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

I called Bank of America to use their zero-APR VISA  offer to pay off my {$2400.00} balance at XXXX. The operator there said they had a new MasterCard with a zero-transfer fee that would also save me the cost of the balance transfer, and could get instant approval. A minute later I was approved for $ XXXX, and they process the transfer. 

Later I learned that they REDUCED my $ XXXX limit on my VISA  down to $ XXXX to provide the " new '' $ XXXX for my new MasterCard. I called in and requested my $ XXXX be restored, and several days later I received a denial in the mail. 

This it started. First, a notice from my credit monitoring service that a credit limit has been reduced, followed a day later by notice that my FICO score had been reduced from XXXX to just XXXX. 

Then, the constant flow of new credit card offers that daily filled my mailbox suddenly STOPPED. 

I went to my local B of A branch and explained how B of A had trashed my credit. They forwarded the report to headquarters, who started Case number XXXX to investigate. 

Later, I received notice that their investigation had determined that everyone had followed their normal B of A procedure, so they would do nothing to mitigate the situation, despite the damage that had been done to my credit, and probably the credit of thousands of other previously-loyal customers. They REALLY don't care about the damage they are doing. 

So, I called back and talked to a supervisor XXXX at XXXX to discuss possible ways of mitigating this situation within their very broken " system ''. She offered to combine the two accounts into a single $ XXXX account while closing the other account. Of course this would then show an account closure, but it would also show an account increase. Unfortunately my skills like elsewhere, so I lack resources to figure out what to do, despite hours of watching XXXX videos about related issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and their is fraudulent and unauthorized charges/transactions listed on my account.
Product: Credit reporting 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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX BANK XXXX XXXX {$26000.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Product: Checking or savings account

On XXXX I went to a XXXX XXXX gas station at XXXX XXXX, XXXX, XXXX  XXXX XXXX get diesel gas for my XXXX XXXX truck. I attempted to get gas at the first pump but the pump stopped, wouldn't generate a receipt as well declined the transaction however, there were funds in the account. I attempted to try again but the same thing happened so I moved to another pump and used a different card which allowed the {$72.00} transaction to go through. I checked my account to see why the card didn't work and noticed XXXX pending transactions of {$100.00}. I went inside to tell the cashier about the pending transactions of {$100.00} each and was told that was the amount of the hold however, I explained both transactions were declined so the cashier said I needed to contact the bank. My truck can't hold {$270.00} so I called Navy Federal Credit Union to report the error but was told the transactions were pending and I would have to wait for it to drop off before the funds would be released. I called back XXXX days later when I noticed the charges were posted and was told by the customer service rep that there was nothing they could do so I would need to go back to XXXX XXXX I've got gas from that gas station multiple times and never was the pending hold for {$100.00} but only a pending charge of {$1.00}. The pumps never provided receipts for either transaction. Navy Federal Credit Union will not investigate the transactions. I don't have {$200.00} to give away.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

A person I met on a dating app named XXXX XXXX XXXX probably fake name ) tricked me and stole my money which is XXXX dollars. He lured me from multiple transactions to withdraw money from chase bank to XXXX  to fake app XXXX  ( also called XXXX  ). 

When the money went to XXXX  site above under my account there, they scammed me and stole my money. 

A private Investigation company was able to trace where the money went and found put they stole over XXXX XXXX dollars by scamming people. 

My money was last traced here and then ultimately XXXX to binance XXXX See attachment for transactions amount and police report. 

THE BANK CHASE IS REFUSING TO HELP GET MY MONEY BACK EVEN WITH THE POLICE REPORT Thanks
Product: Mortgage

THIS COMPLAINT IS AGAINST : REVERSE MORTGAGE FUNDING LLC- CORPORATE HEADQUATERS located at : XXXX XXXX XXXX ( Second Floor ) XXXX, NJ XXXX Main Telephone Number : ( XXXX ) XXXX NMLS ID - XXXX AND ( Both of which are the same company ) REVERSE MORTGAGE FUNDING LLCXXXX Customer Service Department XXXX XXXX at : XXXX XXXX XXXX XXXX, MI XXXX Customer Service Number : ( XXXX ) XXXX Email Address : XXXX WHAT HAPPENED : ( This is in respect to Loan Number : XXXX, and a Loan Statement is attached onto this Complaint for the Company 's Identification, including their current addresses. TO THE CFPB Staff : please see the attachments on this Complaint ) : I attempted to make Payments to Reverse Mortgage Funding in XXXX of 2022, XXXX of 2022, XXXX of 2022, and XXXX of 2022 ; however, Reverse Mortgage Funding have continued to charge me Interest and Fees while at the same time, refusing to accept any payments on the loan in part or in full through my refinancing the debt for over the last nine months, and are actively trying to force me into Foreclosure Proceedings through predatory lending practices. 

