23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Beginning of XXXX of XXXX  I called to see what my options were to paying off my debt for a credit card I have through XXXX. 

The representative for the hardship department enrolled me into a program to pay off my debt in a matter of XXXX years with a low no interest month to month payment of around XXXX dollars or more. 
But the catch was I had to give them around XXXX dollars up front and Id be enrolled. 
The issue is they set up the automatic payments and never enrolled me. They tricked me. 
So I was making payments that were being charged for below the minimum plus interest etc. 
I caught wind of it after the XXXX month and called them in the beginning of XXXX to sort this out. I was told the representative just didnt enroll me despite making notes about it on my file. I was told over and over again there was nothing that could be done and the only way of fixing this was to give them XXXX XXXX dollars up front or so. 

They misled me into a deeper hole of debt and I am truly trapped. I dont make enough and am already paying off other debts. 
Surely this is unfair and bad practice. 
For years now this debt eats away at any other payments I make. I lost my job and recently got a new one that doesnt pay that great. Ive been struggling to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put a credit inquiry on my report on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it wouldn't be removed. I did not authorize these inquiries and I would like them removed from my report.
Product: Credit reporting or other personal consumer reports

I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges.

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

"  XXXX  '',  ( along with  XXXX  & Experian ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my   XXXX    Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX  ( which Ive never even heard of ) to OLD ACCOUNTS that were discharged in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on   XXXX   XXXX   UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to 10 's of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that,  XXXX  NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.
Product: Credit card or prepaid card

I applied two amex credit cards ( delta Golden and platimun  ) from last XXXX. After three months they denied the welcome bonus for me because i am ineligible. However i didnt see any notifications when i applied. Just want to tell people be careful in the future.
Product: Credit card

My complaint is with the PayPal Credit offering ( formerly known as Bill Me Later ). Earlier this summer, I apparently accidentally signed up for this " line of credit '' after trying to pay with my usual credit card on my PayPal account. When I was paying, they asked for my birthday and last four digits of my social ( which I just assumed were generic security questions websites use to verify identity ) -- but apparently they were asking because I did n't realize the option for " PayPal Credit '' was n't just my credit card. They then took all my other info they had saved to make a hard credit request which dinged my credit score - apparently this is what happened anyway. This is what PayPal explained to me afterwards. I only knew I opened the account after being contacted XXXX. When I called PayPal and said I did n't authorize opening this account, PayPal first told me to file XXXX with PayPal, then PayPal told me to send a written request which they forwarded to XXXX and it was rejected. 

By the time I spoke with someone from PayPal again, they ( finally ) basically explained that they have an option on their website when paying to use " PayPal Credit '' instead of " PayPal '' which I apparently selected on my account. I said this is evidently not clear. I actually asked how this was permissible -- I never signed anything saying they were allowed to do this check or given other info to them. They said they had my electronic signature " stored '' elsewhere as part of my account and that they used that to authorize the line of credit. So by just filling in my date of birth and last XXXX digits of my social security during checkout ( which I assumed was a security check ), they took all my other info and used it to authorize the account. I closed the account, but my biggest issue is that this actually went against my credit report as a credit inquiry which will stay on there for two years. Personally, I consider this intentionally ambiguous website design to trick customers into signing up for the line of credit.
Product: Debt collection

CEASE and DESIST- Hello and thank you for confirming that XXXX XXXX XXXX XXXX PMT XXXX, LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including XXXX XXXX XXXX XXXX  PMT XXXX, LLC . Since XXXX XXXX XXXX XXXX PMT XXXX, LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. XXXX XXXX XXXX XXXX PMT SOLUTIONS , LLC as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX XXXX XXXX XXXX XXXX  ( {$5000.00} ) by Law !
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureau to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 
I received the investigation results as verified and six XXXX XXXX XXXX accounts remain the same. The consumer agency TransUnion did not do a complete investigation to verify the information as 100 % accurate. 
I am entitled to an 100 % accurate credit report. How is it that XXXX and XXXX was not able to verify the information and deleted the six negative XXXX XXXX XXXX accounts from my credit report but TransUnion could verify. 
I have enclosed documentation proving multiple violations. All reported information regarding XXXX XXXX XXXX accounts are inaccurate on my TransUnion credit profile which is a violation of the Far Credit Reporting Act. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. TransUnion is violating my rights by not doing a complete investigation. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are XXXX XXXX XXXX accounts inaccurately reporting on my credit report. I have sent multiple letters showing the inaccuracies along with my permissable purpose letter of the abuse that the credit agencies are committing, by harming my reputation. The following accounts need to be removed from my credit report or I will take legal action. 

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

CAPITAL ONE BANK USA had a credit card open with out my knowledge. I have disputed multiple times with XXXX, XXXX  and XXXX, all times said verify, i ask multiple for the to provide proof of ownership and they never send me any proof. 
. 

Account has number XXXX Open XX/XX/2017Last paid closed XX/XX/2020
Product: Checking or savings account

XXXXXXXX XXXX has denied my checking account with no documentation or information as to why. I've made over a dozen attempts to open an account with XXXXXXXX XXXX, utilizing their XXXX checking product. I've simply been told that " verification failed. '' I made it clear to their representatives that I am willing to provide verifying information to them, in the format needed. However, all of my attempts have been ignored.
Product: Mortgage

VA Assumed Mortgage We assumed the mortgage XX/XX/XXXX and had no issues with our online access, managing our information, or making payments. 
XX/XX/XXXX Freedom Mortgage took away our online account access telling us they can not properly secure our information online due to our loan be an assumption. 
We need online access to verify our account information. During our time with Freedom Mortgage, they have mailed our private information to the previous home owners without our consent. This included all of our financial information, XXXX 's, XXXX 's, back account information, everything we used to apply for the loan assumption. They have accused us being negative {$12000.00} in our escrow when it was current. Our home owners insurance information has been lost and they attempted to force a separate company on us at an absurd rate. We have been accused of being two months behind on our mortgage when we have been always remained ahead on our payments. Most bothersome, is they reported inaccurate information to the credit bureaus. 
All of these issues, except for the online access has been corrected, however, it took getting the State of Texas involved to do so. As of today, they have no answer for the online access being restored for our account. We need this access to allow us to keep up with our mortgage information. With some many errors in the past it is needed to catch an error before they really do financial harm that can not be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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.

Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Mortgage

I took out a loan with XXXX to purchase a home in XXXX. With XXXX XXXXXXXX XXXX for XXXX I submitted all necessary paperwork to XXXX lowered my interest rate to 4.0 % from 6.625 % on XX/XX/year>. I made the mortgage payment at 4.0 %, then XXXX sold my loan to Freedom Mortgage on XX/XX/year>. Since being with Freedom Mortgage they changed the interest rate back to 6.625 %. My concern is how can they buy a loan at 4.0 % and change the rate.
Product: Mortgage

this complaint is about chase bank confiscating my excess escrow payments during XXXX while not properly accounting for those payments from me and payments made from my escrow account during the period XXXX thru XXXX that violates the cfpb consumer protection regulations and the federal law known Mortgage escrow accounting act. this act allows for chase to provide an auditable escrow statement at least once a year that can be verified by the same information that appears on a mortgage statement. 
in my case chase has been making false charges to my escrow account that include a transaction known as escrow advance recovery of {$370.00} a month for the last two years. meanwhile I am paying at least a XXXX dollars higher escrow payments than is paid out for insurance and property taxes. 

if we look at this practice for chase XXXX XXXX mortgage loans being serviced by XXXX in XXXX ohio the figure amounts to over a $ XXXX dollars a year that is not accounted for or as in my case may not being retured to the homeowner and mortgagor. 

