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

I sent a dispute to experian on XX/XX/year> and they replied back with an email saying they do not believe its me who submitted the dispute. Im writing this complaint because I want them to know I indeed am the one who initiated the dispute and I want a proper investigation to be done. I'm attaching all communication and documents. I sent all necessary documents already for my disputes you can clearly see that it was me that initiated the dispute. I know Experian is suppose to have 30 days to respond to any disputes and I believe they are just stalling because the accounts can not be verified. Please conduct your investigation and send me the results via mail please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is punishing me because I am reporting them to you all. They just put my daughter, and my son negative information on my credit file. They know very well that is not my information. My son is the third generation, XXXX. I just got off the telephone with Equifax, and I explained to them that this is not my information. I told her I am reporting them, and she said, they are not going to remove it, and no one will make them remove that negative information. Why is this company getting a get out of jail free card? They are openly rebuking me since I filed this complaint. This proves another point, I tried to convey to them, and they do not care if I am Veteran, XXXX XXXX XXXX, or not. Why does this company have that much power? I am nervous writing this complaint, they will be coming at me again because I filed the complaint against them less than 24 hours ago, it is no way they could possibly investigate this matter so quickly.
Product: Debt collection

Quote from XXXX XXXX XXXX, XXXX " The XXXX protects cell phone users against unwelcome robo-calls and calls made using an automatic dialing system from companies '' " Debt Collection is a legal activity. But when it translates into stress and anxiety for the consumer, it no longer is legal. '' Everyday, Mon-Sunday, at random times XXXX sometimes XXXX  on the dot I receive an 'automated ' call from supposedly " Synchrony Bank '' requesting I call back. It is the same automated voice and same message every time regardless of day, whether the banks open or not, and even on holidays. It is not a person and when you answer you get the same automated message. If you call the number you get an automated message saying " Thank you for calling paypal credit ''. They don't specify any information regarding having contacted the correct person or specifics as to why. 

I looked up the number that is called XXXX and multiple sites and users report it as a spam caller that calls multiple times a day phishing for XXXX XXXX  info, pretending to be XXXX. The automated message from incoming calls says it is Synchrony Bank however. Regardless of their legitimacy or connection to XXXX or synchrony bank, they are not following the guidelines of the XXXX XXXX XXXX XXXX and are skirting the rules set by the FTC ( can't call before XXXX so they call at XXXX on the dot ) and they need to stop.
Product: Credit card or prepaid card

Just trying to access my files on a third-party app to help me with budgeting my expenses
Product: Mortgage

Sometimes ago I contacted your office regarding the Loan Modification Deferment. A check of my statement does not show that the deferment were made. I am entitled to 3 deferments. According to the contract if I pay timely I would get three deferments. The 1st one was done ( See attach  statement XXXX ). The next two were not done until after my complaint in XXXX XXXX. However the XXXX and XXXX XXXX statements does not reflect the deferments even though XXXX XXXX said it was done ( See attached statements for both ). In XXXX, the Principal balance was {$220000.00} ; On the statement for XXXX, the principal balance was {$180000.00} ; Def principal : {$65000.00} ; Defer {$110000.00}. Had Ocwen removed the Def {$110000.00} the monthly payment would have decreased because I would be paying on the XXXXr principal. It is not clear how Ocwen comes up with the Principal if all the deferred were applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX  To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : -XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX NY, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX  XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX -XXXX- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting 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 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I signed up and was approved for an Amex Platinum card with a XXXX sign up bonus through a link from The Points Guy ( An Amex affiliate ). I met the minimum spend, and received the points. Over a month after earning them, the points have been reversed off my account without an explanation as to why, or a resolution. I have called several times.
Product: Checking or savings account

I opened my citi bank account with a bonus of getting {$400.00}, after I deposit XXXX into my account in 30 days after opening, and keep the money for 60 days. I opened the account on XX/XX/XXXX, put {$15000.00} on XX/XX/XXXX, kept {$15000.00} for 60 days. The terms said I should receive the bonus 90 days after I keep the money for 60 days. So I should have gotten the bonus by XX/XX/26. However, I still have not gotten the bonus. 

When I call Citi, they tell me to keep waiting. Even though the bonus was due on XX/XX/26. I would like to get my {$400.00} bonus ASAP since its already overdue.
Product: Debt collection

Progressive sent a debt to collections for {$720.00}, which was the incorrect amount. I appealed several times that the Information was incorrect. Called progressive  and spoke with the underwriting department in regards to the issue and verified that the person added was rated for the XXXX XXXX XXXX XXXX XXXX XXXX at the time. Gave his drivers license number and the rep updated the information and stated the change would be put in and the new amount would be sent to the collection agency, who will then send me a notice of the new amount to pay. Between 5-7 days later of speaking with Progressive, the collection agency puts the account on my credit. I call them and ask why did they put this account on my credit when I had been disputing the account since they received it and I had just gotten the issue resolved less than 5 business days ago and they had not even given it 7 business days for me to get the notice they claimed was mailed out to me. It is now almost a month later and I have still not received that notice from the collection agency or the other notice they stated was sent out letting me know it was placed on my credit. I have contacted the post offie in regards to lost mail and it was not deemed lost, so I do believe neither one of those notices were ever sent out.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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

A company called National Credit Adjusters has been continuously harassing me for months to collect money and refuses to accept that I have no business with them and owe them nothing. I've filed multiple complaints about this company.
Product: Vehicle loan or lease

USAA is denying me access to my account. I have changed my phone number and disconnected the old one. They try to send a text to verify it is me when logging in. I have called several times and spoke to a representative. They will not accept my PIN, password, SSN, user id, email, pet 's name or any other safeguard other than texting. They directed me to go on the website and verify myself by sending a picture of my driver 's license ( front and back ) which I have done. After completing it the message reads that they ( USAA ) will contact me within 1 to 5 business days. No one has contacted me. Probably because they are trying to reach me on my old phone number. When I called back, they said it should have asked me for a new phone number during the verification process. It does not ask for a new phone number or any other information. I have no way to access my account with this financial institution. They will not elevate the call to a supervisor or manager because I am not verified. It is incomprehensible to me how a company could operate in such a reckless manner and not resolve this issue.
Product: Credit card or prepaid card

Dispute Department Case Number : XXXX On XXXX, I prepaid XXXX XXXX ( " XXXX  '' ) for excess baggage fees for my flights from XXXX  for XXXX. Arriving at XXXX, I was told by XXXX that my payment to XXXX  was not on their system and I would have to double pay my baggage fees and ask XXXX  for reimbursement since XXXX  did not notify XXXX of the payment. After arriving in XXXX, I notified XXXX  who never responded outside of acknowledging my message. I contacted my cc company, Capital One ( " C1 '' ) to file a dispute and gave them the related info to my complaint. C1 placed a temp hold on my account ( {$850.00} ) and communicated with XXXX. On XXXX, I received a letter from C1 reapplying the {$850.00} and sought more info regarding the dispute as they considered the case closed. I sent C1 more info but was perplexed as to why C1 was so dismissive and harsh with their latest reply. Being a good standing customer for a number of years, I never expected this unprofessional and callous response from C1. I considered C1 as the only leverage I had in getting XXXX  to acknowledge the double payment. Now that that leverage has been erased, I have to pay the extra {$850.00} to XXXX  although I believe C1 and XXXX  did not due enough due diligence in what I would consider a smooth reconcilable case.
Product: Debt collection

I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.
Product: Payday loan, title loan, personal loan, or advance loan

I dont remember applying for the loan. Just had XXXX XXXXXXXX and was taking XXXX XXXX  Took loan out to help my sister. Had XXXX XXXXXXXX end of XX/XX/XXXX loan was XX/XX/XXXX. They keep charging all these different fees and the amount owed keeps going up. I have called and called and get no help.
Product: Mortgage

Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. 
I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. 
They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. 
Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. 
We need to have the negative reporting reversed. 
Do we need a lawyer? We can not afford one! 
We need help.
Product: Credit reporting or other personal consumer reports

Account Number XXXX Last Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Type- Current Account Status : Derogatory Opened Date : XX/XX/XXXX Closed Date - Limit : {$0.00} Term - Monthly Payment : {$0.00} Responsibility : Individual Balance {$41000.00} Highest Balance {$41000.00} Payment Status : Collection Chargeoff Worst Payment Status - Date Of Last Payment -- Amount Past Due - $ 0 Times XX/XX/XXXX Days Late // Remarks : Placed for collection This account has changed multiple times, inaccurately. This strong attempt to continue to fraudulently report inaccurate information will lead to legal action according to FCRA LAWS. This has been a recurring issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} million in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, disability, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.
Product: Checking or savings account

Overdraft fees for things that shouldnt be over drafted, withholding a pay check for over two weeks and said that it was the employer, but Wells Fargo had already taken money from the payroll account.

Dates range from XXXX There are at least twelve different fees I have been wrongly charged. When I try to dispute the charges they have denied them or given me partial payment. I also have overdraft protection. 

I was never contacted by Wells Fargo to discuss settlement or see if I was impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.
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 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 16818-2 ( 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: Debt collection

Midland Credit is reporting an account with XXXX  XXXX bank on my credit report. I am not familiar with this account. Within the last twelve months, I have sent numerous letters to Midland credit to verify that this debt is mine and they have not responded with the information requested. I have asked Midland to provide signed documents and any other information that will prove that this is my account. They have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents as i was never late in this acounts!
Product: Debt collection

A representative from The USI Solutions office contacted me in an attempt to contact my spouse. Red flag # 1 was they utilized my spouses maiden name which she hasnt gone by since 2015 # 2 they had no contact information for her only my phone number. # 3 they didnt even know her spouses name the owner of the phone number which they had contacted. They also could not provide an email to my spouse regarding the issue or contact information for the office. 

Representatives # XXXX XXXX XXXX Ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

M & T bank, XXXX, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.
Product: Debt collection

Sequium Asset Solutions , LLC, on behalf of XXXX XXXX XXXX, is trying to collect {$190.00} since XX/XX/2022 in services not received from the original account, XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Wells Fargo to tell them my account is in the negatives and if I could get a pause on my overdraft fees. Was told they can not do anything and I am continually charged
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters out over 60 days ago and have not been notified. As a consumer i feel like these people are takeen advantage of me.
Product: Debt collection

You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.
Product: Checking or savings account

I got an email from discover that {$230.00} was sent to some stranger. I noticed my phone was lost and I called Discover about this. They provided provisional credit for the transaction and closed the bank account and issued a new bank account number. Then they reverse the provisional credit said there's nothing they can do.