23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a Milestone CC in the mail. I never applied for this card. Then on XX/XX/XXXX, I received a letter saying thanks for letting us know about your change of address! Weve updated your Milestone Account.. Well- I didnt apply for the card and I didnt request change of address. I just want card closed and my security info not being used for peoples enjoyment.
Product: Credit reporting or other personal consumer reports

I noticed some inquires on my credit report that I did not make as I am new to learning about my credit and I need to file with the cfpb because these inquires are a form of identity theft.
Product: Debt collection

Someone used my personal information to obtain a Forever 21 credit card. Forever 21 issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to XXXX XXXX XXXX. XXXX XXXX XXXX is now pursuing collection from me.
Product: Payday loan, title loan, or personal loan

I took out a {$300.00} dollar loan in XX/XX/XXXX. I did not know at the Time that I was going to have to pay back more than {$1000.00} on this loan. I also did not get the information that I would have to pay {$58.00} every 2 weeks until after the loan was processed. I can pay this I never would have done this is I would have known my payments were so much. 
This company also has harrassed me continually with emails phone calls and text messages with offers for more loans. I have asked them several times to stop this yet it continues every single day. They also shared my information with other company 's so I now get there communications every day. This company is very predatory and it did not provide me with full disclosure when I got my loan. They should be penalized for the way they act and for the continuing text, calls and emails I am still getting.
Product: Money transfer, virtual currency, or money service

Illegal mishaps of my account, and having multiple unrelated account access
Product: Mortgage

Below is a copy of one of my email to Nationstar LLC for your files : with the complaint details to add to existing complaint # XXXX XXXX XXXX XXXX .... 

XXXX XXXX : Nationstar LLC1. I regret that Nationstar 's shameful practice of blocking access to my account information continues and has triggered my complaint to a Federal Agency in connection with the Nationstar 's improper business practice of blocking access to my account information contained on the Nationstar Web Site, on condition that I waive the order from the XXXX 

2. Once again, the XXXX Ceast and Desist order against Nationstar was associated ( ONLY ) with with payment demanding and harassing phone calls between the XXXX and XXXX of month, and not internet access to my account information. 

3. I was coerced to make an unwanted web site selections to gain accessto my account data and to contact you for the 3 times about this issue. This amounts to punishing me by prevent access to my account unless, I withdraw my XXXX order against Nationstar Mortgage LLC. 
4.I INSIST THAT THE ACCESS BLOCK BE REMOVED, AT ONCE! See part of Blocking Panel that I was allowed to copy from the Nationstar LLC Web Site. 
" Ceast and Desist Confirmationclose '' This block prevented me from access to my mortgage information, and it is now in affect, notwithstanding my phone calls and emails attempting to get access to the Nationstar Mortgage LLC Web Site.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Vehicle loan or lease

I have a XXXX  XXXX XXXX that I purchased. On the paperwork my name isn't even correct they are reporting to my credit the wrong name. I was behind on the van 2 months and I was out of town because I work out of town. I was XXXX hours from where I live. They came and picked up the vehicle from the hotel when I was XXXX hours away and did not even send me a letter that I was late on my payment. They then would not release my vehicle even though I had the money to pay it and had paid it but I had to wait for it to be released. I had to cancel my schedule so therefore that one day, cost me XXXX I take school pictures for a living and I had to cancel because of them coming to take a van away from me that was literally 2 months behind and didn't give me any type of notice. Then they made me purchase insurance that cost me over XXXX for 1 month. It took me about 7 days to get my vehicle back in the meantime I had to rent a vehicle drive home and then back again when they decided they would release the vehicle. I then had the van another 2 months and they came and picked the van up again at my house this time. I filed bankrupt and the van was not suppose to be moved and they took the van all the way to XXXX XXXX which is over 6 hours from me and had all my personal possessions in the vehicle that I was not able to retrieve. They would not send my possiessions back to me and told me they were throwing them away. I now have looked at the only statements I can view and It said I owe them XXXX for a van they illegally moved from my state and cost me thousands of dollars which I have proof of. They added all types of charges on my account and I just feel as though I was done wrong and I should be paid back for the amount of money they cost me and for my personal belongings in the vehicle. I have also received a response from my previous complaint from them that is not accurate. They did not send me any letters telling me they were repossessing the vehicle or that the vehicle was being sold even aftter I filed bankrupt and I had a stay in place and they still moved the vehicle and sold it. I want to see proof that these letters were mailed to me, surely something this important would have been sent certified mailed.
Product: Credit card

I have always made sure to pay on time for this account, never letting payments become overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

Gentlemen : We were solicited to open a money market account with Compass Bank in XX/XX/2017. 
We submitted the applications for myself and my wife. My wife 's account was opened. I received an email that I would receive a call from them as they needed further information. I called the bank and was told that I need to wait for them to call me. 
No call was received and mysteriously I received an email that was account was approved and opened. I sent an email immediately asked them to close the account consider the application withdrawn as I was waiting for them to call me before they opened the account as I was told by them. I also informed them that they need to send the funds back to the external account if they had withdrawn them. They did not honor our request causing the account to be overdrawn incurring us a back charge at the external bank. We went back and forth for several weeks. Finally I was told that I would receive a letter in the mail. Still awaiting a response from them. 

