23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ive been a loyal American Express card owner for over 6 years now with over XXXX cards with them. Throughout the entirety of XX/XX/year>, my reward points with them has been continuously used by someone other than me on a card I cant see. My original card was seemingly compromised but that was quickly replaced on XX/XX/XXXX or XXXX when I realized someone had redeemed almost all of my points ( XXXX ) on physical gift cards. When I called AMEX, they were able to stop it and reverse it and had my account secured again by changing passwords and replacing with a new card. I thought my problems were over but then day after day, I would see my points get reduced on redemptions I didnt make. I called AMEX and they said they were putting these charges into a fraud case and so I waited. Pretty soon most of my points were once again gone and so I called AMEX to which they AGAIN returned my points and had me replace my card, account security, etc. I was really really hoping this would be the end of the problem but of course it wasnt. This time my points were used as a statement credit. At this time, my credit card statement hadnt even closed yet so I had no idea where the statement credit is being applied to. Once again, I called AMEX and they confirmed to me everything that was used was being used on my original card. I, as the cardholder, can not even see this original card and whats being done on it as I can only see my replaced card. For a THIRD time, AMEX replaced my card and had me change emails, change security questions, EVERYTHING was changed. Two hours later, all of the points I had worked so hard for over the years was yet again redeemed as statement credits, on the card I cant even see. At this point I am beyond infuriated and thinking this is more than just my account and that someone has access to a backend where they can see my original card and use rewards towards it. AMEX has failed to protect me as a customer and seemingly has a flaw somewhere in their system. My trust is broken after all this.
Product: Debt collection

I have paid the debt collection from the debt collection company Grant & Weber and they agreed to remove from our credit report on XXXX. However been it's been many weeks and they have not resolved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 Discover Bank sent me a 1099-C, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a Discover Card in my name. SInce XXXX effectively canceled the debt by issuing the 1099-c, they can not report a balance or past due amount on my credit report. I disputed this through XXXX, which Discover verified the balance and past due amount, there by violating the FCRA as since the issuance of a 1099-c cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. DIscover is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.
Product: Credit reporting or other personal consumer reports

Im so confused and frustrated right now because inaccurate accounts are showing on my credit report today, and I have no clue how they ended up there. I checked my report like I always do, but this time somethings off. I even tried refreshing my browser, thinking it was just a glitch, but it didnt work. Can someone please look through the documents Ive sent? I just need to know that I wont have to worry about this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling AR Resources for weeks to pay a debt. On hold for hours at a time, unable to leave a voice-mail. Unable to pay online, as I can not get the acct # to pay. Sent in dispute with this info, no changes or assistance. I want this off my credit. Repeated attempts with no success
Product: Debt collection

I found out about a judgment filed against me on this old credit card debt from 2011 that was purchased by XXXX XXXX XXXX. I called XXXX and they told me to call XXXX and XXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said XXXX authorized {$12000.00}. Still insane. I called XXXX and she kept saying they could not help me. I said the lawfirm said XXXX set the settlement amount. When I said it was up to XXXX she finally agreed to give me to Legal at XXXX. There was no answer from either XXXX number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to XXXX XXXX and a copy of that to XXXX and XXXX. I want the judgment released and the item cleared on my credit report. 
I assume XXXX bought the bad debt from Citibank for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.
Product: Debt or credit management

Company called Credit Management Company has been calling me for a year saying I owed on a late hospital bill. They sent me only one bill by mail. I paid it. Still I get phone calls to collect more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

My XXXX XXXX  and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.
Product: Mortgage

COVID 19 happened, and just prior to Covid the Mortgage company appears to have switched hands 4-5 times in less than a year going from XXXX XXXX to XXXX  to XXXX XXXX and then to Shell Point. Its impossible to have confidence when these companies dont know if payment was made and me not knowing who to make the payment too when they say I paid my original servicer and not them. Also to top it odd Hawaii experienced a Hurricane and Flooding both declared presidential declared emergencys. All of which impacted my XXXX. 

