23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from XXXX XXXX XXXX to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated on XX/XX/XXXX attempting a final goodwill gesture to allow XXXX XXXX XXXX to contact their erroneous reporting, and they did not do so. I also sent a certified mail to Experian datedXX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.
Product: Credit reporting or other personal consumer reports

I have been trying for months to get Equifax to raise my XXXX score back to at least XXXX. They refuse.
Product: Credit card or prepaid card

I received a Chase XXXX XXXX XXXX  flyer in the mail with an offer stating to opt in to their email subscription and you will receive XXXX points after 3 months of remaining opted in and another XXXX points after remaining opted in for the full XXXXmonths. The offer I received in the mail stated you must sign up by XX/XX/XXXX. I signed up XX/XX/XXXX and have an email verification. I have remained subscribed to the email subscription since XX/XX/XXXX. I should have already received my first XXXX points, but after calling customer support I am being advised that leadership has reviewed my case and stated that I did not complete the required steps. However, they are unable to tell me what part of the deal I did not follow through with which is completely unacceptable. I need a clear and preside description of what part of the deal I didnt fulfill. This is their error
Product: Checking or savings account

On XX/XX/year> my debit card became unable to use. I called customer service and a representative stated due to a " bissneuss decision '' Bank Of America had chosen to end its relationship with me and close all accounts down with me. I had an XXXX dollar check depositing which was on hold status but it has since been released as of today there's XXXX. The check was backpay from XXXX for my daughter. I have rent scheduled on XXXX and an XXXX year old daughter no other funds. Bank of America is telling me they can't send me my money till the account fully closes on XX/XX/year> then I won't get it 7-10 bis. days after that. So I won't get any money from my account till XXXX. I have no money from now till I get paid on the XXXX. This isn't fair. It's cruel. I can't pay rent and I'm struggling to feed me and my daughter.
Product: Credit card

I have a business credit card through Citibank, a Citibusiness AAdvantage Platinum Select Card. My last statement balance was {$750.00}, and I paid {$700.00} on the due date of XXXX/XXXX/15 ( no disagreement on payment due date or date received ). I was charged interest on XXXX/XXXX/15, in other words 10 days after payment, on the month 's average daily balance, rather than the unpaid balance of {$50.00}. And almost exactly the same situation occurred last month ( with a similar charge ). 

This {$11.00} charge is in addition to the {$100.00} annual fee I pay, and the ~2 % fee paid by merchants. All other credit cards I have charge interest on an unpaid balance ( not the average daily balance across the whole month ), and I find this practice of Citibank 's to be i ) an unusual, illogical, and frankly, greedy attempt to create fees and ii ) unfortunately in keeping with Citibank 's reputation of aggressive and opportunistic ( fees ) behavior.
Product: Debt collection

On about a monthly or more frequent basis I am receiving calls for someone else 's debt. Based on information revealed on the first call I am aware that the debt belongs to a ex-step daughter whose first name is similar ( XXXX vs. XXXX XXXX ) The caller revealed they were collecting on her past due XXXX XXXX card. I have explained this to the collector on the phone and asked for my number to be deleted from their database. I have confirmed my DOB, SSN and legal name, which is clearly not a match to their debtor. I have been promised my phone number, name and other confidential information would be deleted but no action has been taken. Then when I again explained they were calling the wrong person and asked to speak with a manager, they hung up the phone. I continue to receive calls and now the " offer '' is to reduce the rate on my credit cards. I have no credit cards but the person they are trying to collect upon does. I block the number they use from the auto dialing system and then another number comes in several weeks later. When I have returned a call, almost always a non-native XXXX speaker is on the phone. I can not get them to stop calling me. ( Please bear in mind I have no debt in collection. I have several unpaid tax liens in noncollectable status at this time. The calls I am receiving are regarding credit card debt of which I have no cards and no balances owed.
Product: Prepaid card

I have already submitted one or two complaints about Bank of America to you and you told me it wasn't in your jurisdiction or your agency doesent handle this problem with the Edd cards for unemployment pandemic fraud and they did me the same way almost exactly and you guys said the company would respond but never did. Furthermore I look at the news and find that your agency sued them and won for the exact thing I told you happened to me. They suspended and closed an acct that they opened for someone in my name and the card with my name on it was sent to a XXXX XXXX XXXX address and was used to withdraw over {$25000.00} over a period of months from Pandemic XX/XX/XXXX until my discovery of it in XX/XX/XXXX at which time I tried to file a claim but they froze the acct and suspended it and would no longer talk to me nor could I file a claim and soon as I did they suspended and closed the acct, I was evicted from my home and lost my car and had toi get motel rooms and I was treated so bad by b of a and had to prove who I was over and over and over. Still I lost everything and they contended that it wasn't because I could not use my debit card for months until XXXX or XXXX when they finally put the money in the acct that I never opened. I tried to tell you guys this but you told me it wasn't your area but now 6 months later I see you won a settlement and sued them for XXXX XXXX dollars wow. What changed all of a sudden and why was my complaint not met with urgency? I want to talk with someene or I will go to the President himself if I have to. He at least will be fair about this hopefully.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 {$230.00} was taken from my debit card without my authorization from Riverwalk Financial Solution, when I tried to contact them their listed phone numbers were disconnected or out of service. Like wise their email address was not responsive.
Product: Credit card or prepaid card

