23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> my bank XXXX XXXX did a funds transfer to 3 of my credit cards. 2 were processed correctly, however Care Credit ( Synchrony Bank ) was not. The Check from XXXX to Synchrony Bank was sent to correct Mailing Address with correct account # 's. The check was processed on XXXX but was deposited into a XXXX XXXX XXXX XXXX account. XXXX XXXX will not give me any information as I'm not on said account that check was deposited to. I have done a payment dispute with Sychrony bank who has been no help through the process. In fact Synchrony bank has stated to me several times that they do not hold any accounts with XXXX XXXX, however XXXX XXXX stated to me that Synchrony DOES in fact have accounts with them. On XXXX I faxed requested documents to Care credit ( Synchrony Bank ) it is now XXXX and they have not been in contact with me. When I call Care Credit they state check not there and to contact both XXXX XXXX and my Bank XXXX XXXX XXXX got me no where and my Bank XXXX is currently investigating the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMEX, XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

Since XX/XX/2020, I have been unemployed. I lost my job due to the pandemic which has caused me to default on my loan. At this time I am not in a financial position to qualify to modify my loan, nor do I have the funds to reinstate the default. I have been trying my best to apply for a loan modification with my servicer but I do not make enough money for them to approve it. I have a XXXX  son that I care for on my own and I just need more time to get through the process of selling the home so that I can get this resolved. I have submitted a short sale application, which is what the mortgage lender offered to me, now I just need them to halt the foreclosure sale so that I can complete the process. I am struggling to make ends meet and do not want to be kicked out on the street with my son the same month that he is scheduled to go back to school. I am pleading for someone to help me reach out to Fay Servicing to request a postponement.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX made phone calls to individuals not associated with my credit account. XXXX  had called my phone number for which they had permission on Thursday XX/XX/XXXX. The person that left the message identified themselves as Specialist XXXX ( could not clearly hear name after specialist ). In the message they threatened to escalate to the next step. Unsure of what their intentions were at this point I considered reaching out to an attorney but could not afford to at this time. Then on the morning of XX/XX/XXXX XXXX called several people ( they identified 5 phone numbers when I called them back ) and informed them that they were a debt collector for XXXX XXXX and they needed to speak with me immediately. When my mother-in-law asked how they had her number, XXXX XXXX informed my mother-in-law that I had used her as a reference when I got the account and that is why they were contacting her. I originally opened this account with XXXX XXXX who transferred the account to XXXX. The account was open for many years before I even met my wife so their statement that my mother in law was a reference is just not true. This damaged the relationship with my in laws because they now believe I used them to obtain credit without their approval. My mother in law called my wife immediately to inform her of the call. While on the phone my wife received a call from XXXX  as well. They informed her that they were XXXX XXXX looking for me to collect on a debt. Immediately afterwards, I called XXXX and settled and closed the account. During my conversation I asked why they had contacted other people regarding this debt, they stated that they were listed references on the account. I asked what numbers they had listed, while they would not give me full numbers or any details as to who they contacted and when, they did give me the final 4 digits of each number they had. Four of the five sets of digits they gave me I never provided and only 2 of the 5 sets I was familiar with. I asked XXXX to remove those numbers from the account and informed them that I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card

I'm sure you've all heard of the bonus rewards miles if you sign up for a sky miles card when flying with delta. They have the flight attendants walk down the isles handing pamphlets out and when you're checking a bag they also will ask you to sign up. 

Around 5 months ago I signed up for a card at baggage check after the attendant was aggressively trying to get me to sign up ( I think they must get a commission ). She hyped up the card saying you will get these miles and it'll be enough for you and another person to take a trip anywhere in the states. I was excited and have been patiently awaiting my bonus miles to come through. 

The stipulations were : spend {$2000.00} in the first 3 months. 
Pay the required monthly payment before is overdue I spent over XXXX and never had an overdue balance. 

Fast forward to today. I called Amex to find out why it was delayed and they let me know my welcome bonus had been rejected! I was furious because that was the only reason I had signed up for this card. They couldn't tell me why it was rejected only that it was final. 

Here 's the kicker, I read through the entirety of the terms and conditions. The offer terms clearly state " if you do not qualify for the welcome offer bonus you will be made aware before your application is submitted, at that time you will have the opportunity to withdraw your application before submission ''. Signing up through delta I was told no such thing, only that I'd love the card and my bonus sky miles. At the very least Delta/Amex partnership is flawed and i should not be penalized because they need to improve their process. 

I communicated all of this clearly to the online chat and via phone call and basically was told that I can pound sand. I am furious at the dishonesty and greed displayed by this company and am lookin for options. Regardless of why my welcome offer was rejected, It's clear I'm in the right after going through the terms and conditions. 

Any advice?
Product: Money transfer, virtual currency, or money service

Because I have disabled my Coinbase account because of the hack I do not have access to exact dates, numbers, however I can express my actions. In late XXXX it seemed the first initial hack. Since then it is believed that XXXX has been taken from my crypto sent to the same crypto address. I emailed coinbase about this and then decided to disable my account while I await further response.
Product: Credit reporting, credit repair services, or other personal consumer reports

APEX ASSET MANAGEMENT, XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF {$1300.00} AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, APEX ASSET MANAGEMENT HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report with Equifax contains incorrect personal information, which has caused several unknown and inaccurate accounts to appear. As a victim of identity theft, my personal information was used fraudulently, resulting in multiple accounts on my credit report that I have no association with. I filed an FTC report as instructed by Equifax and submitted all necessary documentation, yet these fraudulent and inaccurate accounts remain on my report.
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. 
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account.
Product: Debt collection

I had a similar experience with this law firm with a law suit from XX/XX/XXXX thru XX/XX/XXXX. It was a very horrific experience for me. Starting with the fact that I could not afford legal representation, as such, It was self representation. I was bullied through the court system which caused me a huge financial loss for forced settlement including their legal fees. Final judgement settlement {$1800.00} of XX/XX/XXXX. I made 3 installment payments to clear it. This amount was on top of every payments I made over time to catch up and be current, both assessments and late fees on XX/XX/XXXX {$1400.00}. 

