23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I DID NOT SEE PROPER PRODUCT OR SERVICE TYPE WHICH APPLY TO MY CAUSE. 

1. XX/XX/XXXX my bankruptcy I filed for bankruptcy ( Chapter XXXX ) 2. While my bankruptcy had been in full effect, payments plans had been ordered by the Bankruptcy court/Trustee Office. 
3. I never miss a payment 4. XX/XX/XXXX, I received notice that PNC had filed a Motion to have my Chapter XXXX plan dismissed or discharged 5. I continue to pay my mortgage payments while the lawyer ( supposedly ) forth against the PNC proposed motion. 
6. I continue to make my mortgage payments. 
7. XX/XX/XXXX, I received letter in the mail that my bankruptcy was dismissed. 
8. PNC and trustee 's office mailed back to me my last payments 9. I learned from the Trustee 's office ( have voice recording as proof ) that there was a court date which would have addressed PNC ' Motion, but I was not made aware of it and neither my lawyer nor PNC lawyer showed up for that court date. 
10. Because no one showed up at court, my case was dismissed. 
11. XX/XX/XXXX, I received a letter from PNC that they received my letter to redeem my home and they would get back to me in about 15 days. 
12. XX/XX/XXXX, I was evicted from my home. 
13.XX/XX/XXXX, PNC Mortgage reversed my VERY active bankruptcy back to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The company has garnished my wages multiple times over the years they have collected over {$8000.00} and the balance has not moved. I have attempted to work with the company regarding my balance and they refuse to give me any information regarding how they came to my balance or why the money that is being garnished from my check is not impacting the balance at all. I am unable to verify the debt as the company refuses to give me any information and I was not made aware I owed the debt from the original creditor. If the original creditor had informed me that this debt was owed i would have made arrangements. I believe that the original finance company finances cars in hopes that people can not repay and they can collect in excess of the value of the car. I believe this because the original creditor refused to let me get current. I lost my job and fell behind on the car. When I called and tried to get current the original finance company told me my only option was repossession. I worked with them to pick the car up and I never heard from them again. The next thing I know I am being sued by XXXX XXXX on behalf of their client, XXXX XXXX ( the original creditor ).
Product: Debt collection

I got served with a lawsuit by a company named Velocity Investments , LLC about a loan that was taken out on XXXX XXXX. Unfortunately, I lost my DL a couple of days prior to the loan being taken out, I was in the middle of planning a wedding and didn't notice that until after the wedding. I never received any mail or emails regarding this loan otherwise I would have called the company and ask for a payment plan in order for me to pay it off.
Product: Mortgage

This is the third out of 4 states applied to as of this date that has denied XXXX XXXX XXXX ( XXXX XXXX ) licensure due to the fact that the State of Virginia has not reinstated her professional license. The personal bank of XXXX XXXX XXXX has provided proof that the check was cashed but the Commonwealth of Virginia is denying that they received funds and/or application. Further, there are documented concerns about those involuntary detainments surrounding property address XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX in XXXX XXXX, VA that XXXX XXXX XXXX is refusing to give up. 

There is evidence that an attorney reviewed documents contrary to the findings reported and that bill is attached and there is evidence that approximately 3-4 individuals representing the Commonwealth of Virginia Board of Nursing were not lawyers, not licensed and/or not nurses, etc.
Product: Credit reporting or other personal consumer reports

I asked the company to remove the reported late payment ( twice in XX/XX/year> ) as the phone system did not capture my payment which is not in the consumers control. I also provided medical documentation that I was critically ill with XXXX, and this was during the pandemic. When the company ignored and denied these XXXX requests asking for the late payment to be removed, I also asked for a good faith/one-time courtesy removal which was also denied. I also asked for the to update my inaccurate balance on my credit report ( twice in XX/XX/year> ) which they also ignored, never responding to me. 
According to US Code 1666 and US Code 1666 ( b ), I have the legal right to a fair and accurate credit report! This information should legally be removed yet the company ignores my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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: Debt collection

I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to XXXX.
Product: Credit card or prepaid card

This is the fifth attempt to resolve with Capital One the issue about my credit card account with them. They all of the sudden on XXXX limited my card and I couldn't use it at all also there are unauthorized charges on my card that I am unable to file because of this limitation. I send them the information they requested my SSN card, MN DL and SSN verification form. I had the account for several years and there asking for this information, very disrespectful. After I sent the documents they requested they asked for my bank statement for the account I made a payment from which I refused. Now I would like to have my account closed however I can't do that before I fill a claim on the unauthorized charges on my account. 

Capital One is being unhelpful in resolving this issue.
Product: Debt collection

I have been referred to collections over a misclassification of a medical debt and the collections company is still trying to collect the debt after I have let them know the circumstances of the debt and why this is not what I owe to the company. 

