23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I paid my mortgage XX/XX/30 XXXX. On Sunday XXXX I bought gas from a XXXX gas pump for {$25.00}. My car was skimmed there and I did not know until I got a email that my acct was overdrawn XXXX and that transaction had declined due to insufficient funds. I looked at my acct online and found {$4600.00} of ( XXXX  ) unauthorized transactions ( my daily spending limit is {$500.00} so none of it should have gone through. I called to cancel the CC immediately and was told they would send a new cc and it would take XXXX  days to research and reverse the charges. I told them that was not acceptable because my bills ( mrtg. ) to be posted for XXXX. It was a XXXX weekend and XXXX  was XXXX XXXX so the banks were closed. I was told there was nothing they could do. I had a huge XXXX XXXX  and so XXXX ( husband ) agreed to go to the XXXX  branch in XXXX XXXX Utah. They referred him to the claims dept over the phone. Hold times are over XXXX minutes, you have to keep explaining and being retransferred. I was on hold an additional XXXX minutes before I had to hangup and run an important errand. I stopped at the XXXX XXXX XXXX where they had me call again the employee spoke with claims and they said the mrtg would go through since the claim had been filed and the mortgage was authorized even though the funds were taken from all our checking and savings ( overdraft protection ). We were told the funds were pending but once they went through the fraud charges would decline or provisional credit would be available Said it would be resolved by the following morning and not to be concerned about the mortgage. The following morning the provisional funds were not added and I was - {$550.00} with more charges pending. I received a letter from XXXX at XXXX XXXX  that they returned the Mortgage.Called the Mortgage ( XXXX XXXX  ) company to let them know what happened and ask for their help to resubmit and make sure the mrtg was not late. They said the bank had not yet notified them so on their end the pmt was good XX/XX/30 and not late. Spent an hour and a half on the phone being told it takes XXXX days. Finally a Senior escalation XXXX added provisional funds after I insisted I had done everything I could and just need to pay my mortgage. Funds were there but now I have to go through a dispute process with Loan admin support to dispute the late payment -since I posted an extra payment on the assumption the bank did return the payment unknown to XXXX and the once they find out and rerun the payment it would show the pmt late. I have spent hours at branches on the phone, had a XXXX was told they would do something and then it wasn't the case. I was lied to was stolen from by the Fraud and have banked at Wells Fargo XXXX  years and the money and security and assurance was not there for me. I did get them to add the credit but Im worried about the investigation since they were so slow to provide provisional credit and was miscommunicated and have to prove now to my mortgage company to protect our credit from credit recording that we tried in good faith to pay our payment on time
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. 
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please handle accordingly.
Product: Credit card or prepaid card

I received my new account statement from Sunoco. The new balance they were charging was more than my actual gas purchases that were showing on my statement. On XXXX I bought {$23.00} worth of gas, XXXX {$12.00} worth of gas, on XXXX {$23.00} worth of gas. Those transactions totaled {$58.00} plus a {$2.00} fee for I do n't know what. They showed my new balance as {$76.00}. I called on XXXX XXXX to ask why this discrepancy. She said I have another gas purchase of {$16.00} that I made on XXXX. I said well why is n't that XXXX then showing on my statement. She said it 's just the way the statement cut off. That charge will be on next month 's statement. I feel that if they 're charging me for something they should be showing that charge on my statement. I 've been trying to pay off my balance every month to avoid interest payment, now this extra charge is just enough to prevent me from doing that this month. I do n't think it 's right. Citibank is the owner of this Sunoco account.
Product: Credit card or prepaid card

I received 3 promotions so far i only got paid for one of them. 
# 1 : started XX/XX/XXXX and ends XX/XX/XXXX earn a {$25.00} statement credit with XXXX if i make 3 purchases of {$25.00} or more which i did. 
# 2 started XX/XX/XXXX and ends XX/XX/XXXX Shop XXXX and earn a special offer also spend {$25.00} or more on three different purchases which i also did. 
# 3 We 'll Pay You {$10.00}. Just for Paying with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX which i also paid on XX/XX/XXXX through XXXX and the amount was XXXX. 

so far i only got {$25.00} and after i contacted them they send a paper by mail saying that they already credited XXXX before and thats it .. the issue is resolved. Whenever i try to contact them i have to waste an hour or two of my life to contact them. I am really bored of this strategy and if you can help i would really appreciate it. 
I do n't care as much about the money as i care about the whole lies about their promotion! 

