23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone helped me open up a credit card. Immediately after I activated the card, I received a call from someone pretending they are the bank. They told me it was fraud on my account and asked me for my account information to resolve the issue. I gave it to them and after the told me I wont have access to my card or online bank until I receive a new card. Unbeknownst to me, my card was being used during this period. I attempted to use my card on my trip in texas and it worked so I continued to use it in texas. When I came back to XXXX I made a couple more transactions before my card declined. Immediately after it declined the bank called and told me the same story on how there is fraud going on and I cant use my account and itll be closed. I still didnt have access to my online. Fast forward XXXX  years later, boa contacted me trying to have me pay back the credit. I explained to them what they had told me which they denied. Thats how I found it I was being scammed. So, I filed a fraud claim with Bank of America. They ignored specific information just so they can deny my claim. They say it was payments made on the account which wasnt made by me or an account linked to me. Theres about $ XXXX worth of fraudulent transactions. The transactions with a yellow strip next to it is fraud ( see attachments ).
Product: Debt collection

XXXX XXXX  directory customer # XXXX repeatedly billed monthly services to my business account XXXXXXXX XXXX XXXX XXXX of {$360.00} after I had canceled with emails to the XXXX telecommunication directory. XXXX is trying to collect {$360.00} after the company received an email of cancellation and reported it to a third party for collection with True Accord account # XXXX. I had included an email of cancellation and received replies from the XXXX XXXX  directory, but they refuse to stop the illegal billing of subscriptions.
Product: Debt collection

On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX  account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!
Product: Checking or savings account

Yes thank you for helping me the first time with PayPal however they fixed the account for me to use but I contacted them cuz I could not withdraw money still I was given the run around and I called several times because somebody else had changed the phone number and password I just finally got back in the account I had {$850.00} I only withdrew {$200.00} leaving {$650.00} my account has {$1.00} in it and I have tried several times to get PayPal to fix these unauthorized transactions they refuse saying that they right the unauthorized transactions are to PayPal itself help me please
Product: Mortgage

My mortgage payments were on autopay with our bank XXXX XXXX. XXXX  was in middle of an upgrade where autopay did not send XX/XX/2023 mortgage payment. XXXX XXXX/Nationstar Mortgage LLC serviced by Mr Cooper ( mortgage company ) did not notify me of a missed payment until following month, no attempt of communication was performed within the 30 days of late payment. Servicer said they called on XX/XX/2023 to ask about late payment. No evidence on my phone records show a call. No voicemail was made. No email was sent out regarding late/missed payment. Even after explaining what had happened with XXXX about upgrade failure, mortgage servicer would not file to remove credit penalty. I have attached my phone records with highlights of the day they claimed to have called me, on XX/XX/XXXX, which no call was made. Phone shot record shows no calls were incoming from XXXXMr Cooper on XX/XX/XXXX. On XX/XX/XXXX, you will see a highlight of their call to tell me XXXX was late, as the fix hadnt been made until that notification. I paid both XXXX and XXXX on that date. Had I known XXXX was late with a phone call XX/XX/XXXX, I would have made immediate payment. As you can see on my payment photo, after our call on the XXXX of XXXX, both payments were posted. XXXX XXXX is our bank, I can provide documentation that an upgrade has been in the process for months now and no notification was made to us that a missed payment was made. I have attached a conversation with the servicer where they say they will call on day 2 and send a letter. I have also attached the part where the letter should be shown that was sent in XXXX that I have a late payment. No letter exists.
Product: Credit card

American Express ( AmEx ) makes it incredibly difficult to pay the guest fee when bringing a companion to one of their XXXXXXXX XXXX. While they advertise the benefit of XXXX XXXX access prominently and call out on both their website and affiliate sites that guests can enter as well if you pay {$50.00}, they do not state that the only way to pay that fee is with a *physical* AmEx card. 

As someone who got the {$600.00} / year Platinum Card today with the explicit intent of using that lounge benefit with my companion *today*, I was extremely disappointed to find out that there are very few ways to pay the {$50.00} guest fee. They do not state that you can't pay with an AmEx card digitally ( e.g. via XXXX XXXX ), that you can't pay with any non-AmEx cards, or that it's somehow prohibited to XXXX {$50.00} to someone in line with you for them to use their physical AmEx card to pay your fee*. I downloaded the AmEx app and had my new card approved, active and registered both there and in XXXX XXXX. Because my physical card- which is also my only [ and likely last ] AmEx card -is still in the mail, I was unable to pay for guest access. 