On XX/XX/XXXX my XXXX XXXX XXXX daughter XXXX XXXX ) was ordered mandatory ambulance transportation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX ). Due to dangerously low pulse oximeter readings she needed to be transported via ambulance so she could continue receiving oxygen during the trip. Following this trip XXXX was admitted to XXXX XXXX XXXX and she spent the night there on oxygen. 

Something happened in the medical billing that has resulted in my family being billed {$2500.00} for this trip. I am attaching the bill from XXXX XXXX that details we owe {$120.00} for this trip. I have called XXXX XXXX XXXX on XXXX separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) because we do not owe what they are asking for. During each call the representative has assured me that they are working to fix the issue and to please give them 'two weeks ' to fix the issue and issue a new bill. I have never received a corrected bill from them. 

I received a letter dated XXXX, XXXX, XXXX from a debt collection agency by the name of Credence asking for me to pay the full {$2500.00}. I responded to their letter and have been told 'We have investigated your dispute and verified the charges on your account are valid. '
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I was blocked in my driveway by a man and his tow truck. I asked the man to remove himself from the property but the man refused and threatened me saying " if you do not give up the vehicle then I will call the police and have you arrested '' the man called another man to the block an end to blocking the entire XXXX XXXX  access to the front of the of my house when the second man arrived he walked up to me and demanded I give him the key to my car I argued and both tow truck drivers grabbed my car key from my hand and I wrestled with them both for a only a second or two they told me to remove my belongings from the car or they would be forced to remove it at some point then after I removed my belongings the second tow truck driver said to me Sia in court I contacted the lender only for them to request the full amount of the auto loan title loan I had obtained in XXXX plus interest which was approximately {$3200.00} I was not able to come up with all of the {$3200.00} I haven't heard from the lender since the repossession of my car according to contract and federal consumer law all right it is applicable and lawful to inform a client or consumer income in contract about the sale of property the lender has never informed me of any information regarding the whereabouts of my car or the planning of the sale of my car or the amount that they sold my car for I am asking that I be confiscated in the amount of the loan the original loan amount of {$2500.00} for the loss of my vehicle the loss of my employment the grief of being uninformed of the sale of my car and I requested the tow truck tow company compensate me for mishandling my private agreement with the lender in the amount of {$6400.00} that cost the original cost of my car at the time of purchase .XXXX  XXXX the lender company is Advance America in XXXX California and the tow company is a private third party that the lender used to repossess the vehicle from me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Item I am asking you to verify as accurate : XXXX : XXXX  XXXX XXXX, Account **** XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXX : XXXX XXXX, Account XXXX TransUnion : XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX Account XXXX
Product: Debt collection

I sent a debt verification letter and they received it but they continue to call
Product: Credit reporting, credit repair services, or other personal consumer reports

According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XX/XX/2015 I need this 90 day removed from my credit history!
Product: Mortgage

Im am a XXXX XXXX XXXX XXXX  XXXX vet. I applied to have my mortgage payment changed due to being exempt from property taxes in The state of Texas. I have filed my XXXX with the State of Texas and have the approved exemption. My mortgage company Pennymac is still placing money in my escrow for Taxes. I called to have this fixed and they would only recognize a 50 percent exemption.
Product: Credit card or prepaid card

I received an offer in the mail from Citibank for their XXXX XXXX  XXXX. The ad said if you spend {$750.00}. In the first 3 months after receiving your card that you will get {$200.00}. In rewards. After 4 months and {$900.00}. Later I called and was told the offer was for {$200.00}. After spending {$1000.00}. I said no I have a screenshot of the ad and it clearly says {$750.00}. After going through a few others I finally got to speak to XXXX, who gave me dispute # XXXX and said the money would be in my rewards in 3-5 business days. When that didn't happen I called back and ended up texting and sending them my screenshot of the ad. In the end they said they were filing the dispute and I would here something in the mail, which I did, the next day. It also said my offer was for {$200.00}. After spending {$1000.00}. Unbelievable, after spending them the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent items on my credit report from ID theft. The accounts are XXXX, XXXX XXXX, XXXX XXXX. Ive sent the company official police reports of the debts. The company will not remove the debt. Experian is always saying that the police report they can not read. I have sent the reports over 12 times and they are unblocking the fraudulent items putting it back on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX has called me at least three times this week I told them that this is harassment and I was going to take action and wanted the calls to cease. They have never sent me an invoice or letter telling me of this debt.
Product: Checking or savings account

US Bank closed my Business Checking Account without any form of notification. They told me that I will receive a check for the funds in my account in 2 weeks. It has been over a month and I have called them multiple times. They keep telling me that the account is to be closed but there is no expiration date or close date. They also mentioned that I will not be able to get my funds from the account until they close the account. 

I have XXXX USD in the account which was deposited on XX/XX/XXXX. I told them that I urgently need the funds and they continue repeating the same words on the account being put on hold before closing. 

I came to know of my account being closed on XX/XX/XXXX and it has 27 days since then with no timeframe of when I get my funds released to me. 

They cancelled their relationship with me and have not released the funds.
Product: Credit reporting or other personal consumer reports

I want all those injuries off my credit report and score please
Product: Credit card or prepaid card

XX/XX/XXXX I called NetSpend to update my account and they didi logged in my account they let me withdraw XXXX $ then they closed my account told me to send documents I did 7 times they still closed my account and won't give me my remaining balance
Product: Credit card or prepaid card

Kohl 's Systematically makes it difficult for consumers to set up auto payment. 

They encourage late payments and delight in reporting negative information to the credit bureau. 

My credit report is fantastic except for Kohls who : 1. Deletes your auto pay when you pay the account off 2. Do not allow you to set up auto pay unless there is an outstanding balance 3. Do not attempt to contact you until they are already reporting you to the credit bureau 4. Assure you that by making the payment that you will not be reported negative and then deceive you.

Kohls has poor credit collection practices. 

Account balance was {$470.00} Minimum payment $ XXXX {$30.00} Kohls contacted me on day 31 to report that I was past due on the payment. Kohls assured me that it was not being reported to the credit bureaus and proceeded to collected the full balance. To my surprise, I look at my credit report and see that they indeed did report my account late just a few days after accepting the payment in full.

I frequently pay the card off in full. The auto-pay deactivates and then they call you on day 31 to report you didn't pay but only after they report you as 30 day past due on your credit. 

It is deceitful credit practice that can cause someone to lose 50 points on their credit score overnight.

I would like to file a formal complaint against their company and business practices. 

Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

Since I opened my account with synchrony bank last XXXX They had a clarical error on my last name and I was n't receiving any bill that was n't certified mail Since XXXX iv been asking them to change my last name so the post office would deliver my bill so I could rightfully pay the payments They have refused to I finally talked to someone today on XXXX Who would look in too it but at this point I 'm so frustrated that they could n't take care of it months ahead when I initially asked
Product: Credit reporting or other personal consumer reports

I have been a responsible credit user with Capital One for 24 months. Since, I have had an account, I have never missed or had a late payment. In addition, I pay more than the monthly required minimum. My XXXX score is currently a XXXX and I have XXXX debt. I am on an income driven payment plan for student loans and currently pay XXXX XXXX  monthly and this will continue until I make at least {$40000.00} or after my graduation date. I spoke with CapitalOne, and was told, I have to reach out to the CFPB. 

I have requested credit line request on both of my CapitalOne accounts several times. All of which have been denied based upon my credit report. This last time, I was denied for this reason : " Your financial obligations, such as those reflected on your credit bureau report are too high compared to your income '' I am submitting this complaint because I believe CapitalOne is purposely and improperly obtaining my credit report. I am exercising my right to complain under the terms of the FAIR CREDIT REPORTING ACT in which CapitalOne 's credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency. 

I obtained my report from XXXX and on the basis of CapitalOne 's statement being : " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' There were no indications of financial obligations being too high compared to my income. 
Therefore, I am led to believed I have been discriminated against on the basis of race, color, and/or national origin which violate my rights protected under the Equal Opportunity Act.
Product: Checking or savings account

On XX/XX/2022 my debit card was stolen. The card was used at XXXX 3 transactions where successful in going through. I immediately turned off my card and notified chime of the theft. Preventing 3 other charges from coming through. I also filed a police report and contacted XXXX. I provided the police report to chime and walmart stated they had the video footage and documents for chime of the theft. However chime has declined to reimburse me stating no errors have occurred.
Product: Debt collection

Midland credit management. I called the number and XXXX answered phone. I told his company to send me a confirmation of debt. This needs to be wet signatures of all the items they claim I charged. They sent me a bill statement which is not a confirmation of debt. XXXX claims this account was verified by his company. Then I said it was confirmed by who, where, how and by who. Was it confirmed by a lawyer etc. I need the name address and phone number of person. Then I asked if he was based in the United States and he said he was from XXXX. I am verifying he is a independent person who does not understand the rules of United States. This debt is not mine. If all debts are written off for tax purposes and the debt collector buys the debt isnt this double billing?
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX XXXX  Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( XXXX ) to be in error : Previous Address ( es )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having turned in numerous pieces of information that are contrary to the information on my file, Equifax and XXXX continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from capital XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.