23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX  XXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have XXXX or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing. 

I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
Product: Credit card

We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.
Product: Credit card

I pay the minimum payment along with the interest rate each month and right after I paid it, I was charged another interest rate for the same month. Not the next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a background check for a new rental, our property manager flagged that my credit score came back lower than what I had indicated it should be. Upon checking my credit report though Experian, I noticed there was an account that was listed as being in collections " XXXX XXXX XXXX XXXX  ''. I have never used any service from this company and did not even know if their name up to this point XX/XX/2022 I called XXXX XXXX  XXXX and confirmed with a representative that they had no information for me in their system. If they record calls, this should be in record. With that confirmation in mind, I filed a dispute through Experian on the same day. 

Today, XX/XX/2022 I received an update from Experian that the dispute has been completed and no changes has been made, meaning that XXXX indicated to Experian that the account was valid. This is not the case. 

Today, XX/XX/2022 I added a statement to the dispute through Experian that I have no knowledge of this account. 

I have emailed XXXX inquiring why they have indicated to Experian that the account is valid. 

This has dramatically affected my Experian credit score and want this resolved as soon as possible. 

Thank you
Product: Debt collection

In XXXX, XXXX I was searching online for an affordable small business merchant account to accept debit/credit cards. I put my contact information online and Mr. XXXX XXXX an Agent of XXXX XXXX XXXX XXXX ( See Attachment # 1 with his company contact info including office and cell numbers ) called me within an hour of my query. Later that day, he emailed me the prepopulated merchant application based on my responses to his questions during that call. I got no other documents to sign to complete that application which clearly stated fees of only {$19.00} annually and a monthly fee of {$25.00}. XXXX XXXX XXXX XXXX is the merchant It sounded perfect so I signed and digitally sent back the merchant account application. The following month XXXX XX/XX/XXXX XXXX they debited {$71.00} from my account as a fee. I immediately called Mr XXXX who stated that they would correct that error. I waited but no correction was made in spite of numerous phone calls to XXXX XXXX. The following month XXXX XXXX, XXXX ) they debited {$71.00} from my business bank account again. At that point, XXXX stopped taking my calls and did not respond to me voicemails or emails to correct the issue. 
I then contacted my bank to block any further payments to them. The XXXX payment was reversed and the XXXX, XXXX was blocked. 
On XX/XX/XXXX I completed their Closure Request Form and emailed it to XXXX per the instruction on the header of that form. ( See Attachment # 2 ). I also faxed that Closure Request form to the fax number on form header. ( See Attachment # XXXX - proof of fax ) On XX/XX/XXXX I emailed XXXX XXXX notifying him that I cancelled my account and once again wanted those fees refunded ( See Attachment # 4 ) On XX/XX/XXXX, XXXX XXXX responded to my message instructing me to Fill out the form and return it. XXXX said when its returned your account will be refunded. ( See Attachment # 5 ) Instead of refunding my account, XXXX XXXX put an unpaid debt on my credit report in the amount of {$630.00}. Over the years I have disputed this bogus debt every year since XXXX. Each time they reply that the debt is valid. They subsequently sold the debt to a collection Agency and as of XX/XX/XXXX Fidelity Collection Agency claims I have a {$770.00} unpaid debt. 
PLEASE HELP right this wrong. By law, I owe them nothing because 1. I sent in their Cancellation Form stating clearly NO FEE & refunding ALL charges ( See Exhibit 4 and 5 ) 2. I never signed off or agreed to Early Termination Fee nor received the Merchant Processing Terms & Conditions to sign and its Paragraph 23. In spite of that language which was obviously inserted when I requested a copy of documents to dispute this error on my credit report. { see language that I highlighted in Exhibit # 2 ) 3. They exploited me and this fraud is causing me hardship and holding me back in my financial life during this worldwide Pandemic.
Product: Mortgage

When renewing my balloon home equity loan with Bank of America I was told I did not qualify and would have to apply for a modification. After 18 months my approval came through with Bank of America writing that I now had an affordable home equity line of credit payment. That is true for the first XXXX payments - not so much for the next XXXX payments that span 38 years. Then the rate goes to a close to market rate of 4.125 % with me paying more in finance charges than the amount of the loan more than doubling the amount owed. Bank of America gave me no indication that this was the only " modification " available until I received the paperwork. I had tried other avenues to write a loan but could not due to the stricter lending standards and the fact that my credit score took a bad hit when they reported me past due while the negotiations lingered on. 
This is a usury loan that only benefits the Bank of America. Even though I have made all trial payments timely and the new loan is in effect the old loan still shows on my credit report as past due. Due to the stricter underwriting rules placed on the big banks who caused the housing collapse ( i.e. Bank of America ) and in turn the recession I could not get a loan renewal. My only option, other than foreclosure, is to agree to a loan modification that cost me {$60000.00} finance charges on a {$59000.00} loan.
Product: Credit reporting or other personal consumer reports

