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

I used a Barclays Bank Wyndham rewards credit card to stay at a XXXX hotel in XXXX, XXXX. I am supposed to get 5 points per dollar when using at a XXXX, but was only awarded 2 points per dollar. Barclays said the hotel is not a XXXX, which is incorrect, so we did a three way call with a Barclays supervisor and the hotel who confirmed that the property is a XXXX. She stated she would accelerate the issue and six weeks later I still have no response from them. The account number is XXXX The transaction date was XX/XX/2022. The transaction amount was {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported wrong information on my credit report.
Product: Credit reporting or other personal consumer reports

When looking over my recent credit reports I came across an account XXXX XXXX XXXX amount {$16000.00} that I didn't recognize. I've disputed this account because i'm currently trying to purchase a vehicle and nothing has been sent back to me as far as debt validation or updated credit report.

This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Debt collection

XXXX XXXX and XXXX at XXXX attempted to collect a cleaning fee on my apartment after I moved it. They send over a large bill with itemized selections for what all they had to do. I noticed that they had no line item for my security deposit, which, per the leasing agreement, was to be applied before I was charged for anything. I instructed them to please apply the security deposit to the bill and then mail me the remainder of my deposit. I was told they would review my case and contact me when the review was completed. I received one more email stating that they had reviewed and I still owed - nothing was said about my security deposit and I still have not rec 'd it. I replied, telling them this, and that once they could show me where my security deposit was, we could proceed. I never heard from them again. I have just rec 'd mail from a debt collection stating that the property sold the amount owed, and that I would have a collections on my credit report if I didn't pay. XXXX XXXX and XXXX made no attempt to notify me that my debt was going to be sold. They still have not provided me my security deposit.
Product: Debt collection

I was contacted multiple time by the company regarding a debt. I told the company that the debt is not mine. I was told basically told that it is mine and I need to pay now. Caller was rude and pretended like he was someone else to get me to give him personal information. 

I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Product: Credit reporting or other personal consumer reports

This is my 15th 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, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i got my statement and had several unauthorized withdrawals. On the XXXX through the XXXX of XX/XX/2022 {$5000.00} was withdrawn 3 times to people i dont know.I called the bank and closed the account and put fraud claims in.
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. 

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: Money transfer, virtual currency, or money service

Wise closed my account without any explaination or request for any information to clarify whatever issue they identified. 
I was not advised of the issue I found out when trying to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Debt collection

I have made numerous request for Central Financial Control XXXX Syndicated XXXX XXXX surrounding XXXX to XXXX accounts the creditor has placed on my creditor reports prior to notifying me of the alleged debt as well as refusing to disclose verification of debt. The latest communication was sent certified on XXXX/XXXX/2015 and the creditor has refused to respond as well as provide any disclosure of verification of debt details along with supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly XXXX XXXX XXXX, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity .
Product: Student loan

In XXXX 2015, I signed up for Direct Deposit to lower my interest rate, they took money out of my account, put it back in, took it out and put it in again When I called them to find the issue, they stated I had insufficient funds. I did not. They then took out the next payment at the end of the month to accrue the most interest as a DEFAULT That is absolutely bad business practice, and I have since ended direct deposit and have paid more than the interest rate to down the principal, yet I am still paying way too much for the loans I took out over 10 years ago I have again requested to lower my interest rate, as ironically, the only bad payment I have is that XXXX XXXX ludicrous practice that disallowed a lower interest rate The amounts were ludicrous that they offered my 6.8 % going down to 6.55 %? XXXX to XXXX. Especially when they take it at the end of the month to maximize the interest? Makes more sense paying it bi weekly with more towards the principal Biggest scam ever I went to XXXX, XXXX & XXXX XXXX
Product: Debt collection

1.I have never had an account with this company AD ASTRA RECOVERY SERVICES , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AD ASTRA RECOVERY SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I disputed this debt. First I got XXXX phone calls after I told them not to call me again the first time. I then received a letter saying that I had 30 days to dispute the debt and if I did not it would hit my credit if not paid. I sent XXXX letters, XXXX regular mail, XXXX certified on XXXX XXXX, well before the 30 day deadline. I noticed today that 4 days ago they hit my credit. I called today, the XXXX of XXXX, to inform them that I will be filing this complaint as well as taking legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian. Experian recommends credit cards on my profile based on odds of approval. So I decided to try luck with XXXX Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since Experian is recommending for me to apply. Also, I believe XXXX should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
XXXX XXXX XXXX
Product: Debt collection

Please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able to obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX  : XXXX The payment status is incorrect, please delete. XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. XXXX : XXXX The payment status is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX This account isn't reporting correctly, please delete. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of these collections misrepresents my payment history and negatively impacts my credit score. Furthermore, 15 U.S.C. 68 0 2 states ; A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA has continually reported unauthorized inquiries on my credit pofile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed 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 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX, Experian and XXXX dispute letters. The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

In regard of XXXX, EQUIFAX, and XXXX, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that XXXX, EQUIFAX, AND XXXX can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.
Product: Checking or savings account

Everytime I make a payment to a company wells fargo holds the money in my account for a week  or two and Im thinking the payment is already out of my account and wells fargo start charging me overdraft fee for {$35.00} and they keep charging me and I have to pay them back. I have the money in there but wells fargo delay taking out payments and it keeps saying pending for a week or two. They are scamming comsumers put of money. I went to the bank to complain about this to t he bank and they said this is the way the do banking.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 card or prepaid card

I have already submitted the required Paper work indicating that my XXXX card was stolen. The company has lost my paperwork and is demanding I reinvent the wheel. No. I refuse to refill this paperwork out yet again. 
This company has been contacting members of my family via phone and telling them to please have XXXX XXXX call me regarding very important information
Product: Credit card or prepaid card

I took a taxi from the airport in XXXX to the XXXX XXXX on XX/XX/2022. I was told the charge would be {$25.00}, but when I paid for the trip I was told that the credit card would not process so I paid cash but did not get a receipt. After I left the cab, I received a fraud alert from Bank of America regarding XXXX XXXX XXXX card, saying that two attempts had been made to charge {$5300.00} to my card. I cancelled the card immediately and filed a dispute. I have spoken to Bank of America at least ten times and written a detailed description of the events. Bank of America has reviewed the case but continues to deny my claim both through the dispute and the fraud process.
Product: Mortgage

I had fallen behind due to covid and loss of income. My business has suffered as have I.

I put in documents and was told no program was available to me. JUST PAY UP. I can not do that. I was given no parameters or reason as to
why??? NPV values were left off.

What are the guidelines.No one talks there.
Product: Credit card

In XX/XX/XXXX I started a Debt Management Plan with XXXX ( XXXX ). I have several credit cards that proposals were sent to, and all but one of the cards send a response back. The card in question is my TD Bank credit card. Since the proposals were sent out in XXXX, TD Bank has not responded to XXXX XXXX  requests. I have called TD Bank customer service multiple times. The first time they asked that XXXX send the proposals over again, this was in XXXX. TD Bank said it could take up to 30 days for a response to be made. Another month passed and I had XXXX reach out to TD Bank, and after over 2 months passing, TD Bank said they didnt receive the proposals. So again, on XX/XX/XXXX, XXXX faxed TD Bank yet another proposal for the debt management. The XXXX agent advised that I call TD in 3-5 days to get the proposal expedited. Since 3-5 days was around XXXX, I called them on XX/XX/XXXX. TD Bank said they had the proposal along with my authorization and that the status is " pending ''. I checked my XXXX creditor status page and it said " no decision made ''. On XX/XX/XXXX I reached out to XXXX yet again and told them I am still having an issue with TD Bank approving the debt management plan. The XXXX agent wrote me back and said that she spoke with a XXXX, and he told her that the proposal was in pending status. XXXX asked for additional clarification, and he was not able to assist the agent and she requested that someone in the proposal department reach out to the XXXX office to confirm status. At this point it has been 5 months of trying with TD Bank, all the while my credit score is continuing to drop because of late payments to them. My XXXX is a good chunk of money a month, and I cant afford many other payments outside of it- especially since when I confirmed doing the XXXX, the TD Bank card was part of the monthly equation. Working with XXXX has been great, and my other creditors have been great - and even sent me letters congratulating me on being part of a debt management plan. But TD Bank has been awful and all I want is for them to follow through on their word of getting the debt management proposal sent back with a response so that I can truly start to pay down my debt. Thank you for listening and if you need any additional information please do not hesitate to ask. I am hoping that making this move and filing this complaint will get this taken care of once and for all.
Product: Checking or savings account

On XX/XX/year> contacted Merrill Lynch XXXXXXXX XXXX XXXX to get a new advisor when my last advisor suddenly was no longer available. Made several attempts since then to have advisor reach out to me, as recently as last week and this week, and still no response. I am unable to close my account and/or withdraw funds and no one seems to be able to help me.