time on  XXXX   XXXX ,  2017 )  and  XXXX   XXXX ,    2017, I  emailed  Navient and  asked them to stop robo-calling. Today I was harassed at my place of employment. When I expressed that they are NOT to call me at work, she advised me that " the calls WILL continue. '' This is harassment and I want it to stop.
Product: Vehicle loan or lease

On XX/XX/2022 a postal money order was mailed to American Honda Financial Corporation discharging debts under U.C.Code 3-603/3-311. According to the US Postal Services tracking the payment was received by the department. On XX/XX/XXXX the corporation called my phone threatening to repossess my vehicle although the payment was received.On XX/XX/2022 I informed American Honda Finance by certified mail that under 15 USC 1635 I am exercising rights to rescind transaction due to fraudulent activity discovered on the account. In the letter I also expressed that under 15 USC 1635 ( b ) upon receipt of recession I would not be held reliable for any security interest, finance charge, etc and all becomes void effective immediately. 

On XX/XX/2022 I received a letter from XXXX XXXX representing American Honda Motor Co Law Division stating that my notice has no legal effect and alleging that it does not discharge me from the alleged debt owed to American Honda Financial Corporation. The letter states that American Honda Finance Corporation rejects that offer and reserves all of its rights and remedies. 

On XX/XX/2022 I responded to XXXX XXXX and the Law Division expressing that as a natural person and consumer it is my right to rescind this contract being that I was not provided the fully made aware of terms of contract.
Product: Mortgage

This is in response to a previously " resolved '' claim. The claim number is XXXX. As a result of this complaint, Carrington Mortgage Services agreed to redact or suppress all credit reporting and remove late charges for the dates XX/XX/XXXX through XX/XX/XXXX. They did suppress credit reporting, but have refused to remove the late charges, even after I have continuously called and complained. This mortgage company has given me nothing but trouble regarding any issue I've had, and the late fees have still been piling up and attached to my account. I am seeking to have them removed, and at this point, I think the only way I can get this done is by filing an additional claim. I have attached the document in which this is explained.
Product: Money transfer, virtual currency, or money service

- On XX/XX/XXXX I received an email from Gemini.com ( Gemini ) stating I was approved for an account with Gemini - XXXX XX/XX/XXXX I received an email from Gemini stating " Your identity has been verified! '' - On XX/XX/XXXX I received an email from Gemini stating " Thank you for reaching out! 
After further review, it appears you need to initiate a wire deposit in order to verify your bank account. '' Note : I did not take further action to fund my account because the XXXX XXXX was not working and so I thought, I'd give it some time and try again later. 

- On XX/XX/XXXX I tried logging in to my Gemini account to fund it and begin trading however the site would not let me and so I submitted a trouble ticket to resolve the issue. 

- On XX/XX/XXXX I received an email from Gemini stating the following : " XXXX XXXX, After reviewing your account, Gemini has determined your account must be closed. 

As per Geminis user agreement You agree and understand that we have the right to terminate your access to Gemini and any account at any time and for any reason, and that if we do so, your rights and obligations under this User Agreement will continue. 

For more information on Geminis user agreement, please see the following link : https : //gemini.com/legal/user-agreement # account-termination. 

Although we understand you have questions as to the reasons behind this decision, Gemini is unable to disclose any further details. The risk review process is confidential and Gemini will not be able to elaborate any further. '' - An email exchange took place up until XX/XX/XXXX where Gemini confirmed that I underwent a " Risk Review Process '' ( RRP ) and refused to give further details as to why I failed their RRP. 

- I bank with many large XXXX XXXX and have a credit rating of XXXX - If I were to walk in to a XXXX XXXX XXXX branch and tried to open an account and was denied, they'd tell me why I was denied and what I can do about it. 

- Without Gemini elaborating on how they review their customers... for all I know, they do not approve of XXXXXXXX XXXX XXXX using their site/service- I hope our regulators do something prevent otheXXXX XXXX XXXX XXXX XXXX  from enduring this type of XXXX XXXX Gemini 's last User Agreement was " Last updated : XX/XX/XXXX '', per their website and I never received an email, ever, stating any of the User Agreements in the past were being updated.
Product: Credit card or prepaid card

In XX/XX/XXXX my wife lost my credit card when she went out for shopping and someone picked it up and spent almost XXXX dollars in different stores. I called bank of America and reported the fraud charges. The agent said I could rest assure that I wouldn't be responsible for the fraudulent charges. However the issue is still not fully resolved as of today. 