Alliant Credit Union offers a cash back rewards program. I had saved up {$2100.00} in rewards. I went to redeem it but never received my money. They claim that they have a technical issue and have refused to credit me while they investigate. They simply say it will take them weeks to look into it with no resolution to a loyal customer. I'd highly recommend staying away from doing business with them.
Product: Student loan

I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?
Product: Credit card

SYNCB/Care Credit was contacted on XX/XX/XXXX at XXXX about an account showing on my credit report that I did not open or authorize. The first rep, XXXX, said the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. She transferred me to XXXX with Customer Service. XXXX said I was listed as co-primary on the account with XXXX. XXXX said she would pull the transaction history, but instead transferred me to XXXX. XXXX said a 1099 was issued on the account, then transferred me to XXXX with Fraud. XXXX did not provide any new information and wanted to transfer me to Recovery so I requested a manager. XXXX said he was a Fraud Manager but would not notate the account as fraud. He transferred my call to XXXX in Recovery. XXXX verified the address used to open the account belonged to XXXX, the identity thief. The account balance was {$13000.00}. I spoke to XXXX representatives before being transferred to Recovery and none of them would notate my account as fraud.
Product: Credit card or prepaid card

Bank of America over charged me for 8years on my prepaid credit card and whenever I spoke to them they just said its what our fees are. I was never given my unsecured card after faithful payment to them. XXXX they canceled my care took my {$5000.00} and is now charging me an additional {$400.00}. The settle.
Product: Checking or savings account

DEPOSIT CHECK AND GET PROCESS FOR ONE MONTH WHEN THE CHECK AVAILABLE THEY CLOSE THE ACCOUNT AND THEY DONT GIVE ME ANYTHING AND THEY GIVE ME DIFFERENT REASON EVERY TIME WHEN I CALL CHECK DEPOSIT TIMEXXXX NOTE THAT THEY CONTACTED THECOMPANY THAT ISSUED THE CHECK 3 TIMES AND THE ANSWER YES THE CHECK FOR XXXX XXXX  IBROUGHT ALL THE REQUIRED PAPERS INCLUDING THE CHECK HOLDERS INFO BY THE WAY THIS BUSINESS ACCOUNTS UNDER XXXX XXXX XXXX THE CLIENT SAID THE CHECK TOOK FROM CHASE BANK 3 MONTHS AGO LATE CHECK PAYMENT RESULT IN FINES
Product: Payday loan, title loan, or personal loan

Best Egg solicited a loan, telling me I was pre-approved for up to {$50000.00}. This was stated without any qualifications whatsoever by the company. On checking online with their " personal offer '' number, I was made to answer numerous financial questions and ultimately denied credit. Therefore I was clearly not pre-approved.
Product: Checking or savings account

So what happened was, when I went to link my debit card to another one of my accounts it told me that my bank who issued the card denied the link and then whenever I checked my Wells Fargo mobile app I found out that all my cards have been deactivated from my account. When I called Wells Fargo at around XXXX PM. Spoke with the lady named XXXX her ID # is XXXX. When she looked up my account, she said that, even though her department handles this type of stuff that mine had to go to a different department that handled the same issues, and I had to speak with another person by the name of XXXX. His number is XXXX. I asked her why did the card get deactivated my account and no notice to me and she said that it was due to a case that had already been closed when she gave me the case number it was to a case that I filed fraudulent charges too because of an XXXX and XXXX That I did not take somebody else had took and used my XXXX and XXXX accounts and started taking rides and I disputed them, Wells Fargo issued me a refund of my money then later on tell me that they werent fraudulent charges so they took their money back and then I paid their money back to them along with the overdraft and the case was closed. It was on this case that she said that my debit card was cut off because of and this card had nothing to do with that transaction and that case had already closed and it was all over with. I explained to the representative that I am having an issue identity theft with someone in another state claiming they are me Wells Fargo also allowed somebody to go into my safety deposit box and do something with my papers that I had in there which were my property deeds and some football and baseball cards and when I went to retrieve my stuff from my deposit box that was when I first noticed that everything I had an envelope had been opened. One of my deeds had been cut with a box blade. Also, whenever I open this Wells Fargo account, I didnt notice what was going on the time but my debit card says Ive been a customer of Wells Fargo XXXX XXXX and Ive never had a Wells Fargo account until now which was in XXXX and my paperwork also states that they didnt open a new account for me. They just modified an existing one and they didnt even tell me that it was going on. Also, Wells Fargo I believe has somehow hacked into my device because while Ive been trying to fill out this report, my phone hasnt been allowing me to enter in the correct information. It kept changing it to something else and earlier yesterday my phone just started calling Wells Fargo by itself with it sitting on the table and then whenever I went to my Wells Fargo app, the moment to go to retrieve my account number XXXX XXXX XXXX was just so happened to not be available at the moment
Product: Debt collection

TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$690.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX. I CALLED THE COMPANY IN XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$690.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$690.00} AS FOLLOWS : {$50.00} ON THAT DATE AT THE TIME OF THE CALL PAID BY DEBIT CARD, {$320.00} TO BE PAID FROM MY DEBIT CARD ON XX/XX/XXXX AND FINAL PAYMENT TO PROCESS FROM MY DEBIT CARD FOR {$320.00} ON XX/XX/XXXX. THE PAYMENT FOR {$320.00} WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO PROCESS THE PAYMENT AS AGREED ON RECORDING, FOR THE FINAL PAYMENT ON XX/XX/XXXX FOR {$320.00}. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE XXXX MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, THAT A BALANCE IS STILL OWED FOR THIS ACCOUNT WITH A BALANCE OF {$1000.00}, I WAS TOLD THY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING ON A PREVIOUS OCCASSION TO PAY THE DEBT. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE LAST PAYMENT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CNT FIND A APARTMENT TO LIVE. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THYEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY RECEIVED A LETTER FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED W/IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE SENT A UPDATED BILL FOR THE BALANCE OF THE ACCOUNT AFTER THE PREVIOUS PAYMENTS CLEARED AND ALSO VALIDATION OF THE DEBT WITHIN 30 DAYS AFTER RECEIVING THE LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my complaint to TransUnion on XX/XX/XXXX for the following inquiry XXXX/ XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX I have not Received any documents in a timely manner towards the Investigation
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent communication regarding unauthorized accounts on my consumer report linked to identity theft. I formally demand the immediate blocking and removal of these fraudulent accounts from my report, as I never provided written consent or a wet signature for their inclusion. 

These inaccurate entries have caused me significant emotional and financial hardship, misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial milestones, including purchasing a home and providing for my family 's needs.
Product: Debt collection

XXXX. I had intended to purchase a home warranty through XXXX XXXX with the purchase of my new home. I placed multiple calls to them and had a few conversations with various persons who promptly transferred me on to another person who did not answer. I left many voicemails during the period of XXXX XXXX thru XXXX XXXX. Through continued attempts by pushing option " XXXX '', I was promised return calls and the XXXX I received said my warranty would not cover the issue for one reason or another. At one point they even said someone came out for a second and said there was no drain clean out so it would again not be covered. I was workingfrom home and could not have missed I could not have missed them had they come. Furthermore the drain cleanout is at the front of the home, visible from the road. 
I had what appeared to be a pool leak. After many many calls they agreed to send out a pool person who was to contact me before coming. I was present at the home but he did not call. He did not look at my pool or at anything besides the pump which was, and still is operating just fine. I have a witness to this encounter. 
The company left me a message that this also would not be a covered repair as he reported that I had a leak in the solar panel. That is on the roof. He never looked at it. And that my pump had overheated and therefore it would also not be covered. My pump still is working fine. I never reported a pump issue. 
As I said I made many attempts to discuss the issues but they are obviously not staffed well enough to answer the calls and the person that no one can reach only works til XXXX Pacific time ... 
I opted not to purchase the warranty due to very poor, dishonest service and contractors. I never bought the warranty. They have attempted to bill me for XXXX and sent XXXX to collections, which is now XXXX. I am now being contacted by Transworld Systems Inc, repeatedly and they have yet to demonstrate that I purchased the warranty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Victorias Secret Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for Comenity Bank/ Victorias Secret Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Mortgage

I have asked mt mortgage company for an application to start the loan modification process. Caliber Home Loans is refusing to allow me to start the application process. The mortgage company will not give or accept the application.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX ( Capital XXXX, account # XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach and respond by CFPB to get proof
Product: Checking or savings account

On sunday XX/XX/XXXX I purchased equipment from XXXX XXXX I wrote hi a check for XXXX made out to cash. That evening his mother attempted to deposit it via mobile deposit. On Monday around XXXX XXXX XXXX up to my business saying the check was bad. So we both went to the bank, we approached the teller together, he explained the check did not deposit, the teller said it was due to it being made out to cash. I asked the teller if the check was voided- she said the check was voided, she also printed off a screen shot of my account and showed me where the check was pending, but would not settle in his account. Therefore I wrote XXXX a second XXXX check, which was cashed on the spot. A day later the initial check # XXXX was withdrawn from my account- I immediately disputed the charge- and the bank told me it was my responsibility to recover the funds from XXXX. Both the teller that submitted the dispute ( different from the teller that assured me the check was voided ) and the branch manger XXXX XXXX agreed the teller was at XXXX but both through their hands in the air. I have contacted my local sheriff 's office to begin a formal investigation process. I have banked with chase for XXXX years, both personal and business ; it baffles me how they have handled this situation.
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. 

Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX  XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.