23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a carecredit.com card for pets for many years and had a XXXX balance due but they canceled and closed my card anyways. They told me because of my credit history in general. This is a horrible thing to do during a pandemic and may cost the life of my pet.
Product: Debt collection

Comenity Bank calls repeatedly during the day, 5 times or more, sometimes even back to back. They never leave a message. I acknowledge I am in the wrong and owe a payment, but the frequency of calls is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's seems that, I'm getting unfair credit decisions based on info that's provided by EQUIFAX. I've worked hard to try and rebuild my credit, but it seems that they keep providing lenders with derogatory information.
Product: Credit reporting or other personal consumer reports

I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX  Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX XXXX  Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Credit Card XXXX file a lawsuit against me, because I file various Federal Complaints with XXXX XXXX XXXX XXXX with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX XXXX  Credit Card be filed with XXXX Department of Justice immediately. 
XXXX Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, XXXX XXXX investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 3rd attempt disputing this inaccurate informations off of my credit from the the CRAs ( XXXX EQUIFAX, AND XXXX ). my last letter was on XX/XX/2020 to all 3 and nothing has been deleted and i will consult an attorney to complete the process.i have attached copies of my letters below and thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements
Product: Credit card

I wish to have your assistance in disputing XXXX charges paid on my statement as " Legal Fees ''. I have since discovered that they ( XXXX XXXX XXXX ) are unlicensed and under FBI investigation for their lack of licensing and unethical conduct. I paid them a total of {$7300.00} on XXXX separate charges XX/XX/2015 {$5900.00} and XX/XX/2015 {$1300.00}. Please see that this charge is reversed they are not who they say they are and are soon to be shut down. I paid them and the services that have not been rendered.
Product: Credit reporting

TransUnion has an incorrect name for me. The only name I have ever used or XXXX a XXXX and XXXX XXXX Equifax has a XXXX Florida address and I have never lived in XXXX.
Product: Credit card or prepaid card

I opened a dispute with US Bank Reliacard in XX/XX/XXXX after noticing many unauthorized transactions on my card account. These were transactions for XXXX XXXX as well as other online based transactions. I called and filed a dispute as soon as I noticed. I contacted the places of business and they gave me limited information and I was redirected back to contacting my bank. 
My dispute processed and I was given provisional credit for one unauthorized purchase only. Someone had used my card as well as other information to purchase an insurance policy from progressive. I filed a police report and also filed a report with the FTC after getting multiple alerts from credit agencies regarding my information being compromised. I also filed a police report. 
The dispute had been closed but was then reopened after I sent in the police report. After over 90 days and no provisional credit, my dispute was denied again. I contacted the XXXX XXXX XXXX and tried to get some resolution in my favor. US Bank did not give me any resolution and will not honor my dispute with these unauthorized transactions. I was also never given provisional credit after following the procedures required to be eligible. I received a letter in the mail which stated that they were denying the dispute. There was no explanation as to why this decision was made, even after requesting the information that they used to make this determination. I have wasted a lot of time on this matter and it has been extremely frustrating. I will escalate this to the appropriate parties until I get my money back that was stolen from my account. Thank you. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account numbers XXXX and XXXX, have both 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Don't have any credit cards never got a student loan nor do I have a account have been a victim of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy when I noticed these inaccurate items still in there, I can say that I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I applied for a First Midwest Easy checking account on XX/XX/XXXX. I signed up under an ongoing {$250.00} promotional offer as well at this time. 

The requirements to satisfy in order to receive the {$250.00} promotional bonus amount included the following : - Open checking account with {$100.00} minimum deposit by close of business on XX/XX/XXXX - Make deposits totaling {$2500.00} or more within 60 days of account opening - Make 10 debit card transactions within 60 days of account opening - Enroll in mobile banking and e-statements within 60 days of account opening I successfully met all of the above requirements XX/XX/XXXX, as that is the date where I had {$2500.00} of cumulative deposits completed. I completed the 10 debit card transactions and enrollments prior to XX/XX/XXXX. 

The terms of the promotion further stated that once 'all requirements have been met, {$250.00} bonus will be issued as a credit to the account within 30 calendar days of the transactions being verified, following the 90 day period from opening. ' 90 days from my account opening date was XX/XX/XXXX and 30 days on top of that was XX/XX/XXXX. Both of those dates have passed and I have still not been credited the {$250.00} promotional bonus amount. 

I sent a secure message on XX/XX/XXXX within my online banking account asking for a status update on the {$250.00} being issued to me. I was provided a response by XXXX that she anticipated I would receive this in XX/XX/XXXX. XX/XX/XXXX came and went and no {$250.00} was credited to me so I messaged again on XX/XX/XXXX asking for an update. I was then told by XXXX that 'I was not setup for mobile banking ' and therefore did not qualify for the bonus. This is not correct as I had logged in numerous times into my First Midwest checking account from a mobile phone. Furthermore, I find it deceptive and unfair that this same representative told me to expect the {$250.00} promotional bonus in XX/XX/XXXX, only to tell me a month later after I had to be the one to follow up, that I now do not meet a requirement to earn this promotional bonus. 

First Midwest Bank is now currently saying I am not eligible for this promotion and I find this unacceptable from a customer standpoint. I fulfilled the requirements of the promotion and deserve to receive the {$250.00} bonus amount. This institution should uphold their word and honor the terms of the offer to me. 

To reiterate, as a checking account customer of First Midwest Bank since XX/XX/XXXX, I have fulfilled all of the requirements of the promotional offer that I signed up during, and as of XX/XX/XXXX, I still have not been properly issued my {$250.00} promotional bonus by First Midwest Bank.
Product: Payday loan, title loan, or personal loan

I have attempted to contact Sky Cash USA to stop payment on ACH on my account. 

I sent Letter to their customer service email to advise that they were no longer approved to make the automatic drafts from my account. 

The letter was sent on XX/XX/XXXX. 

There was no response and a draft was made on XX/XX/2022. After that, I went to my financial institution to submit a stop payment for Sky Cash on XX/XX/2022. Sky received the notification, however they altered their company name to circumvent the ACH revocation issued by my bank. Sky has drafter my account on XX/XX/2022 and XX/XX/2022. 

Since my attempt to contact on XX/XX/XXXX, and issuing the ACH stop payment from my financial institution, Sky has drafted XXXX from my account. 

I am unable to reach via phone or email to speak with someone to make any arrangements.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
I have been XXXX XXXX for the last five years, someone stole my Discredits card. Remove every item, from my three-credit report, at this moment, its pretty hectic just now. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

2020 company has reported negative information, thus damaging my credit report. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. According to the Truth In Lending Act ( TILA ) pursuant 15 USC 1602 ( l ) a " credit card '' is defined & the " social security card '' is validated as a " credit card '' I have never provided my social security number or card for any line of credit from this company, and even if I did, I am an administer agent pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).
Product: Debt collection

On XX/XX/XXXX, my brother informed me that he received a very harassing call from a legal group about a lawsuit against me ( please note that I have never given my brother 's information as a reference to anyone ). I called the number - XXXX XXXX XXXX XXXX - and spoke to a gentleman with XXXX XXXX XXXX. He stated that he represents Spot Loan regarding an unpaid payday loan from XXXX. I said that they have never called me and he said that even though they have my phone number, they do not legally have to call me - they can call whoever they want to embarrass me ( his words exactly ). He stated that a letter was mailed to me in XXXX - I have never seen a letter - and that now legal action would be taken and they will contact my place of employment on XX/XX/XXXX to start garnishment of my wages. No other specifics about the loan were given other than it will now cost me more than {$2000.00} to resolve this. He was very rude and ended up yelling at me so I hung up on him.
Product: Credit card

SYNCB/Belk is XXXX my XXXX hard XXXX I reached out to belk at XXXX. An agent stated that theres no information on file under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The institution listed below in this description box, did a hard inquiry on XX/XX/2022 thatd showed up on my credit report, this action/activity was without my consent or knowledge. The Institution Information : CREDCO their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I have also filed A complaint with the XXXX and the institution listed above have yet to respond to it. They are an unknown entity that I have not interacted with, nor were they ever given permissions for what they are responsible for committing.
Product: Money transfer, virtual currency, or money service

I have tried to communicate with PayPal through all means ( cell phone, same platform, mail ) without any result, since for some reason the support always tells me the same thing. They flatly deny everything I say, even though I have the evidence for it. The platform literally limited my account for no reason, with the apparent reason of having created the account being a XXXX, they do not give me any action to appeal the decision they make, the same support, moreover, ridiculously, tells me that this decision is permanent and can't be appealed ( when I have never been able to appeal it ). The account was made by a representative and I have only given my identity when I was going to request the name change. -- -- -- -- -- -- - I already sent a claim through this same page against PayPal, but they themselves tell me that it does not correspond due to the discrepancy between the location from which this claim is being sent, being that days later the PayPal support in XXXX  responds to the mail saying that they reviewed the claim and that I will no longer be able to withdraw my money after a period of 180 days ( being that this was already specified since they limited my account ), The same goes for PayPal support in the XXXX, I don't have the resources to go to the XXXX to dumbly file a complaint, even less when I am not given any option to appeal decisions like this or that in the same dispute options in my country, there is no option available. It is unbelievable to me that I am going to lose my hard-earned money this way, on a platform that only has the job of holding it and not carrying it as if it were nothing. I only used it to transfer my funds with XXXX from XXXX. Timely, this is my only means by which I can affirm PayPal 's poor decisions. -- -- -- -- It is criminal to accuse someone falsely, not provide any evidence that this was the case, and even refuse to confirm the veracity of the facts. Just as PayPal is doing.
Product: Credit reporting or other personal consumer reports