I called bank of america at least 5 times. I provided every transaction details and also the police report that I filed. ( I filed it 30 days after the card was lost because the first bank of america agent said it is not necessary. However the second time I contacted bofa another agent says it would be helpful and that was 3 weeks after first contact. Then the credit amount back to my account was never correct so I have to call bofa several times. Every time the agent promised they will take care of everything. The most recent date that I contacted bank of america was on XX/XX/XXXX because there was still XXXX dollar credit hadn't been added to my account. The agent worked for at least half an hour and promised this will be resolved. Then I did get an letter saying they credit XXXX dollar to my account. However I never see that credit on my statement or shown in any transactions. Then I called again in XX/XX/XXXX asking about this. The agent looked through my account and couldn't see the credit either and said that it may take 3 months so could be in XX/XX/XXXX. Now it is in XXXX already I still didn't see the credit and I just feel very disappointed after I wasted so much time. So I think filing this through CFPB may help to get this resolved. I have been using BofA cards for many years and never late for payment and I was happy with the card until this time.
Product: Credit reporting or other personal consumer reports

Dear PORTFOLIO RECOVERY ASSOCIATES LLC I am writing to formally dispute the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and in light of the recent ruling in 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 am requesting detailed validation of this debt. 

The XXXX XXXX XXXX XXXX XXXX XXXX case established important standards for debt collection practices, particularly emphasizing the need for clear and accurate documentation of the debt, including the original contract and any assignment agreements. Given this ruling, I request that you provide the following : Proof of the Assignment Contract : Provide a complete copy of the assignment contract or any other legal documentation that shows your right to collect this debt. The court 's decision in GREEN highlights the necessity for debt collectors to have a valid and legally binding assignment.

Verification of the Debt : Please provide a detailed accounting of the debt, including the original creditors name, the original amount, a breakdown of any interest and fees added, and the date of the last payment.

Documentation of My Liability : I request copies of any agreements, contracts, or applications bearing my signature that pertain to this debt.

In accordance with the FDCPA and the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, please cease all collection activities until this debt has been properly validated. I expect a written response within 30 days, as per the legal requirements.

If you can not validate this debt, I request that you stop all collection efforts and remove any negative information you may have reported to the credit bureaus. Please communicate with me only in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

My Question : On the pages of XXXX XXXX XXXX it is showing XXXX employment periods, XXXX with end dates. However, I am still employed by the XXXX XXXX and has been since XXXX XXXX with no breaks in service. Also, it shows XXXX payments as being ineligible and I am wondering why? 

MOHELA 's Response : Thank you for contacting MOHELA, In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. Due to the nature of the XXXX XXXX XXXX XXXX ( XXXX ) inquiry, we need you to speak with a XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Please call toll free at XXXX. Our hours are Monday XXXX a.m. to XXXX p.m., Tuesday and Wednesday XXXX a.m. to XXXX p.m., Thursday and Friday XXXX a.m. to XXXX p.m. CT. 

I've called this number a couple times and only received a recording. Also, their other contact number only to be asked to call back.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I do not agree to the investigation of Experian. I have never used these names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Per my consumer right 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit card

