23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I used Amex Platinum Credit card to book XXXX rooms atHotel XXXX XXXX XXXX XXXX for XXXX right starting XX/XX/XXXX via Amex XXXX website. This stay costs me {$380.00} and {$390.00} with transaction posted on XX/XX/XXXX on my Amex card. I intentionally use this XXXX website with my Platinum credit card becauseevery year this card holder can redeem {$200.00}. I am Amex card member since XXXX and I have booked these XXXX  hotels several times in my past experience and I always get this {$200.00} credit back at the year. I did not receive any reminding or obviously email regarding any potential changes to qualify the credit. As you may know this credit card charges {$690.00} annual fee and the main reason I hold this card is to use XXXX website to book hotel and earn credit back. However, for the year of XXXX, I booked as usual and did not receive any credit back yet. I called Amex customer service several times and finally they told me the reason I did not get credit this time is that I did not choose prepaid payment but choose paid at hoteloption. This totally gets me shocked and surprised, as previous experiences never have this restriction. To me there is no difference between these payment selections, as I already plan for this consumption. Furthermore, I did not receive any reminding about this reservation that the current reservation would not trigger or does not qualify for credit cash back. Otherwise I would definitely cancel and re-book, which is fairly easy and straightforward. I feel so frustrated about this explanation from amex customer service and looks to me they try to use some delicate or hard-to-seen terms to prevent customer from getting the credit. Due to this, I resort to the CFPB for this complaint and check if CFPB agent can help me to get this credit back.
Product: Debt collection

i sent copies of police report and supporting documents stating i am victim of identity theft and they have not did anything to remove these accounts these debts are not mines. XXXX. Bank of America account open on XX/XX/XXXX  in the amount of {$5100.00} account numberXXXX XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX  in the amount of {$8000.00} XXXX XXXX  account number XXXX opened XX/XX/XXXX XXXX in the amount of XXXX, The credit bureaus sent official letters stating that the items were removed but they are still reporting.
Product: Debt collection

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Mortgage

After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

XXXX XXXX
Product: Debt collection

In review of my XXXX credit report on XX/XX/XXXX, I noticed a " Collection '' account being reported by IC System Inc. 

I do not know who this is and why they are reporting a collection on my 3 credit bureaus credit file. I have not received any communication form them in any for or fashion. Furthermore, they have violated my consumer rights under the Fair Debt Collection Practice Act Regulation F. This law was enacted on XX/XX/XXXX and clearly states that Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

This company has not done the above and should remove this account from my credit files.
Product: Debt collection

Security credit services is banned by the FTC and is violating my rights by reporting false and negative information on all three of my credit reports- XXXX, XXXX and XXXX under code 15 usc code 16815-2 and 1692g which is a major FCRA violation! I want this company to cease, desist and remove all negative reporting from all three credit reports immediately!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1300.00} BANKRUPTCY - XXXX - XX/XX/XXXX - XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries on my report I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2023 I noticed that my XXXX  account and its 12 years of photos disappeared. During this period of time I was preparing for XXXX and a trip to XXXX XXXX to see my brother and his family. On or about XX/XX/2023, after doing an exteensive search I found a link to XXXX support and messaged them about fixing or reinstating my account. The customer service at XXXX contacted me and instructed me to download a program given 4 stars on various App sites and held in XXXX  XXXX, XXXX which would be utilized to de-bug my XXXX app and restore the account. I followed their instructions and recieved a realistic text with a case number and information pertaining to how they would resolve the issue. It was reasonable to assume they woorked for XXXX. Thereafter, I traveled to XXXX XXXX, did not check my business account at Chase, and did not look at XXXX for several days. However, I started recieving strange texts about accessing my Chase Bank app as a. way of fixing the instagram issue. I immediately contacted Chase fraud, and filed a claim. It was at this point, that I realized 6 wire transfers not authorized by me were sent to another Chase Bank and to a person who I did not know. Chase could not retrieve the money, they did not give a reason why I would not be refunded. I did not aid or abet in this theft and Chase never sent fraud texts, calls or emails to alert me of these illegal wire transfers. I have opened investigations with the XXXX XXXX, XXXX  police who are pursuing a case against Chase Bank and the FBI is investigating hacking of bank accounts in general. However it is this Bureau which was created to aid consumers like me. I have sought legal counsel, however, such a lawsuit will take years. With the flick of a pain or a phone call to Chase, I believe pressure could be applied to return those funds to me or they could face prosecution or a civil lawsuit with treble damages. The other entities involved would be XXXX, who may have falsely linked themselves with hackers, the hackers themselves and XXXX which is really a tool for hackers unbenownst to me at the time.
Product: Student loan

I've made 120 qualifying payments on my Federal Student Loans. I submitted my final PSLF form and requested discharge from Mohela on XX/XX/year>. Mohela shows I made 120 qualifying payments and am qualified for discharge. But after 3 months my loans are still not discharged. Mohela customer service confirmed I've made the payments and qualify for discharge, but there is no timeframe for discharge and no one is responsible for the amount of time discharge is taking. I've spent 12 years in the same public service job to achieve discharge. I need to leave my job for multiple reasons, but I am stuck until discharge. Mohela said I have to be in a qualifying job at the TIME OF DISCHARGE! But not why. Mohela said I could look for another qualifying job while I wait for discharge, but I want to start my own business. I've waited 12 years. And now I've made my 120 qualifying payments, and I have to wait for another unspecified period of time in a qualifying job. There is no information updated on Studentaid.gov dashboard. Mohela said they sent the required documentation to Studentaid.gov. I need to file taxes. I need to start my own business. I can't stay in my current job any longer. No one is taking accountability for the time discharge is taking. Please help me.
Product: Checking or savings account

