23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am working with a debt collection company XXXX XXXX, we are settling a debt with XXXX XXXX. They turned the debt over to Blitt and Gaines P.C. and they have been unresponsive to any sort of calls or offers to pay the debt monthly or settle the debt. They are bullying me and anytime I call they harass me and talk to me as theyre going to seize my assets, sue me and garnish my wages. Theyve sued me civilly already and are currently garnishing my wages, all without any notice or options to pay the debt in a timely or helpful manner. I am unable to pay the large lump sum of 100 % of the debt they are requiring to satisfy the debt that Im sure they did not acquire the debt for. Theyve also been holding onto this debt for so long and making it accrue interest! Were trying to pay this debt but theyre being unreasonable yet theyre continuing to make the total amount due higher and higher! I have multiple debts in consolidation they are 1 of 2 that refuses to settle, but the only one that is being aggressive and a bully while not allowing any movement! Their tactics are horrible and unfair and definitely bullying. Me and my family are struggling now with making payments on our current bills and paying debt consolidation monthly, were stretched extremely thin with my wife just starting to get back to work somewhat. They never took that as a factor the last 2 years during this pandemic
Product: Debt collection

Calling 3x a day to collect the monthly car loan. Calling 3x a day even when I am with the ten day grace period. I pay the bill every month at the same time but the calls are 3x a day even after asking them to stop.
Product: Credit reporting or other personal consumer reports

this account that is on my Equifax report is a result of id theft
Product: Credit reporting

Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX to XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports As a Physician Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I came to this country all by myself years ago, because I really wanted to get an education. XXXX College was one of the few colleges that would accept me without a XXXX. 

They lied to me in so many ways, they told me I would be able to transfer my credits to any accredited college ( I knew I did n't want to stay in AZ ), quoted me a much lower tuition ( than what it ended up costing me ), promised to help find me a good job after graduation. 

I was working full time, and part time on weekends, plus going full time to college. 
And still I graduated as the XXXX of my class, such was my drive. Imagine my disappointment when all the jobs I was looking at started at {$7.00} and hour and even lower, some of these were recommended from the college to me. I could not survive on that and had to work in another field. Then when I tried to go back to school to further myself, I found out that my credits would not transfer, I was VERY disappointed and it really ended my dream of getting a master or more. I simply can not afford to take on more student loans. What added so much more stress to my life was that I had a co-signor and I was promised at the time I signed for the loans that if I pay 24 consecutive payments my co-signor would be removed, that never happened, I tried everything even paid an entire year ahead in full, still they would not remove her. This has put so much XXXX on my friend and our relationship. This school was a fraud from beginning to end.
Product: Credit card

My credit card balance increased by {$1400.00} even though I had only spent {$550.00}, in processed transactions to date, during this billing period. 

We also made over {$1000.00} worth of credit card payments. 

So how did my balance increase by {$1400.00} when I did not even spend that much? 

The only fee charged during this cycle was reversed. 

I am concerned that this may have happened more times than I have realized, and I would like for it to be investigated.
Product: Credit card or prepaid card

Someone has registered with the State of California, unknown to me to receive unemployment benefits. I do not live or work in California, I have no real reason to have been registered with them. I have only been made aware of this because I have received letters from EDD and BOA with information regarding the benefits of the account. No prepaid card was sent to my home. I called the BOA to make them aware of this error and they advised me to reach out to California EDD. I tried to reach out to them by phone, ( which is impossible ) and through through their online portal. I have not received any follow up correspondence from the department, and I feel uneasy making the complaint without support. I would never want to take money from anyone who needed it more than I do. Please if you can, help me to make this right, or point me in the right direction. I do not want to be irresponsible about benefits that I did not request and someone else is hurting.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit reports from the credit bureaus due to the recent identity theft issue, I discovered that there was one hard inquiry from BMW Financial services on XX/XX/2023. 
Someone stole my identity and purchased a car from an dealer with fraudulent transactions on XX/XX/2023 and the hard inquiry on XX/XX/XXXX XXXX be related to this fraudulent deal. 

I contacted BMW Financial services for the details on XXXX XXXX & XXXX for XX/XX/XXXX hard inquiry but the fraud department was not reachable. 

I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX XXXX XXXX  Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

The hard inquiry submitted on XX/XX/2023 is clearly fraudulent which I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account shows {$130.00} being owed and its only {$100.00} therefore shouldn't be showing up on my credit report. 
I attempted to resolve this with XXXX XXXX but they refused to cooperate with me and any resolution to the issue.
Product: Debt collection

XXXX XXXX DIRECTED XXXX AND ALL BUREAUS TO REMOVE THIS ACCOUNT.NOW MIDLAND TRIES TO COLLECT FOR THIS ACCOUNT AND CHANGES ACCOUNT NUMBERS WITHOUT IDENTIFYING ORIGINAL CREDITOR XXXX XXXX.XXXX DOESN'T READ THE PROOF OF THE Above that is handed to them and verifies over and over and refuses to allow a dispute today aiding and abetting their subscriber midland. 
see evidence for account nos phone numbetrs and proof of the above.
Product: Credit card or prepaid card

Dear All, My name is XXXX XXXX, and I'm writing to complain against GAP Credit Card services regarding the reward program change since XX/XX/XXXX I have several unused reward coupons expired in XXXX and XXXX, I first called Gap credit card customer service # XXXX on XX/XX/XXXX, and was redirected to GAP Good Rewards, the new service. Unfortunately, GAP Good Rewards doesn't handle the old coupons before XX/XX/XXXX, and I requested a 3 way phone call with Gap credit card. The gentleman from Gap credit card was very nice and helped me processed the reissuance of the expired coupons ( total amount is about {$120.00} ) Today, I called GAP credit card again for another unused coupon of {$15.00} expired on XX/XX/XXXX ( they only process the reissue AFTER the expiration date ). I was shockingly told by the Supervisor XXXX and the Manager XXXX ( Employment ID # XXXX ) that they no longer handle the reward program after XX/XX/XXXX, and the already processed coupons on XX/XX/XXXX were denied. Gap Credit Card is completely out of the reward program after the sudden transition on XX/XX/XXXX. I was requesting the new policy documents about the expired coupons, but was rudely rejected by the XXXX. As a result, I lost all my benefit by using GAP credit card for all my daily purchases. 

The fact is GAP credit card service has been helping customers like me to have expired coupon reissued for decades until they switch this service to GAP Good Rewards on XX/XX/XXXX. The worst part is they never disclose the expired coupons will NOT be reissued as usual due to this transition, which obviously damaged the customers ' right and benefit. 

I was asking for a copy of the reward coupon policy from manager twice on the phone, but again was rudely denied by saying she has nowhere to dig out that document for me. 

I'm attaching the scanned copies of the GAP Good Rewards flyer, which has no any words on current and expired rewards coupons. 

It's extremely frustrating and disappointed to experience the terrible services from Gap Credit Card management. 

By the way, GAP has shut down several stores close to me since Covid-19, which made the indoor shopping extremely difficult, and they even don't care about the consequences. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have encountered ongoing difficulties accessing my free annual credit report through TransUnions website and mobile application. Additionally, I have been unable to file disputes through their online platform, a right protected under federal law. Despite multiple attempts to log in and resolve this issue, I continue to be denied access. 

Key Issues : Login Attempts : I have made numerous attempts to log in using my credentials, but I am consistently met with error messages that prevent me from accessing my account. 
Customer Support : I have reached out to TransUnions customer service on multiple occasions. However, I have not received a solution. [ List dates, times, and representative names, if available. ] Dispute Functionality Blocked : Beyond the login issue, I am also unable to submit disputes online, infringing on my right to challenge inaccuracies on my credit report.

Potential Violations of Consumer Protection Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : TransUnion is impeding my legal right to obtain my free annual credit report ( 15 U.S.C. 1681g ) and to dispute any inaccuracies on my report ( 15 U.S.C. 1681i ). By blocking my access, they fail to uphold the requirement for reasonable measures to maintain report accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : TransUnions refusal to provide me with accessible credit report information and dispute options may constitute an unfair, deceptive, or abusive act ( 12 U.S.C. 5531 ), contravening the protections established under CFPA. 
XXXX. Federal Trade Commission XXXX ( FTC XXXX ) : By restricting access to my credit report and preventing me from filing disputes, XXXX actions XXXX fall under unfair or deceptive practices, which are prohibited by the FTC XXXX ( XXXX U.S.C. XXXX ). 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXt : These practices could violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) by unjustly limiting my ability to access and manage my credit information. 
XXXX. Electronic Signatures in Global and National XXXX XXXX ( XXXX XXXX ) : TransUnion XXXX be violating the E-Sign Act ( XXXX U.S.C. XXXX ) by offering electronic access to credit reports and disputes without ensuring they are accessible. 
XXXX. Equal Credit Opportunity Act ( ECOA ) : By obstructing my access to my credit report and the ability to dispute errors, TransUnion could be affecting my credit history access, a potential violation of ECOA ( XXXX U.S.C. XXXX ). 
XXXX. Fair and Accurate Credit Transactions Act ( XXXX ) : TransUnions actions XXXX infringe upon my rights under FACTA ( XXXX U.S.C. XXXX ), limiting my ability to monitor for identity theft and safeguard my credit. 

Please address these issues promptly, as my access to accurate and complete credit information is critical for managing and protecting my credit health.
Product: Credit reporting or other personal consumer reports

After filing an identity theft report with the FTC and disputing an account with experian for the company to block this erroneous information. No updates were received. I reached out to the CFPB via complaint ID XXXX XX/XX/2023 asking for help with blocking an account federal law 15 U.S. Code 1681c-2 stated applies to my situation. Experian not only disregarding my dispute but also the CFPB complaint i made. I filed another complaint through the cfpb, complaint ID XXXX with more clear and concise instructions on the the block that needed to occur by law within 4 business days and experian removed the XXXX trade line on XX/XX/2023. On XX/XX/2023 experian reinstated the XXXX tradeline on my report not only violating the block i requested but also violating federal law 15 U.S. Code 1681i ( 2 ), i did not receive any written notification within the XXXX days the law allows for accounts to be reinstated on my credit report.
Product: Debt collection

I bought a phone from XXXX. The contract states if I return phone within 3 days then I will not be responsible for any fees whatsoever, talked to XXXX 8 to 10 times each of which I was told I did not owe anything and my 50 dollar deposit would be returned. Never received deposit back and they have been illegally reporting this as I returned phone within 3 days and have proof of return by XXXX receipt mailed back within 3 days.
Product: Credit reporting or other personal consumer reports

Ive sent in request 8 times now to dispute everything on my clarity service report. I get some random generic letters in the mail missing all the information that the say that theyve disclosed and its like they dont want to dispute anything or do their job. XXXX XXXX report contains an accurate information, wrongly place/fraudulent inquiries bankruptcy that shouldnt be on there, and accounts that are more than seven years old and beyond the statute of limitations, I am being ran around in circles and its very frustrating and I feel like my rights to dispute in accurate information as a consumer are being violated. I need this situation taken seriously and all items on the report be disputed under the fair credit, reporting act, and all the wrong information deleted, and my report updated and a copy mailed to me.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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: Debt collection

Daily multiple calls to my personal and work numbers regarding serving me legal documents I have told them not to call me at work. I have sent a cease and desist letter to the company name they provided however they continue to call. Today XX/XX/XXXX @ XXXX XXXX they called my work number and gave personal information out to my coworkers. I have repeatedly requested them to provide a debt validation letter and have yet to receive anything. I do not even believe this is a legitimate debt or company calling.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

2nd CFPB Claim : To whom it may concern : I have tried to close my loan via short sale. I continue to submit offers to US Bank Corp, however, HUD and US Bank continue to deny it because the appraisal that was submitted is much higher than what the homes are selling for in my neighborhood. 

I have submitted a reasonable offer for which they continue to reject it. The difference in the amount they are willing to approve is only {$2000.00}. They misquoted the sale price for the surrounding homes by over {$5000.00}. My deadline is XX/XX/2019, to submit an approved offer, which then either forces me to foreclose on my home and/or have to submit for a deed in lieu. I don't understand the logic behind this or if it is categorized as a deceptive business practice under the law and subject to fines and penalties whether done intentionally or unintentionally. 

As you know, I have been working on this file for several months and truly need the CFPB assistance. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got defeated last year trying to resolve the credit agencies reporting accounts that have caused me great stress. I am trying to buy a home in the next year and my credit report has accounts listed that I do not give my permission to have reported. Equifax continues to violate my privacy and my rights as a consumer
Product: Payday loan

Was contacted by Cans Central of Tennessee, LLC address XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX phoone XXXX saying that I owed them money on a payday loan. I have never applied for a payday loan and do not have any idea who they are or where they are. They would not provide me an ip address or any other information and all they had was my name address and home phone number. They asked me for the last XXXX digits of my social to verify but they did not tell me the number they had. I called them back and they sent me a letter telling me how to dispute the charges. I have never made the charges why do I need to defend something they cant prove I did because I did not make this loan and they cant tell me where they even sent the money supposedly borrowed. I contacted my attorney and he told me to make a complaint here and he is going to send them a letter.
Product: Money transfer, virtual currency, or money service

I executed an ACH transaction from my saving account at Chase Bank to my checking account at XXXX XXXX XXXX XXXX in the amount of {$1800.00}. The wrong XXXX  Checking account number was entered. Funds were not transferred or reversed. Both banks claim the funds are not with them. See attachments for timeline and more details
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. PLEASE REMOVE THIS ACCOUNTS 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