23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I applied for a Lowe 's credit card to pay for a renovation. The card was to be without interest for XXXX months. I never received the initial credit card from Lowe's/Synchrony Bank, XXXX XXXX XXXX, XXXX, Ga XXXX and a XXXX card was sent to me. I began receiving statements for the XXXX card however I was being charged interest. When I advised them of this problem they began transferring interest charges from the old card to the new card. In XX/XX/XXXX they said my balance was {$12000.00}. I calculated my balance to be {$10000.00}. I would crack quested that they give me a payoff amount and they said my payoff amount was {$12000.00}. I contacted them and asked them to tell me why my balance was that amount. They did not reply and I felt I did not have to pay the monthly charge that they were asking because the balance was incorrect. My monthly payment for XXXX was {$230.00} Which should have not have been that high. I did not pay the {$230.00} and now they are asking for a minimum payment of {$490.00} and charging me {$100.00} on interest and {$25.00} in fees. I want to pay off the entire balance of this credit card and I feel that they are not cooperating.
Product: Checking or savings account

Stating that their banking partner is causing the freeze. Regardless of that there is no timeline for reinstatement of my account so I can get my money out. It has over XXXX years of savings at just over XXXX dollars now frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( CFPB XXXX ) I disputed with Experian my XXXX XXXX account ending in XXXX and provided clear documentation straight from XXXX XXXX that said : We have contacted our Risk department and asked if the detail of account activity for the XXXX XXXX account funding your credit card can be shared. We were advised, no, we will not be sharing internal strategy information with customers. Let me ask you thisif XXXX XXXX isnt verifying this information, how can Experian mark my dispute as verified? This is exactly what the CFPB warned about when they said Experian has been conducting sham investigations. You didnt properly review the evidence. You just accepted an incomplete response from the furnisher and called it a day. 

Now, this mistake has consequences. Its dragging down my credit score and blocking me from financial opportunities. You have to fix this. Reporting unverified information is unacceptable and exactly why the CFPB took action against you. Lets make it right.
Product: Debt collection

I have sent several emails and voicemails. I did talk to someone he said I owe money XXXX because I was uninsured auto driver who got in a accident but could only provide a police report and claimed XXXX XXXX sent them a bill without ever contacting me. He could not verify what for. Said it could have been medical or car related. He was supposed to email me the documents within 20 minutes. That was XXXX days ago and they keep transferring me to voicemail even after I talk to someone.
Product: Mortgage

I bought my house with an FHA mortgage loan that is held by Carrington Mortgage. I lost my job as a XXXX after 5 years and was waiting to be approved for unemployment and we submitted a payment for that month -- -but it was not a full payment. We did this for a few months and Carrington accepted this. Then suddenly they told us they would no longer accept partial payments. We asked if we could be considered for a modification or a restructuring of the loan or even a repayment plan. We were told no, they would not work with us, they would not assign a dedicated contact and they began the foreclosure process. We were told the only option was to reinstate the full past due balance in one lump sum and we could not do that at the time. 

I believe Carrington is in violation of state and federal guidelines relating to the servicing and handling of this loan. I was told by a counselor that they are required to review and consider myself and my husband 's financial situation for all programs available to struggling FHA loan borrowers. They have not done so, and have denied us access to programs such as modification, partial claim, forbearance or repayment plan. Despite my request for consideration for these programs or some type of review Carrington has refused to work with me. 

Due to my unexpected loss of a job we struggled to make our mortgage payment but still continued to pay what we could each month while going through this hardship. My husband is working and we have the means to afford a fair and reasonable payment. But right now we are being told there are no possible options available, and I just do n't think that is right. We need some help to break through the brick wall that Carrington has put up against our family. We want to get this loan back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized accounts, inquiries, and personal info on my credit report. Someone else applied and used my info in my name. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized things must be removed.
Product: Debt collection

Transworld System Inc. posted a collection debt to my XXXX credit report on XXXX. I have never engaged in or transacted any business with Transworld System nor the company they appear to be representing ( XXXX XXXX ). 
Further, Transworld System Inc. never attempted to communicate with me via mail to establish ownership of this alleged debt prior to appending it to my credit report. This is a strict violation of the FDCPA 809 Validation of Debts rule. I should have been notified of this alleged debt then allowed 30 days to dispute this debt directly with Transworld System prior to the debt appearing on my credit report. 
Transworld should remove this debt from my credit reports as it does not belong to me and is presumably identity theft. I have filed two police reports in XXXX, Texas following XXXX XXXX XXXX ( XXXX in XXXX and another in XXXX ). 
I have no debt obligations with XXXX XXXX nor with Transworld System and would like Transworld to cease any further collection activity related to this invalid debt.
Product: Checking or savings account

sometime in XXXX i received a auto accident lawsuit check of {$42000.00}. 
since i had a good experience with wells Fargo in the past and know they are fdic insured i felt at the time i can trust my money with wells Fargo and so i proceeded on opening a account and bank with them thinking my money would be safe. boy was i wrong big time! 