Faced with a situation that AmEx had not prepared me ( or themselves, apparently ) for, their poor customer service and disregard for the consumer was jarring. None of the front desk staff nor manager were conciliatory or tried to help us find an alternative solution. We stood at the front desk for an *hour and a half*, searching for a solution and calling AmEx customer support, before the manager grudgingly allowed us to enter. 

Very disappointed with AmEx, their advertising practices, lack of user-friendly payment options, and customer service. 


*They do mention that soliciting AmEx cardholders for lounge access is prohibited. But making a friendly deal with someone completely separate from AmEx to first provide *them* with the money to pay your guest 's fee ( using *your* Platinum Card benefit and *your* boarding pass for the actual access requirements ) is *not* " soliciting someone for access ''. It's asking for help navigating obsolete and absurd payment requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that our credit had been negatively impacted by 160 points. I contacted On XXXX XXXX ( mortgagee ) and they have told me that this was processed by Dovenmuehle ( On XXXX XXXX loan Servicer ) as a result of a late mortgage payment in XXXX of 2021 for our property located in XXXX, Colorado. Prior to the XXXX mortgage statement being generated, I had been attempting for 5 months to have the billing address changed on this loan. I used the " change of address '' form located on the back side of each mortgage statement but it was never processed by Dovenmuehle. At one point, a manager from Dovenmuehle told me over the phone that the change of address form didn't actually work since the form had the incorrect PO box associated with it. This manager admitted in a recorded conversation that the department who received the change of address form on the backside of each statement couldn't actually complete the change of address which is why it had not been processed! In order to get the address corrected, I had to have On XXXX XXXX contact Dovenmuehle and demand that they update my address. On XX/XX/2021 the address was corrected and the XXXX mortgage statement was regenerated and sent to the newly corrected billing address. I received the statement at the beginning of XXXX and I sent payment via XXXX on XX/XX/2021 with a check date of XX/XX/2021. Due to delayed mail service during COVID-19, the check was received and cashed by Dovenmuehle on XX/XX/2021. Please note that USPS was extremely delayed during this time frame due to COVID. Since Dovenmuehle has the incorrect billing address and was late to send me the XXXX mortgage statement the due date for this statement should have been 30 days from receipt. Given the timeline outlined in the above paragraph, this would have made the due date XX/XX/2021. Additionally, Dovenmuehle has a 15 day grace period which would have given me until end of day XX/XX/2021. Again, I sent my check on XX/XX/2021 with a check date of XX/XX/2021 and it was cashed by Dovenmuehle on XX/XX/2021. Due to the incorrect billing address on record, which was no fault of mine, as well as delayed mail service during COVID-19, I do not believe that a negative credit impact of 160 points is warranted in this situation. I understand that a mortgage is considered late one day after the due date. Therefore, I'm fine if Dovenmuehle wants to charge me a late fee since technically my payment wasn't received by Dovenmuehle until after the XX/XX/XXXX due date. However, a negative credit impact is not warranted. My wife and I have worked tirelessly to establish excellent credit and it has been negated in one fell swoop by this event. I am requesting that this be reversed by Dovenmuehle. Thank you for your consideration. Regards, XXXX XXXX
Product: Mortgage

Fifth Third owns my mortgage on my primary house. The house had a fire, which was covered by my insurance. The insurance company XXXX XXXX XXXX has approved ~ {$80000.00} in damages and has sent me a {$43000.00} check in XXXX ( 5 MONTHS AGO ). I have met with Fifth Third in-person many separate times and have had XXXX phone calls. I have uploaded countless documents into their portal ; however, every time I speak to someone the requirements change. 

It has been XXXX and a half months, multiple calls & meetings & I can not get bank to co-sign insurance check. My contractor is ~ 80 % complete & hasn't been paid a dime. 

