23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.
Product: Credit card

I was using my target credit card financed by TD bank with my Five percent off benefit to purchase XXXX tickets. I tried to request a credit line increase since my credit line was only XXXX XXXX dollars they told me it would take six months. I then began on XX/XX/year> buying the tickets. I had to wait for my payment to clear to continue to buy them. i made another payment for the balance. On XXXX the XXXX for {$800.00}. the payment was placed on hold and they kept telling me to wait. i asked for a portion of my payment back so I can purchase the tickets with another credit card and they said they can't do that. during that time they kept telling me that I needed to wait and I kept calling and trying to make my purchase. The prices of the tickets went up from XXXX each for two day one park with a XXXX XXXX to XXXX this purchase is now costing me {$72.00} more since I am buying 3 more. I am angry and consider this unfair, abusive and deceptive. I have a great payment history with the bank And I have never missed a payment nor have I ever had a payment rejected. Because of this ridiculous hold time, the price is went up and it's going to cost me money. I called the bank multiple times in between this letting them know that I just wanted to make my purchase.They told me they could not release the hold. i called the bank today to try and see what they could do and they told me that TD bank has no managers to speak with and they cant do anything. The only department they had for me to speak with was target gift card services. i didn't have a payment due and paid off the balance from the previous month so I am not sure why they couldnt refund my extra payment. TD bank owes me {$72.00}.
Product: Checking or savings account

In  XXXX  of   XXXX  , Hunting Bank repeatedly presented me, upon log-in to their website to check the status of my checking and savings accounts with them, with an advertisement offering a {$100.00} bonus added into an existing savings account upon the deposit of {$5000.00} or more in new funds into the account. I have a screenshot of the offer. I am/was abroad, and thus not able to comply with the stipulation to " visit a local branch '', but I called an spoke to a customer service representative ( call initiated at    XXXX   XXXX     XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   ) who assured me that this would not be a problem. The funds were directly deposited into my Huntington checking account by my employer on the  XXXX  of  XXXX   XXXX  prior to the deadline of  XXXX   XXXX  stipulated in the offer ) and I promptly transferred {$7700.00} into my existing Huntington  XXXX   XXXX  Account. In speaking with the customer service representative - identified as  XXXX  - he assured me that this would be acceptable and would not render me ineligible for the offer. When I pressed him for some proof of this assurance, he informed me that the call was being recorded.     The offer stipulated that the deposit of the {$100.00} into my savings account was to take place within 14 days. I called Huntington Bank regarding the non-payment of the money on  XXXX   XXXX ,   XXXX  , and was told because the money had been deposited first to my checking and then transferred to my savings ( within a matter of hours  XXXX , I was not eligible to receive the bonus. In a world of digital banking, this is an absurdity of hair-splitting - the end result to the bank is precisely and exactly the same. The fact that  Huntington  Bank 's customer service representative had assured me that this would not be an issue, inducing me to transfer the money to my savings account in the belief that I would receive the offered bonus, further leads me to feel that I have not been dealt with in good faith and have in fact been deceived. The bank has received over {$5000.00} of money into my savings account not formerly deposited with Huntington Bank, in timely fashion ; I have not received my bonus. I would warn consumers against having any dealings whatsoever with Huntington Bank, as their dishonesty in this matter strikes me as blatant, inexcusable, and petty ; I 've been given the run-around over the merest of technicalities -  XXXX  of no practical importance to the bank whatsoever - in order to save them {$100.00}, after repeated assurances on the part of an employee of theirs that I qualified, would receive the bonus, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various accounts on my report are fraudulent. These accounts listed were not opened by me. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

20. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

23. Identity Theft XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF ED/XXXXL ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I do not recognize the account listed on my credit report from a creditor named XXXX XXXX XXXX. This is listed on my credit report as a collection account but does not tell me who the original creditor is. It says the account was opened XX/XX/year>. I never opened an account with this amount during this time period. There is no other listed company listed so Im unaware who the original creditor is and the information provided on my credit report is inaccurate.
Product: Debt collection

The debt that is said owed was disputed on XX/XX/2020 and deleted from all three credit bureau. Credit Control Corporation did not verify the debt that was said owed. I sent them a certified letter asking them to verify the debt owed bearing my signature. The law is that a company has 31 days to verify the information or it has to be remove from your credit report. All three credit reported this account as deleted. The company kept calling me like everyday repeatedly after I ask them to stop, because I don't owe you anything. I was getting threatening calls saying that my credit would be ruin if I don't pay. They even change the account number to another account number that was fraudulent. They are violating my rights as a consumer. They sound like scammers who are trying to use illegal tactics on people. I would like for this company to remove this account from my credit report or give name and number of who verified that this debt that said is owed belongs to me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Nordstrom 's Credit Card for Reporting Late Payments and Refusing to Remove Trade Line from Credit File Dear Federal Trade Commission, I am writing to file a formal complaint against Nordstrom 's Credit Card regarding their reporting of late payments on my credit file and their refusal to delete the trade line associated with my account, despite my objections and efforts to rectify the situation.

In [ date/month/year ], I discovered that Nordstrom 's Credit Card had inaccurately reported late payments on my credit file, negatively impacting my credit score and financial standing. Upon discovering this error, I promptly contacted Nordstrom 's Credit Card customer service to dispute the inaccuracies and request the removal of the late payment entries from my credit report.

Despite multiple attempts to resolve the issue, Nordstrom 's Credit Card has refused to delete the trade line associated with my account completely, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have failed to compensate me for the time and effort I have expended in correcting this issue with credit bureaus and Nordstrom 's Credit Card managers.

I believe Nordstrom 's Credit Card 's actions constitute a violation of my rights under the FCRA and have caused me undue financial hardship and emotional distress. Their refusal to take appropriate action to remedy the situation further exacerbates the harm done to me as a consumer. 
I respectfully request that the Federal Trade Commission investigate this matter and take appropriate enforcement action against Nordstrom 's Credit Card for their non-compliance with the FCRA and their failure to provide adequate consumer protection. Additionally, I seek compensation for the time and resources I have expended in rectifying this issue. 
Thank you for your attention to this matter. I look forward to a prompt resolution and a fair outcome. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft. Im not sure how it happened, but it seems that my personal information was used to open accounts that I dont recognize, and I did not authorize. I did not open nor benefit from them, and I request that they be closed immediately. Which they refused to do. This is an incredibly stressful situation, and I would be grateful for assistance. Not only is this account not mines.They force my father to pay the debt because He was trying to buy a house and we have the same name. Which we are going to take legal matter about.
Product: Credit reporting or other personal consumer reports

This evening, I was disheartened to find unauthorized inquiries on my credit report without any explanation. I was doing my routine check, but this time, unexpected discrepancies were present. I refreshed my browser, thinking it might be an error, but the inquiries persisted. I urgently request that my documents be carefully examined so I can have peace of mind and avoid this situation in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX  os a high interest credit card company that hires employess that are not mandetory script to answer correctly to your questions. I spoke to a rep about my accoint being late. They told me that my accou t information was incorrect thats why I was charged a late charge. They said they would fix it and I would be set up for automatic payments. THIS DID NOT HAPPEN I TRIED TO CALL AND NO ANSWER AND I GO ONLINE THERES NO WAY TO SETUP AUTO MATIC PAYMENTS. THE REP LIED OR JUST WASNT LISTENING THEY AGREED TO SET ME UP FOR AUTOMATIC PAYMNETS AND DID NOT. THEY ARE UNPROFESSIONAL THEY RUINED MY CREDIT I NEED THIS UPDATED. ALSO I HAVE LATES XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

There was a XXXX  dispute letter sent to XXXX over 3 months ago on XX/XX/year> regarding XXXX unauthorized accounts. To date, XXXX has not responded to my request. I have included the FTC report, and the dispute letter which is dated and time stamped. I am requesting that the following accounts are deleted from my credit report within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, Transunion, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to Transunion at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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

In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, AFNI, INC., had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called AFNI to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called XXXX to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.
Product: Mortgage

Planet Home Lending needs to recover their money from XXXX XXXX XXXX as they paid another homes taxes. My escrow account is now short and theyre trying to increase my mortgage payment by {$440.00} a month, which is unacceptable. My property taxes went into default after they failed to pay the proper amount of taxes and only paid my taxes after getting a letter of non-payment from the county tax assessor. After speaking with their tax department, the company transposed the parcel numbers when they refinanced my loan and had my neighbors home as my address, even though mail went to the correct address. The company needs to recoup my money from the county of XXXX XXXX and place it back in my escrow account. I can not recover it myself because I didnt pay it and dont have proof of payment that the tax assessor required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX 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 15 U.S.C

1681 SECTION 602. A. STATES I have a right to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any oof 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 7 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Wells Fargo XXXX  card automated monthly payment is set up to defraud customers. You can not set for payment date before last payment date. 

When you chose to pay the full last statement balance, the amount paid is ONLY the minimum amount, which is {$25.00}. 

The verification page on the system is that an authorized amount from {$25.00} to your last statement balance. Rather than the full last statements balance. 

Since you can not set to pay earlier, it is too late when you find out that only {$25.00} is charged, thus you incur interest on the balance. 

The system is set up to defraud customers, and XXXX users indicated that it happened to them again and again. Some 8 times before they fix it. Some noted it only on the first payment. 

Since I did not trust them, I always made payment earlier. Except this last time I wanted to test them, and sure enough, only {$25.00} was charged despite the request to pay full last balance. 

They are not doing this consistently, but sporadically. 

They would not change my payment date to few days earlier. Only offered to turn my autopay option off. 

This company set up their interface to fool customers. They force you to wait until the last day, they give you a vague amount in a range {$25.00} to balance amount instead of full amount. They denied that it is fraud. They have no intention to fix it even though it is widely reported months ago.
Product: Mortgage

Bank of America began foreclosing on my home. I reached out to Bank of America and was told that I would be given the opportunity to modify my mortgage. I called Bank of America several times, left voicemails and no one returned my calls. On XX/XX/2021 I received a letter from Bank of America and was told that Bank of America made a mistake and that there was {$18000.00} that Bank of America overcharged me this the monthly mortgage payment would change. 
Furthermore, I was contacted by Bank of America 's attorney via email on XX/XX/2021 with an attachment from Bank of America dated XX/XX/2021 which states that I can be re-evaluated. I called Bank of America on XX/XX/2021 and was told that they could not speak with me. Please help I don't want to be foreclosed upon.