chase has continue to stonewall me on this issue and I have received documents from XXXX that show these discrepancies in detail that indicate that chase uses two sets of books to service mortgages. one set for financial reporting and one using allegedly the XXXX platform on a desktop pc. the XXXX systems are not compatible and put out false information. chase sent me a escrow refund check when I refinanced my home at the end of XXXX for {$880.00}. 
I paid into escrow almost {$4000.00} for the year and chase paid out almost {$3800.00} that means the check that check was almost {$8000.00} short from previous years where chase was charging me higher escrow payments. their computers showed I was five payments ahead in my mortgaeg that was paid to emc mortgage during a mortgage modifcaton that included escrow paymens in excess of {$9000.00} all of those payments and escrow funds disappeared and were not credited to my new mortgage with chase. the old account number was XXXX and the new account number upon transfer to chase from their subsidiary XXXX in XXXX the point here is that chase appears to be putting all these moneys into their pockets and not paying federal income tax on this undeclared income. I have objected of these chase mortgage servicing practices to XXXX and the head of chase banking XXXX XXXX and his replacement since his removal form that position. chase continues to stonewall me on this and use these methods to manufacture defaults by raising mortgage payments while putting escrow funds into their pockets allegedly. i demand as a j p morgan stockholder a complete accounting of my mortgages with chase including the second trust from the past and audit of XXXX about their alleged fraudulent mortgage servicing practices.
Product: Debt collection

I have received repeated phone calls from midland credit management while being at work also at home during a time of prayer, midland credit management have threatened to sue and bring defamation towards my character. 

I have not given consent to midland credit management to have my non public personal information. 

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to Midland Credit Management, Midland Credit Management may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer. ( SEE ATTACHMENT )
Product: Debt collection

I cant afford to pay back all of the debt at once. They call me EVERY SINGLE DAY! I tried to deposit cash into their atm to pay back {$100.00} & it said it would not accept cash at this time. I have tried twice now. Which I am sure they have record and surveillance of. They will not stop contacting me its basically harassment at this point I have screenshots of missed calls and also voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX & Experian are are responsible for the following violations for reporting late payments to the accounts below. 


XXXX XXXX Currently on-time 2 Missed XXXX XXXX XXXX  Currently on-time 1 Missed XXXX XXXXXXXX Currently on-time 1 Missed 1681b - Permissible purpose of consumer reports : ( a ) IN GENERAL Subject to subsection { c } any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my report? Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. XXXX reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to XXXX but transition and XXXX blocked the fraudulent items and didn't reinsert them. 
XXXX is violating the fcra.
Product: Credit reporting

I filed a dispute with Chexsystems over a month and a half ago. I have been expecting to hear from them or receive a letter regarding my dispute. I have n't received anything from them. I just got off the phone with them and they said that there is no record of my disputes at all, which is a lie. I sent them the disputes via certified mail. They have information on my report that does n't belong to me at all. I want the information removed due to the fact that they have blatantly disregarded my dispute and ignored it like it was going to go away. I have attached the final letter that I mailed to them today. They have 30 days to remove the items off of my report or I will take them to court.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, someone sent me {$300.00} through XXXX, and Chase Bank told me that the bank had lost my registration information during their system maintenance. They sent the transfer back to the sender, and told me to contact the sender about it. The sender CAN NOT be contacted. I have pictures with the send information, and the transaction number on them. It was the bank 's mistake, and I need them to cover this transaction.
Product: Credit reporting or other personal consumer reports

This account is reporting to my credit as a charge off, but I never received a 1099C for from them. According to the IRS a 1099C has to be given to any person for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity and according to the fcra code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This charge off has been reporting inaccurately on my credit report since XX/XX/year>, since then it has been reporting as " paid, closed. {$16.00}, XXXX written off ''.
Product: Debt collection

I received a letter in the mail for an incorrect address and the not very nice guy named XXXX decided to degrade me and be little me because i told him this debt that they are charging me for with an incorrect address is not my address where i lived he said i have debt with this company. I tried to tell him i have never lived at this address they sent me and he said yes i did i have the lease he decided to tell me when i can bee nice he will talk to me and hung up on me very rude disrespectful does not have customer service. Tried to call back multiple times to get a supervisor other then him wouldn't transfer me and kept hanging up on me when i would call don't try to charge me for debt that i never lived at this address you sent me on this paper