To get the final XXXX of my initial claim check, they insist upon an inspection. I finally set up an inspection appointment & the Fifth Third Representative was a No-Call No-Show. I took a vacation day for this meeting! I called Fifth Third and they had no way to contact this " inspector '' XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I did a trade in with Hyundai for my XXXX XXXX XXXX to XXXX XXXX. Hyundai was to do the payoff exchange of {$1600.00}. I have proof of check that was submitted by XXXX XXXX Hyundai to Hyundai. Hyundai is claiming that I failed to make 3 payments from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have explained to them that I have made each of those payments but was sent to my old account which is XXXX. My current account is XXXX. I made these payments electronically on Hyundai Motor Finance website. I had spoken with several Representatives and Supervisors from Hyundai. I have proof of my payments and had forwarded my bank statements to prove that I did make them. I faxed and mailed these documents in XX/XX/XXXX. They were supposed to rectify this by transferring these payments to my current account. I have been told by Representatives that they have seen these payments in the system and that they will be transferring to another department to finish the process. They towed my car on Friday, XX/XX/XXXX. I had to do get a car rental in order to get to and from my job and get around the way I need to. I am current with my payments. They have been charging me late fees since XX/XX/XXXX. They also did not accept my most recent statement.
Product: Checking or savings account

Bank of America on XXXX XXXX in XXXX Washington has victimized me because of their Bank errors. I've had an account for XXXX month and I have been blocked from all internet transactions, the mobile app and having access to my money unless I go XXXX minutes to get to the bank. They had their information wrong somehow even though it was right in the beginning. They flagged my internet purchases that were for business and they should not have and they block me from the mobile app for no reason to. I don't know what the problem is but this was all Bank error and I verified that yesterday. They are acting like I was committing bank fraud until they apologize yesterday and now they will not let me close my account because they won't cash out the cashier 's check that I have for {$2500.00}. I want to close my account and I can't close it until that is gone I need that money out of there because I want to close this account I have never had such terrible customer service or been denied access to my own hard-earned money. Now it's a holiday and it's going to be until next week? I don't know what's going on there but this is wrong. I want to close the account I want them to point out the cashier 's check and give me my money. There is no chance that I have any fraud on my account and I want my money and I want to close the account and it's not right for them to block me from closing my account and having my money. I don't care what their procedure is about cashier 's checks I will sign off on anything and I've already explained that to them that this is all their error is the reason why this is even happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/2014, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX balance.

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

XXXX my shock when we applied for a loan in XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Account : XXXX XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian report # XXXX, Received my Experian consumer report and they are reporting Bankruptcy public record - that didn't given Experian my written permission to report and public record on my consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Plus, the bankruptcy courts does not report to any consumer reporting agencies. So, there Public should not be on my consumer. And i have attached letter showing proof from the bankruptcy court stating that they don't report to any CRA 's. 

Additionally, Experian is still reporting my transactions & experiences with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reporting any of my transactions & experiences is clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

i have an complaint already filed and denied. Ive been through school and different countries over the past 2 years and not that i have the true time to follow through and try i will. Cashapp does not prove themselves. I want to know how are they identifying and basing they payment as of authorized by me. My email was changed and i was not able to sign into my account. How is that explained for? What device was it sent on. Because i know cash app has systems to identify it because it shows when i go on the app at times. If it was not the model of my phone i did not do it. Let alone i was not signed in to send the money. And if it was a true mistake i could have refunded the money. HOWEVER the main point is the girl did not receive the money. Unless im being lied to by everyone. The security of my account did not kick in till after the money left and a scam was detected. How can a scam be detected with the transaction when i log in before me filing any complaint but its authorized by me? The girl said she dis not receive any money and cash app is yet to prove that. Ive tried for too long and dont want to sue. I just want my money back cash app gives out free {$500.00} but they cant help an existing customer with a miss understanding withing their company.
Product: Debt collection

PORTFOLLIO RECOVERY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
XXXX XXXX XXXX ACCOUNT # XXXX TOTALLING {$860.00} XXXX XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO XXXX XXXX XXXX. I AM NOW SENDING IT TO PORT FOLLIO RECOVERY. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU XXXX XXXX
Product: Credit card or prepaid card

I have had this credit card for 4 years or so and never had an issue. I have not used it in awhile and when I log in it says my balance is 0 and no payment due. However I keep getting calls from them so I called them to find out and the agent said I'm a payment behind and I owe 200 plus dollars. I told him that it says my balance is 0 and that I paid off the card and shouldn't owe anything. He said idk ma'am. I said well can someone who knows tell me what is going on then??? He then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Product: Credit card or prepaid card

XXXX   XXXX     2016  an inquiry was placed on my   XXXX    Credit report but I have not applied for any type of credit wit h Citizens. P lease remove the inquiry according to FDCP and federal regulations.