23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.
Product: Debt collection

Received a letter from Collection Department ( XXXX ) XXXX, XXXX XXXX XXXX : Account Number XXXX Current Balance {$120.00} Payment Due {$35.00} Dear XXXX XXXX We are writing you about your monthly credit card Payment Goes on to say its past due, phone XXXX to talk about payment First Bankcard I do not owe this. I have never had a First Bankcard. I called the REAL First National Bank of Omaha Bankcard They have no record of this account XXXX They have no XXXX XXXX XXXX They have no phone number XXXX They thanked me for bringing this scam to their attention I imagine some scammer sent out thousands of letters like this figuring since its a small amount a lot of people would just go ahead and pay it The real FirstBankcard said to ignore this I am reporting it to the FTC So you can be aware of it and possibly find out who is sending these scam letters out Many people may fall for it There are new scams all the time This is a new one for me I have no overdue credit cards & a high credit score so I knew right away it was a scam The real phone number for the real First National Bank of Omaha is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX,2021 ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent inquiries that I did not authorize. These inquiries are not mine, and I have no connection to them. These inaccurate inquiries are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience.
Product: Credit card

This debt is considered a charge off. However this is actually considered income because i should have received a XXXX XXXX in order to account for this as income. this is not a charge off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke w/ XXXX at PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with PDM or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/16 Amount : {$180.00} Action Taken : Asked for evidence for the authentic contract and or application on file that created the alleged debt.
Product: Debt collection

I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my Transunion Credit Report indicated the presence of a credit card account with XXXX. While it is accurate that I maintain a XXXX XXXX XXXX account, I have never been consulted about or consented to the opening of a XXXX credit card associated with this account. 

Interestingly, the XXXX website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your XXXX XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.
Product: Credit card

I signed up in XX/XX/year> for a Chase Sapphire Reserve so I could get the XXXX points to travel. They charged {$95.00}. in XXXX. I called and said I didn't get a card. I only have 3 months to complete the spending requirement to get the XXXX points. 
They said they sent it, I said I didn't receive it. They continued the 'did to, did not ' for 2 levels of escalation. 
I left for the summer having to use a cards from XXXX XXXX and XXXX as Chase NEVER sent the card. As I was out of the Country and later out of State I NEVER had a chance to use the card that never arrived ( last XXXX is XXXX ). I have no idea what the entire number of the card is as I never received it. 
I called again before I left to try and get a card and a new time start on the spending period required to get the miles. They answered a hard NO. 
I called again today having returned from out XXXX XXXX XXXX XXXX XXXX XXXX.

My brother was here. The Card NEVER arrived.

Chase is refusing to refund the {$95.00}. application fee and refusing to send me a card with a new time limit on it so I could earn the miles. 
I said I needed the miles over the summer not now. I want to get a refund and close the account on the Card that never arrived. I escalated two levels today. She said she wouldn't give me a card ( transferring the {$95.00}. fee ) with a new start time nor give me a refund of the {$95.00}. for the card they never sent,
Product: Credit reporting or other personal consumer reports

I have submitted to the credit bureau to have a debt from XXXX XXXX XXXX removed several times. The debt collector has re-aged the debt. I have sent evidence of this, yet the credit reporting agency has not removed it. They keep stating that the debt buyer is correct. The last date of payment to XXXX XXXX  was XX/XX/XXXX. The account became delinquent on XX/XX/XXXX. No further payments were made to XXXX. The balance at the last statement ( XX/XX/XXXX was {$1200.00} ). XXXX XXXX  to did not close the account until XX/XX/XXXX. In the remaining XXXX  months before XXXX charged off the account it accrued {$2900.00} in late fees ( {$40.00} per month ) and interest. I did not use this account during that time nor were any payments made. I currently also have a complaint against XXXX for this account as well as I have asked them to remedy this situation as well several times. Re-aging a debt is illegal and is causing difficulty for me to buy with credit as well as my ability to rent a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reached out XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 in regards to debt validation. I received letters each time stating they have validated the debt as mine without providing proof of validation. When I reach out to these individual companies myself, they also fail to provide proof.
Product: Debt collection

I C System Inc. tried disputing account not mine third party collection trying to contact multiple times. No validation or response
Product: Money transfer, virtual currency, or money service

I have used PayPal for more than one year and i have always kept in mind my the policies and terms of PayPal. My business was also running great and i also decided to open an LLC in the united states to further expand my business and also try new businesses.

