23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A XXXX freeze was placed on my business account on XX/XX/2020. I sent out certified letters back in XXXX, XXXX to several TD Bank Facilities. However, my request for an answer and inclusion of this problem has gone unanswered, and I am requesting that my funds be returned immediately, and my loan be forgiven. I did try to complete the forgiveness of the loan with help of a specialist via telephone, who was sure that that would have worked. Unfortunately, my forgiveness was blocked for this alledged mistake of my business receiving a XXXX PPP Loan, and now I am also in debt with the SBA as well, which makes it even more difficult for me to apply for funding to get my business back up and running. This has caused my family to be faced with devastating hardships and adversities. We've been faced with a lot of agony, pain, and suffering. We have never endured such hard times or faced as many obastacles since the freezing of our business account, which was the primary support for my family. Therefore, I am asking that my account be reactivated and funds returned immediately.
Product: Debt collection

I had two credit cards with XXXX XXXX XXXX. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying Freedom every month for over 2 years by these very mean and rude people at : NELSON AND KENNARD XXXX XXXX XXXX XXXX California XXXX XXXX I called Nelson and Kennard. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

Nelson and Kennard faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( Nelson & Kennard ) did to me has to be unlawful.
Product: Mortgage

I got today a new balance different as the last week this new company fraudulent charges are goin out of control shell point new mortgage company when XXXX transfer me to XXXX XXXX XXXX their balance increased by with out explanation but theirs their corrupted numbers when they gave me the loan modification the last one signed force by court or signed or get out of the house thats what my lawyers said at the time they says to the government that they help me to keep my house when in reality they where increased even more my loan with lawyers fees house watching services I live in my house and I never saw no one court fees a new loan 2 loan into one all this new charges where all the way to {$110000.00} plus that was the help I told my lawyers about not been agreed but the say that no choose im in XXXX an my income it is limited so I did have a choose I got family and I can afford to move and at the time I paid my own lawyer to screed me up but the told my lawyer they will be given me a new loan modification with in a year I needed to keep making my payments for a year so far I didn't but that why this is my second complaint with in a month with 2 different amounts I called the costumer services from shell point mortgage services and they claimed I owe them they dont know which mouth or where this charges comes from but I owed them 6 mouth I send them 6 month prove from my bank but so far nothing but a increased amount from XXXX to XXXX With new principal of XXXX XXXX when in my supposed loan modification isXXXX at this point Im making a complaint about a new mortgage company for the same issues they do increased mortgage so I can not afford to pay it and then rob or my real state my family house Since I got my loan modification and been charged {$110000.00} more on my new balances I was suppose to started I paid from 2015 mortgage every month with out missing any payment some times more or letter in a month but never missed any monthly payment since I got my loan modification which it was supposed to help me to stay home no to sell my mortgage and this new loan company to increases my balances again by the way my complaint are about the abused an corruption and fraudulent way to steal real state lies evil fraudulent ways
Product: Debt collection

" Credit Coll '' is collection agency reporting to my credit in error. The original creditor is XXXX. XXXX mistakenly entered the wrong information when I returned my equipment. XXXX then billed me for not returning my equipment but I had already did. Attached is proof of receipt that I returned all equipment. I even went into a comcast location and the representative owned up to the mistake that had happened. XXXX sold the debt to " Credit Coll ''. This is a complete error and violation. Delete this from my credit immediately.
Product: Checking or savings account

Received a text notification that looked like a BofA Fraud Alert. It asked to confirm a transaction for XXXX at XXXX # XXXX - Y or No Text came @ XXXX - I responded " no '' @ XXXX XXXX. They responded @ XXXX XXXX " Thanks for confirming we'll call shortly @ XXXX XXXX XXXX The text came from XXXX XXXX XXXX. Everything looked like an authentic BofA Fraud text. They called and BofA showed up on caller ID, they asked some Q 's to confirm my identity name & email address. Then they asked me about the transaction ( have I been to Texas or was I at the XXXX ). The rep told me I needed to secure the account to prevent fraud. He told me to login into bank app and go to XXXX. Asked me for an email not linked to my bank account. I gave the XXXX they then asked me to confirm the verification code sent to my email. I was at work on a break I used and the rep created a sense of urgency. The rep had me add my XXXX XXXX XXXX account to XXXX and told me to put my first and last name to confirm it. He told me to pt down {$3500.00} down and to write " XXXX transaction reverse '' They had me believing I was reversing a pending transaction. After it was done they asked me to hold and after about 5-10 minutes I was hung up.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not retrieve my credit report from Equifax, it always shows a reporting error. I have reached to equifax they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Mortgage

The servicing company Loancare XXXX, they NEVER call me back after having calls dropped and them not calling back and they never have a answer when i do talk to them, they always say that they will call back but never do and then i get a XXXX letter in the mail with no answer and the same thing i can see on my online profile.
Product: Debt collection

This message for XXXX XXXX and further steps will be taken if you do not respond to this call today. 
Call XXXX. 
calls at work and leaves messages daily and also my cell phone. 
Total debt collection scam. The term " person of interest '' is used in criminal investigations. This is just an attempt to scare you into paying them some money. Just because someone on the phone calling you says you owe a debt does not mean you actually owe it. 
If a voice on the telephone claims you owe a debt : XXXX ( Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act. ) Last known address : HIGH POINT ASSET INC XXXX XXXX XXXX XXXX, NEW YORK, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account resolution service, XXXX XXXX XXXX XXXX  are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX  and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX  phone all 3 credit reporting company 's login and passwords all taken off screen. Login will not work i have all 3 with a security freeze. Sense a year ago there should be no activity on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts DEPTEDXXXX XXXX  DEPTEDXXXX XXXXXXXX XXXX
Product: Mortgage

We want select portfolio services to show us they are the legal owner on our trust deed.We want select portfolio services to give us oringinal wet ink paperwork that they hold legal title on our home. Many servicers have transferred our loan over the last 13 years we have been done wrong on this loan.
Product: Debt collection

In XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an XXXX account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XXXX. The last one beingXX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe National Credit Adjusters has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. National Credit Adjusters has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. 
I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXXXXXX XXXX payment late. When the draft for XXXXXXXX XXXX payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX. However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a car through credit acceptance financial and XXXX months after I purchased the car the motor went out in the vehicle, leaving me without a car. I reached out to them explaining that the car will now need a motor and that they can come get the the car since they refused to assist with the motor replacement. Since then i have been XXXX  via phone and have taken a major hit on my credit because they are reporting inaccurate information. I would like this removed from my credit report immediately.
Product: Checking or savings account

To Whom It May Concern : I have repeatedly called Merrill Lynch to ask for funds out of my account and they continually keep telling me " 24-48hours '' and every time I ask them to call me back or keep me updated and they never respond. 

I do have two accounts with them ( XXXX is functioning properly ) however on the account in question, I transferred {$3000.00} on XXXX and as of writing this today XX/XX/21 they have still frozen/locked the money. 

What can I do? Please help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto ran my credit without my permission. I am attaching to this complaint a copy of my pre-approval letter from XXXX XXXX XXXX showing that I had already secured financing for my vehicle and had no reason to allow anyone to run my credit considering my credit union had already ran my credit for the pre-approval.
Product: Payday loan, title loan, or personal loan

In a desperate financial moment a few years ago I took out a {$3100.00} loan from NetCredit. For years I have been making timely payments. 

I've been going through a divorce for the past year, and was forced to change my checking account provider. I chose XXXX XXXX  - it's an online bank. My paychecks are directly deposited there twice per month. 

Since that time, NetCredit has annihilated my credit rating. It has tumbled some 100 points. I have spoken with associates every single month since then, and each time they tell me something different about why they can not take my payments. They have taken a few since I switched, but then sometimes don't and subsequently lower my score by 10-20 points. 

Also their notes, of course, never reflect the conversations I have with them. I finally opened a new account just to pay that one bill. It turns out they trashed my credit rating because their associates, including the collections manager, did not realize XXXX XXXX existed. 

This bit is beside the point, but also I still owe {$3400.00} after almost three years of timely {$160.00} payments - this is after borrowing {$3100.00}. 

Clearly NETCREDIT operates via some loophole in deficient consumer protections laws. 

They exploit consumers at their low points, charging them unimaginable amounts of interest, and then destroy their credit ratings if they switch to a bank they don't prefer. 

Just to clarify- I NEVER have attempted to pay NetCredit with a credit card. I have twice signed up for auto draft and they never seem to process it. I have at least XXXX times made phone payments that they do not complete for one reason or another. Finally - they don't even do me the dignity of notating my attempts to make payments or set them up. 

I feel NetCredit 's treatment of myself and probably many others is completely unethical and should not be allowed in the United States of America. NetCredit 's parent company, by the way, is operated by Americans, but they operate out of XXXX. It's very obvious why they would be based there - the practices of NetCredit are inconsistent with the values of the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Bankruptcy Court Date Filed XX/XX/2011 Chapter XXXX bankruptcy discharged Reference XXXX
Product: Credit card

On XX/XX/2024 I received a notification on my phone regarding a pending charge that I did not make ( {$730.00} transaction from XXXX * XXXX on XX/XX/2024 at XXXX XXXX. ). I contacted Apple Card Support ( Goldman Sachs Bank ) that same day and told them I did not make the charge. The bank opened a dispute, cancelled my card number, and issued a new card number. 
The following week I received a box of low value items I did not order from XXXX XXXX. I immediately called them and was told there was a fraudulent account set up in my name and not to return the items. I appears that I am a victim of what is commonly known as a package redirection scam. I estimate the value of the items I received to be less than {$10.00}. I have no idea where the other {$700.00} plus dollars of value went. I have been told by XXXX twice that the charges were fraudulent however I was also told that they couldn't put that in writing or provide any written documentation due to Company policy. 
I have been through several dispute cycles with Goldman Sachs Bank. They did provide some documentation which showed order details that were not my phone number, email, and not even my name. They keep denying the dispute because something was delivered to my house and say that I need to provide evidence that items were shipped elsewhere. This is impossible because I DID NOT ORDER anything and XXXX won't provide me with any additional information. 
The most egregious aspect of this entire situation is that I contacted Goldman Sachs Bank on the same day the pending charge appeared in my account. They could have stopped the transaction at that time but chose to let the charge go through and then try to force me to pay for it. I should not be responsible for any of this because it was an unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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: Credit card or prepaid card

I disputed 4 fraudulent transactions which totalled {$22.00}. Only two transactions were addressed and those two were refunded for {$10.00} total, and then blackhawk closed my case and has been ignoring any additional messages asking about the other two fraudulent transactions which total {$12.00}.

These are the 4 transactions that I disputed months ago. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$4.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD I submitted all requested documentation via both fax and email and was told all four would be refunded yet again, I've not received the last {$12.00} owed to me.
Product: Credit reporting or other personal consumer reports

I requested that I only have one Name One Address and one phone number, remove the other 25 addresses other five Names and other phone numbers. And any other inaccurate information I disputed years ago and still on my report. They refused to remove information and inaccuracy. 
My true name and address : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXX ( XXXX ) XXXX