XX/XX/XXXX non essential businesses were forbid to conduct business in my county. That ban was lifted on XX/XX/XXXX which is tomorrow. Therefore and despite there not being more than 5 cases in my county I have had to close the doora on my company for over a year.

i requested forebarance during the CARES act but that is when the mortagage company switched hands again to Shellpoint. They are impossible to reach and will not assist as they have no data or what they have is not accurate. i asked for forbarance and they continue to destroy my credit and do nothing.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with my account with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. 

I look forward to your immediate attention to this matter and a swift resolution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}.
Product: Credit reporting or other personal consumer reports

I went to open a bank account with XXXX XXXX XXXX XXXX, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Product: Student loan

I took out private student loans with Navient to supplement what my federal loans did not cover for XXXX XXXX University starting in XXXX. XXXX has since been named in the Sweet V Cardona lawsuit as a school to which all federal loans associated are to be discharged due to unlawful practices. I have a attached my approved Borrower Defense notification for XXXX below. I had to take approximately {$12000.00} in private loans from Navient, formerly XXXX XXXX to cover costs. Those loans ballooned to {$35000.00} by XXXX when I finally was able to pay them off after filing bankruptcy twice, and dismissing a XXXX once. Nearly 3 times what I originally borrowed after paying on them for 20 years. Navient put me in deferment several times, accruing interest, then capitalized that interest on top of the balance after deferment. The interest rates on these 'student loans ' were 10 % and 16.5 % at times. I believe that is predatory at best. These education loans are nothing more than bad payday loans that never go away. I had to dismiss a XXXX  XXXX because I could not afford to add my student loan payment into the XXXX payment. Which in turn made it impossible for me to purchase a house, or even a car for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request a full reimbursement of all overdraft fees charged to my account within the past 24 months.
Product: Credit card or prepaid card

Om XX/XX/22 we opened a line of credit with Zales/Comenity Bank and made a purchase for {$670.00} on a ring to be special ordered due to sizing. I never received a card from Zales/Comenity. I made the first payment of {$80.00} on XX/XX/22 ( there was a {$30.00} charge for a late fee ). On XX/XX/22 the ring came in but was not the correct size. At the time, I returned the item and canceled the transaction. I received a receipt from Zales the order was canceled. I am in the process of obtaining a VA Mortgage Loan and the status of this account is currently the only item holding up the process. The mortgage company asked that I lower the balance due to less than {$400.00}. There was a " planned outage '' with Comenity that they have not received the refund credit nor applied it to the account. I made another payment of {$230.00} on XX/XX/22 to bring the balance due down to less than {$400.00}. I have requested through multiple avenues to have the account rectified and a letter or statement advising the updated payment and balance. Comenity is advising there is nothing they can do for me at this time as their systems are not working appropriately. At this point, I am owed {$280.00} from this bank as after the returned item and refund I am continuing to make payments to satisfy the VA request. We are XXXX  days out from closing and need this rectified immediately.
Product: Checking or savings account

hi my name is XXXX XXXX i opened my checking account with wells fargo trough the website on XX/XX/2023 and after a while i deposit a cashier check under my name from another institute ( XXXX ) and i withdraw some money in person from inside of branch and even i paid my office rent on XX/XX/XXXX  ... but suddenly on XX/XX/XXXX  they put hold on my account with all funds that i have without any notice or letter or email to me it was my only checking account and all the credit payments and bills were set up with that account and all of them declined my credit score crashing down i called what's happened they said you have to go bank in person!! they ask about my immigration status i provide my permanent residence card and social security and driving license they said we need additional documents ( XXXX declaration form ) i did initial and signed for them on XX/XX/XXXX   for wellsfargo in XXXX XXXX XXXX  i was ready for removing hold on my account but they did nothing they said it's gon na take time to review and you got ta wait we can't give you your money back or even close your account you just need to wait i literally need my money that's all i have... they don't respond to me as well i believe in the only reason they put hold on my checking account is i opened my checking account online however i properly input my all information such about i'm from XXXX i have permanent residence card and my social security number but they put hold because they said we need more additional documents ( XXXX declaration form ) for XXXX  people my problem is you shouldn't open my bank account through the website when i provided for you i'm from XXXX on the online website forms, you could simply show the massage you are not allow to open checking account through website please go to nearby wells fargo branch in order to opening any bank account... today is XX/XX/ my account is still freeze and they don't respond me as well please have a consideration for me thanks my phone number is XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, This charge was a fraudulent charge. I am a victim of identity theft with an ongoing police investigation. ( If a case number and or the lead detective are needed, I will be willing to share them upon request ). 
Immediately a dispute followed with Discover card. Was denied based on " documentation sustaining the charge to be valid '', documentation todate not revealed to me- the consumer and victim in this case. Reached out the 2nd and 3rd time. The re-denial is based upon the same information ( without gathering new information from the vendor as necessary upon re-opening the dispute ). My understanding is that, the first communication from the initial charge has been used by Discover over again to their leisure to determine the approval or reversal of this fraudulent charge. 
It is very disrespectful to be ignored and my case disrespected by Discover. 

