23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint. 

It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.
Product: Credit card or prepaid card

Apple closed my account for regulatory reasons and will not disclose what those reasons are. 

Ive never had a late payment or received any notice from them. The Apple Card is issued by Goldman Sachs. 

Id like to know specifically what the reason was. This closure will affect my credit score negatively.
Product: Debt collection

They took control of an account where my wages were stored while my wages are EXEMPT from garnishment. When I pointed this out they said that they knew they were not allowed to touch my wages and so thats why they took my bank account where I have around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Experian Credit Bureau : Member ID XXXX XXXX XXXX XXXX My name on the account is XXXX XXXX XXXX and I am trying to cancel my account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks uo. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Debt collection

The following account is not mine from XXXX XXXX XXXX I never signed an agreement with this company. I've ask the company to provide me with documents and any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states '' The communication is from debt collector, but not an attempt to collect a debt '' Accounts Number XXXX {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Citi Bank due to not being able to log into my account via mobile app or online portal. They informed me that my account was closed and that they would mail be a check / letter in XXXX. They refused to tell me any information. This was on XX/XX/XXXX. 
On XX/XX/XXXX, I called back asking to speak with a supervisor and they hung up on me. 

On XX/XX/XXXX, I received a phone call from the bank telling me that they suspected fraud on my account in the amount of XXXX. I DO NOT EVEN HAVE NOR EVER HAD THAT MUCH MONEY IN MY ACCOUNT. 

They are stating that I need to submit payment and that my account is closed due to fraud and being overdrawn. When I ask to speak to the fraud department, they hang up on me before they even transfer me over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently reviewed a copy of my credit report, i was shocked to learn i have been a victim of identity theft, i found numerous accounts on my credit report that was not open by me, this has been hurting me, please remove from my credit report as soon as possible
Product: Debt collection

Two days ago I had spoken to XXXX rep at XXXX about my debt. I asked if I could settle considering I did not have the {$2200.00} balance at the time. She asked me what my offer was, I said {$1100.00}, she said it was going to be approximately {$1700.00}. I told her I would have to talk to my wife, the moment I said that the tone of the conversation shifted quickly. And ended abruptly. 

I called back today after having spoken to my wife to reconcile the debt. I asked to speak the supervisor so I could process the payment considering the last conversation I had was fairly abrasive and I wanted to have a pleasant interaction. 

I was told it didnt matter and I had to speak to my rep, and he wouldnt take the payment. I declined to pay with her and hung up the line. 

He called back moments later nearly yelling that she shouldnt have offered you the settlement, thats a courtesy and you will now have to pay the full balance of {$2200.00}, and said good luck, if you dont pay it, it will report to your credit. 

XXXX the supervisor. 

All of these calls have been recorded.
Product: Checking or savings account

Bank paid garnishment from Trust or Fiduciary account. These are funds of others held in trust for closing of real estate transactions. The funds legally can not belong to the account holder.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To Whom It May Concern : My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Navient solutions Reported on My XXXX Credit file that This one Account is Closed With Multiple Late Payments.
They pick up A New Loan in XX/XX/XXXX Which aim current With. They Late Pays On This Closed Account in 2014 should be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CREDIT CARD STARTIN XXXX OPENED AN INVESTIGATION ON XX/XX/2024 NO ACTION HAS BEEN TAKEN ON MORE THAN 30 DAYS ACCOUNT SHOULD BE REMOVED INMEDIATELY SIN XXXX XXXX HAS VIOLATED A CREDIT REPORTING RULE. WHEN AN INVESTIGATION EXCEEDS 30 45 OR 60 DAYS AND THE BANK DOES NOT RESPOND IT IS NO COMPLAYING WITH THE CREDIT REPORTING OVERSEEING LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  REPORT PAST XXXX DUE TO EQUIFAX, XXXX PAST DUE TO XXXX AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home, so when the home loan officer ran my application and asked for my credit report from equifax, equifax would not release it because they said that my social security belongs to someone else. I faxed over documents to prove its mine : social security card, birth certificate, passport, Drivers License, w-2, and paystubs. I faxed them over XX/XX/2020. Then to be safe I also mailed them in on XX/XX/2020. 

I have called everyday to see if they received them and they keep saying no.

When I asked what number to fax it to, I got 2 numbers from their representatives, and if you XXXX Equifax theres endless numbers on their website. 
Same for addresses. There are about 4 different addresses.

