23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am behind on my bill less than 30 days, and they have called me at work several times. I have specified that I can not receive personal calls at work. I called on XX/XX/20 and spoke with XXXX and made a payment and told her to not call me at work any more. Now a XXXX is calling me and says their are no notes in her system to not call me at work with a very sarcastic tone. I was told again by my boss that I can not receive calls at work, and now my job is on the line.
Product: Mortgage

In XXXX of 2024 we were in default with our mortgage company and XXXX XXXX contacted me and said they could help. They said it would cost XXXX and they would need it up front before they could do any work on this so we paid XXXX for 5 month which I am now informed that this is illegal and they were not allowed to ask for payment upfront. After we finished paying them then they start on the modification for which I was only informed that the bank did not accept our application until last Tuesday and now our house is in foreclosure and has a sell date of XX/XX/XXXX. We have been trying to get a hold of them but they will not return my phone calls or my text. They did send our file to an attorney they work with who is now going to charge us XXXX for their services. Can you help us with this?
Product: Debt collection

On XXXX, I recieved a summons for a lawsuit in regards to a debt that I had asked XXXX XXXX XXXX to verify initially, I had not recieved that initial information.

The money that is believed to be owed was initially from First Security bank of bozeman.

Other information to note : Under federal law, under the general provisions of Gram Beach lilley act, banks are not authorized to disclose information to non affiliated companies, or must disclose what information is shared with companies. First Security Bank states on their website that they do not share with non affiliates. Therefore it is reasonably presumed that this company had obtained personally identifiable information protected under GBLA and financial privacy act of 1999, and the debt collector should not have been authorized to recieve that information because it is protected under federal law and the provisions set forth under federal law. Under FDCPA, XXXX XXXX XXXX must warn before attempting to sue, this can be found under 15 USC 1692 para 3. There was a current cease and desist that was not written in disclosure, but stated verbally. That does not invalidate the need to establish the invoking of legal remedies set forth in federal law under FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is impacted by the equifax data breach.
Product: Money transfer, virtual currency, or money service

paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal frequently. my email linked to my paypal is XXXX but i cant change it to my new email to see anything they sent me ethier
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX XXXX  Inquiry : XX/XX/2022. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

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

XXXX XXXX XXXX XXXX is reporting two items on my XXXX credit report. {$100.00} and {$100.00} respectively. I made these two payments in full XX/XX/2018. As of today, XX/XX/2018, it remains " OPEN '' and " PLACED FOR COLLECTION ''. I had paid two other collection companies on the same day and those have been updated/removed from my credit report already. This delay is unacceptable. I can provide evidence of these two charges having been paid via credit card billing statement. The company is NOT taking any effort to provide resolution or escalation to correct the credit report. They continue to tell me " check next month '' and " kick the can down the road '' which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account owned by JPMCB CARD, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from XXXX and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
Product: Credit reporting or other personal consumer reports

Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Equafix fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved.
Product: Student loan

I received an XXXX XXXX in XX/XX/XXXX in XXXX at XXXX. After graduating from college my loans were sold to XXXX/FedLoans and consolidated. Instead of closing out the loans that I owed and then making it so I owed the consolidated amount only, my loans are now doubled and showing as over $ XXXX. I understand interest ( I have been in deferment and my interest is over $ XXXX ) but this does n't make any sense. The average graduate student owes about $ XXXX for their fedloans, I have an XXXX After doing some research, I saw there may have been a so called " payment '' made on XX/XX/XXXX of XXXX ( consolidation loan amount ), I never received this loan payment. I have reached out via email over XXXX times over the years to FedLoan Servicing and XXXX to have my file looked at, I have received nothing in response. I also called and the representative on the phone did n't even understand how I could owe so much, and supposedly sent a ticket and I have never heard anything back. I really need someone to help me out here, as I am sure I owe half of what is showing ... unless someone out there was given a degree that now I am not able to afford to get because of the status of my federal loans. 

Thank you in advance for your help in this matter.
Product: Vehicle loan or lease

I leased a vehicle from Chrysler Capital in XXXX. My lease was scheduled to expire at the end of XXXX. I did terminate my lease agreement approximately five months early since Chrysler Capital would not let me purchase the vehicle. When I returned the car, I was expressed by the dealership that I would receive paperwork in the mail of what my XXXX total would be to Chrysler Capital. Unfortunately, still to this day, I have never received the final bill. I have contacted Chrysler on numerous occasions by phone and by mail to attempt to retrieve my final balance. Chrysler Capital reported it positively on my credit report for many years, even though I did not make a payment past XXXX. I hired a third-party legal team to attempt to contact Chrysler Capital XXXX I believe that since I hired a third party, Chrysler Capital decided to reverse the information they were giving to the three credit bureaus and report negatively and then turned it into a collections account within two weeks. XXXX XXXX and I have made numerous attempts to contact Chrysler Capital to rectify the situation and pay the balance. They have chosen not to reach out to me ; they have never given me a final bill. They've never even given me the estimate of what the car was sold for after turning it in. I received a notice from Chrysler Capital stating that they added a {$420.00} charge to a closed account. There is no further explanation in the letter. Just for merit, they are charging me {$420.00}. I don't know what else to do, but this company thus far has made it extremely difficult to have any future ties or business dealings with them. I am hoping by shedding light on the situation, and somebody could bring clarity to a stressful situation I have all documentation for everything stated in this statement.
Product: Mortgage

I have a signed Loan Estimate disclosure document with XXXX XXXX XXXX XXXX, XXXX confirming my rate lock contract at 3.875 % is good through XX/XX/2022. 

Today, XX/XX/XXXX, they have issued an email to my broker saying they will no longer honor this rate and all rates for this loan product are now at 4.75 % Lock Desk XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX How this is even ethical is beyond me. If this is allowed, it takes away all confidence any consumer has with a rate lock. Allowing a lender at their own discretion to ignore any contracted rate locks can detrimentally hurt all consumers financially along with taking away the faith that these rate locks are meant to represent.
Product: Credit reporting or other personal consumer reports

The XXXX credit score is old and not up to dateXXXX XXXX TransUnion is the same and Data Bleach just changed my score to XXXX, I can not work with that please help me I'm XXXX years old and need your help. 
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Product: Credit card or prepaid card

I received a Brinks prepaid card with my full name on it sent to my house. This is very alarming because when I went to call them you cant get a live representative to ask how this happened when I NEVER applied for this, it makes you activate this card and provide your social, so of course I hung up and the messed up part, is that there is FULL account information on the paper as well. Account and routing number with my name and address. This is ridiculous how this happened!
Product: Credit card or prepaid card

I contacted Neiman Marcus credit by Capital One about charges that are not valid and they refuse to do anything about them
Product: Credit card or prepaid card

I applied for the American Express Gold Delta SkyMiles credit card on or about XX/XX/XXXX. 

American Express led me to believe the company would award me XXXX airline miles ( Delta SkyMiles ) after making {$2000.00} in purchases within 90 days of activating the new card. 

I made over {$2000.00} in purchases within 90 days per the terms that were advertised to me by American Express.

The entire balance of my AMEX account statements were paid in full. All payments to AMEX were made on time. 

I did not receive and have not received the awarded airline miles American Express advertised. 

On Friday, XX/XX/XXXX( XXXX XXXX. Mountain time ) I spoke with one of their representatives by phone. She read me terms that made me seemingly ineligible for the award which was not apparent to me at any time when I applied for the card via American Express online https : //online.americanexpress.com. I told her American Express 's terms were misleading and that I was going to file a complaint. 
Prior to my phone call with the AMEX representative, at no time did American Express notify me that I was not eligible for the award of the XXXX airline miles. 

In the application process, I never received notice nor was I ever alerted by American Express that I was not eligible for the award of XXXX airline miles. 

The terms expressed by AMEX 's representative on the phone to me were never made clear to me at any point in time. 

Had I known, or been properly informed in the application process by American Express I would not qualify for the award of airline miles, I would not have submitted or withdrawn my application for the American Express Gold Delta SkyMiles credit card. 

I was never informed in the online application process by American Express that I was ineligible for award of the airline miles, thus I was never given a fair opportunity to judge whether I wanted the financial product or not. 

American Express should have made it clear to me when I was applying, or at some point in the application process, that I did not qualify for the award miles. 

To the best of my knowledge, the foregoing statements are true, accurate, and correct.
Product: Credit card

I am formally writing to express my profound distress and lodge a comprehensive complaint against the actions taken by your institution, Comenity, now known as XXXX XXXX. This letter outlines the severe and unwarranted damage caused to my financial standing and mental well-being as a result of your response to erroneous reporting by XXXX XXXX and the subsequent cascade of negative credit actions taken by other creditors based on this misinformation. 

