23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a transfer balance credit line to consolidate my large amount of debt. I was not notified that i was approved, but instead Chase bank made a low payment without my approval to the line of credit they chose. I was not aware of this payment until i received a bill in the mail. I applied because i was trying to reduce my monthly payment while on a financial hardship, not to add another payment to my bills. If i would have been given the option i would have declined this low offer. i do n't apply to credit cards expecting them to make purchases for me. This is fraud and i do n't agree with it.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope everything 's going alright! I sent you a dispute letter on XX/XX/2021, but I haven't heard anything from you, and its been over XXXX days already. I await for your response and I need those errors on my report to be deleted as soon as possible. I am reattaching my most recent dispute letter so please check and conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax cyber security breach that affected over 140m consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated ny rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It aslo states that a consumer reporting agency can not furnish an account without my written instructions
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 confidentially under 15 USC 1681 XXXX

account number ending in XXXX XXXX XXXX  balance {$990.00} has violated my rights. 
account number ending in XXXXXXXX XXXX XXXXXXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXX XXXX  balance {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A 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 agency may make any consumer report containing any of the following items 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 card

Synchrony BankXXXX XXXX Credit Card introduced a {$1.00} paper billing fee. However they emailed the change of terms, which ended up in a spam folder. Since this bill is paid automatically each month, I didnt discover the new fee and resulting interest on these fees in my paper account statement until several months later when I was marked delinquent. I called Synchrony & the initial representative was unhelpful. After escalating to the supervisor, he was able to waive the interest & fees ( {$46.00} ).
Product: Student loan

XX/XX/XXXX To Whom it May Concern, In the fall of XX/XX/XXXX I was contacted by Ameritech Financial with the promise of a program to help me pay back my student loans. The promise was I would pay a reduced amount for 10 years, then the remaining balance would be wiped away. I researched the company, talked to representatives from the company, and checked with the XXXX XXXX XXXX ( which gave Ameritech a good review ). This deal was similar to something other companies were also offering. I started paying the {$100.00} per month in XX/XX/XXXX. I continued to pay it all throughout XX/XX/XXXX ( 12 months ),  and noticed that in XX/XX/XXXX,  the payment did not automatically come out of my checking account, as the previous payments had. When I checked with XXXX XXXX ( the Department of Education organization that my loans were originally with ), they informed me that I hadnt made a payment in over a year, and that I was on a zero payment repayment plan. I had not made those arrangement with XXXX XXXX, and my username and password no longer worked. My guess, with the help of the agent from XXXX XXXX, was that I had been duped, and Ameritech had something to do with my login information changing and my zero repayment being set up with XXXX. The agent from XXXX XXXX recommended that a file a complaint through the Federal Trade Commission. I did that, with no result, just a sorry, but decided to call them anyway. They recommended I file a complaint at consumerfinance.gov., hence this complaint. In the meantime, I did a little more research on Ameritech Financial, and saw many stories in the news how Ameritech took money from many people hoping to help pay off their student loans. I will be attaching an email I received from the Federal Trade Commission in regards to legal action against Ameritech and what I can do. I am hoping that this letter is the first step in recovering the money that I thought was going towards my student loan, but was in fact lining the pocket of some crook. Thanks in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Student loan

I co signed a loan for my daughter with Sallie Mae when she was at the university now she attends XXXX college and they have forwarded paperwork so that her loan can be deferred. Sallie Mae has been harassing me, my neighbors as well as family members i don't associate with and friends by LYING and saying I used them as a reference and i have no references AT ALL LISTED. I just got into a terrible argument with my neighbor because she said XXXX from SALLIE MAE called and said i used her as a reference and they are trying to reach my daughter and I. the argument got so bad we were i each other faces yelling because my neighbor was upset because she was told i used her as a reference and I NEVER PUT ANYONE DOWN AS A REFERENCE, SALLIE MAE is playing with people lives. WE almost got into a physical altercation. i was trying to convince my neighbor that I never gave out her number to no one. It is ILLEGAL for SALLIE MAE to HARASS ME, MY FAMILY, MY NEIGHBORS. I WANT THEM TO STOP CALLING ME, MY DAUGHTER, MY NEIGHBOR, AND THE PEOPLE WHO I AM RELATE TO THAT I DON '' T SPEAK TO. My daughter and I are being harassed and want them to STOP!!!!!!
Product: Credit card or prepaid card

I was a victim of fraud. Someone scammed me via telephone, saying that they were XXXX, regarding a cable promotion. I answered the phone call thinking that they were a legit representative from XXXX and XXXX, which they were not. They talked me into getting my credit card information and they tried to steal {$4500.00} off of my credit card and tried to put the money on gift cards to obtain services, but never received the services. They did charge my credit card, which they did it as a cash advance, which I did not authorize. Therefore, I was able to retrieve my money back by contacting Navy and allowing them to assist me in correcting the issue. Therefore, it has caused my credit card to be charged double interest because Navy Federal Credit Union treated this as a cash advance and is still charging me double interest, which I should only be paying one interest on my own charges purchases. I contacted them about that, but they never fixed the issue. Please correct this matter immediately, where I am ONLY charged for one interest, which is for purchases and not cash advances. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. 

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.
Product: Mortgage

The XXXX provided in response to the previous complaint lists the house as a 3 bed/1 bath, but it is a 4 bed/2 bath. The value should increase proportionally and PMI should be canceled as the XXXX will be under 75 %. 

In addition, the company still hasn't removed the property taxes and hazard insurance from the escrow account. I need the property taxes and hazard insurance taken out of escrow, I need to pay them myself. They are holding them XXXX.
Product: Debt collection

A scam " locator '' named " XXXX XXXX '' said he was going to come to my job and/or home to serve me papers regarding some case that I do not know about. He had a case number of " XXXX ''. He gave a return number of XXXX, which is for a company that does not exist.
Product: Checking or savings account

Someone gained access to my account and XXXX  themselves {$1200.00} out of my checking account. I notified Wells Fargo of the incident the day it happened and the transaction showed pending in my account. They closed my account and opened a new one but 2 days later the transaction showed complete. I've filed 2 claims and both have been denied as " Someone with access to your account made the transaction and therefore your claim has been denied ''. The first claim was denied within a few days so a police report was filed and another claim was submitted. That claim took longer to complete and included documentation of the transactions along with IP address information that clearly shows IP addresses from other states I do not live in nor have traveled to. The claim was denied as " someone with access to the account made the transaction ''. Someone gained access to my username and password and hacked my account. I have since updated my username and password to a much stronger one and do not use it for other websites but I have run out of options with WF and am filing a complaint here.
Product: Debt collection

XX/XX/2020 I contacted Collins Asset Group LLC # XXXX, spoke with a XXXX, and was advised that the company no longer had my account in their possession or in the office, and that the account had been outsourced to another company. She refused to provide me with any account information in reference to anything I owe or how to remove reporting, but Collins Asset Group is the company reporting that I owe them funds. Disputed issue with XXXX XXXX online, Collins Asset group responded that information is accurate, so i contacted Collins Group on XX/XX/2020, spoke with a XXXX, and she confirmed the same information that it was outsourced but also could not inform me on my account information. She refused to dispute and advised that the outsourced company will be handling case and payment options, and once I resolve issue with them, they will contact XXXX to remove reporting. I explained my situation to XXXX and she agreed with me that if the account is no longer in their office and has been outsourced, the outsourced company should be reporting against me not Collins Asset Group LLC. I then contacted XXXX XXXX and spoke with XXXX who escalated issue by re-disputing error on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XX/XX/XXXX someone went to a XXXX XXXX XXXX   in XXXX SC and opened up a personal loan in my name and was paying on the loan until XX/XX/XXXX. The individual stopped making payments and I was notified to make the payment through XXXX XXXX credit monitoring service. I contacted the store and spoke with the XXXX. I was told they couldn't give me any information over the phone I would have to come to the store in XXXX SC. I drove to the store and spoke with the manager XXXX XXXX. She asked for my driver 's license and social security card. After taking my information she made a copy of the documents and still didn't give me any information. I left the store and went to the police department and filed a report under number : Case # XXXX in the XXXX XXXX XXXX Department in XXXX SC. As of today the issue has still not resolved. I am asking for a copy of the loan agreement that this store claimed I sign and to have this store remove my name from their database as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Did not have sufficient security to stop a breach of biblical proportions. It 's embarrassing. 134 million users information leaked
Product: Debt collection

XXXX XXXX acquired two debts ; one from Capital One and another from XXXX XXXX XXXX   XXXX XXXX admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about items that they have listed on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. They have not produced any original signed copies of any on the accounts. When a consumer request for verification of proof of signed documents the credit beaus are to product this information. I do not have any business nor accounts with those creditors
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. 
I told the XXXX, Transunion, and to reinvestigate these account : Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and the status date still stating 2019 which means there was not a investigation done they have fail to do proper investigation and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

On XX/XX/XXXX I received a letter from Optimum Outcomes regarding a debt I alleged owed for from XXXX XXXX Hospital in XXXX XXXX, Florida. It was alleged that I owed {$16000.00} for a procedure done upon me on XX/XX/XXXX. On XX/XX/XXXX I contacted the company to learn why I had received this letter. I was asked for my name, address, date of birth, and social security number. My date of birth and social security number were different from the person they were looking for and I was told the matter was closed. On XX/XX/XXXX I called the same company to request a letter stating that I am not the person they sought. I did so to avoid being harassed by this company in the future and to protect my credit rating should this fraudulent bill become an issue. The representative refused to provide such a letter by stating that " they don't send out such things. '' I responded that this company has no difficulty generating a letter to the wrong person and I wanted something in writing to verify that I was not the person with the debt. A short debate ensued and the woman hung up on me. Optimum Outcomes caused me consternation for I bill I did not owe and I had to take time to rectify their error which they could have remedied had they done their due diligence before attempting to collect a debt I did not owe. I should not be incumbent upon me, the innocent party, to fix their mistake. In addition, I can not see why the request I made for a letter stating that it was their mistake was so rudely denied.
Product: Money transfer, virtual currency, or money service

I requested a balance transfer from my Citizens XXXX XXXX on XX/XX/2023. Citizens does not warn/advise WHEN the promotional rate will expire. It's not online on my credit card account nor is it listed in my monthly statement. The only way to determine the expiration date is to call customer service. 
While the balance transfer process likely disclosed the expiration date when I requested it, I failed to make note of it at that time.
Product: Checking or savings account

On XX/XX/2019 I received a letter from the Pentagon Federal Credit Union informing me that I am being upgraded to a PenFed Visa debit card to replace the ATM card that I've had for the past 18 years. I called the credit union and explained that I did not want or need a debit card and that I would like to continue with an ATM card. They informed me that it was a requirement placed on them to switch to debit card and would not provide me with the language and/or directive that requires them to do such. 

I followed with an online complaint to their board of directors ( the only avenue available after speaking to a rep ). I received an email reply stating they made the decision to stop offering ATM cards to members with checking accounts in favor of the Visa debit card.

I find this change to not be leading or best in class as they state, rather it is predatory marketing forcing a financial product into members hands with the anticipation of generating more income and revenue through their association with Visa. I nor any other member should not be forced into excepting a financial product that is unnecessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX