23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2015 I got a very attractive credit card offer from XXXX XXXX ( incl ). Major benefit included : " {$150.00} cash back bonus. Spend {$500.00} in the first 90 days of Cardmembership and earn a {$150.00} cash back bonus ''. Same day I 've applied on-line and was approved. On my first statement, dated XXXX XXXX, 2015, I 've spend total {$800.00} and on XXXX XXXX paid in full ( incl ). According to the fine print : Bonus points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend ( incl ). So, I completely followed the rules and meet all requirements. Then I was patiently waiting for XXXX/XXXX/2015 statement to get my cash back bonus. Unfortunately, my XXXX statement arrived with no bonus and I call the XXXX XXXX customer service. Analyst agreed with my concern and advised me that resolution will come shortly by mail from a different department. On XXXX XXXX, I 've received the letter ( incl ) indicating that bonus rewards will be posted 10-12 weeks from the end of the offer period, which is additional month on a top of 2 month in original offer. I 've wait another month, but XXXX statement also come with no bonus. On XXXX XXXX, 2015 I called again customer service and spoke to several people including the manager. Nobody, including manager, was not able to give a clear answer why I do n't get my cash back bonus. Manager was so rude and unprofessional and told me : If I do n't like the service I should close the account, which I did ... 
Please investigate and advice ; what are we dealing here : false advertising or just poor service? Also, how come such a bad company can use and apply American express logo?
Product: Debt collection

On Tuesday, XXXX XXXX, 2015, I cancelled my Internet and TV service from XXXX and verified that I had a XXXX balance with the account representative. Indeed, XXXX 's partner ( XXXX ) actually processed a refund for money I was due. However, on XXXX XXXX, 2015, I received a bill collection notice from Convergent Outsourcing ( which may be owned by XXXX ) stating that I owed {$410.00} for non-payment to CenturyLink, even though no notice of any such debt was ever presented to me from CenturyLink. I believe the attempt to collect this non-existent debt is simply XXXX " punishing '' me for choosing a different Internet and phone service provider.
Product: Mortgage

I lost my job due to the pandemic. I applied for mortgage assistance with citizens bank three times and was denied. I reached out to my local HUD office and applied for HAF ( homeowners assistance fund ) in XX/XX/2021 Citizens has failed to complete the onboarding process with HAF. After reaching out to Citizens multiple times and being told by multiple departments that someone will be looking into it, I received a letter from citizens bank that they have began the foreclosure process on my home. I have since reached out to citizens bank, their foreclosure lawyers and HAF and HUD to no avail. This has been almost a year of back and forth communications with multiple agencies that have not been able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit card or prepaid card

Over the months of XXXX and XX/XX/2020, I received refunds to my Chase credit card from XXXX XXXX XXXX for canceled cruises, due to Covid-19. In XXXX I had a balance of {$1900.00} of refunded credit on my Chase credit card account. On XX/XX/2020, I decided to withdraw this balance at an ATM, to be deposited back in my checking account. I discovered at the ATM that I could only withdraw {$500.00} at a time and there would be a XXXX ATM fee. I made withdrawals on XXXX XXXX, and XXXX, for a total of {$1800.00}, leaving enough credited money available to cover the ATM fees. On XX/XX/XXXX, I checked my Chase account to see if the withdrawals were reflected on the credit card balance. That is when I discovered that a {$94.00} Service Fee had been charged to my account for the withdrawal of my accredited funds. I called the Chase complaint department on three occasions, and have spoken to 5 Chase representatives, the last one being, Account Supervisor XXXX in XXXX, FL. She informed me that I was charged Cash Advance fees at the rate of 5 %, and they were nonrefundable. I don't feel these charges apply, since it was my credited money that had been withdrawn not cash advances from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : SOUTHWEST RECOVERY SER
Product: Credit reporting or other personal consumer reports

equifax is violating my rights by reporting this fraudulent account on my consumer file.this is my 3 rd request.this fraud account is a result of identity theft.i demand you remove the XXXX XXXX XXXX.enclosedis my ftc identity theft affadavit
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized credit inquiries on my credit report. My latest credit report shows XXXX hard credit inquiries that I did not authorize or approve of.
Product: Vehicle loan or lease

in XXXX of XXXX I leased a XXXX XXXX soul for XXXX With the interest totalling XXXX We on XX/XX/XXXX the car was totaled due to a non license non insurance Young adult driver. Upon reaching out to credit acceptance to explain to them and total detail of what the incident was I was told that my car was paid in full I had no balance. Well a few months ago I looked on my credit report and saw that they still had a {$3000.00} balance which doesn't make sense because I pay well over {$13000.00} for a used XXXX XXXX soul on my credit report it also stated that it had been paid out due to the company filing it on their taxes. So I'm not sure why is it still on my credit but I would like it removed quickly it has affected my credit score and also affecting me from getting another car. I hope this matter is resolved more sooner than later truly thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, and living human being, and I have rights under 15 USC 1681 Experian is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Experian my written permission to furnish any of the accounts below and Experian should NOT be reporting my transactions or experiences with any of the accounts below XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or US Department of Education. Violation # 1 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 ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( 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. Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have attached affidavit which stands as truth
Product: Debt collection

Account opened in my name regarding a loan that I never opened, talked to the company they under stand that it was fraudulent, Ive taken several acting by disputing this report also making a police report linking my ssn to fraud. I also talked with my lawyer to help with this issue Account was open ( XXXX XXXX XXXX/dept ed ) Second account : XXXX dept ed XX/XX/2017 Amount, XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Date Last Active : XXXX payment history : XX/XX/XXXX late XXXX day, XXXX XXXX late XXXX, XX/XX/XXXX late XXXX day, XXXX XXXX XXXXXXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Payment Status : Current payment history : XXXX, XXXX and XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX payment history XXXX to XX/XX/XXXX late XXXX, XXXX and XXXX  days XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Payment Status : XXXX XXXX XXXX Balance : {$450.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Payment Status : Current payment history : XXXX. to XX/XX/XXXX Late days XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card

What gives Synchrony Bank the right to raise the interest rates on all my gas cards to 34.4 %? I thought the max was 29.99 % default rate. I have never been late or missed a payment on any of them ( XXXX XXXX, XXXX, XXXX gas cards ). 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX XXXX  {$71.00}, [ 5 ] XXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] XXXX XXXX XXXX XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ]  XXXX XXXX XXXX, [ 11 ] XXXX XXXX
Product: Debt collection

XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that these accounts were opened without my authorization, suggesting potential identity theft. I have previously raised this issue and am now requesting the immediate removal of these unauthorized accounts from my report.

The presence of these accounts is causing significant distress, as they do not accurately reflect my credit history or financial management
. Resolving this issue has been both time-consuming and challenging. If the matter is not addressed promptly, I am prepared to pursue legal action to protect my rights and seek a resolution.

These erroneous items are having a serious impact on my financial goals, including purchasing a home and providing for my family. I trust that we can resolve this matter swiftly to ensure the accuracy of my credit report.

Thank you for your immediate attention to this issue. Please let me know if further documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$6300.00} XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

Company is reporting the debt to the credit reporting agencies as a new debt XX/XX/202 but bill was from XX/XX/2014. The bill that the company sent states current patient responsibility is {$0.00} but they are reporting amount owed as {$200.00}. I have asked for the debt to be deleted from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent American Express ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at AMEX are double victimizing me by punishing me for having my identity stolen. They are expletives.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with ShellPoint on XX/XX/30. We have faxed them multiple items since then, including an offer, HUD, Authorization, Financial Statement,  etc and many other items needed for a short sale. We have contacted them multiple times for an update on the status of the short sale. Finally, today, we were given a generic list of items needed for a short sale. The rep didnt even bother to look at the file or check to see which documents they have received. XXXX**WHAT HAPPENED TO THE DOCUMENTS WE HAVE BEEN FAXING THEM FOR THE LAST MONTH??????????? I attached the package here since filing a CFPB Complaint seems to be the only way they will acknowledge the documents we have submitted. 

-- -- -- Considering it has taken weeks to get a response out of ShellPoint it is obvious they are purposely delaying this process, or they are just SO IMCOMPETENT THEY NEED TO BE SHUT DOWN. -- -- -- -- Originally they contacted someone that WAS NOT AUTHORIZED and spoke with them regarding moving forward on the short sale *****THIS IS HIGHLY ILLEGAL AND A VIOLATION OF THEIR CLIENTS PRIVACY AND THEIR SERVICING OBLIGATIONS. ****** This extreme incompetency with ShellPoint has been going on for years. We have to file a complaint on EVERY SINGLE SHORT SALE WE DO WITH SHELLPOINT USUALLY MULTIPLE TIMES!!!!!!!! 