For years, I have maintained an impeccable payment history with your institution, consistently paying on time, often exceeding the minimum payment, and frequently settling the full balance. Despite this history of financial responsibility, your institution reacted to a false report of a XXXX late payment by drastically reducing my available credit and closing my accounts, citing reasons such as 'close to limit ' and 'high usage. ' It is critical to understand that these cited reasons are not reflective of my financial management but are the direct result of other creditors reacting to the erroneous information from XXXX XXXX. 

The actions of cutting my Express credit card limit and closing my XXXX XXXX XXXX, XXXX, and XXXX accounts, among others, were not only premature but also lacked a fair and thorough investigation into the validity of the claims against my credit. This has led to an immediate and irrecoverable impact on my creditworthiness, with my FICO scores experiencing a substantial drop of over XXXX points, thereby shifting my credit standing from good to poor. 

This single incident, based on erroneous reporting, has effectively erased years of diligent financial management and will require a prolonged period to recuperate fully. The continuous cycle of credit limit reductions and account closures has trapped me in a state of financial and emotional despair. Each attempt to rectify the situation has been met with immediate closure or further credit limit reductions, maintaining an unsustainable level of over 95 % utilization. These actions were taken based on a domino effect initiated by the false reporting, not my actual credit behavior. 

The consequences of these actions extend beyond financial strain ; they have inflicted a significant toll on my mental health and the stability of my family. The inability to access equity in my home due to lingering negative marks on certain reports, inaccessible to me as a consumer, has further exacerbated my distress. My FICO mortgage score has plummeted into the XXXX, reflecting the severe and ongoing repercussions of this issue. 

I implore your institution to undertake a thorough review of the actions taken in response to the erroneous information provided by XXXX XXXX and the subsequent unjust decisions based on the cascading effects from other creditors. It is imperative that XXXX XXXX XXXX XXXX gravity of its actions and the profound impact they have had on my life. 

Your prompt attention to this matter is not only expected but necessary to begin rectifying the immense wrong that has been done. I trust that you will approach this complaint with the seriousness it warrants.
Product: Credit reporting or other personal consumer reports

I would like to have for yall to remove my closed discover account from my account please this is a negative item reporting on my credit. Section 604 15 u.s code 1681 B.

Section 605 A 15 u.s code 1681 C-1 Section 605 B 15 u.s code 1681 C-2.

If this account is not removed action will be taken place because yall are not abiding by the law please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which XXXX  XXXX XXXX claims such as " I owe {$420.00} '' or " my account was charged off {$420.00} '' This is a formal notice that your claim is disputed and in accurate and all monies claimed to be owed was debited from said account in 2020 yet has stayed on my report via chex systems preventing me from opening bank accounts for the past 2 years even though claim has been resolved since report date
Product: Checking or savings account

I lost my debit card XX/XX/XXXX of 2024, I was getting multiple unauthorized charges to my account up to XX/XX/XXXX. Once I finally realized my account has been compromised I filed a dispute but the bank denied my even though i provided a police report and honestly did not make these transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried contacting Transunion, XXXX XXXX XXXX  various times within the past year challenging the XXXX XXXX accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX 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 reporting, credit repair services, or other personal consumer reports

I wrote Transunion in XXXX certified mail & no action was taken I resent requesting this be rectified on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I purchase a puppy through a website on XX/XX/XXXX, sent the money through XXXX {$600.00} but never received the puppy. I have sent messages and emails to the company but no return from them. I XXXX  the company 's website for reviews to find out that the company is a fraud a scam. I called my bank and they told me that they are not responsive and I should call XXXX. I called XXXX many times but I was not able to talk to a customer service. I believe that the bank or XXXX should be responsive for allowing a scam company open an account with them. Shouldn't them be more careful and protect us, their customers?
Product: Debt collection

I never received any notice of debt. I disputed the inaccurate reported information and have asked to be provided with proof via receipt of certified mail proving that I agreed to pay this debt, including any and all documents with my signature. That information has not been provided and the collection is still reporting to my credit report. There are remarks from the dispute stating Meets requirement of the Fair Credit Reporting Act with no actual proof of the debt belonging to me or advising I agreed to pay this debt. If they can not prove that I owe this debt and send proof of my signature stating I agreed to pay them this debt, it is a violation of my rights and it should be removed from my credit report immediately.