XX/XX/XXXX i noticed my account was negative i was confused because i had {$5000.00} in the account i went all over my transactions going all the way back and noticed a unknown fraudulent charge of {$5000.00} from XXXX XXXX ( for the record i do not own no car ) in ohio when i live in XXXX florida and the tranaction type was a manual entry, no pin no swipe no insert. im told i have to wait 10 days for a response and they can not give me a temporary bank credit due to amount being to large. 

XX/XX/XXXX i get a email stating i was denied. i called back WELLS FARG BANK very very upset thru the roof! i spoke to rep in fraud claims dept i was told " sorry sir im so so sorry sir! unfortunatley i can not do nothing '' i then told rep this is a very serious matter im not gon na just sit here and leave it like this. all your banks say my money is safe and insured up to XXXX in all tellers across America on top of that i am goin to report wells Fargo to CFPB i literally feel robbed by my bank. rep then put me on hold and put on a supervisor. at this point the supervisor says that my phone number was used and a business with my name in it ( for the record i do not own any business ) therefore its considered " LEGIT '' based on that finding. i told supervisor that is completely wrong and last time i check that is what fraud is isnt it? using a victims information phone number create info and all? i explained this to the rep and also added that if she or anyone needed i can provide proof i am a w2 employee i don't own nothing and if needed i can provide any supporting documents but my offer was never taken. ALSO i GARENTEE if who ever that investigator is lookup which ever insurance vin number you WONT SEE MY NAME! i was then told i would be contacted by investigator 24-48 hours. 

XX/XX/XXXX i called XXXX from the fraud claims department. but when attempting to i was told i cant contact her because that dept only does outbound calls they dont receive so according to rep a note with a message was going to be sent to her to inform her i called. during this phone call the rep said she had some extra questions she wanted to know why i raised my spending limit i explained to her that i had a family trip to XXXX on XXXX so i wanted a increase in spending limit. i never said i wanted a specific amount i just said i needed a increase in case while on my trip some extra spending needs to be done i wont be stuck on the road. i was then told investigator will contact me 24-48 hours. 

XX/XX/XXXX here we are i have not heard nothing from the bank nor my money has been returned i had a sad XXXX. please help! 

i attached some supporting docs please contact me for more at XXXX XXXX
Product: Checking or savings account

I opened the MyChoice Plus Checking '' account on XX/XX/2022 at M & T bank from a promo page XXXX XXXX XXXX 
To receive a {$250.00} bonus I had to make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening. 

The promo page was found in google- it was at the top of a search by mtb bank promo keywords. 
When I clicked Redeem Online '' on the page it asked me to fill my zip into the form with the message Enter your ZIP Code so we can connect you with special offers. Once I filled my zip ( XXXX ) it displayed Good news! A cash bonus promotion is available in your area, successfully passed me through, and applied the promo code ( TC ) to the account application. When I input all the required information the account was opened. 

I got my {$500.00} paycheck ( as a direct deposit ) on XX/XX/2022 - well under the 90 days promo deadline. 
According to the promo terms, the bonus had to be credited to the account within 90 days of all requirements being met. 
It didnt happen - Ive never received that bonus. 

When I contacted the bank representative ( via secure messages ) they replied that Im not eligible for that promo as my state ( New Jersey ) was out of the promo area. 

My concern is that the promo area was not defined anywhere- neither on the promo page nor during the application. I stored corresponding screenshots and can share them as proof. 

Moreover, the fact that the page asked me to fill my zip code at the beginning with Enter your ZIP Code so we can connect you with special offers text and then successfully proceed to the application with A cash bonus promotion is available in your area tells me that my zip was validated and approved by the system for the promo. 

And one more thing - right now, if you open that promo page ( there is a {$200.00} promo available now ) and enter my zip ( XXXX ) it returns Sorry, but this offer isnt available in your area - clear enough. 
If my zip was not eligible for the promo I wish I received the same message. But it was the fully opposite experience. 

