23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was admitted into the hospital for XXXX while having medical insurance, which then was diagnosed with a condition due to them giving me too much antibiotics causing me to stay longer. The hospital never informed me that I could get financial assistance if I could not pay the remainder and now its too late. Soon after, I was unemployed and now Im being harassed by the Collection Agency. Per 15 USC 1692c ( c ) I would like to have this removed from my credit report.
Product: Credit card or prepaid card

I was charged for purchases made in another State on the other sude of the Country. I went food shopping at XXXX in XXXX Pennsylvania on XX/XX/23 where i live. XXXX hour later I noticed a chatge for XXXX cents. So i open the card app it says the charge was made in California. Soon after I had gotten an text message from Cash app asking am I trying to make an XXXX dollar purchase at XXXX in California. It gave me 2 options. Select yes its me or no its not me. I selected no. And it said the charge was canceled. So I quickly locked the card. And seconds after I locked the card another purchase for XXXX dollars at something called XXXX also located in California got denied because i had locked the card. The next morning I noticed the XXXX dollar purchase went through. Even though I selected it be denied. I contacted Cash app support they proceeded to submit an claim. Tody I got the email denying my claim. Saying I made the purchase. 
I need help. I can prove i live in XXXX and that i was in Pennsylvania when the transitions were being made in California. Also. I do not have any app on my phone to allow easy payments such as XXXX pay or any of thoes. Never have I ever had any app or service like that. They tried a small payment first then started charging my card somehow. I know XXXX is not a lot to some. But I dont have a savings. My paycheck is my income. Im shocked in Cash app for not showing any care or concern. Especially when I have been with them for years and I get my paycheck direct deposited in that account. 
Unfortunately I had to change my payroll information i dont think Cash app is safe. I can get any kind of proof you may need. Please help me. 

Am i stupid or something. How can you use a cash app card in Pennsylvania to purchase from a XXXX in California. Like do they deliver to Pennsylvania or something. I feel like im loosing my mind I think its obvious that those transactions were fraudulent. But I will provide anything you need to get help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE
Product: Checking or savings account

The check I deposited to my Wells Fargo account on XX/XX/23 for {$5700.00} cleared. It even shows as cleared on my Wells Fargo statement. Yet Wells Fargo claims it didn't clear and that was cause for closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dispute on XXXX. Results Date : XXXX. 
Dispute Results - Remains Dispute Reason : Not Mine. Do not identify. Incorrect information, In-correct Name and Address information added to my credit report by these companies. 

Collections : XXXX XXXX XXXX - {$13000.00} XXXX XXXX XXXX - {$900.00}. 
XXXX XXXX XXXX {$1500.00} Loan and Banking : Dispute Reason : Do not owe money. Paid in Full. Unauthorized Charges. 
XXXX XXXX XXXX - {$3900.00} XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX   XXXX  XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$400.00} Auto Loan Account : Un-authorized charges. Incorrect Balance and Payment info. 
XXXX XXXX XXXX XXXX - {$33000.00} Hard Inquiries : Dispute Reason : Not Mine. Do not identify. Incorrect information, Never gave permission to run credit. 
XXXX XXXX XXXX XXXX
Product: Credit card

I booked a trip from XXXX XXXX Texas to XXXX XXXX Nevada through American Express Travel on or about XX/XX/2023. 

XXXX. ) I was immediately charged for the entire trip, even though it is XXXX MONTHS away. Usually you pay the hotel upon check out.

2. ) I booked an American Airlines ticket as well.

3. ) Due to surgery complications, I can not travel. 
XXXX. ) I called to cancel and was told it was not refundable. 
XXXX. ) I booked and paid with my AmEx, a similar XXXX trip last year, and was told the same 'non refundable ' policy. 
XXXX. ) Amex told me last year, " if you booked with Amex you wouldn't have this trouble. 
XXXX. ) This current trip, Amex uses XXXX as their subcontractor. 

I know, I'm getting a doctors verification, but what the XXXX is going on with Amex? 

Greedy advance payments? 

Lying to customers? 

This is not the AMEX I once knew and loved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the GLB ACT and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX XXXX 5, XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX  10. XXXX XXXX XXXX  11XXXX
Product: Student loan

On or about XX/XX/XXXX, MOHELA endorsed and cashed a check for {$2600.00} that should have been applied to my loan account. The check was mailed by employer, the U.S. government, to the correct address for such payments at the time ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). However, MOHELA has failed to apply those funds to my account. I first called MOHELA about this issue on XX/XX/XXXX. I spoke with a representative who said that they had identified the payment and that it would be applied to my account within a couple weeks. Several calls and several months later, I learned that nobody at MOHELA had submitted a proper research request to have the payment applied. On XX/XX/XXXX, I confirmed that they had opened research request # XXXX. Still, however, the payment has not been applied. In the meantime, I continued making my regular monthly loan payments, and in XX/XX/XXXX my loan account was paid off. This means that MOHELA NOW OWES ME MONEY. They need to apply the {$2600.00} check as of XX/XX/XXXX ; reconcile the loan account ; and refund me my money immediately. 