I have attached proofs of my claims 11 pictures of the emails i received and other documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have made several attempts to resolve this inquiry issue with the customer service reps at experian and they have refused to help me remove these negative inquiries. 
This is a list of the fraudulent inquiries 1. XXXX 2.XXXX XXXX 3.XXXX 4XXXX XXXX XXXX 5.XXXX 6.XXXX XXXX XXXX 7XXXX 8XXXX 9.XXXX XXXX XXXX 10.XXXX 11.XXXX 12. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I thankfully screenshotted all my information. I dont know how, but it erased everything I typed. I have attached the screenshots also. I have attached documents that Shellpoint requested. I have attached my payments made on my mortgage account. I have attached my XXXX paperwork to show I was taking out of work. My job then let me go on XX/XX/year>. I have attached the checks Shellpoint currently has. I have attached my insurance estimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I had great approval odds and that I should apply for a loan to consolidate my credit card debt. It gave me an APR on my loan for 18.49 % but when I applied for a loan and got approved my APR was 26 %. Credit Karma deceived me and thinking that I had great approval odds for a low interest rate loan and that was false. The loan company is called XXXX XXXX
Product: Credit reporting or other personal consumer reports

I feel as though XXXX is not doing a thorough investigation. They are letting these creditors report false information. Its hindering me from getting approved from anything. Also I think XXXX has a fraud alert still on my report despite me removing it. Because I cant upgrade my checking account, companys XXXX XXXX XXXX XXXX are denying me without reason. I disputed credit acceptance and affirm multiple times. For a long time. I provided every detail they needed from me. From police reports to documents sent directly from the companies. Every single time I dispute it remains the same. And Everytime I wonder are these companys paying XXXX off. My problem is with experian because XXXX and XXXX are not reporting. Also credit acceptance has a balance on my report that states {$11000.00} but how if they sold the car for {$500.00} and they want to settle for {$2300.00}. Thats incorrect and needs to be corrected.
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are XXXX XXXX on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
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. Has Violated my rights. 

XXXX. Account Name : XXXXXXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 

15 U.S.C 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 reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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: Student loan

I'm attempting to contact the company regarding my right under SCRA. Their website says to login to my account ; however I can not login to my account because there is an unusual error. I confirmed the username and password I am using is in fact correct. Then the company says to contact them regarding my login difficulties. I search for their contact information and it turns out they do not have an email address to contact with concerns. So am I supposed to call or mail in my request to them? I'm extremely busy and do not have access to personal email during the day. I feel this is a tactic on their part to deter people from contacting them regarding their loans. I believe this is an unacceptable business practice in 2023 especially with all of the scrutiny this country is under regarding student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only company with an error reporting an account that doesnt belong to me. 

XXXX XXXX account XXXX Not only is his account passed the 7 years of reporting but it doesnt belong to me ... 

Equifax is causing distress and damages and I will have to pursue legal action if this can not be corrected.
Product: Credit card

There was a reservation originally made for XX/XX/XXXX to XX/XX/XXXX with this hotel called " XXXX '' located in XXXX, TX ( a remote small town in XXXX Texas ). Their website was not functional at the moment of reserving, so it booked from the dates of XX/XX/XXXX to the XXXX. I talked this out to one of their front desk agent whom was very polite about the situation and told me no issue they would refund me for the night of XX/XX/XXXX after they had sold the room. They have a " cancel before 72 hours '' policy however I did notify them about this issue well in advance. It is just now that they are trying to cover themselves with such policy. However they did not even announce the room in question and did not even make an attempt to " sell it '' even though the hotel is often booked. This is when I realized there was no intention of even refunding. 
When I filed my dispute with American Express, they even sent out some timestamps showing when I came in and came out last time of the hotel. It even shows I left on XX/XX/XXXX. 

