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

around the month of XXXX 2017 me and my wife had let a friend stay with us which had fallen on hard times. during this time while we were at work he got on are computer and ordered things using are pay pal account are user named and password were stored in are computer which gave him easy access to are information. i alerted suntrust bank when we learned of these transactions and opened a dispute with them. a provisional credit was issued to us for the claim. this provisional credit became permanent. at the same time as the provisional credit was issued more transactions were attempted taking the provisional credit away from the not authorized transactions. upon noticing this a call was made to sun-trust again to open yet another dispute which was opened and closed in a matter of 2 days and denied even tho they were from the same batch of transactions the bank approved as fraud. making matters worse the bank did not block more transactions from going threw they allowed multiple attempts at a nsf fee of XXXX to add up to more then XXXX dollars. even after emailing the bank to block all attempts from pay-pal to remove funds. after several attempts to get this fixed i received a notice of collection from sun trust bank. i called there disputes dept and was told there was nothing that could be done at this point as the matter had been given to the collection agency and i had to call them. i filed a BBB complaint against sun-trust which quickly got a response from them that now a rebuttal form was being sent and they would look into my complaint which they denied was not even possible when i called them. i sent in the rebuttal form via usps around a month ago and received nothing from sun-trust.
Product: Checking or savings account

On XX/XX/21 I was locked out of my bank account without explanation and the company demanded I send identity documents via email which is not a secure method to unlock my account and allow me to regain access to my funds. I contacted CHIME twice before sending this information over out of desperation, and despite verifying my identity over the phone I was told that nothing can be done to help me and I wouldn't be able to access my funds until I sent the information requested via email. 

It's 4 days before the holidays and this is unacceptable to lock my account and prevent access to roughly $ XXXX in funds. I have a family and without access to my hard-earned money, I have no way of providing for them. 

I have emailed chime numerous times and sent over the requested documentation and I still do not have access to my funds. 

I would like to close this account and get access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card or prepaid card

I paid my balance on my account ( ending inXXXX ) on XX/XX/2022 with Capital One and on or about XX/XX/2022 I asked for it to be closed. I waited about a month for the credit card company to send a letter/email stating the account was closed. What I received was another statement from the credit card company. They are refusing to close my account. I gave no permission to keep my account opened.
Product: Debt collection

I don't owe XXXX XXXX any money and I don't have an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

These following inquiries are unauthorized : XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 XXXX 2017 I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Product: Vehicle loan or lease

I bought a car XX/XX/2014 I went with credit acceptance XXXX XXXX I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it took me 4 more yrs to get my XXXX  right I had a XXXX XXXX XXXX XXXX XXXX and a lot more I only owed XXXX XXXX and the car lawsuit is still going on credit acceptance added fees intrest even though they new I was XXXX XXXXXXXX  so for a XXXX car they have taken XXXX XXXX from me so far and requested a nother XXXX XXXX can u please help I saw they did this to others and you sued them I am on XXXX and this is out of control
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$7300.00} XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX  Inquired on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX XXXX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 A : states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XXXX. 
XXXX, XXXX and XXXX XXXX XXXX have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There's a fraudulent account reporting on my credit report that I did not authorize. This account is the XXXX XXXX  ending in XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I was using American Express Travel website to book a hotel in a foreign country for a family holiday. I selected the XXXX XXXX XXXX. There was nothing stating on the website that this booking was " non-changeable or non-refundable ''. I mistakenly selected the dates of XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. When I became aware of this mistake, I contacted American Express and Amex Travel in an attempt to modify these dates and after several days of back and forth I was told that the hotel refused to change the dates, refund my charge or remedy the situation in any way as they told me it was a non-refundable/non-changeable reservation. I went back to the website where I book the hotel and there was nothing on the main page ( as there was with other hotels on the Amex travel site ) stating these policies. I looked deeper and saw a hyperlink on the room details section in small letters stating " room restrictions and cancellation policy ''. When I clicked on this link I found where they had hidden and buried these important terms. Had this been up front on the main page, I never would have booked with this hotel. THESE ARE UNFAIR AND DECEPTIVE PRACTICES! I have attached the deceptive website pictures and descriptions from the AMERICAN EXPRESS TRAVEL website who participate in these deceptive tactics. I continued to dispute with both American Express and Amex Travel but apparently they care more about protecting a foreign deceptive hotel then a cardholder since XX/XX/XXXX.
Product: Credit card

Recently, American Express canceled all of my credit cards and removed XXXX points from my XXXX  XXXX  XXXX, claiming that my account was linked to a company that filed for bankruptcy. 

