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

This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt
Product: Credit card or prepaid card

I have had this account for years. I recently tried to use card and it failed. I called on and read they put a " hold '' onto my card/account. I did nothing wrong and card should had never been " held ''. I am requesting my card to be active again ASAP as I need access to MY funds in the account. I am XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL card # XXXX
Product: Debt collection

Collection law firm based in XXXX XXXX with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX XXXX. ( Garnishment order carried out by XXXX, XXXX XXXX XXXX
Product: Credit reporting

experian is not providing my credit report. i am unable to refinance because of this. 
they do not offer any explanation. nobody in the agency is able to help. 

no problem with the other XXXX credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Student loan

In 2007 I was really struggling with money, I could barely afford to feed myself and skipped a lot of meals. I called my student loan provider nelnet/ firstmark services to tell them I was struggling with my payments. A forebearance was suggested and no one told me that my loans would be gaining interest while they were not in re payment. I left them on forebearance for a year. When I went back into repayment, my balance had increased by {$10000.00}. I had no idea this was going to happen, I certainly would have started repayments much sooner if I knew I would increase my amount owed by so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX! XXXX Citizen Bank reported a hard inquiry on my credit report but I have not given them my personal information to apply for or obtain any assistance with a loan, credit, account or credit cards.
Product: Credit reporting or other personal consumer reports

Received a reinvestigation result from XXXX ( report # XXXX ) dated XX/XX/XXXX and noticed XXXX inquiries on my report from Convergent Outsourcing , INC . These were made on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All without my prior permission. I do not have any business with them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/22 I tried to open a new checking account with XXXX, and I was notified that my credit on Experian was frozen even though I didn't have it frozen. I tried to reach out to Experian during their listen business hours multiple times, but their automated system came up and did not allow me to use the option to speak to a representative to resolve this issue. I also was unable to access it via the website, and when I submitted a request to change my username/password, the email they suggested they were sending it to was not one that I recognize. I have a limited window for the new account bonus with XXXX, so it is having a financial impact on me to not be able to access this, and I really don't appreciate Experian 's lack of communication. I would greatly appreciate help in accessing my account or unfreezing my report, as is my right to do so. 

Thank you for your time. 
XXXX
Product: Credit card

My credit card was locked by the Citi Bank on XX/XX/XXXX. I tried to resolve this problem by calling the customer service to verify my identity and unlock my credit card, but the customer service responded to my request quite passively. They promised to send me a verification letter and to call me back after conducting a survey on my case. But none happened after a whole month, and my credit card is still locked
Product: Debt collection

The company name SEQUIUM ASSET SOLUTIONS is charging me {$60000.00} on the name of XXXX XXXX XXXX XXXX XXXX I vever used XXXX and i ready contact XXXX and XXXX XXXX XXXX  and they do not have an account with the number provide true SEQUIUM ASSET SOLUTIONS.. 

Also i read a lot of complaint about this company, people are saying they are scams.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal CC and a business credit card account opened for XXXX on XX/XX/XXXX totaling {$80000.00}. 
XXXXXXXX XXXX  opened on XX/XX/XXXX totaling {$8200.00}. ACCT # XXXX These accounts have resulted in fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the mentioned accounts, charge offs, or hard inquiries as reported. 
The above mentioned accounts, charge offs, and hard inquiries appearing on my credit report maintained by you, were not opened, made, or initialized by me. 
These two accounts are a result of identity theft and fraud. 

I have attached a copy as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

While refinancing my loan back in XX/XX/2016, I had a long conversation with PennyMac Loan officer XXXX, regarding my PMI while refinancing, I asked when it would fall off, how it works and everything like that. A year later while talking with PennyMac they stated that my PMI is for the life of the loan. This is NOT what I was told from XXXX XXXX Loan officer # XXXX, we had a conversation specifically about the PMI. I would have never signed this knowing that when we had verbal over the phone communication regarding this. I have since complained to PennyMac and have gotten nowhere. They're actually the ones that referred me here to make a complaint. Customer service can't help me on their end, neither can managers of loan officers or managers of service. I am getting no where and was given misleading information, basically flat out lies. Please help me resolve my issue. Please pull the phone calls, I have asked PennyMac multiple times and they wont
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor XXXX XXXX  has violated my rights under 15 USC 1681 section 602 that states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on account under credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct these mistaken accounts being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) APERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INNACURATE
Product: Money transfer, virtual currency, or money service

I have been with Cash App since XXXX This month I was offered to borrow first {$50.00} borrowed it paid it back immediately. Then was offered {$75.00} so I borrowed that paid it back immediately and then reborrowed it. When I went to pay it back Cash closed my account telling me I went against the terms of use? I never had any problems with any of my transactions until now. They wont tell me what I did and refuse to reopen my account. At present I still owe the {$75.00} plus interest. Please find out what I did wrong for I use this app often and never had a issue. I dont do anything illegal and feel so hurt I am being accused of misuse. I would appreciate my account be reinstated ASAP so not only to repay what I owe but to send and receive money as I have for five years. I tired this morning to open another account was asked my ssn and I got the same that my account is closed. 
Thank you So Much
Product: Credit card or prepaid card

I reached out to Capital One about an almost 30 % apr on a credit card for several reasons. One ; that was not the promotional and or advertised rate for the card. Two ; the rate was almost double the national average. Three ; my XXXX XXXX and XXXX XXXX combined did not equal the Capital One credit card. They refused to review the apr and instead told me to make 3 or more payments each month.
Product: Mortgage

On XX/XX/XXXX I bought a home that originally financed thru Compass. The loan was sold to Pennymac. After the first week went by I believe it was XX/XX/XXXX my loan was sold to Pennymac. I contacted the customer service reps after that to advise that as a 100 % XXXX vet I am tax exempt. The customer service reps told me they would check and get back to me which never happened. After repeated calls talking to about 7 or so customer service reps still no help. My payment should be XXXX and not XXXX. I have repeatedly advised these customer service reps to adjust my payment as not put tax money in a escrow account when I am tax exempt which was verified by XXXX XXXX. XXXX XXXX  is 1 year behind in collecting taxes so for Pennymax to take taxes from me when I did not live in the property does not make sense. If Pennymac does this to me at the start I wonder how bad it will be dealing with them until I can refinance. Thanks
Product: Credit card or prepaid card

On XX/XX/2022 I made a reservation XXXX to rent a SUV and my Citi card was charged {$1800.00} I called XXXX wanting to add roadside assistance, after speaking to 7 representatives, told I cant add and pay for roadside assistance at that time, the rep was supposed to cancel 1st reservation and create a new one at lower cost for the aggravation. 
I went to a XXXX rental location in XXXXXXXX XXXX  in person, the rep made a new reservation, but made it for the wrong dates. He stated at that time, he emailed his XXXX to correct the dates and he would call or email me that Monday. My Citi card was charged {$1400.00}, I was never contacted at all. I cancelled that reservation. 

I have previously provided Citi copies of cancelations, copies of Citi statements showing dates and amounts charged, dates and amounts of credits. I am still awaiting credit for {$1400.00}. 

Respectfully, XXXX XXXX
Product: Mortgage

I completed the process to request a loan modification under the " Making Home Affordable '' program. After making XXXX consecutive payments, Bank of America has failed to convert me to a permanenet modification which is subsequently causing further delinquency. I am trying to work with my lender to prevent both further delinquency and bankruptcy.
Product: Payday loan, title loan, or personal loan

A representative from this company ( XXXX XXXX ) contacted my brothers girlfriend on XX/XX/23 via a XXXX message. This representative sent a message to XXXX XXXX, who is not a reference or a family member, and asked that XXXX XXXX would have me contact XXXX XXXX at XXXX. A simple XXXX search brings up Family Choice Financial, the loan company, and now my estranged family members and acquaintances know that I have a loan through this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my credit report : - Account Number : XXXX - Creditor : XXXX XXXX - Amount : {$140.00} - Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX - Amount : {$200.00} - Account Number : XXXX - Creditor : XXXX XXXX - Amount : {$1900.00} According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under certain permissible purposes. I have reviewed my records and do not recall ever providing written consent for XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX to furnish or obtain my credit information. 

I believe this account is being reported in error. I request that you immediately investigate this matter and remove this account from my credit report if you can not verify the existence of my written consent. Please provide me with the documentation that shows I authorized this account. 

I understand that under the FCRA, you are required to investigate my dispute and respond within XXXX days. Please send me a written confirmation once the investigation is complete and the account has been removed or corrected.
Product: Debt collection

My credit report has a debt from XXXX XXXX from XX/XX/XXXX. I have not been a customer of theirs since XX/XX/XXXX, and I am not sure why they effect my credit report.
Product: Credit card or prepaid card

I tried to open a chase ink card for myself. It was opened however, when I activated the card they shut it down cause they needed more information. When I sent the information in I never heard back from the department. I called multiple times and they never got back to me. I think they are trying to avoid giving me the bonus points as advertised.
Product: Debt collection

I received over XXXX phone calls from debt collector and with each phone I requested a written verification of what the debt was and how much the total was for. Each time I was assured that the notice would be sent, I verified they had the correct address to send me said written verification. I have never received anything in writing from them, only phone calls and at times harassing phone calls calling me " stupid '' and threatening legal action. The agent 's name was XXXX, and he called me in XXXX of 2015, he became abusive and aggressive when I told him I needed one more week to satisfy the " verbal '' agreement I made with XXXX in XXXX of 2015 to whom I made a {$200.00} payment. The agreement with XXXX that was again asked for in writing, and was never received, XXXX stated " there is no XXXX and you are stupid to think that anyone would make an agreement with you that is why you will never get anything writing, may you should have died in your accident to make this process easier ''. 
I also have paid {$700.00} to date on the account and was told that I had satisfied this account upon the last phone call from them in XXXX of 2015. I requested this account be removed from my credit report as satisfied I was told " thank you for the payment, and we will do this ''. I again requested that I receive a " paid in full '' statement from them, I was assured that it would be sent and yet again there was no written correspondence. This company does not send out notification of debt to collect, they will only call and then not honor any agreement that is entered in to, nor will they give a terms agreement in writing. They also hold accounts over that get payment on for several years or months to gain more interest to charge to the customer. I have been told by agencies who previously utilized them that " They never remove themselves from anyone credit report, they just wo n't do that ''.
Product: Checking or savings account

My savings account with capital one has been on hold for XXXX months now and all I keep getting is the sorry excuse of they cant find the investigator and I never get a call from them about my account. I am trying to get the funds that are left and just stop doing business with capital one
Product: Credit card or prepaid card

Name on the credit card is XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I made a purchase of 3 " XXXX XXXX '' for {$600.00} to be performed at different times for the next few months after purchase. Prior to my purchase I met with " XXXX '' who promised immediate results of firming, wrinkle reduction, tightening of the skin and pore reduction. 

Lots of amazing claims in person as well as in their advertising. I told XXXX that I was on board if the claims were accurate and that the biggest hurdle she has was managing a clients expectations. She assured me there would be results. 

I began my treatments the next week and finished up the last treatment in mid XX/XX/XXXX. After the 1st treatment I got a text from XXXX XXXX to do a XXXX review, I said no I wanted to wait until my series of treatments were over to see if anything they told me in the consult or in their advertisements came true. They said that was fine. At that time I did not do a review. 

At the completion of my last treatment, I told my technician, I saw ZERO results and that I wanted to speak to a manager about it. XXXX the manager I orginally met with was not available so I called her the next day to discuss the matter. 

She called me back on XX/XX/XXXX. After a long discussion about me seeing no results she said she would consult the owner about a refund based upon the claims they made in the consult and advertising. The next day she left me a voicemail that they were not willing to do anything. 

With that voicemail, I filed a dispute with my Synchrony Bank Care Credit card and provided them all the advertising materials provided By Restore Hyper Wellness and my explanation of the timeline of events. On XX/XX/XXXX, I received an adjustment to my bill from Synchrony bank for {$600.00}. For me that concluded the matter. 

Then on XX/XX/XXXX, without explanation Synchrony Bank re-billed the {$600.00}. I immediately re-contacted them and was told someone would reach out to me in the next few days to address the matter. 

It is now XX/XX/XXXX and no word from Synchrony. I want the re-bill of {$600.00} reversed due to deceptive advertising and claims made by XXXX in the original consultation. Just a money grab.