I consider the situation above as false advertising and insist that I fulfilled all promo requirements and never received information that my zip is out of the promo area. Therefore I believe the bank has to fulfill the agreement and credit me that {$250.00} bonus.
Product: Debt collection

I had a CT scan performed in an emergency room on XX/XX/XXXX. I received a bill for {$130.00} ( Account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( contact information listed below ). On XX/XX/XXXX I made a payment of {$75.00}. I later received a collection notice from XXXX XXXX XXXX XXXX ( contact information listed below ) stating that I owed the original balance of {$130.00} ( Account # XXXX ). I checked my credit report and saw that this collection was listed as a derogatory mark on my XXXX  credit report. I contacted the service provider and paid my remaining balance of {$55.00} on XX/XX/XXXX. I then contacted the collection agency and informed them that my bill was paid. A month or two later ( I'm not exactly sure when ) the derogatory mark was removed from my credit report. In XX/XX/XXXX, I started receiving calls from this same credit agency. When I spoke with them, they informed me that they were attempting to collect the balance of {$55.00} for this same account. I informed them that the account was paid on XX/XX/XXXX and they stated that the service provider showed that I had a balance due. I contacted the service provider personally and confirmed that the account was paid. I was given Transaction ID # XXXX. I called the credit agency back and gave them this information and told them to stop calling me. The representative assured me that they would confirm the XXXX   balance with the provider. I printed a copy of my account breakdown from the provider 's website that showed a XXXX balance and mailed it to the address on the collector 's statement. Later in the month, a derogatory mark appeared on my XXXX  credit report for {$55.00}. I contacted the creditor again and demanded they remove this mark from my credit report. I provided all of the pertinent information ( dates, transaction numbers, etc. ) to them again. The representative assured me that they would confirm with the provider and remove this mark. The mark has still not been removed. Today ( XX/XX/XXXX ) I contacted the collection agency again and they said they contacted the provider and were told that I had a balance. I told them that this was untrue because I spoken with the provider on more than one occasion and confirmed that my account was paid. They refused to remove the mark on my credit report. I am mailing a copy of my account statement again showing a zero balance to them, however, I feel that this should not be necessary. I was able to confirm my account has been paid with a simple phone call that took less than 5 minutes. In my opinion, this collection agency is not contacting my original service provider to confirm my account as they have been stating and are purposely misleading me to try and collect money from me that is not owed. -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, IN, XXXX, Ph. # : XXXX -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, Location : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, Mailing Address : XXXX. XXXX XXXX, XXXX, TX XXXX, Ph. # : XXXX -- - I have uploaded a copy of the account breakdown that shows a zero balance.
Product: Credit card

Attempted to make a purchase for {$39.00} and was charged {$260.00}. Immediately called canceled the card and initiated dispute. Was given provisional credit that was taken days later without explanation.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally submit a complaint against XXXX XXXX XXXX and XXXX XXXX regarding their failure to provide proper debt verification as required by the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Alleged Debt Amount : {$XXXX} I contacted XXXX  to request verification of the alleged debt. I specifically requested documentation including a full account history, the original creditor agreement, proof of assignment, proof of my liability, and any credit bureau reporting related to this account. Despite my explicit request, I have yet to receive the necessary verification. 

XXXX XXXX XXXX 

Address : XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Alleged Debt Amount : {$XXXX} I also contacted XXXX  to dispute the validity of the alleged debt they claim I owe. Similar to my request to XXXX, I asked for detailed verification of the debt, including the account history and proof of assignment. I made it clear that until I received this documentation, I demanded that they cease all collection efforts. However, I have not received any response from XXXX. 

Nature of Complaint Both XXXX  and XXXX  have failed to comply with my requests for verification, which is a violation of my rights under the FDCPA. Their lack of response and failure to provide proper documentation leaves me with no assurance that the alleged debts are valid or that they have the legal authority to collect on them. 

Desired Outcome I request that the CFPB investigate the practices of both XXXX and XXXX. I seek enforcement of the FDCPA to ensure that these companies are held accountable for their failure to provide verification of the alleged debts. Additionally, I would like them to be reminded of their obligations under federal law to cease collection efforts until they can validate the debts they claim I owe. 

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello! This debt was already taken care of due to XXXX. It was also not under the name that Medicredit has claimed. XXXX just confused as to whats happening. Ive tried to call back and dispute the debt, but can not get through or leave a voicemail. I would love some help here. Unsure of what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted XXXX  and TransUnion regarding such. Negative information was being reported, and my disputes came back for TransUnion and never for XXXX. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.