23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION FOR POLICE REPORT CONTACT INFORMATION Name ( Last Name ) Address XXXX XXXX ) ( First Name ) XXXX ( City ) ( Middle Initial ) Massachusetts XXXX ( State and Zip Code ) Home Phone Number Email Address Fax Number _________________ PERSONAL INFORMATION Date of Birth Race XXXX Height Weight XXXX Female XXXX XXXX. 
REPORT INFORMATION Type of Incident : Identify theft Following are the types of theft that I was a victim of : XXXX Other Date of XX/XX/XXXX Time of Incident : XXXX Incident : How did you become aware of the incident? I just received an email saying that I owe money to national grid and at the time this taking place I was homeless and wasnt staying at the address so I know that it was identity theft Location of Incident : XXXX XXXX Briefly Describe the Incident : I was homeless at the time of the incident so I dont really know what time it accrued but it says XX/XX/XXXX Information regarding Thief ( please provide any information that you may have about the alleged thief ) : N/a Please list all items that were XXXX or XXXX, using as many unique identifying characteristics as possible. 
XXXX. Identity ADDITIONAL INFORMATION Please provide any additional details that may be beneficial : I will like to get the account disputed off my credit This Police Report Worksheet is executed and agreed to by : XXXX XXXX XXXX XX/XX/XXXX at XXXX pm Recorded at XXXX XXXX
Product: Checking or savings account

Bank of America closed my wife and my joint account. They claim they notified us by mail but we never received any mail. 

We called bank of America and they said the reason they closed our joint account is because they could not reach us on their routine check to ensure our profile information is updated. 

This is a really silly reason to close some ones account and i suspect something else. We called them and they said they can not re-open the account due to policy and we must open a brand new account. 

This reminds me of the XXXX XXXX debacle. Is Bank of America trying to get more new accounts opened?
Product: Mortgage

Following the loss of my wife 's job in XXXX XXXX and failure of XXXX to renew the Federal Emergency Unemployment Act for XXXX, my wife and I applied for a modification on the mortgage of our single family residence in XXXX, MO in XXXX XXXX ( see hardship explanation attached ). Our servicer, Seterus, Inc. accepted us for a trial modification which we completed in the latter half of XXXX having made all payments within the stipulated timeframes. The first month we were due to start our permanent modification we noticed we could n't make payments online because Seterus portal referred to our modification as " Reviewing for Completeness '' and would n't let us progress to our mortgage account page. Upon calling customer service on XXXX occasions in late XXXX, we were advised since we paid XXXX of our trial payments in XXXX instalments that Seterus ' automated system had not processed our mortgage as permanently modified and our paperwork was required to be reviewed manually. We were told this explained the " Reviewing for Completeness '' dialog on the website ( screen grab attached ). We were told not to send any more payments as they would be held in a suspense account or returned to us and that the best way to proceed was, in the agent 's own words, to " jump start '' our modification by reapplying for another XXXX. We were told we were still subject to foreclosure at any time. Following this call, my wife and I decided it was not in our best interest to get caught in a cycle of applying and applying and we decided to wait on the outcome of the review of our original documentation. For the rest of XXXX and all of XXXX we received no further written correspondence in relation to our modification and Seterus website was unchanged displaying a dialog that our modification was still " Reviewing for Completeness '' and so in XXXX XXXX we sent them a fax requesting an update on the status of our modification, or completion of the modification, both within 30 days ( copy of fax and confirmation of receipt by Seterus FROM Seterus attached ). To date we have still not received any written correspondence from them except our monthly statement for XXXX showing 683 days past due in the amount of {$16000.00} including fees.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Please see complaint XXXX. That complaint was closed with the promise of remedial actions, yet those actions were not taken and the reason for the complaint still exists ( erroneous escrow payment not refunded ). 

I have attached the companies response to XXXX.
Product: Debt collection

There are many things wrong with this debt. 
1 - I do not owe it. I have contacted them several times saying I do not owe it, I don't know what it is but they refuse to send me any information. I have asked several times for the information but I have not received a single thing from them. How am I supposed to resolve it if I do not know what it is?? 
2 - They won't stop calling!! I have asked them several times to stop calling me but they still do, multiple times a day. I get calls during my work hours every day. I have told them I am at work and they can not call me during work hours but they still do anyways. I am getting into trouble at work because of it. 
3 - They have one debt broken up into 2 separate debts on my credit report but I don't know a single thing about either of them or how it could possibly be 2 separate debts. 

I don't understand how a company can do these things to people. Its not fair that I don't know any information about it so I don't even have the chance to resolve it. I have been trying to ask the company for over a year about it to resolve it myself before taking it to a complaint but I have not gotten anywhere. I am going to get fired from my job if they do not stop harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Consumer Loan

Best Egg approved my personal loan for {$32000.00}, but when I saw the high 14.99 % interest rate I did not accept the offer. This rate was only visible to me after approval. They sent me many other offers to try to lure me into accepting the loan, but the rate was too high for me from their advertised 5 % and 6 % rates. 

When they became finally convinced that I was not going to accept the loan, they sent me a letter declining my application citing insufficient income. I had originally applied for {$40000.00} and they approved me for {$32000.00}. 

The rejection lowered my FICO score and affected my ability to get better rate loans. I believe this tactic used by Best Egg is fraudulent, unethical, and vindictive and deserves to be fixed.
Product: Credit card or prepaid card

CHIME credit card that I never applied for. also note- I have my credit freeze at all 3 credit reporting agencies XXXX received email from Chime subject line " your completed direct deposit form attached '' XXXX email from Chime subject line " Your Chime Visa Debit Card on its way '' XXXX email from Chime " action required : activate features I received a physical Chime Debit Visa card on XX/XX/13 Please help me cancel this card- I do not want to contact their customer service as I do not want to give them my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX  XXXX XXXX Balance Owed : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reviewed my credit report from XXXX, XXXX and Transunion and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that XXXX, XXXX and Transunion investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical facility billed us in arrears for a medical office visit. The amount that they billed was far in excess of the amount stated by the staff when we showed up. I have refused to pay due to the fact that their error is what caused the higher balance. I have tried to resolve this matter with their collection agency, AmeriCollect. directly and have had no luck in getting it resolved. I have properly sent them a dispute letter within the 30 day period, yet they still submitted a negative mark to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

2. 15 U. S. C. 1681c section a4 states, Accounts placed for collection it charged to profit and loss which a sedate the report by more than seven years. The statute provides for a maximum length of time, not a minimum, and therefore violates the Fair Credit Reporting Act and should be removed immediately. Also, attempting to collect a debt written off by the original creditor and sold to a secondary company is unlawful and can not be collected. The continued reporting of this inaccuracy after repeated attempts to correct it has resulted in substantial personal damage.
Product: Debt collection

Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with  XXXX ,  XXXX , &  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered discrepancies that are negatively impacting my ability to obtain credit. I am requesting that you investigate and verify the accuracy of the following details. Below are the accounts I need you to confirm : XXXX XXXX XXXX ( Account number : XXXX XXXX XXXX ( Account number : XXXX ) XXXX XXXX XXXX ( Account number : XXXX ) XXXX  XXXX ( Account number : XXXX ) XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX XXXX ( Account number : XXXX )
Product: Money transfer, virtual currency, or money service

I am a XX/XX/XXXX with a PayPal business account for the last 4 years. Due to COVID-19, a number ofXX/XX/XXXX business owners started requesting our website services but business was lost when we recommended PayPal because it was extremely difficult to receive their PayPal funds to theirXX/XX/XXXX bank account. 

In an effort to boost website sales, my business started offering a new service to other XX/XX/XXXXwhich allowed them to convert their PayPal funds toXX/XX/XXXXdollars. How this works is that they would request an amount and we would send them a PayPal invoice for said amount. Once paid, we would withdraw the funds to our XX/XX/XXXX account and send it to their XX/XX/XXXX bank account. 

After three months of running this successful service, PayPal asked for a review of our account due to the spike in revenue. We explained everything to them and withheld no information from them. We have attached the letter we sent to them. We also sent all bank statements as they requested. A day later, our account was permanently limited and our funds in the account were blocked from being withdrawn for the next 6 months. 

We were given no explanation apart from this message : " After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. 
If you have funds in your PayPal balance, well hold it for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. '' There is no way to contact them - we have tried contacting them via their website, social media and phone numbers. They will not respond. 

In our research, we have seen in the PayPal community where persons have stated that after the 180 days, PayPal has not released their funds and they still could not get in contact with PayPal. Some even stated along with screenshots that PayPal took payments from their account without their consent. 

I am requesting : 1 ) A review of PayPal 's terms which blocked us from the service we began to offer three months ago - and an explanation ( at the very least ) of why this went against their user agreements. 
2 ) Redress in the form of receiving our hard-earned funds that are now stuck in our account for the next 6 months 3 ) A lifting of the permanent limit on our accountso that we can use our account again. 

It is important to note that we have now also lost the capability to do business with our original website business because the entire account has been permanently limited.
Product: Debt collection

Gurstel Law Firm is suing me for XXXX for an old credit card account. XXXX is the company that bought the debt from XXXX XXXX XXXX. Gusted Law is representing XXXX. This debt has been moved around to company after company. I have requested information to verify the debt and requested the signature on this account guaranteeing payment. According to this Law Firm they claim the account was last used in XXXX. I refuse to pay the debt and want them to cease and desist any and all communication in any and all forums. They have harassed and embarrassed me. Sending people to multiple residents trying to serve me papers.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that XXXX is failing to act responsibly in comparison to Equifax, which has already addressed and resolved most of these inaccuracies.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX / XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I saw and my monitoring credit bureus two inquiries I never request on my credit score.

I contact the banks and let them know It wasn't me. I sent letters, I called multiple times to the banks and the credit bureus and I never got any answer o solution to this problem.
Product: Mortgage

Suntrust Mortgage increased my mortgage payment twice in two months. The second time they did not inform me of the new payment amount until I received a notice saying that unless I Payed the extra amount I would be reported to the financial bureau for non payment
Product: Debt collection

This company has violated my rights as they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

Ive made several, XXXX  attempts to resolve this directly. Im suffering due to false mentions and having my rights violated. Not to mention the missed opportunities. Unfortunately now Im seeking to be compensated if these errors remain unattended and not deleted. This seems very much practical to me, giving the circumstances
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}
Product: Student loan

I submitted my second XXXX XXXX XXXX XXXX XXXX on XX/XX/year> based on the school misconduct of XXXX. I received a blanket statement denial on XX/XX/year>. XXXX has been documented to be submitting vague and unfounded denials. This is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX  databreach and notified of databreach class memer {$22.00} settlement payment and submitted an extended claim provided the necessary information as to claims and losses resulting from databreach learned of several vehicles financed in my name and placed on credit bureaus submitted an extended claim and the letter attached by email was family member or someone else paid the expense and was entitled my extended claim however did not indicate what the family member paid or what account reported to the credit bureau that says a family member was released personal account information of my extended claim.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Opened a Citizens Checking account in the month of XXXX expecting to receive a new account bonus by meeting the requirements. Terms state that the bonus should've been paid by the end of XXXX, 2022. Have not received the bonus.
Product: Credit card or prepaid card

Walmart 's servicer attempts to force users into optining into phone calls, text messages, and emails through their servicing website. 

If you visit : https : //walmart.syf.comXXXX   There is no way to remove your cell phone number, or to " opt out '' of allowing them to use auto dialers, and to text you, at anytime. If you try to delete the your phone number it says : " At least one phone number is REQUIRED ''.

Also, there is text that states : " You authorize Synchrony Bank to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages, from Walmart and Synchrony Bank. Standard text messaging rates may apply. You also consent to Synchrony Bank ( and any other owner or servicer of your account ) contacting you about your account, including using any contact information or mobile phone numbers you provide, and you consent to the use of any automatic telephone dialing system and/or an artificial or pre-recorded voice when contacting you, even if you are charged for the call under your phone plan. '' I do not consent to this policy, but there is no way to remove your phone number. I have never given this permission, and it is impossible to login and access the website without giving them this consent.
Product: Vehicle loan or lease

Purchased a vehicle from XXXX XXXX. They over charged for a new car inspection which I brought to the finance managers attention upon signing the paperwork and was told they would refund the over payment of {$27.00} this was on XXXX/XXXX/XXXX and now we leave messages for XXXX XXXX and we never get a call back and have not received our refund. They are making a small fortune from overcharging every one on the state inspection fee. New car fee is {$10.00} for the first two years and they charge everyone the {$37.00} fee. I want my {$27.00} paid back.
Product: Debt collection

I have been paying XXXX, but I still owe them so much. I don't owe them a XXXX anymore. As I stop using their card. They also called like crazy everyday