23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PEntagon Federal services my mortgage. They hold my escrow for real estate taxes and insurance. They have not paid my county real estate taxes or homeowners insurance. Both are due in 5 business days. I have called 4 times, with a total hold time of over 2 hours, and no one answers the phone. I have sent 5 emails/contact requests with no response. I have no way of communicating with them, and they refuse to return calls/emails. I will be delinquent on taxes and insurance very soon.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

Kindly examine the fraudulent and suspicious items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I thought I had ordered tech support from XXXX for {$10.00} turns out I had nothing and XXXX  used Google pay to take {$10.00} off my gift card
Product: Checking or savings account

Chime Bank allowed a person that doesn't & has never resided at my property address to open an online bank account. I notified Chime on XX/XX/22 of the fraud that was committed. I received a response from Chime advising that they could no longer do service with me and that they will l be closing my account. I have never opened a Chime account. Chime needs to do more to combat fraud which is raging in this country. I am very concerned about Chime 's verification process with allowing fraud to occur and want them to cease and desist from allowing someone to fraudulently open accounts in my name as well as allowing someone to use my property address for their fraud.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> was my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Checking or savings account

In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in XXXX bank on XXXX and one for {$5200.00} was deposited in BOA on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at XXXX or BOA that is willing to talk to us.
Product: Debt collection

I'd like to be clear that the options presented for my complaint were not specific to my complaint or concern. 
I have an existing repayment plan with the law firm Zwicker and Associates regarding my XXXX credit card and have asked to help me reduce or skip my payment due to loss of income resulting from the pandemic of the corona virus. many of my other creditors have been more than willing to work with me with the exception of this law firm. They are telling me they cant help. It is ALL OR NOTHING and if I dont make this month 's payment this will void my agreement and will have to renegotiate my settlement arrangement. I have never had an issue making my payments in the past. I dont feel it is fair that they are not offering any options to help in this crisis that is affecting us and people all over the world. They are heartless and unfair. 
Zwicker and Associates XXXX XXXX XXXX
Product: Debt collection

I have tried to remove the debt from my credit report by calling your company because my name was used and it was an identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through XXXX under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with XXXX and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( XXXX Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with Transunion and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against XXXX when they approved a card that does not match both my first and last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXX card from the creditor XXXX. XXXX XXXX arbitrarily closed my account without asking my consent, and without giving a chance to remedy, on the basis of my race and gender identity after initially requesting a credit increase. As soon as I reached out to XXXX XXXX they cancelled everything having to do with my account and even blocked me from making purchases online while logged in ( requiring me to open a new account ). All purchases were instantly denied regardless of payment method used even though there had never been any issues prior. After the account closure I went to XXXX credit counseling and enrolled my XXXX XXXX account into credit counseling managed payment services which negotiated a lower interest rate and makes all payments for me. They have never missed a payment and XXXX XXXX has been paid consistently. In spite of this, they continue to report every month as more progressively late now showing 90 day late even though they have been paid promptly. Attempts to resolve this have been met with profanity.
Product: Credit card or prepaid card

I informed Discover in XX/XX/2023 before my due date on XX/XX/XXXX that I had filed for unemployment, and was waiting on my unemployment to get processed. Everyone, especially credit card companies, are aware of the lengthy process. It takes weeks to get your application reviewed, then approved. Once approved for unemployment, you then have to wait to receive your funds which Unemployment gives you no ETA on. 

Between the time I informed Discover and now, XX/XX/XXXX, I have received a threatening letter stating that they will INCREASE my monthly payment. A day early ( and before 30 days late ) they reported my account delinquent. All " payment options '' they've provided are exponentially higher than my normal monthly minimum, despite that I have reported I have NO income for the time being and until I receive my unemployment funds.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Money transfer, virtual currency, or money service

Cash app closed my account and I can't access it. I also tried to open a new account and was denied
Product: Money transfer, virtual currency, or money service

TransferWise ( now wise ) suspended my account with active balance of XXXX aud on XXXX XXXX and requested for additional documents. I provided all supporting documents as requested but on XXXX XXXX, they closed my account. Since then, they have not issue any update concerning refund of my active balance and my emails are not replied. The customer service on phone also tell me they can not do anything except the account specialist team who are refusing to respond to my email
Product: Credit card

Synchrony suddenly decreased my credit limit from {$2500.00} to {$830.00}. Just enough to cover the existing balance from a large purchase 7 months ago. The purchase is on a no interest payment plan, payments have been made on time and consistently. 
The decrease forced my utilization from 32 % to 96 %. 
How can these companies be allowed to play with peoples credit as such. It makes it impossible to increase a credit score. 
Decreasing limits and closing accounts makes it appear as the consumer is an irresponsible credit holder.
Product: Debt collection

The company called Credit Corp Solutions calls my number constantly. The phone rings twice and that is it. One day, I answered and there was no one there. No one leaves a message. If I block the phone number, I get a call with the next phone number in succession. If I block XXXX, I will start getting calls from XXXX. The company leaves no voicemail, doesn't answer if I do pick up, only lets the phone ring twice. This company calls every day 7 days a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my Equifax credit report I noticed several unauthorized transactions. I have n't really paid much attention to my report until this XX/XX/XXXX. I did notice several unauthorized inquiries for auto loans and I have contacted Equifax on several occasions, whether it be by phone, faxes, certified letters, etc. And they refuse to delete the inquiries that are inaccurately listed on my account. As a young woman looking to buy a home for my family I am trying to dispute inaccuracies listed on my credit report. The inquiries that are currently listed pertain to auto loans. I do n't have a need for an auto loan and being a credit bureau they have access to any and all of my consumer reports. This is making it very difficult to acquire credit. I am being denied credit due to numerous inquiries and it 's becoming more and more frustrated each day. I also asked for an early exclusion from XXXX inquiries that are due to fall off, but as we know sometimes inquiries just do n't fall off like they should. Again this is affecting my ability to obtain credit immensely. I have already contacted the creditors as Equifax has asked me to and they in turn tell me to dispute it with the credit bureaus. Can you imagine my frustration? The inquiries are INDEED FRAUDULENT! This request is very important to me and I 'm hoping you can help. XXXX has done an excellent job by taking care of the same exact request. Listed below are the inquiries. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The inquiries below are the ones I 'd like to have removed as an early exclusion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit card

I opened a " charge card '' with XXXX XXXX. The deal is you pay an annual fee, but there is no interest on the account at all because you are required to pay it in full every month. I love this because I do not want to support the credit card industry since it is so vicious and gets people in debt. I myself have never had any debts problems before, but in general do n't like the idea of debt or other people having debt. I thought this " charge card '' was a novel idea and the middle ground between a debit card and credit card. Well after having the " charge card '' for a little over 2 months they add a " Pay it Later '' option which is effectively making it a credit card. Why does this company ruin a good thing? A charge card should be a charge card and a credit card a credit card. I feel deceived that the account I opened and was happy to be forced to pay in full is now encouraged me to Pay It Later and is just another credit card. Completely twisting what the charge card is.
Product: Debt collection

An old account belonging to myself was paid after the due date. I do not owe the company any further payments, but they are still reporting the account as collections
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

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