Now to the current situation. I have made a fair offer for an amicable resolution. 
Every relevant documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet Class Action Says Income-Based Repayment Plans Cancelled. Student loan servicer Nelnet has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) CORPXXXX XXXX XXXXXXXX / ACCOUNT # XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Checking or savings account

XX/XX/year> called and escalated issue of closing Citibank cd account. Amount of XXXX. I provided my social security number, account number, and name but they still required my secret word for verification. I am unable to reset the word or verify myself in any other way and am unable to cancel my account through the phone or through my account after logging in. The only other option is in person at a branch which is over an hour and a half away from where I live. They are basically holding my money hostage without providing me another way to verify myself over the phone. I have tons of other documents than can be provided but somehow just a single word is all I need. They are also unable to provide me with the hint I used that would prompt me to remember the secret word
Product: Credit reporting

I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit card

On or about XX/XX/XXXX consumer found out that Capital One Credit CorpXXXX closed account. Consumer has been a Capital One customer since XXXX with timely payments and no adverse activity. Account ( s ) were closed without explantation and company will not respond to any request to provide lawful reason ( s ) for account closing. Consumer alleges that account was closed for discriminatory lending practices by Capital One Credit Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Three Fraudulent Hard Inquiries on my Equifax credit Report. I originally disputed these fraudulent hard inquiries and got a letter back from Equifax that they do not have records of those inquiries which don't exist. As of XX/XX/22 I checked my free annual credit report and noticed Equifax is still reporting these fraudulent hard inquiries, which is illegal.
Product: Mortgage

I have consistently applied for a modification over the past 10 years requesting they modify my interest only predatory loan from 10,8 % interest rate on a 15 year loan only fir this lender to ignore me and I get nowhere thru the servicing lender XXXX XXXX. XXXX XXXX wants to blame XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have done nothing to Consider modification and are trying to say I owe XXXX but yet if they foreclose they want to collect on XXXX and sell it to someone other than me and I lived there XXXX  years-because the loan recasted and they want to collect interest accrued from me but not the same amount on foreclosure steps. This was a predatory loan and I was not advised on how it recasts. They will not waive the interest of XXXX so I can make a payment
Product: Checking or savings account

I deposited money online to the Citibank to open a savings account On XXXX they deducted {$1000.00} from my XXXX checking account and I received confirmation it was received. On XXXX I had them deduct {$2000.00} more from the same XXXX account. 
The next day I got an email saying I violated the terms of the client manual They did deduct the {$2000.00} I have called at least XXXX  times asking for them to return my money. I can not get a straight answer. On XXXX I went to my banker at XXXX and he called. They said they were sending the money back on XXXX, XXXX  days after they closed the account. I called yesterday to see where my money was and was given the run around. They have taken the money from my account and will not return it I am XXXX XXXX XXXX and I just dont know where to turn I am hoping you can help me. Thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXXXXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I'm filling a complaint against pay pal for taking XXXX they fraudulent open account under my name then some one from pay pal called and emailed me told me to send XXXX dollars to them to close my account then they use harsh words that this will effect my credit and and everything thing else this is scary if pay pal doing this why is they still open I'm seeking mediation for my XXXX dollars asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since the pandemic began. I thought it was resolved but I see that it has not because there are clusters of hard inquiries at attempts to take out auto loans or credit cards. The most current inquiries were made after I had placed an identity theft on my credit and I noticed because I recieved an email from the lenders letting me know they couldn't offer me credit because they couldn't verify my identity and I confirmed to them it wasn't me. I only have one credit card, my XXXX  XXXX card that's all I have applied for and have had, and I have one vehicle that is a XXXX  and I bought it paid in full, I never had to take out an installment on it I just paid cash for it back in XXXX of XXXX. However mine and my mom 's social security numbers are basically the same except they are one number different at the end. I believe when she went to the dealership to take a loan out on her vehicles my social security number was given instead of hers, I know my credit hasn't been ready to take out another car loan that's why I waited to purchase my vehicle in full. I believe they were trying to make a sale and so they kept running it until they realized they were checking the wrong person 's credit instead of hers. I see this happened twice, there's a huge cluster of hard inquiries in XXXX of XXXX and then another cluster in XXXX of XXXX that I did not apply for a car loan for. The other 's I believe are a part of the identity theft that I am continuing to fight. I'm not sure how to stop it. Luckily, nobody has been able to obtain credit or loans. These are the inquiries I believe are done due to the result of my multiple identity thefts : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Attached is my identity theft affidavid/ FTC report for these inquiries.
Product: Checking or savings account

Called Vanguard around XX/XX/2018 requesting they deposit {$4000.00} dollars in my XXXX XXXX XXXX in XXXX California. They told me the money would be deposited the following week around Wednesday or Thursday. I told them I need the money now because I was going out of the country. The respose was the same. They told me how much it would cost/ Taxes on the money. I agreed. The Money was never deposited. I was lucky I had borrowed {$1000.00} from the XXXX .They gave me the cash the same day. The money from Vanguard had never been deposited into my account. I had a previous time of very bad business before and am very uncomfortable about calling them. I am retired, worked for XXXX XXXX, and have a 401K. That where I was getting the money from.