23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction regarding the second attempt to remove fraudulent items from my account. Despite my previous communication and your assurances of resolution, the fraudulent activity persists, causing significant distress and inconvenience. 

As I have previously reported, there are fraudulent items on my account that require immediate attention. I am deeply troubled that despite your acknowledgment of the issue and promises to rectify it, no meaningful progress has been made. This failure to address fraudulent activity promptly reflects poorly on your company 's commitment to customer security and satisfaction. 

I urge you to prioritize the removal of these fraudulent items without further delay. Additionally, I expect a thorough investigation into the root cause of this repeated failure to resolve the issue. It is essential that your company takes proactive measures to prevent such security breaches in the future to safeguard the interests of all your customers. 

Furthermore, I request compensation for the inconvenience and potential harm caused by the persistence of these fraudulent items on my account. It is only fair that I am adequately reimbursed for any financial losses or damages incurred as a result of your company 's negligence in addressing this matter. 

I demand immediate action and transparent communication throughout the process of resolving this issue. Failure to provide a satisfactory resolution will leave me with no choice but to escalate this complaint to higher authorities and explore legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Lowe 's Appliance Rebate program denied my application. I received a generic rejection message weeks after my application submission saying " We are unable to process your request at this time because your request did not meet the following requirement ( s ) of Lowe 's Appliance Installation Rebate : eligible appliance and Lowe 's Basic Installation. '' However the application was filled out with the help of the sales associate at the XXXXXXXX XXXX  Lowe 's location. There shouldn't be any errors or eligibility issues with the application. The whole reason the appliance was purchased was for the rebate program. 
Here is the timeline of the events : XX/XX/year> : Application submitted for review XX/XX/year> : Application rejection email XX/XX/year> : Asked for a clarification on the rejection message but no response as of XX/XX/year> XX/XX/year> : called support on XXXX. After being on hold for approximately XXXX hour, no one picked up. 

Case number : XXXX
Product: Debt collection

On several occasions, starting on XX/XX/year>, I have written to Jefferson Capital Systems requesting verification of an alleged debt. I have written them numerous times and they have failed to respond. 


Jefferson Capital Systems Acct # XXXX Alleged Amount XXXX
Product: Debt collection

I am writing this complaint to address a persistent issue that has been causing me unnecessary FRUSTRATION and inconvenience. Despite my previous requests to this collection agency about 2 alleged debts. I continue to receive the same paperwork from the agency. I have requested documentation from the agency about 7 times. This ongoing issue is not only time-consuming but also counterproductive. I have requested proper information via email and mail about the alleged debt including proof of authority to collect, verification of the accuracy of the debt including statements, payments, invoices, signed contracts and the company has failed to do so. They do however send me an ABUNDANCE of the SAME thing over and over not complying with my request. The last two letters i have sent them, i requested they cease sending the abundance of useless paperwork they continue to do so. This week, I received 8 letters saying the exact same thing.
Product: Mortgage

Carrington mortgage company purchased my mortgage loan from XXXXXXXX XXXX on XXXX of 2020. I filed a joint chapter XXXX bankruptcy in XXXX of XXXXwhich discharged the loan as part of the bankruptcy proceedings. After multiple attempts to call and resolve this issue with carrington mortgage company they have stated that the bankruptcy only applies to my ex wife and does not include me. I have spoken to the trustee who handled the bankruptcy and confirmed both parties, my ex wife and myself, are included in the bankruptcy. I am now being harassed with phone calls and emails from carrington and negative remarks on my credit report. Representatives from carrington have also stated they will continue to pursue legal action and continue to contact me if I am unwilling to make a payment. This falls under the Stay violations and the discharge violations, along with violating federal bankruptcy law and the FDCPA, violating federal law, namely section 524 of Title 11 of the United States Code. If this matter is not resolved on my credit report and with carrington I will be forced to contact an attorney and file harassment charges and seek compensation to pay attorney fees and compensation for their violation of the bankruptcy code.
Product: Debt collection

Received credit alert that a paid debt was submitted to the credit bureaus as not paid. Called the company and explained debt WAS paid. Employees are angry and rude and have nothing else better to do than harass people.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal Changed their acceptable use policy after we had initially signed up, And canceled our accounts with out first warning us of the violation of policy, I believe it would have been in the best interest of both PayPal and the Customer that if there had been a policy violation to explain that it cant be done, Since the activities in and of themselves wasn't illegal. Now PayPal Has Put a Hold on customers funds that it has refused to do business with, Release the funds or reinstate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX
Product: Checking or savings account

I contacted the bank representative to overturn the overdraft fees and credit my account to a positive status. The bank told me that the charges were justifiable, creating a domino effect in my account. This incident occurred even for a small amount under the 'bank 's policy of a {$15.00} cap on merchant payments. This continuous constant cycle occurred for several months.
Product: Debt collection

I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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: Checking or savings account

On XX/XX/23 this bank refused to close account with XXXX balance ending in XXXX because they conflated my data with previous closed account ending in XXXX, resulting in freezing account. This is an fraudulent attempt to blackmail me into funding a closed account to avoid future monthly fees.
Product: Debt collection

On XX/XX/2020, during the stay in place shelter Covid-19 pandemic. I began to receive mutiple threatening phone calls from IQ Data International , IncXXXX XXXX XXXX Washington . I send a certified letter disputing the debt, I called IQ Data on the phone disputing the debt, ALL THE EMPLOYEES told me I'm a liar, I need to pay my bills! I owe the debt & IQ data wants thier money!! I send emails with documents proving I don't owe the debt. IQ data has REFUSES to remove my debt out of collections. IQ Data International RUINED my FICO score, my FICO score was decreased by 100 points. IQ Data International is a SCAM collections agency. I contacted XXXX & XXXX to dispute the FRAUDULENT collections debt. It's illegal to collect a FRAUD BILL! I do not owe money, I will not be harrassed or threatened by IQ data to pay a debt, I do not OWE {$660.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check into my checking account from my XXXX plan which I have done on a few other occasions. It was advised I could pay a {$45.00} fee to deposit it same day, otherwise it would be available the next day for free. I selected the free option so that my funds would be available on the next morning. When the next morning arrived, my account was overdrawn in the amount of {$290.00} roughly and my funds were not available. I called the bank and they told me my check was placed on a 10 day hold and my funds would not be available until XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe relied on those funds to pay for expenses. The rep and XXXX told me there was nothing they could do but if any of my charges left me overdrawn any further they would not charge me a fee. I asked for my check back to deposit into another bank they said it was not possible and they could not make any funds available to me until XX/XX/XXXX. I asked what my over draft limit was because if I remove funds from my other accounts for my bills I would be in even more trouble in which the XXXX told me she did not know what limits I could Overdraft to. I tried to use my card for gas and food which my card was declined, they also declined a bill payment. I do have not had overdraft charges to my account and my funds are being held and I can not pay my bills. This trip was XXXX XXXX  because of this bank and now I still have no funds to pay my bills that are due this week. I will be changing my direct deposit over as soon as this is done and will be terminating my relationship with this bank. I was forced to borrow money to get my account out of a negative balance and now I am still unable to get my check or my funds from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX,, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 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. 

I XXXX XXXX, hereby attest that the information provided is being filled by myself and not by any other third party.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was securian that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from 2017. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.
Product: Mortgage

I have been in a 30 year fixed loan for 18 months. Within the 18 month period my payment has changed twice. Once it was lowered by {$300.00} and this month it was raised by {$1000.00}. The mortgage servicer says the escrow account was in deficit and to restore the deficit they increased the mortgage payment. The mortgage servicer explained that this was due to a change in taxes and the deficit in the escrow account ; however, I feel like an 80 % increase in mortgage payment is unreasonable and that there could have been better and earlier communication to hedge against such a large impact. Upon closing on the mortgage the escrow account was in order and my mortgage includes fees for taxes and insurance. I want to verify that the mortgage servicer is treating me fairly ( i.e., did they make a mistake that I am paying for now ) and that they acted in good faith to service my loan. I would also like to better understand my options in this situation.
Product: Debt collection

In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : First Fed Control # XXXX and XXXX # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
Product: Credit reporting or other personal consumer reports

This company violated 15 usc 1681 stating I never gave them written consent to furnish my information or obtain my information and also violated 15 usc 1666b and 15 usc 1692g
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in XXXX XXXX XXXX ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Credit reporting or other personal consumer reports

I recently examined my consumer report and discovered several fraudulent accounts that are affecting my creditworthiness.
Product: Credit card or prepaid card

Tried closing My Goldman Sachs Apple Card by calling customer service. They told me the account was restricted. I asked why. They couldn't give me a reason as to why my account was restricted. Employees refused to give me any information on the account. I would like my account completely removed and my information completely out of Goldman Sachs ' database.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the Fair Credit Reporting Act, which has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In the XXXX XXXX app, I received a notification about three new Hard Inquiries. I called the companies, and they said the application came from XXXX, an auto lending company. I did not submit this application, and I want to dispute these transactions. I called XXXX, and they advised me to contact you. Thank you. For your information, I did not give consent for any applications to be submitted, especially from XXXX. 
Also from XXXX XXXX XXXX XXXX XXXX XXXX Pentagon FCU XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On two accounts on my credit report, I have late payments due to having XXXX and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ).

1 ) Acct # XXXX XXXX  Total Card, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. US Bankruptcy XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I demand that these accounts be deleted immediately
Product: Mortgage

It has come to my attention that my Federal rights and protections have been trespassed upon and violated by Homebridge Financial Services Inc. In XXXX of 2023 I, XXXX XXXX wanted to purchase a new home so I extended my credit by placing my Social Security number on a credit application provided by Homebridge Financial Services. After doing so, the application has now become a financial asset and negotiable instrument due to my security interest in the document. My loan officer XXXX XXXX notified me a few days later that I was denied my home because my credit history was too thin. I explained to XXXX XXXX that the decision appears to be discriminatory and the Equal Credit Opportunity Act provides federal protection from such discrimination. XXXX XXXX told me to fix my credit and then I can buy a home. I felt a nauseous feeling like I was sick because my children need a new home. Im asking the CFPB to report this discrimination and defamation of character committed by Homebridge Financial Services Inc.
Product: Student loan

South Coast doc was supposed to be helping me pay off my Student loans. FAFSA said they don't work with third parties after I filed a complaint with them. On debit card ending in XXXX {$180.00} was paid debit card ending in XXXX {$47.00} was paid debit card ending in XXXX {$1400.00} was paid. After finding out Fafsa wasn't working with them. I stopped payments. They are now still requesting payments after my loans are paid off.