23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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
Product: Credit card or prepaid card

on XX/XX/XXXX I try to use my rewards point, american express refuse to let me use the rewards i earned on each credit card because the account was suspended. They took all rewards and instead of being separate by card all cards show only one credit card rewards. I demand full cash refund if the are not allowing me to make reservations online.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$0.00} ; XXXX XXXX Inquiry : 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I did receive a timely letter dated XX/XX/XXXX from XXXX XXXX XXXX that my account ending in XXXX was sold to LVNV Funding in the amount of {$710.00}. I ignored it as a scam, or someone trying to get personal information. I never had a bank application from XXXX XXXX. I never made a transaction. I never received a monthly statement or bank card from XXXX XXXX. My wife nor I had no such account. 
I did receive a timely letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating LVNV is offering me a discounted offer of {$700.00} in 6 payments of {$110.00}. 
I did receive a timely letter dated XXXX XXXX, XXXX from XXXX and XXXX XXXX. stating I owe LVNV {$840.00}. 
These 3 letters are the only items I received, I received no emails and filed them with a picture of my XXXX XXXX XXXX bank card with my account ending in XXXX that expired in XXXX XXXX. 
I received a garnishment letter from my employer on XX/XX/XXXX in the amount of {$960.00} ( incl. court costs ). I requested a hearing, it was on XXXX XXXX. The Magistrate at my Municipal Court didn't provide me any more information than I provided here. I didn't see anything he had except he showed me a sealed certified letter that had my name and address on it. He said the prior Judge XXXX signed the order in XXXX and there is nothing he can legally do. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was polite and said a Debt Verification letter will be mailed and to call back when I receive it to explain what I'd like to from there. I called back on XX/XX/XXXX because I haven't received it. She said I should have received on the XXXX. 
I called XXXX and XXXX on XX/XX/XXXX to request a Debt Verification letter. 
As of XX/XX/XXXX I still haven't received a letter.
Product: Credit card or prepaid card

I signed up for the Bank of America XXXX XXXXXXXX credit card, approved on XXXX XXXX 2023 with an offer of XXXX bonus miles if you spend XXXX in the first 90 days. I did not receive the credit card until XX/XX/XXXX, aster multiple calls asking about it and having a new one reissued and finally mailed to me. I called today to extend the 90 day period to spend the XXXX and get the miles and was told that they can not extend this, it is a violation of the federal fair lending act and there is nothing they can do. This is such a scam and the complete opposite of fair lending practices, I now have 30 days to rack up XXXX so Bank of America can charge me 22 % interest. This is truly egregious and not fair.
Product: Checking or savings account

My son asked me if he could get somethings on XXXX only. Said you can get {$3000.00} only. I went into the hospital. When I got out of the hospital I went to use my Wells Fargo debit card and there was {$4.00}. I disputed it with the bank. Not sure if they understood that I ok 'd only {$3000.00} not XXXX. I'm broke and homeless now. What can I do to get my money back. He left me homeless and without a car. The bank did as well by not reimbursing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.
Product: Money transfer, virtual currency, or money service

My friend asked me to cash a check for him because he did not have a bank account and he owes me money. He signed it but I did not endorse it correctly or something. Since then they have frozen my funds and closed my bank account. I have been on the phone with them for over 24 hours total. I have brought in my friend with his identification and they told me a check was already sent to my address. Now they are telling me I have to bring him back in and no check was issued. I am about to lose my car and possibly be homeless because of this. He lives far out of town and it was very difficult to get him in the first time. I have been given conflicting information from the bank and on the telephone multiple times. Like if I come in to the branch they could issue the check to me, I go to the branch and they tell me it has to be mailed to me. Now I am told I need to get him in to the branch again to have it issued because it never was in the first place even though I was told by the banker it was issued and mailed to me on the XXXX of XXXX. This has affected me negatively in so many ways I am sick to my stomach from it. I am seriously about to lose my car and living arrangement. I don't know what to do. They are asking me to do the same stuff I have already done to get this handled. My accounts have been closed against my will and my funds are in limbo it seems. The check was for {$5000.00}. Please help. It was at chase bank at XXXX XXXX  XXXX in XXXX, Washington XXXX. I have done everything they asked and now they are asking me to do it again and again. My name is XXXX XXXX Thank you.
Product: Debt collection