I kept receiving emaila from XXXX XXXX XXXX that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XX/XX/24 I paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received physical therapy at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called AR Resources saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via XXXX and they were basically useless. Here is what XXXX sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.
Product: Credit card

I made an original purchase in XXXX, 2023 of one dishwasher. I used my Lowes credit card to receive the discount. The first statement showed a purchase of 3 dishwashers. I have been back and forth with Synchrony, Lowes management all the while being told my dispute was resolved. I continue to get statements showing I have a balance. I paid off the one dishwasher I initially purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative accounts that was open from fraud and I contact the credit agency Equifax and they are not applying at all to remove these negative accounts off my credit file
Product: Credit card or prepaid card

I have not been able to see my online account activity or see or use rewards since XX/XX/XXXX. I have been calling and and reaching out via social media since XX/XX/XXXX. I have the social media documentation and call log on my cell phone. I have spoke directly with customer care as recent as XX/XX/XXXX. No on can provide any solution as to how I can get back use of my online account to see my activity and use my earned rewards
Product: Student loan

Hi, I'm having an issue with Mohela who service my federal loans. I was originally on REPAYE plan which was switched to SAVE automatically. My account was placed on administrative forbearance for month of XXXX XXXX. Now when looking at my account Mohela changed me from SAVE to Level which is standard repayment plan on 3 of my loans. When they qualify for SAVE. This is over {$1800.00} a month. I called Mohela who could not explain why this happened or why no one communicated this to me. They had me do recertification on phone and my original payment under SAVE was {$660.00} and is now {$700.00} and was told this is my lowest option. I have since learned that they did not have to make me recertify as that is not mandatory until XXXX  XXXX. This is all so suspicious and I feel I am not being treated honestly by any means. This all happened after I signed up for auto pay as well. They now placed my account into forbearance until XX/XX/XXXX but that interest will still accrue and that it does not count towards pslf. This isn't fair at this is not me error or my mistake. I feel disgusted by Mohela by and they need to be held accountable. They are difficult to get in touch with and I can't get any consistent answers regarding my account or accountability for account errors on their end. I also pay XXXX XXXX monthly for my private loans through XXXX. I am a XXXX XXXX that works XXXX XXXX XXXX XXXX XXXX XXXX but my prior employment in this field does not count towards PSLF. I feel like I'm being punished for getting an education to work in a XXXX XXXX XXXX 

Thank you for your help in any way on this matter. 

XXXX XXXX
Product: Mortgage

XXXX Shellpoint Servicing took over my loan as of XX/XX/year>. They aquired it from XXXX XXXX. Shellpoint calls me every month trying to collect payments although the payments are taken out of my account automatically. I have explained this to them every month and they say the issue is resolved. This issues is not resolved as they continue to call me as well as send me default paperwork via mail. It takes them XXXX to XXXX  months to apply my payment to my account. It has now hit my credit as being over my credit balance. I have now been turned down for a refinance of this loan with another creditor due to thei inaccuate reporting. The other issue is that when they due apply a payment they are not appling any principal to my balance.
Product: Money transfer, virtual currency, or money service

My online banking was compromised and a XXXX transfer was made on XXXX XXXX for {$200000.00}. 
This was unauthorized
Product: Payday loan, title loan, personal loan, or advance loan

The company requires you to provide photos of your identification when applying for credit. They send you a link to an interface where you are supposed to click on a button to activate your phone 's camera. However, the verification screen they provide does not fit in my phone 's display, and it does not allow me to scroll down to click the button. This is a XXXX problem reflective of poor XXXX design. The bigger problem being they do not provide any alternate means for me to provide identification verification. This, to me, seems to be a violation of the Equal Credit Opportunity Act. Because I don't possess a smart phone, they won't provide me access to apply for their credit offerings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022- Experian. Over 30 days NOT RESPONSE!! Please refer to complaint # XXXX. " Company response is in progress as of XX/XX/2022. '' I have NOT received feedback from the complaint number XXXX. 

I posted proof that a XXXX XXXX account was deleted from my Experian account 3 TIMES. 

The XXXX XXXX account was DELETED 3 TIMES. Therefore I cleary proved there was inaccurate infomation. 

WHY WAS THE XXXX XXXXT PUT BACK ON MY CREDIT REPORT AFTER IT WAS DELETED 3 TIME. 

I have attached the printed out credit report from the website. It shows the dates and deletions. 

Laws have been broken : Subsection 606 15 U.S code 1681d ( b ) 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

612. Charges for certain disclosures [ 15 U.S.C. 1681j ] DOCUMENT ATTACHED. SHOWING PROOF THAT THE XXXX XXXX  account was deleted 3 times!