Thank you for your help with this dispute. 
XXXX XXXX
Product: Debt collection

On XX/XX/2018 I contacted IC Systems regarding a utility bill with XXXX XXXX, Account Number XXXX ( with IC Systems on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XXXX. I reviewed my credit report and found that IC Systems no longer has this account in my name but now XXXX XXXX   COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XXXX, SIGNED XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have some unauthorized inquiries on my consumer profile and don't recognize them. I would like for the unauthorized inquiries to be removed immediately.
Product: Money transfer, virtual currency, or money service

After I filed this claim I received a partial history PDF from XXXX. I have been a PAYPAL client since XXXX I have attached the evidence that many payments to me were NEVER " COMPLETED '', and show that they REMAINED " PENDING. '' The CFPB closed my case without any resolution, beside the PAYPAL company providing me with an " INCOMPLETE '' ACCOUNTING '' of ALL TRANSACTIONS. The report that I received only CONFIRMS MY MISSING PAYMENTS. There are more, dating back further on my XXXX XXXX accounting of PAYMENTS SENT TO PAYPAL. These are proof of my " MISSING PAYMENTS. '' SOME of them are documented here. HOW CAN I RECEIVE THOSE FUNDS NOW THAT WE HAVE FOUND THEM? ALSO, WHEN CAN I EXPECT THE REMAINING MISSING PAGES OF MY ACCOUNT HISTORY? 
Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service
Product: Credit reporting

A collection agency XXXX XXXX XXXX got my father 's name, social security number, birthdate, and incorrect address from their client. With the incorrect address they never received the bill. The collection agency then reported it on my credit report. Not my birth date and how did the agency get my social security number? How can Experian not catch the wrong birth date that they put on my report. I am very upset with so many failures between all XXXX company 's.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX XXXX left a voice mail on my cell phone stating that criminal charges had been issued under my name and social security number, along with the request to suspend my driver 's license and any other professional license 's I might have. She also said that I would be served with papers on XXXX/XXXX/XXXX. She left a phone number ( XXXX ) to call her back but never stated what company she was calling from. I returned the call and she denied the fact that she said these things. I asked what company she was calling from and she told me Niagara Restitution Services but would not give me a physical address. I hung up with her and called her on another phone line and played the voice message back to her over the phone. She then got very rude as she had been caught in a lie. I have the voice mail and will save it.
Product: Debt collection

Navy FTU opened XX/XX/2015 showing as charge-off This account is fully paid off and false and misleading representation and no obligation of mines 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Product: Credit reporting or other personal consumer reports

Sent letter saying that I was a victim of a data breach Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts that remain on my credit report, however the credit bureau has failed to provide proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services repeatedly continues to report to credit bureaus that my account is delinquent, at present 6 payments, 30-59 days late. I may have been a few days late on a payment occasionally buy never, never 30 days late. The situation has been corrected by Toyota, my account has been monitored by them to assure this falso reporting will not happen again but repeatedly it does. XX/XX/2020 I received a letter from Toyota stating that corrections were made in their system again and reported to all credit bureaus, by XX/XX/XXXX, the correction showed on my credit reports. XX/XX/XXXX, I was notified by XXXX XXXX thru an email that Toyota was reporting me with 6 months of payments 30-59 days late. I have gone round and round with Toyota and XXXX XXXX, both say it is the others fault. I have filed dispute after dispute and they are settled and corrected only to resurface again. I need help and I am at a loss as to what to do. Help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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