Today i woke up and saw an email from PayPal Which said " You can no longer use PayPal '' " we decided to permanently limit your account as we found potential risk associated with it. '' Without any warning, without letting me explain myself, they have closed my account, in my head i dont think i have violated any terms or policies. and i can also show proof for all of my transactions which took place.

I had funds in account of {$360.00} and a customer also had to pay me {$250.00} for a website that i sold on a platform called XXXX. i can not now pay for my hosting, plugins and domains, as my account is banned with any reason : (
Product: Credit card or prepaid card

On XX/XX/XXXX, I signed a contract to purchase a heat pump from XXXX XXXX. XXXX XXXX had referred me to XXXX XXXX XXXX who came out and did the quote and the subsequent installation. After rebates, the total amount came to {$14000.00}. Part of the contract was a 24 month no interest credit card from XXXX XXXX. I applied for the card using the on-line website that the individual who did the quote had on his laptop. My first bill had a statement date of XX/XX/XXXX, making my last payment statement date XX/XX/XXXX. I set up an automatic payment of {$620.00} per month, which would equal {$15000.00} over the 24 months. Once set up, I did not look at any on-line statements or otherwise check the account. A few weeks ago, I went into my on-line account with HDCS and much to my surprise, I saw a balance of {$3100.00}. I was expecting something less than {$700.00}. After researching back my account, it appears that XXXX only gave me 12 months free interest. On the statement of XX/XX/XXXX, all back interest, totally {$1800.00} was applied and then monthly interest from then on. 

I called XXXX on XX/XX/XXXX and asked what was going on. They would not reverse all the interest charges, despite them breaking my contract, because they said too much time had passed since XX/XX/XXXX. They did reverse three months of interest and I specifically asked them to make a note on my file that I was not satisfied with this result. 

Unfortunately, I never received a paper copy of my initial application, I assume because it was done on-line, but I distinctly remember the quoter pointing out on the form where the 24 month interest free was stated. HDCS could not provide me with a copy of my electronic application when I call. I also reached out to XXXX XXXX XXXX and XXXX XXXX and neither could provide me with a copy. This seems very strange to me. 

I believe HDCS did not process my original application correctly and entered 12 months rather than 24 months. You can see by my monthly payments that I was expecting 24 months. If I knew it was only been 12 months, then I would have changed my payment to {$1200.00} and been done before any interest was charged. 

I did reach out to the Vermont Attorney Generals office and they referred me to you. I hope you will have better luck getting the interest reversed. I have attached a file that shows the specific transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RESOLVE Partners is continuing to furnish inaccurate information on my consumer report. A second Adverse Action Notice was delivered on XX/XX/2022, in regards of the credit application with XXXX XXXX On this second Adverse Action Notice it states that I have multiple collection accounts as well as other delinquent accounts that is not accurate. I've sent notices to RESOLVE Partners about this inaccuracy reporting, and the issues has still not been resolved. RESOLVE Partners is also still furnishing inaccurate information about me containing that I have a XXXX XXXX on my consumer profile as well, all of which is 100 % inaccurate!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$48000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

It's against Bank of America : I sold a used old car and i get paid by a check, I deposited the check in my bank account and after it shows the amount in my account, I delivered the car. 
after few days, the check bounced back and my account became by minus, and the bank closed my account
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I received a notification from XXXX stating my XXXX  decreased in XXXX points. I've tried getting in contact with the bureau but I've had no success. All of my payments are on time and paid in full. 

On the XXXX app, I compared reports from XX/XX/XXXX and XX/XX/XXXX. The balance of the Discover bank account increased by {$180.00}, but I always pay My Statement balance in full each pay period.
Product: Credit card or prepaid card

I have a very hardship and was sick for a long while during the pandemic. The charges of BJ 's master card issued by Comenity Bank are extremely high and quite amount of charges can not be found in the charges of my BJ 's orders on BJs ' website. I have no energy to check the charges and am stressed out as afraid that my family to catch the virus from me when I was sick. I still have no energy now to check all the charges, but tried my best to pay off $ XXXX balance though I am short of money. I contacted the Comenity Bank to ask them to waive the late fee charge $ XXXX because I had a very hard time and paid off the balance at one time. Some item I ordered from BJ 's was not shipped to me because of out of stock and was not refunded me as I was told in XXXX. I doubted quite amount of charges in my account, but I did not ask them because I am sick and have no energy. But I was extremely upset as I got the Comenity Bank 's replies. In the first reply, they lied to me, saying there is no late fee charge in my account. In the second reply, they lied to me again, saying they didn't charge me late fee, it is master card 's charge. a lie. In the third response, they said I should pay on time without any mercy. Since I have been their customer more than 6 years ago, I always pay on time. During this hard time, I am sick and have no energy to question the charges as they are extremely high and quite amount of charges are unrecognized. I understand that they are having high amount of business to handle though BJ 's customer service did not respond to my emails. I paid the large amount balance at one time and need to submit my doubts/debates when I am recovered and have energy. I am so kind that I did not want to debate the unrecognized charges now because it seems that the BJ 's people are too busy to respond to my emails these days. But Comenity Bank is so cold and take advantage of people during this hard time. 
I submit my complaints against Comenity Bank to you and hope you can tell this Bank to be a good citizen, not just XXXX up people during this hard time. I ask Comenity Bank to waive the late fee charge {$32.00}. Please help me and other people because they are doing bad things to other consumers too.
Product: Debt collection

I am interested in filing disputes for all inaccuracies on my credit report with Equifax.
Product: Mortgage

I contacted Bank of America to inquire about a Home Equity Loan XX/XX/XXXX.During the intake of my information, the representative said that it would help my loan process if I had a checking or savings account with BofA.On that call, he pressured me to make an appointment to open accounts at the local branch. I went and opened checking and savings accounts.I asked the initial representative, the branch representative, the mortgage specialist and his manager if my credit would be an issue for approval, as I incurred late payments when my previous bank/mortgage accounts were sold by XXXX.They all said, it would not be an issue. I indicated that I needed to be sure because I was applying for a home equity loan ( on a house I own a 100 % of-no mortgage ) to pay an unexpected income tax bill.They all assured me to continue with the process.Today I received a denial for the loan.When I asked to speak with someone, XXXX XXXX ( who previously assured me it would be fine ) told me that Bank of America would NEVER approve a loan when an applicant had a late payment to a former mortgage holder. They saw my credit report when I started the process and lied to me the entire time.They pressured me into opening bank accounts and applying for credit cards.I feel that they have deceitful and dishonest business practices.I complained about the specialist assigned to me to XXXX XXXX, that he was unresponsive and told me that if I wanted a quick turn around I should have applied to a smaller bank because they have less customers.After my complaint, he treated me worse, sat on paperwork and was not responsive.Now 6 weeks have passed and I am no closer to having a way to pay my income taxes - except now, my credit score has been lowered due to the hard credit inquiries from the credit card they pressured me to apply for and the loan I ultimately did not receive.They have added themselves to my homeowners policy as a XXXX loss payee without approving me for the loan.They have wasted my time for 6 weeks.I corresponded with XXXX XXXX on XXXX XXXX and she NEVER said they do not approve loans if you have been late paying a prior lender ( even with a valid explanation ). I was full disclosure about this - because I was worried it would have an effect. I am feeling like they must have quotas to submit for applications and to open accounts and used me to fulfill their requirement only to mislead me.