23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a collection letter from a XXXX Agency, giving me 60 days to respond to a {$210.00} past due balance. This was the first Notice i received from XXXX trying to collect a debt. One week later on XX/XX/XXXX, XXXX reported the collections to XXXX, dropping my credit score 60 points. 
The letter specifically stated, i had 60 days to respond, and yet, XXXX immediately placed it on my credit report, not giving me enough time to pay or respond. 

I called XXXX and asked them to delete from my credit report and I'll pay immediately. I was rudely treated, and they responded nasty to me. " It's your problem, you should pay your bills on time and XXXX will not remove this. '' I said, i would leave XXXX XXXX  other services, such as FIOS and My wife 's XXXX account, they said, " We don't care, we don't want customers like you. '' XXXX is treating me unfairly! They send me a collections notice on XX/XX/XXXX and report to the credit agency a week later. 

This is not part of the Fair Credit Act, This is verbal abuse, and abuse of credit reporting! I will pay XXXX in full, but they should delete it, because they gave me 60 day notice to pay. 

( Letter from Agency is attached )
Product: Checking or savings account

I had opened up a checking account in the month of XXXX since they had a promotion going on. This is what the promotion said : XXXX open a m & t XXXX XXXX or XXXX XXXX  account by XX/XX/XXXX - I did open a XXXX   account before XX/XX/XXXX XXXX access money smart by enrolling in m & t online and mobile banking and launching the money smart dashboard and accept the terms and conditions by XXXX - I did this as well 3. Maintain XXXX XXXX monthly balance for the months of XXXX and XXXX- I did this as well The promo code used was CD After doing all the 3 above, I had confirmed with the online rep and they said I was all set to receive the {$250.00} bonus as long as I maintain {$1000.00} for XXXX and XXXX which I did but i still haven't received my {$250.00} bonus. It's almost mid XXXX  and now when i called the bank they are telling me they dont know why I haven't got my bonus. 


This is the most ridiculous bank to deal with. I have also attached the flyer for reference which states all the steps and I followed them all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested TransUnion to removed 4 unauthorized inquiries from my credit report last week. 
XXXX  date : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX date : XX/XX/XXXX. 
They wont do it and its not my fault what happened. Its their responsibility to removed authorize/fraudulent inquiries and they dont want to. 
I have no problem with XXXX, there were great but TransUnion it being so unprofessional. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXXXXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX
Product: Mortgage

I currently have a home equity loan wit h BBVA Compass. Rec ently, a leak in shower pipes caused a great deal of damage for which I 've filed an insurance claim with  XXXX   XXXX .  XXXX  has been great to provide payment for me to get my home repaired. I walked in to BBVA Compass t o deposit a check from  XXXX  to get the work done on my home. The branc h manager explained  they were not able to take the check at the branch. I had to sub mit a Hazard Insurance Claim Disbursement Request F orm and send paperwork, along with the check, into the bank. I 've had to pay for the repairs myself while waiting for the checks, already approved by insurance, to be deposited into my account. Currently, I 'm out a little over {$12000.00} and have been forced to take money out of savings to pay bills. The process, according to BBVA  Compass, takes 2 weeks to get funds into an account if you have a Home Equity Loan with  the institution. Two weeks ...?? to process a check from a large, reputable insurance company? I wonde r if BBVA Compass is ca shing the checks and reaping the rewards of interest on my funds? {$12000.00} is not a great deal of money for a financial institution to try and scam, but if all of their other customers are having to deal with the same situation, it could probably add up very quickly.
Product: Vehicle loan or lease

XXXX XXXX XXXX is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), 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
Product: Payday loan, title loan, or personal loan

on XXXX I applied for a title loan with my title and I was denied, then I went into the ttle max and they said I would receive the title loan but I never received the loan, nor would they give me my title back, and title max claim that I received the loan but my bank account does not reflect it even though title max may be the reason for all the fraud on my account this is a serious situation, becasue they are trying to charge me for a loan that i have not received, the still have my title and my account never reflected any amount of money deposited into it, this needs to be corrected and my title needs to be returned to me becasue on the XXXX all i received was a denial pertaining to this issue, Title Max has been unable to provide any Arn numbers or any check info to transactions that were done on my account... ..I did have fraud on my account which Title Max is reason for that and they are trying to retrieve money from me that was never given to me ....
Product: Mortgage

Ocwen was notified XXXX of enrollment in AZ XXXX XXXX XXXX program. 
Ocwen never recognized participation in program. 
Payments received from the AZ XXXX XXXX were improperly applied to my account. XXXX XXXX Requests were made about alternative options to assist me from losing home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. 
XXXX XXXX was sent and received XXXX XXXX XXXX House was placed on trustee sale XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
I was notified XXXX/XXXX/XXXX approved for loan modification I was informed XXXX/XXXX/XXXX of lien and need to remove prior to XXXX/XXXX/XXXX. 
Loan modification was denied XXXX/XXXX/XXXX because of lien. 
Relationship XXXX was asked about sale date and foreclosure status for XXXX/XXXX/XXXX was told no current sale date and foreclosure was on hold.
Product: Credit reporting or other personal consumer reports

I found an incorrect item on my credit report. 
Discover Bank Account number XXXX ************** XXXX {$610.00} This credit card account is unknown. 
I have not received or used this credit card.
Product: Checking or savings account

I opened an account with Truist bank and after opening every time I made a deposit they put 2 and 3 week holds on my deposits causing payments to overdraft my account. I was not told this upon depositing but received a note card in the mail 2 weeks later. I called to get it taken off and they said no one could do that and they had the right to do this to anyone at anytime. This happened before one of my many surgeries and I had no way to pay for my medications. I even sent proof that these checks they had a hold on had already cleared the banks the checks were written from and the money was there but they still held it for weeks. After the hold was lifted I had to call back and dispute the overdraft fees. I got them returned one time after this happening numerous times.
Product: Credit reporting or other personal consumer reports

On XXXX Speedy Cash reported a Collection/Charge off onto my consumer report as well as a balance of {$400.00}. I requested that the company provide the original agreement but I have yet to receive it.
Product: Credit reporting or other personal consumer reports

I have disputed items on my credit report. I verified that I was involved in the Equifax Data Breach on the FTC website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against Flagship Credit had  been resolved yet it has not.      Flagship Credit is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my credit score a  violations of the FCRA.      Flagship Acceptance Credit reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on my credit score was imp acted.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

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 and crimes which antedates the report by 7 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 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. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # 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, states a consumer reporting agency cant furnish an account without my written instruction.
Product: Credit reporting

I am a victim of ID Theft and I have been watching my credit file, I was so surprised to see that there are over XXXX inquiries from American Express. I had to file a police report and I contacted American Express. They do not appear to be very concerned and told me it appears that these inquiries are probably fraud.
Product: Credit card or prepaid card

I am extremely disappointed to receive the same response to my complaint regarding the restrictions placed on my accounts with your company. The lack of urgency and consideration for my situation is unacceptable. 

As I have previously stated, my account was restricted due to an old account number saved for payments that had not been updated, causing payments to be returned. I have attempted to provide documentation and proof of my current account, but Capital One required a statement within the last 60 days, which was not possible as my account had been closed, and I had opted for paperless billing. 

Despite my attempts to provide documentation and proof of my current account, including statements from my new bank and account, Capital One has insisted that the only way to unrestrict my account is to provide a statement from XXXX for XXXX XXXX for XX/XX/2022. As I have previously stated, this is not possible as I have switched banks from XXXX to XXXX, and I opted for paperless billing with XXXX. 

I want to reiterate the urgency of this matter, as my account has been subject to unauthorized fraudulent transactions that have reached their limit, and I am still making monthly payments for these transactions. Capital One has refused to address the fraudulent transactions until my account is unrestricted, yet they have not provided any assistance in unrestricting my account. Each time I have contacted Capital One, I have been referred to a special department that says they will review my account, but it has been almost six months, and there has been no resolution. 

I want to emphasize that I still do not have access to the XXXX statement for XX/XX/2022 XXXX XXXX, which is required to unrestrict my account. This situation is causing undue stress and affecting my mental health. Additionally, my credit score is being adversely affected, which is impacting my ability to obtain financial services and products. 

It is unacceptable that Capital One has not provided an alternative solution to address this issue. I demand that you take immediate action to resolve this matter and unrestrict my account. I also request that you provide compensation for any financial losses that I have incurred due to your company 's negligence and lack of assistance. 

I hope to receive a prompt response that addresses my concerns and provides a solution that takes into account the urgency of this matter.
Product: Checking or savings account

On XX/XX/year>, SoFi bank put a security freeze on our account containing approximately {$3200.00}. We recieved an e-mail at the time that asked us to call SoFi. When we called them we were told only that their security team was working on the problem and that they could not give us any timeline for resolution. We called several more times over that week and received the same answer. On XX/XX/XXXX, we called back and requested that our complaint be escalated to a supervisor. We were told that there were no supervisors and we were then hung up on by the customer service rep. On subsequent calls over the following weeks, we were told that we had violated our membership agreement and that our account was going to be closed. That was fine with us - at this point we just wanted our money back. Unfortunately, SoFi seems to leave customers with no recourse for escalating complaints in situations like this. 

On XX/XX/XXXX, we filed a case with the OCC - that case is still pending. 

On XX/XX/XXXX, we filed a complaint with the XXXX 

It has been more than 3 months now. Close the account already. We just want our money back. We tried to close the account ourselves on their website, but it wouldn't let us, because the account is restricted.
Product: Debt collection

I have already make a plan to pay the debit of XXXX which included the {$120.00} that I have been charging.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I had a business savings account with chase in addition to my primary account, so if any money comes in that can not cover on my main account it would automatically withdraw it from the savings account. Chase has closed that account and never made me aware. I have been getting abused with fees from them that is excessive. I have been talking with the branch vice president XXXX XXXX at chase and he has been really rude and unprofessional and unwilling to help me. I am really getting ripped off by Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is incorrect it does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit Thank You
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Mortgage

As usual my husband and I received our Mortgage statement in the mail. I typically pay our mortgage online through Loancare. Loancare is a company hired to collect for XXXX. On the XX/XX/XXXX, I go online to pay the mortgage and realize that we are now being charged a XXXX $ fee to pay our mortgage. This was not there when we paid the mortgage in XX/XX/XXXX. So, I wait until XX/XX/XXXX to call Loancare and speak to someone regarding this fee. The Representative tells me unfortunately the fee process started XX/XX/XXXX. I inform her we never received notice and she stated it was online. I then ask how could this be when your given a grace period of 15 days to pay without being penalized? She states that Loancare only collects for XXXX and that this is Loancares cost for collecting. This representative then proceeds to inform me she can process the payment this one time without the fee, that next month I need to pay between the XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX, XXXX ; XXXX XXXX ; XXXX XXXX AV XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX ( Original creditor : XXXX XXXX LOANS ) XXXX Date opened : XX/XX/XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance : {$220.00} ; XXXX  Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I discovered that there is an account on my report that is hindering my credit worthiness without my permission. This is in violation of 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my report.
Product: Credit card or prepaid card

XXXX sent me a letter dated XX/XX/2018 Citi/XXXX stated that about how the 3 Credit Bureaus that Citi/XXXX noted on my credit file disputed by the consumer. That's not my complaint is that Citi/XXXX is to show on notes on the credit file that Citi/XXXX requested that the account be closed show it's suppose to state closed by the ( CREDITOR ) My next issue I have had the account over 9 years and that it was not clear when I called in I was told by there rep it did not matter and then Citi/XXXX had a nasty attitude when calling about the account. It's all about Fee 's and how to charge the consumer more money. Citi/XXXX as if the account/form they mailed out cant be retracted by error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.