When XXXX CARD SERVICES account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all XXXX Credit Bureaus. But they closed my XXXX CARD SERVICES ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Me and my husband went to a mortgage broker to see if we qualified for a mortgage and we where told we had negative items on our credit reports. After investigation, we found out that we had fraudulent items on our credit reports.
Product: Student loan

I was mistakenly lead to believe that my XXXX loans would qualify for forgiveness under XXXX However, my loans were a spousal consolidation from back in XXXX  and apparently does not qualify. Basically, I was told that my 21 years of XXXX XXXX  does not count because of my great sin of being married while repaying a student loan. This is a great injustice. It is discrimination against being married. These loans were consolidated in good faith with the Department of Education. My XXXX XXXX should count towards the XXXX program. They no longer allow spousal consolidation, but they should fix this ASAP and honor the few of us that are being screwed over by this. What a disservice to public service!
Product: Credit reporting or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus 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: Debt collection

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ga, XXXX Subject : Debt Validation Request Dear Rent Recovery Solutions LLC I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. 
Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 2.The name and address of the original creditor to whom the debt was originally owed and the current creditor 3.Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. Please note that this request does not acknowledge that l owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Citibank NA denied my application for an XXXX XXXX XXXX account, citing the reason : " The credit privileges on your existing accounts are currently restricted '' They had closed my other accounts that they serviced and their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. Citibank decision was therefore unfair and discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

On Saturday XX/XX/2017 I went into my bank branch to sign papers to be able to transfer funds between my business and personal accounts and to cash a check. The teller refused to sign me in and let me wait in line for a banker and she then refused to cash my check ( MY business account check written to ME for cash ) and she refused to allow me to close my accounts as I requested several times. She said she was teaching me a lesson. There were no holds on my account, no reason for the check not to be cashed. She was mad at me because I said I was taking my money to another bank and she then absolutely refused to let me do anything at all on my account. I have filed formal complaints with the bank and have spoken to the branch manager. No one has called me back, when I call them no one will talk to me now. There have been many other problems as well, but this one has by far been the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : BRIDGECREST ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

w/Gratitude
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO UNFREEZE CREDIT FILE EQUIFAX is blocking my ability to obtain a banking account to pay for basic necessities ( i.e. groceries, rent, transportation, medical expenses ). 

I demand that EQUIFAX remove the freeze from my credit file until I am able to complete my bank applications.
Product: Credit reporting or other personal consumer reports

Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called XXXX XXXX XXXX. I have the full report Ill be uploading. 

The law is clearly doesnt matter to the these institutions. 

Privacy Act of 1974 5 U.S. Code 552a
Product: Debt or credit management

I have already filed one complaint here and the case was closed. They said they sent a settlement and consent judgement on or around XXXX XXXX and that they havent received it back from me. I got this letter on XXXX XXXX and sent it back signed immediatley. I dont know why they are saying they havent received it. I hope they are not lying because they want this to go to court or a default judgement. Please look further and find the signed paper I sent back. I have already made 3 payments towards this agreement and they have readily taken it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I got unfortunately involved in a loan scam causing my vank account to be overdrawn XXXX. I reported the mobile deposited fake checks which they removed an sent back. However the money I used reluctantly to send the scammer gift cards they have deducted from account overdrawn me XXXX. I ok with being put on a payment plan for that which the bank refused to do. I am however without money for 3 weeks now past due on all my bills. I had a legal direct deposit go into account for XXXX which they won't release to me into another account I have opened to move my direct deposit to. They also refused me that. All they did was return XXXX for the return check fee but unfortunately all they did was deduct it from overdraft amount
Product: Credit reporting or other personal consumer reports

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
Inquiry company : XXXX XXXX XXXX XXXX date : XXXX XXXX Inquiry company : XXXXXXXX XXXX inquiry date : XXXX XXXX Inquiry company : XXXX inquiry date : XXXX XXXX Inquiry company : SYNCB/SAMS CLUB inquiry date : XX/XX/2023 XXXX