Reverse Mortgage Funding has also refused to sign-off on two checks that were issued to me by my Homeowners Insurance Company in XXXX of 2022 in order to make safety related repairs to my house, which is preventing me from being able to Refinance or Sell the home. 

The home went under contract for sell in XXXX of 2022 for {$320000.00} thousand dollars, however after the buyer was told about the Safety Related Repairs not being made ( which is a requirement by Law to disclose during any Real Estate transaction ), the Company pulled out of the deal and canceled our contract to buy the property due to the condition of the home, end quote. 

They are an Investment Firm located out-of-state and were going to buy the house and use it as a Rental Property, however until all the safety related repairs are made, nobody can live inside of the home due to the risk of Fire, and/or the potential hazard of Electrical Shock. 

Between XXXX of 2022 and XXXX of 2022, Reverse Mortgage Funding has charged me over {$5500.00} dollars in Interest and Fees which is an illegal act of self-enrichment, while at the same time, have been preventing me from paying off the debt in full or from making any payments that would lower the interest during their attempts to force me into Foreclosure. 

Reverse Mortgage Funding doesnt want any payments from me at all ( and by their own words, they wont accept any either ) ; Reverse Mortgage Funding just wants to take the house for profit, and as evidenced by their actions, will do anything to get it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX   XXXX XXXX card nor did I charge anything to a XXXX   XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my now husband and I were in a car accident where I was the passenger. I believe the company that reports these things is called Lexis Nexis and they reported the accident under my name and now I am in jeopardy of my insurance being non renewed. I have tried to call the company several times and as soon as I give all my personal information the line drops. I have sent out a letter of dispute as well. I would like for them to update my driving record as this is not my incident and I should not be penalized for it.
Product: Credit card or prepaid card

I have had a secured Discover credit card for 13 months. Despite promises to review the account after 7 months to transition to an unsecured card, my card remains secured. I have had no late payments, no high balances, no red flags anywhere. I have checked my credit report and there are no derogatory items over the last year. According to the information provided by the companys agents and website, I have met all of their criteria to obtain an unsecured card. Discovers agents tell me the process is automated, and no human can intervene. Of course this makes no sense. The company is not run by computers, it is run by humans who have a responsibility to investigate when a problem is identified. I believe Discover is running a scam by holding on to card holders security deposits for longer than is promised, thereby creating revenue for the company with funds from people recovering from financial hardship.
Product: Student loan

Maximus Education , LLC dba Aidvantage has violated my privacy rights with aggravated identity theft. I have the right to opt out of non-affiliated third-party reporting. I can not be forced to waive my rights as a condition of 15 USC 1693I. Maximus Education , LLC dba Aidvantage must disclose my right to opt out and has committed fraud, which has no statute of limitations. Since the Maximus Education , LLC dba Aidvantage committed fraud, I have the right to rescind my signature, which nullifies the contract ( or rather it was void ab initio ). 

VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 In addition to my demand to remove ALL accounts, I am seeking {$18000.00} in damages due to the MULTIPLE violations for each account that you have acted on. Please see attached. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Maximus Education , LLC dba Aidvantage has violated me with aggravated identity theft. 

Maximus Education , LLC dba Aidvantage has within FOUR DAYS to remove ALL accounts from ANY and ALL consumer reporting agencies. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!
Product: Mortgage

On XXXX the XXXX I call Caliber Home Loans in order to find out what type of programs they had available for the people effected by covid-19. After a two hour hold time, I was told by XXXX ID:XXXX that they have a forbearance plan. 
I specifically asked if I can continue to make payments with my debit card through the online portal. She told me yes. 
XX/XX/XXXX I attempted to pay my mortgage through the online portal but was unable to. Today, XX/XX/XXXX, I called them again and after a 45 minute hold time, I was told that due to the forbearance I can only pay via phone with checking account and route number! This was NOT explain to me, in fact, the opposite. XXXX ID:XXXX was extremely rude, aggressive and refused to accept responsibility on behalf of caliber home loans. 
I NEVER agreed to make payments over the home, I ASKED if I could continue making payments as I always have and was told YES. 
They need to be held accountable for this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
DEPT OF ED XXXX XXXX. {$3500.00}, {$560.00}, {$350.00} XXXX XXXX XXXX XXXX XXXX. {$52.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Remex does not contact consumers to rectify debts prior to placing collections on credit reports. Remex reported a delinquent account in the form of a {$110.00} collection to the credit bureaus, however made no attempts whatsoever to contact me to notify or rectify the situation at any point before they reported this debt. When I called, they claim that they sent a communication in XX/XX/XXXX. I never received any communication and asked for a copy of the original communication, with date. Instead they sent a collection notice dated for XX/XX/XXXX. Their " client '' is a medical provider which is now permanently closed for approximately one year so I had I been aware I would have been able to contact the provider directly to fix the error. That is no longer possible. I received care on XX/XX/XXXX through a workers compensation claim. I have a discharge summary from their client dated for care on XX/XX/XXXX. The worker 's compensation insurance denied the claim because the provider did not supply the required information to the insurance, and had a date of service of XX/XX/XXXX. This date does not match the date of service on the discharge summary from the provider, their client. Instead of resubmitting the insurance claim with the correct information or sending me an invoice, the provider let this debt sit for five years until they permanently closed in XXXX, and then Remex obtained the debt as a collection, which was reported to my credit in XX/XX/XXXX and dropped my score significantly. The drop in score is what alerted me to an issue as I had no knowledge that any of this had occurred. When I called the worker 's compensation insurance company, they stated that the provider did not supply the necessary information, which is why the claim had been denied. I contacted Remex and explained that the date of service is incorrect and I have no balance due for XX/XX/XXXX. I asked repeatedly for an invoice which outlined services rendered on XX/XX/XXXX and amounts due, to which Remex said they could not provide an invoice but that it was customary for their client, who is now permanently closed, to send invoices. I have still not received an invoice for to substantiate that services or care were provided on XX/XX/XXXX and that anything is owed. The worker 's compensation insurance has also requested an invoice in an attempt to rectify this situation. Remex has been difficult to work with as they stand by their claim without providing an invoice, only repeatedly referring to the collection notice they sent in XX/XX/XXXX. I've never been late on a bill in my life. Now, because their " client '' made a mistake six years ago, I am being punished over {$110.00} that I don't actually owe. I don't understand how they can allege that money is owed for a date of service that does not match and without providing an invoice, bill, or discharge summary. Since there is a dispute that this is accurate information, a collection notice or a date provided to Remex from their client is not sufficient evidence that services took place on XX/XX/XXXX, since my records from their client indicate otherwise.
Product: Credit card or prepaid card

My card was stolen on XX/XX/XXXX and they refuse to reimburse me for charges on my card .it was canceled on XX/XX/XXXX they refuse to reimburse me for the charges on XX/XX/XXXX thru XX/XX/XXXX the person was caught with my card and I sent them a police report but they said my time had lapt for reporting it..I had no way of reporting the incident because I was incarcerated from XX/XX/XXXX untill XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive DTI ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive DTI ratio is due to the error of XXXX XXXX XXXX XXXX My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, XXXX XXXX XXXX XXXX My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to get the public record on my transunion credit report removed because they lied about who was the data furnisher, now I called them and told them that I wanted to dispute the accounts that were included in the public record because the public record isnt present any longer, first I spoke to some female who after I spent 40 minutes on the phone with giving her all the account names and account numbers, she tells me that their system is having an error and that she couldnt help me so she decided to transfer me to another guy who started telling me that there is a statue of limitation for these accounts. I know the law and I know what the FCRA says about credit reporting, everything on my credit report needs to be reported accurate 100 %, there cant be any errors on my credit report, I want these accounts removed from my credit report because there is no bankruptcy on my credit report any longer and they are being reported inaccurate. How is it possible that after I gave this female all of the information, she tells me that there is an error with their system, I will do my best to get this problem resolved even if I have to file suit against transunion for defamation of character. I feel upset at the fact that this company needs to lie just because they dont want to delete information from my credit report, even when they know that the information is being reported inaccurate. I will also contact the attorney generals office where I live, me as the consumer have a right to dispute inaccurate information and the FCRA allows me to do so. Delete the following accounts immediately. 

XXXX  XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX  XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXXXXXX - Account Number XXXX XXXX - Account Number XXXX XXXX   XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Opened XX/XX/XXXXXXXX XXXX - Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I noticed that my most recent credit report contains payments reported on XX/XX/XXXX and XX/XX/XXXX for my Capital One closed account. 
I want you to know that I understand my financial obligations, and if it werent for me facing financial hardship and losing my job, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have pay the account off in full and have made payments on time. Ive had a spotless record of on-time payments. 
Im planning to apply for anew apartment and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XX/XX/XXXX and XX/XX/XXXX. 
Thank you for your consideration, and I hope youll approve my request.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00}
Product: Debt collection

I checked my  XXXX ,  XXXX , and  XXXX  credit reports and seen that I have collections from  Credit Collections and  I submitted a investigation on the accounts. I was sent itemized bills from the collections agency and it had what I got done on them. Showing the amounts and all but then I seen that they did not bill both my insurance or my husbands. I called them and ask them to look it up and they said they could not. I called both insurance company 's. My insurance is looking into it because the account is an old account and I no longer have insurance with them. I then called my husband insurance and they said they did not pay because they requested EOB from the hospital and they never sent it to them. I have paid a few of the accounts but it was before I looked into it further. I do n't know if I paid them what was really needed to be paid becuase of the mistakes I found on there part.