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

I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXX XXXX XXXX. Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.
Product: Checking or savings account

Opened a CD with Synchrony Bank online. 
They will not allow the CD to expire and be paid at maturity without CALLING IN ON THE PHONE. 
They permit changing the term anywhere from 3 months to 5 years at renewal, but no option to just pay out the funds or transfer to the Synchrony savings account.
Product: Checking or savings account

I was charged {$18000.00} over the course of 72 hours on my debit card, which was stolen along with my phone between May 24-28, 2019. Bank of America contacted me on XXXX, XX/XX/XXXX, saying they had tried to contact me based on suspicious activity. I have submitted fraudulent charges three separate times, each time being rejected by them based on their " criteria '' for unauthorized charges and not believing my version of events. In the three months leading up to the stolen card, I had not used my debit card outside of withdrawals near my apartment in New York, and only allowed recurrent auto-payments from third parties each month ( cable, utilities, student loans, etc. ). It is inconceivable that the bank even allowed that amount of withdrawals/charges within 72 hours, and even more unfathomable that they would not refund the money stolen.
Product: Credit card or prepaid card

I disputed transection with XXXX for XXXX Dollar on month of XX/XX/2019. XXXX promised refund but since it took very long time and every time I was contacting XXXX it was just promise of refund but was not refunding so I made a complaint to Atorney General of Alabama state and iput a claim through Bank of America. BOA refunded XXXX dollar after dispute XXXX and when got fund from XXXX on XX/XX/XXXX after 2 months from my request for refund which was a very long wait. I received a letter from XXXX attorney office and XXXX had apologized for a long wait and had said that money is refunded through dispute by BOA and had issued a XXXX dollar gift card. Bank sent me a letter that matter is resolved thenafter. Yesterday I got another msg from BOA asking for more information about claim which I sent response of XXXX to them. I was told today by BOA THAT I HAVE TO PAY XXXX DOLLAR AND THIS AMOUNT ADDED TO MY CREDIT WHICH MADE ME VERY UPSET. XXXX XXXX SAYS MONEY IS REFUNDED AND BANK ONCE TOLD ME MATTER RESOLVED THEN WHY TO HARASS ME AGAIN. I AM HARASSED MORE THAN 3 MONTHS FOR THIS REQUEST FOR REFUND. This is FRAUD BY BANK AND HARRASING ME AND MUST GET INVESTGATED AND STOP. BANK CAN NOT TAKE XXXX DOLLAR FROM ME WHEN MERCHANT HAS ALREADY REFUNDED THE MONEY. below is explanation of incident with XXXX : I ORDERED A CELLPHONE WITH SERVICE PLAN ONLINE FROM XXXX BUT ON THE DAY that I HAD TO PICK UP the cell phone from XXXX STORE, CHANGED MY MIND AND I PURCHASED OTHER 2 CELL PHONE WITH SERVICE PLAN ON STORE ON EXCHANGE With the cellphone i ordered online. I DID NOT EVEN SEE THE CELL PHONE I ORDERED ON LINE. THE MONEY THAT I HAD PAID ONLINE FOR XXXX XXXX WAS USED TOWARDS PAYMENT OF 2 NEW PHONES AND I ADDED XXXX DOLLAR ALL FROM MY CREDIT CARD. XXXX USED ONLINE MONEY I SPENT TOWARDS MY NEW PURCHASE BUT HAD NOT REFUND THE MONEY THAT ONLINE I PAID FOR SERVICE PLAN. SO I CONTACTED THEIR CUSTOMER SERVICE ON XXXX OC XXXX AND ALL 3 CELL PHONE SERVICE PLAN WAS CANCELLED AND I WAS TOLD THE PRICE OF 3 SERVICE CONTRACT IS XXXX DOLLAR AND IT WILL BE CREDITTED IN MY CREDIT CARD WHICH NEVER HAPPENED SO I FORWARDED COMPLAINT TO ATTORNEY GENERAL AND BOA.
Product: Credit reporting or other personal consumer reports

I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX I have been previously notified by XXXX XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX XXXX, TransUnion & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX XXXX on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX violated my privacy rights as a federally protected consumer. see attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has illegally pulled a Hard pull inquiry on my credit report with Experian, I never authorized them to pull my credit. It has dropped my credit score damaging my credit. I am requesting help from the CFPB in this matter for XXXX to respond. 

XX/XX/XXXX XX/XX/XXXX Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Exeter the financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Exeter the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Exeter whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Exeter Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''.
Product: Debt or credit management

National Debt Relief - After enrolling in XX/XX/2023, I was then forwarded to XXXX XXXX to handle all debt relief. I was promised that all accounts would be closed and to stop making payments to the creditors. I had about XXXX accounts between my XXXX and I to have it closed, consolidated into XXXX payment and we pay XXXX XXXX bi-weekly that goes into a dedicated savings account to pay the creditors off for the closed accounts. After about XXXX payments, I was being threatened by creditors ; accounts were not closed- I enrolled for " debt settlement, '' but in the beginning, I was told it was consolidation. I since then cancelled the services ( XX/XX/2023 ) and consulted with a local non-profit company who then told me that these enrollments promise XXXX thing but deliver something else and it hurts our credit even more than before enrolling. They also include their own fees into our bi-weekly payments.
Product: Mortgage