While I did have a credit card associated with that company, I was never the owner, shareholder, or had any direct involvement in the business. However, Amex mistakenly treated my personal account as if I were part of this bankruptcy, which is not true and can be easily proven. 

I have never filed for personal bankruptcy and have always maintained a responsible credit history. Despite this, all of my cards were wrongfully canceled, significantly impacting my access to credit and the benefits I had accumulated over time. 

After contacting Amex customer support, I was able to reactivate XXXX personal card ( Amex XXXX ), but it remains under an active hold and I am unable to make purchases, indicating that my account has still not been fully restored.
Product: Credit card or prepaid card

I purchased an item from an XXXX XXXX XXXX and had a choice of paying via PayPal or a credit card. I paid via credit card and did not set up a PayPal account. However, PayPal sent me an email stating I had set up a PayPal account and needed to create a password to continue setup. This is a fraud. See attached email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Faye Servicing is the mortgage holder of my mortgage currently. They have held funds in a suspense account and applied them late which shows a late report on my credit. I called to find out why and demanded that the issue be corrected. I have not made contact with an account manager on this. The inaccurate reporting hit the bureau within the last three weeks. I need this corrected as soon as possible. The late hit is negatively affecting my scores.
Product: Credit reporting

In XX/XX/2014, I had a chapter XXXX Bankruptcy discharged, since that time until the present all of my currently open revolving credit accounts have been paid on time and never late, there are XXXX derogatory items on my credit report. Despite this earnest effort to pay everything on time and be responsible with my credit my, my credit score is still unable to exceed XXXX, despite every account on my report stating on time, never late, my credit score still remains low to poor. It seems as if the credit reporting agencies are intentionally keeping my score low, so I may never be able to obtain a loan or rebuild my credit. I am currently trying to buy a home for myself and my family and this is seriously affecting my life negatively. I have also been very cognizant of the number of inquires and accounts on my credit report in an effort to increase my FICO score, despite my efforts my score continues to remain low no matter what I do.
Product: Credit card or prepaid card

Synchrony bank closed all my accounts with them on XX/XX/2020 with no warning, I had actually used one of the cards earlier in the day. My sams club card had 11 months of cash back rewards they say are forfeited because the account was closed even though it was closed by them. They actually increased my credit limits among 3 cards in the approximate amount of XXXX the previous week I asked for the limit increase because of XXXX shopping. My care credit card was on a 6 moth interest free program as was several of my XXXX purchases on Amazon store card and pay pal credit. My credit file.has went up in the past week as a matter of fact I had a score increase on 1 reporting agency of 1 point on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Transunion credit report had negative collective items reporting due to a mistaken identity ( similiar name ). Transunion removed the negative items, but still reported them to existing lenders. I request that transunion send updated copies of my credit report to all existing lenders. This took place in XXXX of 2018. As attached below you can see a snap shot of XXXX XXXX 's transunion credit report. XXXX XXXX 's score dropped significantly in that month due to fraudulent information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}
Product: Student loan