I previously submitted a complaint to the CFPB about the same issue ( complaint # XXXX ). MOHELA 's response was essentially " we're working on it. '' But they haven't done anything to resolve the problem. They have similarly stonewalled complaints that I've submitted through the XXXX XXXX XXXX, the Department of Education, and even my congressional representative. I'm tired of the lies and simply want my money back. It's absurd for me to have to wait more than a year for them to do their job.
Product: Credit reporting

Credit agency ( Trans Union ) has reported an installment loan from a " sub prime '' lender ( XXXX XXXX XXXX ) that negatively effects my credit rating ( which does not belong to me ) and claims they have verified with XXXX XXXX that the transaction is mine. I tried to contact XXXX XXXX XXXX at the address given XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX ) and there is no XXXX XXXX Office in that town and the phone # sounds like a fax signal. Trans Union offers to submit dispute electronically ( XXXX time and expects to get a different response ) but will only submit Social Security number info ca n't or wo n't ask for contracts or name and address or any other pertinent information. So the disputed transaction ( even though the account is closed and does n't belong to me ) stays on my credit report as a negative factor.
Product: Credit card or prepaid card

Called Home Depot to request a copy of a receipt or charge in 2002 for XXXX ( XXXX XXXX XXXX XXXX ) because XXXX  XXXX ( XXXX ) refuses to honor the warranty if I cant fond the receipt even though I initially registered the product. According to XXXX XXXX XXXX , Home Depot Credit only maintains record for 2 yrs. I was sent given several telephone # ( s ) to call, hold time ( terrible service ) : XXXX ; XXXX ( given 2x-called on 2 separate occasions-one with CSR ) ; 1st time, a female named XXXX claimed doesnt have the capability to look up the information & transferred me. Filed a complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them.
Product: Credit card

On XX/XX/XXXX I had made a purchase in the amount of {$1400.00}. I have recently become aware that this balance has not changed, even though the promotional plan terms specify how the payments made since then would be allocated between a carried balance and the promotional balance ( I am including this below ). When I called the bank 's Customer Service line, they told me that even though it is their error, they could only reallocate the previous month 's payment to conform to the published terms, and not apply this retroactively to all of my payments made this year. They will bill me all of the deferred interest if this promotional balance is not paid off in full by XX/XX/XXXX. 

From the text of the billing terms ( attached below ) : Deferred Interest, Payment Required : No interest if paid in full within XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX months. Interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in full within the promotional period.

Promotional Plan Information : If you do not pay each plans remaining balance by the expiration date, any remaining plan balance and accrued interest ( if applicable ) will be added to your regular balance on your next billing statement. 

Promotional plan information is accurate as of your last billing statement date. Please review your most recent statement for detailed information. 
Plan Name : Plan XXXX - XXXX Plan Balance as of Last Statement : {$1400.00} Expiration Date : XX/XX/XXXX Review the " Details of your plans '' section of your monthly billing statement or the Promotional Plans section of the Home page for more information. 

More Info When you have XXXX or more plans in addition to your credit account, your payment is automatically divided between your plans minimum due and your credit account. To learn more about your plans, visit the Promotional Plans page.
Product: Checking or savings account

Ally Bank froze my accounts ( with a total of XXXX {$15000.00} ) on the grounds that I had suspicious transfers when the only transfers conducted were between my own external accounts under my name. They have been holding my money hostage for over a week now since XX/XX/XXXX and have provided the same boilerplate XXXX days response from their customer support team every time I called them after I've provided everything they've asked for. 

I use my Ally account for moving money around between my own accounts and I need this money now especially with the holidays coming. This is causing me financial loss by the day and Ally bank has refused to either provide a clear explanation of why my account was frozen or a timeline of when the " review '' is going to be done.
Product: Credit reporting or other personal consumer reports

XXXX reported me late on XX/XX/year> as 30 days late on my Equifax thats incorrect. 

XXXX reported me 30 days late XX/XX/year> that's incorrect I paid on time XXXX reported me XXXX days late on XXXX and XX/XX/year> that's incorrect I paid on and all late payments should be removed off this account I did not authorize or accept on of these late payments that goes against my rights In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Credit reporting or other personal consumer reports

This account contains several inaccuracies that falsely manipulate the statute of limitations. Your failure to investigate this account properly has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 
Specifically, you have violated 15 U.S. Code 1681c, which requires accurate reporting of information, and 15 U.S. Code 1681b ( c ), which governs the permissible purposes of consumer reports. 

I demand the deletion of the following account : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to my credit report regarding two accounts that have been paid in full. According to the creditor 's policy and in accordance with 26 CFR 1.6050P-1, these accounts should reflect a balance of {$0.00}. 

Below are the details of the accounts in question : Account Holder : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Original Amount : {$46000.00} Account Number : [ Your Account Number ] Date Paid in Full : [ Date of Payment ] Account Holder : [ Your Name ] Creditor : XXXX XXXXXXXX Bank Original Amount : {$1000.00} Attached to this letter is a copy of the filed 1099-C, which confirms that these accounts have been paid in full. 