On XX/XX/XXXX I received an email from one XXXX XXXX claiming to be the Hiring manager from a real company, XXXX XXXX from Utah. She asked to interview me for a XXXX XXXX XXXX XXXX. I proceeded to interview on ( XX/XX/XXXX ) and again on ( XX/XX/XXXX ). I did the majority of interviewing on XXXXXXXX XXXX through the chat system with them claiming " our surveys on interviewing deemed text-based interview to be the best ''. I found out later on ( XX/XX/XXXX ) that I was hired and would be communicating with XXXX XXXX my coach/team advisor. On ( XX/XX/XXXX XXXX XXXX XXXX informed me that due to XXXX XXXX shipments for the work equipment needed were heavily delayed so he needed me to purchase them from their preferred retailers. He issued a check for the amount of XXXX to me and sent the check via email and it was a pdf file. I had to print out the check, endorse it, and then do a mobile deposit of the check into my XXXX XXXX account. Only a certain amount would be available on XX/XX/XXXX and the rest the next. He made me wire transfer XXXX for the work equipment. I proceeded to transfer the money to XXXX XXXX thinking it was the XXXX XXXX money. The next day, XXXX instructed me to go to the XXXX store to buy an XXXX XXXX ( XXXX $ ) for work equipment and XXXX XXXX XXXX XXXX XXXX XXXX I went in store to the XXXX XXXX XXXX store in XXXX, CA to make the purchase. Since my deposit amount limit is XXXX on my XXXX XXXX account he instructed me to use my credit card to charge for the XXXX products if the next work check will purchase and cover the rest of the expenses and I'll pay it off later. I had to print out the next check to endorse it and deposit it for the next day. While at the XXXX store for printing, he also instructed me to ship out the XXXX so they could install the software needed for work. So, I shipped the phone off to some place in Texas in hopes that I would receive the phone back for work use. I woke up the next day Thursday ( XX/XX/XXXX ) and my entire bank account was XXXX $ and the credit card charge was still there. I was confused and called my girlfriend who XXXX me XXXX $ to avoid overdraft charges from XXXX XXXX. She had called the company XXXX XXXX to inquire about the legitimacy of the job and the real company confirmed that they don't have a remote position. I then proceeded to notify my banks of the scam and XXXX. I filed the police report and later called XXXX and was somehow able to receive the money-back from the XXXX gift XXXX so I could pay off the gift cards. I later called Discover to create a dispute for the XXXX XXXX and Discover said I couldn't do anything about it since I shipped the phone off. I have photo and video evidence of every single detail listed in this incident. I'M FILING THIS BECAUSE DISCOVER REFUSED TO DISPUTE THE XXXX CHARGE FOR THE XXXX PURCHASE DUE TO THE SCAM. I ALREADY BLACKLISTED THE PHONE
Product: Bank account or service

I have been a customer at Bank of America for many years, since I was in high school, through college, now, and as I prepare to become a student again. I am constantly in a branch working with staff whose most common response is that they are unable to assist me due to restrictions placed upon them, or it has to be submitted for review. I 'm in the branch trying to find effective ways to use my account without constantly paying fees. Yet I encounter fees for going to the branch too much, for over drafting, for transferring funds if my account does overdraft. I 've overdrafted for less than XXXX dollars and am yet unable to bring my account current because the bank says they are unable to return {$70.00} in fees. In less than 6 months i have been charged more than {$600.00} in fees, almost equivalent to XXXX paycheck, this has a significant impact on my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unknown inquires listed below are unknown to me and have shown up on my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit lock feature faded out completely right after I tried to correct the lock feature not working at all. So I don't what state the lock feature is in, only that after trying to get it to toggle that it faded out completely
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the equifax cyber security breach. I believe equifax did not properly secure my data and therefore was complicit in the theft and unauthorized distribution of my personal information.
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase.com to purchase crypto currency. I added banking information to make trades. I 've tried to log in for a couple of months but I 've been locked out. I submit emails and I get canned response. But to no prevail do I get any sort of customer service follow ups as well as I still ca n't log in. I 'm concerned that they have my banking info. What can I do?
Product: Credit card or prepaid card

Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. 
Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft in 2019. A Wells Fargo Bank account was open fraudulently in my name and a loan was taken out as well. 

I have tried tirelessly to have this removed from my XXXX  and XXXX credit report. I've reached out to Wells Fargo as well to dispute this and they have not been any help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX Account Number:XXXX Please ensure that all information is accurate XXXX XXXX XXXXXXXX Account NumberXXXX XXXX XXXXXXXX Account NumberXXXX XXXXXXXX Account Number:XXXX XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX Account NumberXXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX Account NumberXXXX Please investigate and delete it from my credit report.
Product: Credit card or prepaid card

I received a text message from XXXX on sunday XX/XX/XXXX stating : Free Msg Fraud Dept : For your protection, a hold has been placed on your Barcklys-credit card. Please call XXXX.

when i called the number sounded legit.Then they ask for full credit card number. I did not enter it because i dont know where i placed the card.

I called Barclay 's directly and spoke to someone and they told me, there was no such thing of my card being placed on hold, and no note from their security team.

Scam/Phishing Alert!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information including personal information, was involuntarily divulged by this company to unauthorized users.