Recently, I have pulled out my credit report and I am so amazed about the unauthorized accounts on my credit report. I believe that I have never had any outstanding debt with Discover and I have never any type of communication regarding this fraudulent account.Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A remark was made from XXXX XXXXXXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXXXXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXX XXXXXXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.
Product: Credit reporting or other personal consumer reports

I tried to log in to make a payment on my XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XXXX XXXX XXXX I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXXXXXX XXXX  support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the XXXX to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the XXXX major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked to see if I was part of the Equifax hacking leak on XX/XX/XXXX using the Equifax provided checking link. I received a mediocre response in that they said i " might be affected by the hacking ''. This is unacceptable it should be a yes or no response. Also, I asked a friend to check to see if they were effected by this incident using the same Equifax checking website and their response was identical on XX/XX/XXXX a few hours after I had check if I was involved. I believe this to be a fraudulent response from Equifax.
Product: Student loan

On XX/XX/2022 I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver when they clearly have not. This is happening to thousands of borrowers and it is causing huge stress and trauma. This is just another example of abuse that student loan borrowers have been under with this loan servicer. After years of being lied to by XXXX and Fedloan about the PSLF program this is just icing on the cake of XXXX. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORTS. IT HAS BEEN OVER THE XXXX YEAR STATUE OF LIMITATION MARK AND THIS SHOULD NOT BE REPORTING ANY LONGER. 
I HAVE ALSO HAD XXXX XXXX XXXX XXXX OVER XXXX YEARS AND WON IN COURT AGAINST XXXX XXXX SO FOR THIS REASON ALSO THIS ACCOUNT SHOULD ALSO NOT BE ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Score sense and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Product: Checking or savings account

PNC has problems linking services such as XXXX or XXXX.
Product: Debt collection

I disputed information with the company in XX/XX/XXXX due to services rendered I did not agree to have performed. This has been in dispute for awhile and has not negatively affected my credit in a long time and I have good credit. I was attempting to clear this up on XX/XX/XXXX when a lady answered. I asked them about sttling and they said no in a very angrily voice. They asked me for my current address which I did not feel comfortable giving out. They told me very rudely, you will never be able to get a loan or fix your credit with this on there and then they hung up on me. I was going to pay regardless, but the lady would n't even give me the time to do that. I called back and spoke to someone else who was nicer and she said the same things to me about this is going to negatively affect me and ill never be able to get a loan. They also said they tried sending me letters which I never received. I had my mail forwarded to my new address and did not receive anything. They never tried calling me either and I have the same number I 've had for years. They tried telling me about Florida law and mailing medical bills to which I continued to ask if I can just pay the bill already so I did n't have to be berated anymore. I paid the bill total of XXXX. I would like to make sure I receive something in writing stating my debt has been paid in full and the dispute status has been removed. I did not give them my address at the time due to all of this and they told me they could n't email me either. After all of this I started to second guess why I paid this as i felt my credit was threatened and things would not go the way they said.
Product: Debt collection

Hello ; how can you be late 120 days on collections account for {$800.00}? Isn't the collection account by default late and past due? This is a violation of FCRA and it's causing this account to illegally re-aged. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from XXXX  XXXX  that there was an HARD INQUIRY on my credit report from American Express credit card that I applied for a credit card on XX/XX/2019. I DID NOT apply for an American Express credit card. It put a ding in my credit score I dont need. I contacted XXXX  which the Hard Inquiry showed up on my credit report and they said I had to contact American Express. They gave me the phone number to American Express ; however it was just a BUSY single the whole time. I tried another number to contact American Express and to talk to a human being you have to have a credit card number, I dont have an American Express Credit Card so that was no help. I want to know what information was furnished to them that whom ever applied for this credit card in my name is identity theft cause it wasnt me. I did not apply for this credit card and would like to have this HARD INQUIRY removed on my credit report. Can you please help me with this issue?
Product: Checking or savings account