I made sure i faxed it and mailed it to the right ones and I am still in the blind because they wont say they received them until they are done processing them. They should have clear answers and just let me know they received them and are working on it.

Its been 2 weeks now, I found out about the misinformation on XX/XX/2020 and nothing has been fixed. I am trying to buy a home and can not proceed until this is resolved. 

The other 2 credit companies ( XXXX  and XXXX ) have no issues with my social security number belonging to me or my credit. They should all have the same information.
Product: Debt collection

I am writing to formally lodge a complaint against Convergent Outsourcing Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
I recently received communication from Convergent Outsourcing Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : XXXX. Failure to XXXX XXXX : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 
XXXX. XXXX XXXX of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, Convergent Outsourcing Ink is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 
XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 
XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against Convergent Outsourcing Inc. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. 
I am attaching copies of all relevant correspondence from Convergent Outsourcing Ink, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. 
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2022, I checked my account through synchrony bank for XXXX XXXX and discovered my account credit limit decreased from {$2200.00} to {$1600.00}. Now that might not seem like alot to some but to me and my husband who have other bills to worry about it is. I have been in good standing on this account since it opened. I have made good payments on this account. When I asked the company about why they did this as I got no warning notice at all of this, their response was they pulled a credit check and decided to lower my limit based on that. Now I have had credit cards thru other companies and they NEVER pulled a credit check after I was a established customer. This baffled me that synchrony did this. Then they had the audacity to lie about my credit score stating it was XXXX points lower than my report actually said and stated their decision was on the basis I lacked any mortgage history. I didn't even have a mortgage when I opened the account with the above stated credit limit. They obviously didn't care about it then so why now? Now because they did this my score decreased XXXX points, My card is almost maxed out and my minimum payment went up to where I can no longer afford to pay it along with other bills. Their customer service rep was very rude and unhelpful. I can not even believe what they did was legal yet their rep said it was and they are protected by their policy. They claim a letter was mailed to me XXXX XXXX but I never received said letter. 


Thank you for any help given.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase, I sold my Bitcoin and hit a button to withdrawl my {$160.00} I got confirmation letter the money would be in my back account by XXXX XXXX. I have not recieved it and have no way to contact the company they do not answer the phone they just say send an email to support but I could not figure that out either
Product: Mortgage

I called and spoke with XXXX, he stated he was going to transfer me to a loan specialist. Prior to them completing their conversation, he joined the call and I heard the representative saying, " I'm not going to work with anyone name XXXX. '' Then they hung-up. I called back and spoke to XXXX and I told him I heard the conversation. It is extremely XXXX and unprofessional. Which he claimed I didn't hear anything and that I heard wrong then he hung up on me!
Product: Checking or savings account

Wells Fargo has taken more than {$500.00} in overdraft fees in the past week, causing my account to be more than XXXX $ in the red. Wells Fargo also keeps charging me interest on the credit card, while continuing to charge me overdraft fees. I don't understand how predatory a company can be while continuing to XXXX my account. I've contacted Wells Fargo multiple times and have found no resolution. They have taken money from my XXXX income, my grants from work for electric bills, etc, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our XXXX. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & *EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Product: Debt collection

XXXX XXXX  closed my account on XX/XX/XXXX or XXXX I believe XXXX. Many occasions this account was being shut down due to various circumstances for?. For some reason XXXX XXXX decides to reopen it in XXXX for? And claims I have a overdraft. When the account was closed. The account was not in the negative. Not only due the stats prove that this is not my debt, but the dates as well. This has been an ongoing process that has caused me to force myself to talk to multiple representatives that not only has it made me feel like a victim and uncomfortable about this manipulation of my identity. Sincerely Regards, XXXX XXXX
Product: Student loan

I consolidated my subsidized and unsubsidized loans in XXXX and XXXX. I believe I was under XXXX at that time. My consolidation went through and I was placed on an XXXX because I was working in XXXX XXXX 

This year, I reached XXXX out of XXXX payments on my unsubsidized and subsidized loans. I contacted Mohela because my loans all have different counts. Mohela stated that all of them were different loans so the counts wouldn't be updated. I was a little confused because I consolidated. 

Last week, I contacted Student Aid.gov because it didn't feel right. Student Aid.gov said they see my processed consolidation loan applications and that XXXX didn't mark some of loans as paid in full through consolidation. They instructed me to contact Mohela and have them update the database. Mohela stated that they just administer the loans, they don't make corrections.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX