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

I received a voicemail that I needed to call about a problem with my American Express card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because XXXX had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell American Express that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. American Express said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called XXXX. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call American Express but I could have American Express call them. Well, American Express can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to American Express at a cost of {$32.00}, but American Express says they never received it although I have a successful transmission report. I can't submit a dispute with American Express because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at American Express that cares. To be fair, maybe the error was with XXXX  but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my American Express record. Is there any way that you could help?
Product: Debt collection

I did a short sale on my house. I was due to pay {$15000.00} over 8 years ( beginning in XXXX of XXXX ) the additional debt owed on my mortgage {$35000.00} would be charged off and I would need to submit a 1099-c to IRS for the remaining balance of {$20000.00}. I have a document stating this that is signed as part of my short sale process. XXXX XXXX is claiming that they are collecting the entire balance of {$35000.00}. Also, I have asked repeatedly for a document that shows my payments and the remaining balance on the debt. They have have given me a doc once of the payments that I have made, that doc was given to me XX/XX/XXXX, they have refused to give me the remaining balance.
Product: Student loan

I attempted to call my student loan servicer in order to get info about the SAVE repayment plan and their part of the application as I have just been laid off from my job and would like to work with them on sorting out my payments. I was put on hold for over 1.5 hours and my call was never answered.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Transunion, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my report, I noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since I did not authorize these inquiries, I am requesting their immediate removal from my credit file. 

Please investigate this matter and provide me with documentation verifying that these inquiries were authorized. If you can not provide such proof, I ask that you delete them from my credit report as soon as possible. 

I have attached a copy of my credit report with the disputed inquiries along with a copy of my identification for verification purposes. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by the FCRA. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I was affected by the pandemic like all Americans. I fell behind on my mortgage payments due to an illness wherein I had to take care of my wife and the increased expenses from the medicine and health aids that were necessary. I then fell behind on my mortgage. I had a modification in XXXX and phone calls placed to the servicer on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting the prior modification. While the documents were promised on all three phone calls, the documents have not been received as of the date of this complaint. On the XX/XX/XXXX phone discussion a forbearance plan was inquired about however I was told it was no longer available. I have been receiving collection calls the entire time by my servicer. On XX/XX/XXXX I contacted my servicer and explained that my church had helped us with {$700.00}. The servicer told me to send it in and I did XX/XX/XXXX. They accepted the payment. They then called with a repayment plan ( a 6 month term ) on XX/XX/XXXX. This was not affordable to me as we are both retired and live on a fixed income. I then speak to the servicer today ( XXXX ID XXXX ) XX/XX/XXXX and was told that I could pay {$1200.00} and stall the foreclosure. I then contacted everyone I could think of to raise the money. I also knew my next check does not come until XX/XX/XXXX so I called back to try to work something out. I was told by XXXX ID XXXX that the earlier information was not correct, that I had to reinstate in full. I asked if I could have the repayment offer again only over 12 months so I could afford it. No, I was told that because the loan had been referred to an attorney ( I have not been served ) that there is no way to get back on track without a reinstatement. I explained that it is not affordable and since the foreclosure had not been filed, can we please work something out before I get legal fees on top of what I am behind. XXXX advised that there was nothing that could be done and they would move forward with the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to new house due to work commitments since I arrived at this address my mail had started to get stolen from my post box. There is a treveling community less than 300 yards from me they have been using my address for credit I paid Equifax to monitor my account as my score has been severely compromised I have no defaults by myself as I pay all my credit on time but there are other people using my file to see if they can get credit which I find very worrying I have contacted my local police to no satisfaction I have also contacted my local councillor but still no joy ther seems to be no help for me so your are my last resort to help me rectify this massive problem this is now causing me stress and anxiety thank you in advance
Product: Vehicle loan or lease

on or about XX/XX/XXXX I did an auto purchase as a cosigner which i was told by XXXX toyota this XXXX XXXX XXXX was pre owned and certified. They gave me a XXXX XXXX  assuring the vehicle was in great shape but here i am XXXX later the truck has been in the serivce shop for over a month now and they have stated the motor needs to be changed out and that its currently out of stock. my boyfriend lost his job since he has no transportation and dealership does not care or even try to help. All we are asking for is to get our money back from these past months and downpayment so we can get a different truck and so he can look for a job and be able to have transportation. We are having XXXX  and lots of stress because they promised us at the time of sale that they dont have pre owned vehicles out on their lot if they are certified by the state or their mechanics, they promised us any help and now they we are looking for the help they are only misleading us and not wanting to take any responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX XX/XX/XXXX BB & T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.
Product: Debt collection

Portfolio Recovery representing XXXX XXXX NV l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1800.00} XXXX XXXX   NV
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at XXXX XXXX says that I was not removed by XXXX XXXX, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted Experian, and to my shock on the Experian report as having a XXXX XXXX card, XXXX with a credit limit of {$30000.00}. Actually, I have NO XXXX  XXXX card. 
I sent an e-mail to XXXX XXXX XXXX AND to the XXXX  XXXX credit Dept, but no response.
Product: Credit card or prepaid card

I activated the credit card cash back offer on the early of XX/XX/2022 which shows the offer expiration date as XX/XX/2022. After that, I finished two transactions as required under the terms on XX/XX/XXXX and XX/XX/XXXX with my credit card. I'm qualified for this offer but the {$75.00} cash back never gets to my account. I started to inquire it around XXXX XXXXXXXX XXXX. During their long process time, they agreed I'm qualified for the offer and should get the {$75.00} back to my account soon. But for now they still keep telling me that they are researching the issue and have no estimated date of resolution.
Product: Credit card

On XXXX, someone opened an account under my name at BestBuy and purchased ~ {$1300.00} of goods On XXXX, someone opened an account or used my old account under my name at XXXX and purchased ~ {$7500.00} of goods
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was contacted twice on XX/XX/XXXX by a company calling themselves " XXXX '' and they represented " XXXX XXXX. '' I was told that I owed them a debt from 2008 and that they were hired to attempt to collect the debt prior to trial. I have never dealt with " XXXX XXXX. '' They also provided a social security number that was not mine but did not believe me when I told them that was not mine. I did not provide any information and told them that I do not believe them, I think this is a scam and I am reporting them immediately.
Product: Credit reporting or other personal consumer reports

Inquiries made on my credit report I have no knowledge of requesting credit for. 
XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX I was applying for a loan through XXXX XXXX when I got done I got a e-mail stating someone will be in contact with you soon so when the people called me pretending to be a loan company I dot really think anything of it. But they got me to send verification money to them from my account. I still had two of my XXXX check go I to the account that key bank room from me also
Product: Credit reporting or other personal consumer reports

These items was supposed to been deleted before the 30 days and before investigation was COMPLETED and the three credit bureaus Transunion, XXXX and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}
Product: Checking or savings account

Apple bank closed my account out of retaliation for me filing complaints on them. On XX/XX/2024 XXXX XXXX called me and told me that the back office instructed her to close my checking and savings account and issue me a cashier 's check. I stepped inside the XXXX branch to receive my cashier 's check and spoke with XXXX XXXX, I asked her why was my accounts being closed after my checks were verified and she told me they dont need a reason they just opt not to continue a relationship with me. I have audio recording of XXXX XXXX saying verbatim that Apple Bank opted to close my accounts. XXXX XXXX XXXX XXXX has provided me proof that the cashier 's check was verified and paid since XX/XX/2024 and Apple Bank still held my funds for XXXX weeks and restricted my account further denying me funds on XX/XX/2024 claiming my account was up for " further review ''. This is blantant negligence, discrimination, and retaliation against me for filing complaints against your bank for unnecessarily withholding my funds and restricting my account without just cause. Your prior response where you lied and claimed I demanded to close the account makes you look worse. I intend to seek legal action.
Product: Mortgage

I have had numerous issues with Select Portfolio Servicing for years. They constantly take my overages that I send in with my payment and apply it elsewhere except the " Unapplied funds account '' which is where I want it to go. 2x a year I have to call them constantly and correct them. Sometimes they do it and most time they put it to other charges and fees WITH ABSOLUTELY NO DISCLOSURE TO ME AT ALL. I call them, they say they will take care of it by a said date. The date comes, and nothing is done. I ask for a supervisor and NO SUPERVISIOR IS AVAILABLE AT ALL EVER. They always want to call me back within 48 hrs. Sometimes they do and sometimes they do not, when they do not I have to start the process all over again with another supposed 48 hours. I recently talked to a XXXX ( supervisor ) on XXXX/XXXX/XXXX and she assured me it would be taken care of and she would call me back to confirm. Now it is XXXX/XXXX/XXXX and still nothing, I have received a few mtg statements since and nothing has been adjusted. This is my funds to be distributed and they distribute how they want with ABSOLUTELY NO DISCLOSURE OF FUNDS AT ALL!!! This is a clear violation of consumer mortgage laws. When I do talk to them, some say " We have a hiearchy to which we put your funds ... ..? " and some say they attend to my requests and they hang up the phone and never pursue my requests to where I have to constantly call them again and again. I have had other issues with this company a few years back asking them to confirm my previous mortgage servicing sales because I was concerned that the 2 prior servicers where sued for fraudulent mortgage practices by the US Government. Same thing back then .... no response and no answers .... and I send them registered letters back then. ... ... It is ridiculous. When it is the XXXX or XXXX of the month they are calling me for my payment .... which I am completely current on with no late payments, but when I call them with concerns ... it goes directly to the trash. Sometimes they call me back and sometimes they do not and I have to start the whole process over again and again. They also keep me in this collection status because I modified with a previous servicer. They constanty treat me like I am 150 days down in my mortgage when I am completely current every ... ... single ... .. month. I am not in collection status but they constantly refer to me as a " problem '' which is very discriminatory. Just because I am XXXX does not mean that they should treat me differently. 

Please help with this ridiculous racist, no disclosure company. 

Sincerely XXXX XXXX
Product: Credit card

The card that I held was a Caesars Rewards VISA Card by Comenity Bank. 

In XXXX of 2023, there was a hotel charge that appeared twice on my bill. I attempted to dispute that charge through my credit card company, which they were happy to take on with me. They said it would probably take a few months, which was fine. 

This is not a card that I use that often, so it has never carried a balance. 

After the first month of it being investigated, I noticed that there were interest charges that appeared on my bill. I had autopay enabled on my account, so it should have automatically deducted any amount that was due. 

When I called to inquire about it, the rep that I spoke to ( XXXX ) let me know that any interest that accrued while the investigation was ongoing would be 100 % removed at the end, and that I was not responsible for it. 

By the time the investigation ended, after several calls and emails with the bank, they informed me that the interest charges were valid, even though their rep had told me something entirely differently, and they could have taken my payments at any point under our initial agreement. 

Now, the total interest is not much ( $ XXXX $ XXXX $ XXXX {$3.00} ) {$9.00} - because the one charge that was pending while all of this was going on was not much, and it has been paid and my account with them has been canceled.
Product: Debt collection

in order to refinance our VA loan with  XXXX   XXXX   XXXX   XXXX , we took the equity in our house and   XXXX   directly paid off our outstanding balance to Discover Bank. They have taken the money back in  XXXX ,  XXXX  or  XXXX  and still report the debt as outstanding and have consistently failed to clear the account with the  XXXX   XXXX   XXXX   XXXX . I have contacted the court and they can take no action until Discover Bank officially reports the debt paid in full. I feel that Discover Bank is purposely delaying legal reporting in retribution to actions I have taken against them and feel that they need to be held accountable for their inaction.