On XX/XX/XXXX, my house mate made me aware at about XXXX that there was fraudulent activity on her Bank of America account. Being that I too have an account with Bank of America I logged into my account and to my dismay I see that a total of {$640.00} were withdrawn from my account that morning. The withdrawal was made at a XXXX XXXX ATM located at XXXX XXXX XXXX XXXX . XXXX, XXXX NV XXXX. The withdrawal must have happened anytime between midnight and XXXX. I know it was an ATM withdrawal because there is an additional charge of {$1.00} for an ATM cash withdrawal fee. 
Please note the I still have the debit card in my possession. 
I immediately called Bank of America to report the incident, they suspended my debit card and transferred me to their claims department. I was provided with the following claim number XXXX. 

After a couple of days I received a letter from Bank of America stating that claim number XXXX for the account ending in XXXX was closed on XX/XX/XXXX. Based on the timeline, my claim was closed within 24hrs. They didn't even review the police report that was made on XX/XX/XXXX and faxed to Bank of America on XX/XX/XXXX. After receiving the letter that stated that my claim was closed I called Bank of America and told them I had faxed to police report. The Bank of America representative said they would reopen the case and would be under further review. After all this took place Bank of America did provide me with a new debit card, but after a week or so they proceeded to close my account. As of today XX/XX/XXXX my account still remains closed and the {$640.00} dollars that were stolen from my account have not been reimbursed. I have tried to contact them but after being a couple of hours on hold a representative normally answers and before I can finish saying hello they hang up. This account is being used by the state of Nevada to deposit unemployment funds ( the reason why I'm using it ), the unemployment devision has continued to deposit the funds to this closed account. Therefore I have no access to my funds during these hard times. As of today I still do not have an answer from Bank of America as to why my account was closed.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized hard inquiry from my credit report. This inquiry was not initiated by me and I believe it is a result of identity theft. 
Please let me know what additional information or documentation is required to process this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have corresponded multiple times and made numerous attempts to address this matter. However, I have encountered considerable difficulty in finding a resolution, as Equifax has provided inadequate assistance despite acknowledging the theft of my information. Furthermore, I have incurred significant expenses, including several XXXX dollars on certified mail, travel expenses for visits to their office, and numerous phone calls.
Product: Debt collection

I'm not quiet sure what this debt is, I have no recollection of this company. My now late father had taken my information and open / used accounts I had before he passed. I am very confused why they can not figure this out with all of the cameras they have in various stores. Thank you for your time.
Product: Credit card or prepaid card

I received multiple prescreened offers from Citi Premier Card. The prescreened offer included " XXXX bonus ThankYou points after {$3000.00} in purchases in the first 3 months of account opening '' I was already planning a vacation so I applied online, and I received an email approval on XX/XX/2019. I received my cards and called to activate my cards, by phone, on XX/XX/2019. The recorded message from Citibank said the cards were activated and available for immediate use. 
I attempted to use the cards for a deposit on a vacation that same day and the transaction was rejected. I called Cit and spoke to several people including 2 managers. 
I was advised that my account was suspended pending additional verification. That this verification could only be completed by completing a form which was mailed out that same day ( XX/XX/2019 ) as I activated the cards. The representatives could not tell me what the form said or what it required, and they could not in anyway expiate its completion. As of now ( XX/XX/2019 ) I have not received the required form. 
In summary my complaint is that I was not notified by Citi that I could not use my card despite credit approval, and activation of my cards. This action by Citi appears to be indirect contradiction of section 7 of the Citi Credit Card Agreement which lists the six events under which Citi can suspend your account. 
The Six events are in summary : 1 ) failure to make minimum payment by due date. 
2 ) returned payment 3 ) bankruptcy 4 ) failure to honor agreement 5 ) default on any other card with Citi 6 ) incomptence or death
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a recent and current police report on file with Chex Systems. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
M & T BANK XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i mailed 2 checks to my mortgage holder in XXXX CA. someone intercepted the mail & stole the checks. those checks got deposited to a credit union in XXXX CA. no signature on the back of the checks. my mortgage holder uses the same bank in XXXX for nearly 20 years & always signs the back of the check. The checks were deposited to The XXXX XXXX XXXX XXXX on XX/XX/XXXX. check XXXX XXXX & XXXX both in amount of $ XXXXMy account with JP Morgan Chase overdrew on XX/XX/XXXX. i reported the fraud to my bank. they reimbursed me for XXXX check, {$320.00} on XX/XX/XXXX. i received forms to fill out & when they got them back they reimbursed me for the second check. this was a provisional reimbursement. a year later, on XX/XX/XXXX, JPMorgan Chase withdrew {$320.00} and when i called they said they were unable to recover the funds from the Credit Union. they stated, " no response ''. they left my account negative {$180.00}. i got 3 letters from them online at their website stating they were not able to recover the funds & they got no response from the credit union. they gave me the address of the XXXX XXXX XXXX XXXX in XXXX CA & told me that i could foll0w up with them directly. i already called the Credit Union twice to no avail, and was told that communication was only down between them & my bank. my account remains negative {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX XXXX ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. Experian, XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX XXXX ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Product: Money transfer, virtual currency, or money service

I'm trying to link my accounts together so I can transfer funds between my accounts and I was blocked from doing so ... Please fix the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; CB XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.