23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made my XXXX, XXXX XXXX payment to XXXX. they sold my loan to AMerhome and then my paymeny was reverse. so i had to make another payment for XXXX after making numrious calls to XXXX and XXXX. the ladytold to make a payment so that i would incurrr any late fees etc
Product: Credit card

I received XXXX cards in the mail today, unsolicited, from Navy Federal Credit Union. These included a Visa credit card under my name, a Visa debit card under my name, and a Visa credit card under the name of a total stranger. I did not request these cards. I called Navy Federal and canceled the cards, but they could not tell me how or why I was sent these cards. I believe that sending unsolicited cards is not legal and seek your advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Captial One bank USA N account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX  XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered an XXXX XXXX XXXX by Comenity bank in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Product: Checking or savings account

I purchased games from a gaming company XXXX  XX/XX/XXXX and realized I was being charged duplicated charges so I told merchant about it and they responded that there were technical issues with new software and were investigating problem and would refund me. They never did and problem kept happening so I closed my account and disputed charges with my bank chase. They put my claim as a subscription and denied me after a month of being charged over {$7000.00} and then not only telling me but guaranteed my money by the XXXX of XXXX so I was very patient and still have received nothing but poor customer service and told something different every single day.
Product: Credit card or prepaid card

I signed up for a Discover card specifically for their balance transfer promotion ( it was in fact part of the application and the credit amount extended was the same amount as the balance transfer amount ). 

My application was approved and the account was opened on XX/XX/XXXX. However, Discover failed to process this promotion due to an identity verification that took over three months to complete. I did my part at every step and called Discover every couple of weeks to find out why they hadn't done their part. Each time I was assured that it would be processed as soon as possible so I could complete my balance transfer. 

They finally processed the card yesterday ( XX/XX/XXXX ), but are no unwilling to honor the promotion for which they specifically signed me up for. Now, due to how this card was marketed, I am stuck with a Discover card that doesn't do what it was promised to do in exchange for me opening a new account. I am also now unable to cancel the card without the penalty it would cause with my credit score.

I called Discover and spoke with two supervisors who tried to override the block because they agreed this wasn't right. Unfortunately, their " system wouldn't allow '' them to honor this promotion because it had expired. 

This amounts to fraud on Dicover 's part. I registered for their credit card based on a promise they made and it was unfulfilled. 

Attached are emails showing the date the card was approved, my second request to do the balance transfer ( first was with the application itself ), and the third email shows the date they finally activated the card ( three months after opening the account! ).
Product: Debt collection

XXXX XXXX is attempting to collect debt on a policy that was canceled within XXXX hour and refunded back to me. Therefore, this collection Agencey and XXXX is in violation of falsely reporting a balance due when in fact the policy was canceled same day.
Product: Debt collection

I have tried to dispute my accounts with Experian but have not been successful due to not being allowed to submit disputes online Or phone
Product: Credit card or prepaid card

This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX  XXXX XXXX Owed : {$3000.00}
Product: Money transfer, virtual currency, or money service

I have a permanent resident card with the US, and an XXXX extension letter that is valid identification in the US and for international travel. Coinbase has violated discrimination laws and refused to validate my identification and is threatening to withhold access to my account. 

I have already contacted the company several times in attempt to resolve the situation.
Product: Prepaid card

* Date : XXXX * {$76.00} * Place : XXXX XXXX XXXX XXXX I asked for the reason why the use of the Visa gift card was rejected at the offline store ( XXXX XXXX ). 
I also asked why and how to solve XXXX XXXX XXXX XXXX process on the back of the card does not work. 
I kept trying to check the gift card registration and balance on the website they told me, but I kept trying to check the gift card registration and balance on the website they told me, only the phrase [ Your request can not be completed at this time ]. 

And then, I tried to make several calls to XXXX XXXX XXXX to solve this problem, but I couldn't even connect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with Equifax and XXXX   have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.
Product: Debt collection

Bay Area Credit Service is trying to collect a debt that was paid off almost 3 years ago in XX/XX/2018. My Insurance paid off part of the amount and I paid off the remaining balance to Bay Area Credit. 

They are still trying to collect on a full amount as if my health insurance did not pay anything. I have the receipt from back in XX/XX/2018 when I paid what I owed. As per the EOB ( attached ) the total I was responsible for was the Total ( {$530.00} ) - Provider Discount ( {$190.00} ) = {$340.00} The receipt from them, Bay Area Credit, clearly states I paid it. Yet they have still not taken it off my XXXX  credit report and are also trying to collect the full amount of {$530.00} and not the correct amount after my insurance provider had already paid {$190.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigating of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting, unreliable responses, and failing to adequately notify consumers of dispute outcomes These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, There has been some activity on my account that was never authorized by me that needs to be removed as it is fraud and never signed off by me. The following inquiries I have no knowledge of and explained to these companies and they should be removed from all credit reporting agencies. The following inquires are XXXX XXXX XXXX from XX/XX/2021 this 100 % i never went to there store and signed anything or applied anywhere.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 XXXXXX/XX/XXXX
Product: Credit card

THIS IS NOT A DUPLICATE DISPUTE. 
XXXXXXXX XXXX  IS WILLFULLY DISREGARDING MY SIMPLE REQUEST. 
( The merchant transactions with dates location and times of all alleged purchases made with account before closing ) Ive attached other complaints that Ive attached to review. Everytime the company provided information that was not requested when it comes to vague claims of balance and post closure fee accumulation. Never giving detailed information of how and where was the card used with business name and amount charged to card.
Product: Prepaid card

I contacted customer service for the XXXX XXXX XXXX program yesterday to open a dispute regarding two transfers that were not made by me one of the amount of {$50.00} another and the amount of {$25.00}. I was issued a new card and told to call back when the funds settle. The funds have settled and for hours I have been trying to contact a customer service representative at the numbers provided by them and now I can't even get through their automated phone system they hang up on me. I've tried to email them and I've gotten no response and I have searched other methods and ways to contact an agent and have been completely unsuccessful it's been 5 hours now I've been trying to do this. There's no way to open a dispute through their website or their app and according to their brochures it has to be reported within 24 hours which of course I already did but was told to call back and now conveniently for them I can't even get through to a person
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report. I have identified several negative items that are incorrect and require immediate attention and correction under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

In viewing my XXXX, XXXX and XXXX reports there is a company called XXXX Account XXXX XXXX attempting to collect on a debt for XXXX XXXX communications attached to an address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX that Ive never lived at. This is not my debt. I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have lived there for the past 10 years or more
Product: Bank account or service

I opened an business account with US Bank. It is a debit card, so I thought I would not be allowed to overdraw money. But it does allow overdraft, and then charge {$36.00} for each purchase over {$15.00}. So within a week, I was charged XXXX {$36.00} penalty fees and an extra {$25.00} extended overdraft fee, altogether {$160.00}, on XXXX purchases totaling {$160.00}. They waived XXXX penalty fees of {$51.00}, but still, is n't this robbery?
Product: Debt collection

Southwest Credit Systems L.P claimed I have an open account with them. They state the original creditor is XXXX. I dont even have a XXXX account. Id like this resolution to be solved immediately to ensure my credit score remains growing to the higher levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over XXXXThe fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXX  my wallet stolen I think from some XXXX  as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Paypal sent me a mastercard. I never asked for a credit card from them. Obviously, this situation could easily lead to fraud since i had no idea the card was coming or that it even existed. 

I called the number in the paperwork that the card came with and card the number on the back of the card to figure why they could be sending a credit card that i didn't ask for. All the numbers led to a recording saying there was no customer support due to Covid-19.

Apparently, this is a paypal practice, search on " received paypal mastercard that i didn't order '' and find many examples, including : https : XXXX How can PayPal being doing something so risky with something so important as someone's credit. Isn't this illegal?
Product: Debt collection

In XXXX XXXX, I received a letter dated XXXX XXXX from Carter Young , Inc. attempting to collect an alleged debt of {$130.00}, that I was n't aware of. 

On XXXX XXXX, XXXX, I properly disputed the charge via mail, email and phone call. You can find attached a copy of the correspondence. 

On XXXX XXXX, XXXX, Carter Young sent an e-mail in order to prove the legitimacy of the debt. However, Carter Young failed to provide any physical proof showing that I ever owed the alleged amount to their client. In fact, the provided proof was a letter from their client mentioning that I once agreed to paying {$130.00} as an application fee. In addition, their client mentioned that I agreed to certain terms but failed to provide proof of my agreement. Also, as part of the proof, Carter Young sent a copy of my driver 's license picture, which was taken as part of a promotion during my visit of their client 's premises. As you can see attached, this does not appear to be neither an agreement between me and Carter Young 's client nor does it appear to be a contract to pay. 

On XXXX XXXX, XXXX, I sent another email to Carter Young asking for a copy of my written agreement  and/or signed consent to the alleged terms. 

On XXXX XXXX, I received a call from a Carter Young 's employee ( XXXX ) letting me know that their client could not provide physical proof to the agreement. In addition, she mentioned that the debt was up for reporting. I informed her that I would need all communication in writing and she sent me an email stating that their client could n't prove the debt but still needed payment for this debt. 

Carter Young is trying to collect a debt that It can not prove and is threatening to report this disputed and unproved debt. Carter Young is solely trying to collect a debt just because their client said there is a debt although they can not prove that I ever agreed to paying any amount of money to their client or ever entered into a contract with their client. Therefore, I am asking to have this collection dropped since the debt can not be proven.
Product: Payday loan, title loan, or personal loan

Im being inundated with loan offers that dont exist for people of color. Two emails a day. I thought I brought this to your attention before.
Product: Student loan

Younomics ( University Accounting Services ), a private loan servicing company, has reported my student loan in default for over 12 months. I am XXXX and have requested a deferment from the company. The company will not state the reason why it will not defer my loan. I did not originally receive the loan from Younomics and I suppose the loan was sold them for servicing. The default is hurting my credit and ruining my chances to purchase a car, home and other essentials. The company has harassed me on several occasions with threatening phone calls and letters. I have disputed the matter with my credit report, stating I 'm in-school and should be shown as " payment deferred '' however, the company has refused to indicate why I can not receive a deferment or other deferred payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information you are reporting is not mine. Please thoroughly look at the attached documents as I don't want this to happen to me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXXXXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} 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

Called collection agency to remove false information from my credit report XX/XX/XXXX XX/XX/XXXX XXXX Proof of payment never in collections