When is this going to stop?? We are headed towards another downturn and ShellPoint is UNIQUELY UNQUALIFIED to survive in this coming downturn. Every phone call with them turns into a charade of inability to forward to the appropriate person, no one is able to answer our questions, there are no notes in the file and getting disconnected because they do not have the appropriate resources for their staff. It was clear from their first items we faxed to them that this was going to be a short sale yet NOTHING HAS BEEN DONE AND NO ONE WILL ANSWER ANY QUESTIONS ON THIS AND THIS HAS BEEN GOING ON FOR A MONTH!!!!!! This is UNACCEPTABLE AND NEEDS TO STOP IMMEDIATELY. 


I want the documents we have submitted to be reviewed, an accurate list of items needed for the short sale, and the short sale to be moved forward appropriately.
Product: Credit reporting or other personal consumer reports

Requested XXXX times the company 's verify the accounts with physical verifiable proof with my signature on documents via mail. The company 's or credit agency never sent any proof via mail stating anything just ignored my request multiple times. I am sick and tired of being ignored so I'm filing this complaint to try to get justice as a consumer with rights. I will upload proof of my documents I sent in to them and they never replied or contacted me via mail.
Product: Mortgage

I applied on XX/XX/XXXX for a refinance transaction with BAY-VALLEY MORTGAGE GROUP XXXX XXXX XXXX, XXXX XXXX, CA XXXX and it is now XX/XX/XXXX i have not received loan approval or any updates on file. i contacted XXXX the account executive XXXX and they are now stating i need to pay for rate extensions and a .5 % fee that fannie mae is now implementing.
Product: Debt collection

Credit System International Inc went to calling and Harressing over and Medical Bill collection bill for XXXX XXXX on XX/XX/2020 for the amount of {$360.00} dollars inwhich my XXXX XXXX XXXX XXXX XXXX has denide the billing claim because their Creditor XXXX XXXX has summited the wrong name XXXX XXXX on the billing claim and sent it to Well Med instead of My health Provider XXXX XXXX XXXX verifying the spelling on the billing claim number XXXX. 
Inwhich my Legal Representative XXXX XXXX XXXX XXXX has proof of when they has sent Credit System International Inc and Legal Demand notice to settle Debt collection Harressment claim on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Product: Student loan

I received a letter in the mail in XX/XX/2022 from a company called XXXX XXXX stating that I was eligible for the consolidation of my student loans, and I am eligible for loan forgiveness. I called them and we set up a plan that would make my debt forgiven after 120 payments. In order for them to make the documents they said I had to pay {$800.00}. I wasn't able to pay that amount up front, so we set a payment plan to take three separate payments out over a span of a couple weeks. Since then, {$39.00} have been coming out of my bank totaling {$1000.00} has been taken out of my checking account and no changes have been made to my student loan status nor have these payments been applied to my loans. I contacted Federal Student Loans and told I was scammed, and these forms are free to contact my bank. I have all of my emails and agreement from them. When I finally got through to them, they made me feel like I was making things up and even said in my agreement I was able to do these forms for free. Nowhere in the agreement said that. 
Unfortunately, my bank can not resolve my issue as it is 60 days before the transactions.
Product: Debt collection

Someone used my maiden name to open up a fraudulent credit card. XXXX XXXX XXXX is trying to collect a debt of XXXX from a fraudulent PayPal account. XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked repeatedly for TransUnion to delete someone else account from my report. They will not due so. I can not get information on this account, other than it is called XXXX. The company XXXX is a bank, I can not verify who owns the account there for I am not allowed information from XXXX about this account either. I do not know why TransUnion repeatedly refused to delete this account but its clear its not mine. It has perfect payments on time, but I do not care. I do not want other peoples accounts on my credit report.
Product: Credit card or prepaid card

On XXXX at XXXX. I recieved a notice from American Express Bluebird prepaid card that I had received my direct deposit from my unemployment benefits. At XXXX XXXX I tried to check my balance on the app and recieved a message saying for security reasons my account had been locked please call the number. When I called the number it gave me an automated message saying my account has been permanently suspended and have been sent an email and then hung up on without any option to speak to a human. In the email it states my account was permanently suspended due to actions that violate the terms of agreement. All of my household funds are on this card and it is devastating.