I XXXX XXXX am a resident of the state of Oklahoma. Over the past two years, I went through a divorce where my financial affairs were thrown into conflict. Upon the completion of this divorce, and after assets were split, whereas I had no choice but to dissolve a retirement plan, I was damaged from serious Internal Revenue Service fees and penalties. My mortgage was behind, and eventually my affairs got better. In XX/XX/XXXX of this year I retained a law center that specialized in financial workouts where a bankruptcy petition would become necessary. A modification package was requested as it was stated in a letter from the Firm, ( See Attached ) that I desired to start making payments on my mortgage and to modify the current mortgage, hopefully at a reduced interest rate. 
This past Sunday, XX/XX/XXXX I was served with a foreclosure action. I was stunned as the original request for a modification package was ignored. There was an email on the legal letter showing an email where the modification package could be emailed, XXXXXXXXXXXX. 
Since Oklahoma is a judicial state, I believe that I have no option but to defend against this foreclosure. When the letter of XX/XX/XXXX was mailed and received, there were protections under the revised Fair Debt Collection Practices Act of XX/XX/XXXX. At the time the notice was given of my changed financial situation, my rights on a cease and desist on any foreclosure action was a reality. 
I recently received a call from a representative of Loan Depot requesting a payment on my mortgage, where this representative stated that once I made this payment, my modification would be approved without any input from my attorney. I stated that all calls then should be given to the Firm instead. 
I respectfully request the Consumer Financial Protection Bureau to review this complaint and forward to Loan Depot, since this egregious foreclosure action will only add to unnecessary stress as well as additional legal bills. I request that my modification package be sent to the email address immediately. 
The foreclosure action should be retracted immediately, and I desire a timeline to submit all my financial documents to procure a modification on my mortgage within federal FDCPA guidelines.
Product: Debt collection

Credence Resource Management LLC is attempting to collect {$140.00} on debt not owed, allegedly on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX phone bill was paid in advance and subsequently terminated prior to completion of the service. The amount of {$140.00} represents the refund due for services not rendered on the advance payment. 
Credence has made multiple derogatory claims with the three credit rating bureaus, which have been removed. However, Credence files these claims again each time they are removed.
Product: Credit reporting or other personal consumer reports

EXPERIAN Original creditor XXXX XXXX XXXX : I received an alert from Experian regarding this collection earlier this year. This is not my account. I tried resolving and disputing with Experian but they failed to investigate as well as I tried multiple times to contact XXXX XXXX and they never answer or return my call nor have they even sent me any type of notice or proof that this debt exists. I believe that XXXX XXXX XXXX is trying to collect on an account that is not mine and Experian is not doing anything about
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2800.00}.
Product: Mortgage

In XX/XX/XXXX, I received notice that my PMI is eligible to be removed and to give Bank of America a call. I called that day, and they walked me through the process. They wanted me to mail them a check for {$150.00} for the appraisal which needed to be done for the value of the home. I asked if they could draft my checking account. it is instant and I was giving them permission. They said they can not do that, ok fine. I received the letter and pre-paid envelope. I filled out the form and wrote the check and mailed it back. this was the week before XXXX. I called back start to XXXX. I spoke with a rep, and they informed me that the check was not received I confirmed check was never a cashed. they somehow lost it. My case was escalated and to call back next week they would have an update then. I called again and was told no updates they are still looking for it. I requested again to just draft the money out of my account and to get this going. they said they can't. I asked them to mail me the forms again and I would fill out another check. End of XXXX and I have not received the new envelope. I called Bank of America on XX/XX/XXXX and requested to speak with a manager, they said they will have them reach out to me. Have not heard from them once. I find it unbelievable that its XXXX and they want me to send them a check in the mail, they lose it and now I'm still waiting for them to mail me. Bank of America is so big that it isn't worth my business. I am just a number, and they could care less. Been with BOA for almost 20 years! PMI is {$90.00} a month and I could use this money for my bills, but they don't answer back, the reps on the phones can't do anything to help and I don't have any other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, EXPERIAN, and XXXX have ignored my notices. As of today, XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Report Number : XXXX Date Ready : XX/XX/2023 Source : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have XXXX XXXX these accounts. 
WHERE ARE MY XXXX RELATED TO THESE CHARGE OFFS?
Product: Credit card

I have an issue with Discover ; over the past three years, I have been experiencing severe medical problems. I was late on payments, and they suspended my account. I was advised in XX/XX/2022 that if I make continuous payments, they may restore my charging abilities. Discover did inform me that this is not a guarantee. So, I have called a few times regarding this and received the same scripted response. Recently, I called willing to pay off the total balance owed and still received the same response. I was also advised there is a closure date on my account and charge off date for not making payments timely. I take responsibility for that. The issue I am having is that Discover cant provide me a date when I can have my charging privileges restored, but they want me to keep making payments. I have spoken to people who work directly for Discover, and I have seen the physical policy and feel its a deceptive policy. Discover is giving the hopes of their customers to get their prices restored but never intended to restore privileges. They are giving false hopes and expect people to pay these balances, and then their misleading policy says we will review other accounts to see if we can have our card back on. I feel this is a bait and switch ; we will never turn your card back on regardless of whether the payments are made on time again, and the balances are low. Based on my training, this seems to me like a deceptive act to get money but never provide the services that are promised. We may restore services, and if they have no intentions of restoring services, they should disclose this to customers. Again, I have physically seen an account with Discover locked for over two years because of their credit report.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card under my information this is not my account needs to be deleted
Product: Debt collection

Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.
Product: Credit card

In recent months, each month, I've been billed for a payment amount which is sharply increased more and more. I'm a senior on a Social Security income of only XXXX XXXXXXXX. Back when I was billed for the company 's standard minimum payment, I was making the payment on time, as billed. But lately, I've sent what I can afford by the due date, at least {$40.00} ; since I don't have enough income to handle the payment I'm billed for. My current payment bill for this account is {$280.00} ( on the XXXX XXXX XXXX my other account, XXXX XXXX has a {$0.00} balance ).