My account was closed over XXXXXXXX XXXX. I have contacted Wells Fargo customer service and was told to go inside the branch for help. I did do that and the problem was not resolved. I also was charged monthly fees in the pass with having this account.
Product: Credit reporting or other personal consumer reports

You have indicated that there was a reported late payment on my Bank of America card for one month. I would like to clarify that this information is inaccurate and appears to be a mistake. I am diligent about managing my financial obligations and consistently make timely payments. I did not receive any notifications regarding a past due or late payment, whether through email or regular mail. It's important to note that I have a history of promptly settling my bills, and the account in question has already been paid in full.
Product: Student loan

My XXXX XXXX XXXX student loan was set to come out of forebearance and begin repayment on XX/XX/XXXX. The current servicer of this loan is University Accounting Services ( UAS ). I made my first call to UAS on XXXX, since I noticed on the first bill they sent me the first payment was for the full amount of interest in the amount of {$1200.00}. I asked them to add that on to my principal balance because I could not afford that kind of payment all at once. The team lead I spoke with assured me that they had to look into this but would get back to me within one week. On XX/XX/XXXX, I wrote them an e-mail to follow up since I had heard nothing, again the response was we are still working on it. I have since heard nothing despite contacting them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They claim that XXXX XXXX XXXX the original creditor has to make this decision and has not gotten back to them, they both have literally had almost 5 months to respond to my request. My concern is they are reporting this to the credit bureaus as late or past due or not paying as agreed, which will then negatively affect my credit scores. I am fine payinig what I owe within a reasonable monthly payment, but I can not afford to make a {$1200.00} payment all at once. We are in the middle of a pandemic and inflation is quite crazy for basic things like rent, food and gas. This is poor service from both XXXX XXXX XXXX and University Accounting Services. I need a resolution ASAP.
Product: Bank account or service

I was checking my account and I had some withdrawals from my account and I know I had n't been to these places and withdrawn any money. So I went to the bank and filed a fraud on my account. After filing a complaint with the bank, the bank said I had to file a fraud incident report with the police, so I did that. The policemen contacted the bank to get the paperwork and got subpoena to pull the video. Once the policemen subpoena the video from the store, the store clerk told the officer after 30 days the video records over what was on video. The officer contacted me to let me know what had happened. So I ask the officer could I get a statement and gave me the statement. But the bank said they 're not responsible for the withdrawals, because whomever use my PIN number and the decision still stands, they was n't replacing my money and it not insured when your personal PIN is used. This happened back in XXXX when I filed the fraud report. I have done everything the bank ask of me, still no money. XXXX dollars was taken.
Product: Mortgage

Roundpoint mortgage bought my loan and became the servicer of my loan on XX/XX/2023. They automatically assumed ACH payments. I requested bi weekly withdraws. for three months they have obfuscated the process and made changes to what was communicated as the " policy '' such that the payments have yet to be withdrawn on a bi weekly basis. Whenever customer service is called there is always a " firewall '' between me, the customer service person and the back office management such that the issue never gets resolved. they have not responded to emails and documents provided although notes on the account during discussion revealed they have been received. They have refused to provide emails or call back numbers to directly resolve issues. 

The delay tactics are purposeful and serve to increase the interest payments they receive while the set up is incomplete.
Product: Mortgage

I was told verbally that my loan is eligible to receive mortgage assistance but the servicer is stating that this investor doesn't award mortgage assistance at all. I have supplied 2 offers but due to XXXX I became very ill. I have asked for either of the 2 offers that are telling me that they have no record of the approvals I have submitted them as evidence. The stated that the XXXX does not qualify, All I ask is that they modify the loan and keep me in my house.