I kindly request that you update my credit report accordingly to reflect the accurate status of these accounts as paid in full with a balance of {$0.00}. Your prompt attention to this matter is greatly appreciated. 


Thank you for your cooperation and prompt action regarding this matter. 

Sincerely, XXXX
Product: Checking or savings account

My account was restricted by Bank of America. I called multiple times to lift the restriction so I can withdraw and make payments using my checking account. However, as of today, I am still unable to use the cash in my account despite everytime the agent promised that " the problem has been solved ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify. 
This was done through a company called XXXX XXXX, and the amount was for {$2400.00}. 

I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather. 

I reached out to XXXX XXXX via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective. 

I called XXXX XXXX and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted. 

In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to P and B Capital Group and asked it to be removed and explained the above. They requested an email with the police report and a description of the details. 
I obliged. No further action was taken by this collector. 

On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector. 

On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied. 

I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit. 

On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute. 

I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors. 

I would simply like for this to be removed from my credit history. 
Thank you for your time, XXXX XXXX
Product: Mortgage

Our property in the United States Virgin Islands was damaged in Hurricanes Irma and Maria in XX/XX/XXXX. We were allowed a forbearance in order to deal with the aftermath of the storms. We are now consistently making agreed upon lower than usual payments while we go back and forth between the continental United States and XXXX XXXX, United States Virgin Islands in order to make repairs that will make the property habitable. Our most recent several day repair visit ended XX/XX/XXXX. On XX/XX/XXXX, a third party service, XXXX XXXX, attempted to change the locks on our property. My neighbor saw the person, believed it was a break-in attempt, and confronted them. This person told my neighbor that the property was " in foreclosure ''. My neighbor, knowing that we regularly make payments, and that we are in the process of making thousands of dollars in repairs, believed the lock changer was a scam artist and sent the person away. When we called our mortgage company for an explanation they acknowledged regularly receiving the agreed upon amounts from us, confirmed that we are not in foreclosure, but claimed that they were attempting to lock us out because the property is abandoned. This property shows no sign whatsoever of being abandoned. While it requires repairs in order to be fully livable, it is neat, clean, furnished ( this can be seen via windows ) electricity and water work at the property, and all doors are locked. No reasonable person who actually visited and looked at the property could conclude that the property is abandoned. The Flagstar employee person we spoke with, XXXX, employee # XXXX, then indicted that we were not entitled to any contact or explanation before being locked out. We are deeply distressed to the point of illness that Flagstar made no attempt to contact us before sending someone to lock us out, and further, that they offer no guarantee that this will not occur again. This has been a very stressful post Hurricane period made worse by the behavior of Flagstar. Flagstar indicated during the call that they would note on our record that the property is not abandoned, and that we travel back and forth to make repairs, but they refused to provide any written follow-up that we telephoned, or any indication that our record has been noted. We feel entirely at their mercy, even as we spend our hard earned money to complete repairs. We have dealt in a good faith manner with Flagstar and they in turn are treating us very badly.
Product: Mortgage

On XX/XX/XXXX I received a preapproval letter from Wells Fargo for $ XXXX. We entered into a contract to buy a property on XX/XX/XXXX with a closing date of XX/XX/XXXX. On XX/XX/XXXX we received a GFE   for the loan from Wells Fargo. We were verbally told that closing would proceed pending final approval. However the loan was not approved. Despite not approving the loan Wells Fargo proceeded to conduct an appraisal and charged my credit card {$480.00}. The Appraisal was conducted on XX/XX/XXXX after they had told me the loan was not approved. 

I was not aware the appraisal was conducted until seeing my credit card statement and receiving the appraisal in the mail. I contacted XXXX XXXX, my mortgage banker at Wells Fargo who stated " it was my understanding that the appraisal was canceled and that you should receive a refund on your fee '' however nothing was done. I then disputed the charge with XXXX XXXX, and Wells Fargo successfully fought the disputed charge which was then reinstated on my account on XX/XX/XXXX. In subsequent conversations and emails with XXXX XXXX, he recalls the situation and has encouraged me to complain to Wells Fargo management.
Product: Credit card or prepaid card

I have filed a dispute claim with Citi bank credit card in XXXX of XXXX after my card was stolen and used to make an unauthorized purchases. I contacted citi bank to notify them of the issue and make a claim I also updated my address on file because I recently moved to a new apartment in the same complex. I was sent a new card however the card was sent to the the incorrect address which was the old address. Once I received the card I contacted citi bank once again to notify them that they still are sending me mail to the incorrect address after I gave them the new address prior to the mail being sent. After the call I was then told my account is restricted. I received a new letter in the mail stating my account is restricted. I contacted the company and they stated that im going to get another letter in the mail with a code. It is now XXXX of XXXX I still have not received this letter and have contacted them every week regarding this matter and they are still not resolving the matter nor have they resolved the dispute.
Product: Mortgage

AmeriSave ran a credit report on myself & I never applied for a mortgage.