I am being charged over a pity negligence, I wished American Express had helped me on this matter as the company kept sending random predatory calls from random XXXX surroundings numbers. It is just a dispute for one night, {$210.00}. American Express no longer wants to intervene as I lack " Signed documentation from the merchant promising a refund ''.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit card or prepaid card

On XX/XX/XXXX I checked my credit report and found a hard pull from 'ComenityCapital/XXXX XXXX dated XX/XX/XXXX on my XXXX report that I did not authorize nor initiate. I immediately contacted Comenity and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. on XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute on the grounds of fraud with XXXX which was denied. I then contacted XXXX on XX/XX/XXXX regarding the dispute and was told that I needed to contact Comenity to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted Comenity who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau.Currently, the inquiry on my credit report remains, as neither Comenity nor Equifax will take steps to rectify the fraudulent report.
Product: Credit card

comenity bank it stating I owe them money. I Do not owe, tried disputing amount last shown as I have a receipt for a return with tracking number. Merchant received the return over XXXX  months ago and never refunded.
Product: Mortgage

they are putting partial payments into a suspense account and not reflecting that amount when i call they dont allow partial payments
Product: Debt collection

I recevie a letter in the mail that was written on XXXX from a debt collector name, Pressler, FELT & WARSHAW, L.L.P. ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX
Product: Credit reporting or other personal consumer reports

I tried to register a Experian account for " Experian CreditWorks Basic '', to get all marketed benefits : Free Experian Credit Report and FICO Score Increase your FICO Score with Experian Boost Report and Score Refreshed Every Day On Sign In FICOScore Monitoring with Experian Data Experian Credit Monitoring and Alerts Free Dark Web Surveillance Report Free Personal Privacy Scan Credit Cards and Loans Matched for You However, after filling all required information, it says : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or Unfortunately, we have not been able to properly identify you from the information provided. Please note that your order has been canceled. If you continue to have issues, please contact Customer Care. 

I dialed the phone number, and there's no real-human customer services to verify me. And the automated system didn't help me at all. So I wrote mail to the Experian, and they didn't solve my problem, so I still can't register the Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX Bank tried on XXXX ; XXXX tried on XX/XX/XXXX and they pulled my credit on XX/XX/XXXX ; The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Credit card or prepaid card

I filed an return protection claim for an external computer trackpad after the merchant refused to take it back because I was past the 30 day return period. I mailed it to Citi Card Benefits Administration/ XXXX   XXXX XXXX using the prepaid label that they gave to me. According to the company, it arrived cracked, therefore it was damaged in transit ( I mailed it in new condition ). I asked the company to either make and exception for the damage in transit or to send it back to me. The company said it would send it back to me via XXXX ( tracking number XXXX ). However, the package has not shipped in over two months and after I have called the company multiple times no one can seem to tell me whats going on and the supervisor refuses to return my calls. 
Claim : XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason at all when I am using it for my business and i make transactions through goods and services. It must be a mistake as i confirmed i am over XXXX as they asked sent the tracking info and invoice and they still closed it without reason. I feel they are not actually checking the info at all as this has happened with many people before. The email linked to my PayPal is XXXX. Thanks
Product: Student loan

A different company took over XXXX XXXX while I was still in school, changing the rules to how you can pay back your private loans. There are no options for me to lower my monthly payments on my private loans, or to consolidate them. The monthly price for all of my private loans is variable every month, ranging anywhere from XXXX dollars. I can not afford this monthly, how do they expect people to pay back their loans?