Obtained a student loan for {$10000.00} through XXXX XXXX in XXXX for my son. In XXXX, I received notice from Firstmark Services that XXXX XXXX was no longer servicing the loan, and that they were. I began making payments to them. I have been paying $ XXXXper month since XXXX, equivalent to {$7800.00}. Today I asked the balance, and was told by XXXX that is was {$8900.00} -- which just could not be possible. I questioned XXXX, and initially he attempted to state that i had a deferment or forbearance ; I told him no, I have been paying for 5 years. He then went on to tell me, he had student loans and understand. I understand being ripped off. I asked to note that I would get an attorney or go to the media. He said ok. I asked what happens to my complaint, he said oh, he just notes I was unhappy, or something to that effect. I asked who was over this company, he did not know, tried to say he represented XXXX XXXX, or other " conglomerates ''. I said so you mean to tell me, it takes five years to payback only {$1500.00} out of {$10000.00}? This can't be legal. Transferred me to a supervisor, XXXX. Not someone you want to talk to, he clearly has said this hundreds of times, his answers were mechanical and rehearsed, trying to throw statistics at you, and interest rates, not at all caring how he impacting someone's quality of life. He then stated that this is what I signed with them, and i said my agreement was with XXXX XXXX, not with you. He said they are upholding that agreement. I want the agreement that was signed by me with XXXX XXXX, where is that agreement? I asked what body was over him, who are the Board of Directors ... .deflecting, no answer. I told him nevermind, I would find another avenue to address this problem. This can not be legal, it just can't be to rip people off like this. Who do I need to appeal to have this addressed?
Product: Debt collection

I am currently in the process of trying to get a mortgage loan to purchase my first home. As all are aware the first step in the process is to pull a credit report. At the end of XX/XX/2020, I did just that, noted a few outstanding items that needed to be taken care of. None of which were for a collection. Fast forward to a few weeks later and I get an alert that my credit score had dropped due to a collection on my report, the company reporting the collection was listed as ERC with the original lender being XXXX XXXX XXXX, and had a date listed of XX/XX/2020 as the date the account was opened. I immediately called to find out what this was for. They said they were collecting a debt on behalf of XXXX and that if I paid they would remove the collection and send me a letter confirming it was paid and removed. Clearly Ive never dealt with this before so I blindly trusted. They also had an old address on file that I didnt even live at. I told them what my new address was so they could send the letter there. After I gathered the information on the account I paid the account in full. Fast forward to end of XXXX and the debt is still on my credit report has now been reported to another CA and my score has suffered greatly. I have now contacted XXXX who said that this balance was cycled through a few different collection agencies ( why had I never gotten any notices? ) and that ERC was the last to receive it. What makes no sense and is pretty unfair is that I received no notices about this collection, but somehow they were able to upload dunning documents on their portal after the fact that lo and behold now have my updated mailing address. None of which were ever physically received by me. I also never received a phone call. The only way I knew this was something was when I pulled my credit report and even then it wasnt there the first time I pulled it. Im also confused at the way this debt was handled, why did I never receive a notice from any of the other collection agencies, if this debt was being collected on behalf of XXXX why is XXXX telling me they have no control over ERCs practices. The only thing XXXX is saying they can do is request a paid in full letter be sent to me from ERC. I know that everyone is just doing their jobs but what they dont realize is that doing their jobs incorrectly is potentially costing me the ability to purchase my first home. I dont understand how its fair to report a collection when you wont even probably reach out to the person who owes the debt. Youre not giving them a chance to amend anything.
Product: Debt collection

My debit card was stolen and someone used my card without my permission, my bank refused to reimburse me because some used my PIN number
Product: Debt collection

XXXX XXXX 2015 i recieved a letter from XXXX stating that they have cancelled the following account 's from their active collection files and we 're removing the accounts if they were listed on my credit file. The client name is XXXX XXXX. The account # is XXXX. Date of service XXXX. Balance is {$2000.00}. At the time i recieved this letter from XXXX i was paying a law firm by the name of lexington Law to help me rebuild my credit XXXX items had been removed from my credit and when i got the letter in my mind lexington law had handled this for me so i kept the letter in my personal files until now. I cakked XXXX XXXX last week to get electric services in my name at my apartment i was told by them XXXX that i was showing an outstanding balace if {$2000.00} i wad provided with the number to indentity.gov. i thought XXXX had given me the wrong number so i called the number on the letter fron XXXX when i spoke to seversl of their customer service reps i was informed that they had no record of anything regarding me and removal of my account from their active collection nor removing any amount if mobey from my credit file. After speaking with the customer service rep from indentity theft.gov they provided me with consumer finance.gov and i was directed to file a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions