23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I hadn't yet received my 1099-INT for tax season from Vio Bank so I called them on XX/XX/year> to check in to see what the issue was. They did not have my updated address so I gave them my new address to send the form. I inquired whether they could send the form digitally, but the customer service rep said they could not since I had closed my account after the CD had matured and I had transferred my money out. I am also not able to access my account statements digitally. It seems odd to me since Vio is purely a digital banking institution. It's been 21 days and my 1099-INT still has not made its way to my mailbox. I signed into my online portal and, confusingly, the interface does state that I am able to access my statement digitally, though, when I try there is a XXXX  error. I'm very very frustrated as this is an important document for tax purposes. It was my understanding that since this bank is a digital institution it would be a much simpler process to get all of this documentation than it is turning out to be. I would definitely caution others against this bank purely because they don't seem to be consistent and you have to trust this institution with your money at the end of the day.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX 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 Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists accounts : accounts : XXXX XXXXXXXX {$1100.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$880.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX .These accounts have resulted in 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 US 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

On XX/XX/year> I was alerted to a change in my Experian profile information that I did not initiate. I discovered that my Experian account had been hacked and I was unable to regain access. Since then I have tried tirelessly to resolve the issue with Experian but have had no success. I have twice faxed requested documentation to prove my identity and both times have been told the information was not received. I was given an alternate fax number which I was unable to even send a fax to and it appears the number is out of service. I need to regain access to my Experian Credit file to ensure I can freeze/unfreeze it as needed and Experian is not helping regain access in a timely manner. 

My Experian Ticket is # XXXX XXXX Fax # shared by Experian XXXX ( sent documentation XXXX to this number ) XXXX Fax # shared by Experian XXXX ( faxes failed to send, # seems out of service )
Product: Debt collection

I am the victim of identity theft. I followed Midland Credit Management 's steps of dispute, and they still refuse to acknowledge the theft. As per their dispute letter, I mailed Midland Credit Management a police report, FTC report, a notarized ID theft report signed by a XXXX  XXXX, as well as a letter. I sent it XX/XX/year>2025, and tracking information showed me it arrived to them XX/XX/year>2025 at the address they provided. Recently, on XX/XX/year>2025, I received another separate notice of dispute, with them stating that they still believe their records are accurate to their knowledge. They did not release all that I have asked for the account. I have reason to believe the address they gave me may not be legitimate or they have not properly reviewed the updated documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are negative accounts that is well pass 13 years that should be off my report. I have made several attempts to have these removed. And they still refuse. the other two agencies have been deleted them. 

I tried to call again today to dispute and all I got a recording for a " freeze '' or a report. Unable to link with a live agent. 

Experian has the worst reporting and services. 

They need to remove all old accounts for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

: Accurate negative details can stay on your credit report for up to seven years ''. Those account are way pass the time limit.
Product: Debt collection

This Debt collection company AFNI is trying to collect on a debt from XXXX and reporting it as a debt that went negative in XXXX. I have contacted XXXX XXXX XXXX XXXX and they have zero accounts with my name and social security number. I contacted XXXX XXXX XXXX home internet and they have XXXX accounts with my name and social security number. I contacted XXXX XXXX which is an affiliated service with XXXX XXXX XXXX and they have zero accounts with my name and social security number. Funny story, they do have and account from XXXX that was opened with my name and zip code XXXX. Not even my social, a phone number that has been registered to a dog groomers since XXXX. I have fixed the issue with XXXX XXXX, they gave me a confirmation number of XXXX. Told me dispute it with my credit bureau and the collection agency will be forced to drop it. I disputed it, and they out and out lied. Not only are they reporting this as current but reported it was active. This is n't the first time a debt collector does n't update their facts, they just make up their own story to fit this. It is not fair for me to be responsible for something there is no contract or anything for. Its a service that you open with a name and address that is n't even mine with a phone number that was n't even mine. This was very very evident with XXXX XXXX customer services, as well as they said i have zero accounts in collections. Just my name and a zip ode i never lived in. They should be held accountable.
Product: Debt collection

I had health insurance at the time of my hospital visit. I should not be getting charged for the services I received at the hospital.
Product: Debt collection

My wife received a phone call from a restricted number at XXXX XXXX then another at XXXX XXXX so she answered. She advised the gentleman that she was my wife, and we had called Friday to get assistance with payment as she lost her job due to covid 19. No empathy he kept asking if she could make payment after she advised him numerous times why she couldnt and what had happened again no empathy she had to tell him she used to be a collector and that it wasnt okay how he was treating her. She said 2 times shed have me call after I got off work at XXXX for a deferment. He then again asked if Id be paying the balance due, she again had to tell him the situation. As a collector they have to call from a number you can call them back on thats also a law and theyre calling from resticted numbers. This is the 2nd time we had this issue with the company. We tried getting it defered on time and on friday they told me they couldnt help me or collect payment on my account. I sent them a message and they stated they had a cease and desist on the account I asked to remove it and someone call me to help with deferment. Never received a call. Until collections calls today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-XX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Product: Checking or savings account

I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : 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 Equifax 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 collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A hard inquiry at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. This account has resulted in a few fraudulent hard inquiries and a fraudulent account appearing on my consumer FICO credit report. I've attached documents with the accounts and inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft.
Product: Credit card

I am writing to formally lodge a complaint against Capital Ones Kohls Credit Card Services for what I believe to be deliberate obstructions and unauthorized actions taken on my account, which have impeded my ability to make payments since XX/XX/2024. 

Historically, I received phone calls to remind me of upcoming payments. However, these calls ceased without explanation, and I was unable to access my online account as my login credentials were inexplicably non-functional. Efforts to reset these credentials were unsuccessful, and no alternative solutions were provided by Kohls. 

In XX/XX/2024, upon realizing that I had not made my XXXX payment and was unable to make my XXXX payment, I reached out to Kohls customer service via web chat. During this interaction, I discovered an unauthorized phone restriction had been placed on my account, preventing me from making payments. This restriction was added without my consent, and I believe this action was taken to intentionally sabotage my ability to maintain my account standing. 

Despite multiple attempts to resolve these issues and regain access to my account, my communications have been met with inadequate responses and no substantive resolution has been provided. This has led to an accrue of penalties and fees, for which I am now being unfairly penalized.
Product: Debt collection

Today I received a call that came across my cell phone as " XXXX - XXXX XXXX  SRS ''. When I answered, the representative stated they had a very important issue to discuss with me and asked if I would be ok being transferred to a representative. I said yes. Upon being transferred, the representative on the phone said they were trying to get into touch with me regarding my old debt with XXXX XXXX. I was stumped why the SRS was calling regarding the debt, but continued to listen and verify the information they had. Then it just started to make no sense. So I asked if they were really the SRS or just a collection company. And she said a collection company. So I told her that they are being extremely deceptive and misleading who they are in regards to contacting consumers and they no longer had my permission to discuss this debt or contact me. I found out that they are called Spire Recovery Solutions, hence how they are attempting to call themselves " SRS ''. I do not think it was a coincidence or me simply misunderstanding. They are deliberately and intentionally trying to impersonate a government office in order to make contact with debtors.
Product: Student loan

I have XXXX student loan from loan servicer Mohela. The loan was disbursed in XXXX disbursements. In XXXX 2016, Mohela reported to the XXXX credit bureaus that I was 60 days late on XXXX loans when in reality there was only XXXX loan. This is causing a negative impact on my credit score. Not to mention that the forebearance paperwork that was submitted in XXXX 2016 was back dated to include XXXX 2016 payment. 
I am a hard-working single mother, and a veteran of the XXXX who is striving to provide for my XXXX young sons. I can not afford the financial impact that Mohela 's erroneous negative reporting is having on my everyday life. I can not afford adequate transportation or housing without outrageous interest rates because it looks like I have XXXX student loan delinquencies in XXXX 2016, instead of XXXX. 
Please help me rectify this situation.
Product: Checking or savings account

Me and my wife deposited a check of $ XXXX it was are tax refund we had it filled through a tax place the bank tells is us at the branch with us XXXX MO that there was a 5 day hold on the check then when that monday roles around me and my wife know we had money in are account my wife went to us her card to find out that the accounts had a - amount of what the check is we call the bank to find out that there found department put a hold on the check for 7 days witch is 2days more then what they said so Tuesday come around and the money is back in are account and the check is stell on hold so I call today to speek with some one to see if the can release the hold on the check becuase know sometime the can if the funds have been tranfered so I call at XXXX and I got a men that said I would have to speek with there froad department we transfard me to a guy that I couldn't understand his English and I ask to speek with someone that could speek plain English and he hung up on me I didn't get his name because for one he didn't say it or I couldn't understand home so I call back at XXXX the same day and they do the same but this time there is a girl that I could Under stand named XXXX didn't tell me her last name and they sayed that if I want to get the founds releases that I would have to talk to the branch I find that a little od so I ask to speek with her manager and she tell me that she can't and well not do so and what do you know hangs up me again I call the branch and guess what they say the froud department has to do it so some one here is lieing and there custmare survice needs to be looked onto these is US BANK the branch I go through is XXXX MO there is only one bank there please do something about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I lost my job in XXXX XXXX. I have to take a loan with the company Western Sky in order to keep my apartment. I did n't understand finances at the time. Their interest rate was over 100 %. It also stipulated that my payments of over $ XXXX/month would go towards the interest rather than the principle. The loan was only for {$6000.00}. I have been paying for 4 years spending several thousand dollars above the principle but not clearing the debt. Western Sky claimed to be a tribal lender, however the company collecting the debt was XXXX. Now Delbert Services is collecting payments at a lower rate which they had me resign a contract for, about a year later if I recall correctly. I have just recently heard that these companies have already had several lawsuits against them, including in my home state of Virginia. In those, to my understanding, it was determined that their loan terms and collections practices were predatorial and illegal. I believe that it was determined that any loans signed for by those companies prior to XX/XX/XXXX were ruled that only the principle of the loan had to be repaid by the recipient of the loan and any amounts over said principle were to be repaid to the signatory. I do not know how to make myself known as a member of that class to receive restitution. Due to this loan, I can not pay other bills, nor do I have money to buy food for myself and my XXXX dependant. I can not maintain my car, so will likely lose my current job as well. Yet they are still automatically deducting their payments from my account via ACH, which my bank says it can not stop. Please assist and advise me in any way possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Charge account with account # XXXX opened on XX/XX/year> and a balance of {$1800.00}. 
According 15 U.S. Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

I previously disputed this account stating : ''15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''.
Product: Credit card

I WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have failed, lied to me multiple times and did not Properly investigate my multiple disputes for validation of two collection accounts on my credit report filed by XXXX XXXX XXXX, a collection agency of medical debts. 

The proof is attached, and my their own admissions, they did not have any means of Validation of the two accounts they were reporting up to XX/XX/2022, by their own admission! And they still do not have it only a fabricated HIPPA violation that is illegal! 

You should have removed these years when I first complained and every time in between! 

You have failed- do your job!
Product: Vehicle loan or lease

My car was totaled on XX/XX/20. My insurance company ( XXXX  ) sent 3 checks to the loan company ( Ally ). The 1st was sent on XX/XX/XXXX, credited on XXXX ( for just over {$10000.00} ). the other 2 checks ( {$4000.00} and {$2400.00} ) were sent on XX/XX/20. They STILL have not been applied to the loan to close the account. I have called repeatedly, been told the checks are " pending '' and to check back because " they are having issues with a system update ''. Meanwhile I continue to make monthly payments ( which means they are collecting money over and above what is owed to them ) with no end in sight. No one can give me a time frame of when this might be resolved, and no one there ( at Ally ) seems to be able to explain why they haven't cleared the checks. I can understand system issues happen, but holding money ( all the while collecting more than what is owed ) and not being able to give a reasonable answer or time frame seems more than a little shady. If they are doing this to all their " total loss '' accounts it could involve THOUSANDS upon Thousands of dollars over and above what the loans were for. When I spoke to them again today ( XX/XX/XXXX ) I was told a supervisor would call me back in 24-72hrs, but that they wouldn't be any better able to answer my question or solve my problem.