Below are several emails between the bank and us as to what has transpired. 

XXXX XXXX is the local Branch Manager who came to our office soliciting more funds to be deposited with the bank. I explained as to what was happening with us. I offered to send transcripts of the emails. He accepted and later responded that he could not intervene or help us in resolving the matter. 

We have not received any response in the mail to date as promised.
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Franklin Collection has been reporting 4 bad collection debts to my XXXX  credit report. I contacted Franklin via certfied mail XX/XX/18 asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. Franklin responded with letters dated XX/XX/18 with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. Franklin Collection did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:1XXXX,XXXX, XXXX, XXXX.
Product: Debt collection

On XX/XX/XXXX, I requested an investigation through the XXXX online portal regarding inaccurate items on my credit file that were being reported erroneously. On XX/XX/XXXX, XXXX agency reported that they had completed their investigation, and the items were not deleted, as requested. On XX/XX/XXXX, I filed another dispute, noting that I had not yet received any correspondence from LJ Ross and Associates validating the debt in question. At that time, I also emailed XXXX requesting their method for validating the debt, but I have received no response from XXXX about this specific matter. I mailed my second letter to LJ Ross and associates via certified mail on XX/XX/XXXX, asking them to validate the debt which I still have not received a response from them on my first or second attempt. On XX/XX/XXXX I received a notice in my XXXX online account that my dispute results were available. When I logged in online, it said I needed to call a representative. When I called the representative on XX/XX/XXXX, the associate I spoke with told me they had not completed the findings, that there was only electronic communication from LJ Ross and associates to XXXX updating the debt as they had monthly, and that they had also not furnished any documentation validating the debt to XXXX as of yet. She also advised that I wait until XX/XX/XXXX, when the investigation would be concluded. I expressed my concern about never receiving any communication from LJ Ross and associates. When I logged into my XXXX portal, it said the investigation was concluded on XX/XX/XXXX. I have not received any correspondence or communication from LJ Ross and Associates, nor has XXXX provided any correspondence from LJ Ross and Associates validating the debt.
Product: Credit card or prepaid card

In  XXXX  of   XXXX  , I called and spoke with a citi rep about paying off a promotional balance on m y Home Depot char ge card. I paid what he told me I needed to and he assured me that my promotional balance was now paid in full.     When I called later on  XXXX / XXXX /  XXXX   to verify that the payment had been applied correctly to the promotional balance, I was informed that it had not been. The rep assured me that he would fix the problem ; not to worry.     When I received my statement on  XXXX / XXXX /  XXXX  , I found that citi had not fixed the original problem and charged me an additional {$440.00} in interest and purchases. However, I did not make any purchases.     I then called citi for the third time to try to resolve the issue. As of this writing the issue is still not resolved.     The most infuriating part of this is that there is an obvious pattern of deception and aggressive tactics to create mistakes and problems that lead to increased fraudulent gain for citi.     These have been gross, obvious mistakes ; call after call. It has actually gotten worse with each successive call.
Product: Student loan

I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to XXXX as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the unauthorized hard inquiry that remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I received a copy from the clerk of court. Stating they never released person information on the credit bureau. Involving my XXXX  XXXX to be placed into public records from a XXXX  party the credit bureau uses.
Product: Checking or savings account

Bank of America , N.A . ( BANA ), BANA agrees it holds {$94000.00} of funds owned by the XXXX XXXX  of XXXX XXXX which was an asset in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/year>. XXXX XXXX XXXX, XXXX. Partner at XXXX XXXX XXXX refused to return the funds when XXXX XXXX requested at a hearing on Tuesday, XX/XX/year>, at XXXX XXXX XXXXXXXX XXXX has not been able to afford medication for his XXXX and another home in the retirement account now has an HOA lien to sell it at a great loss to the retirement funds. Due to an error by Bank of America the funds were deposited into the business account XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX. BANA seized the funds and refuses to return them to the Title Company who sent them by ACH or to XXXX XXXX. In the meantime BANA is charging XXXX XXXX 29.99 % interest on XXXX XXXXXXXX of the funds for over 10 months.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe is inaccurate. The items I am disputing are listed below, and I am requesting that they be investigated and corrected as necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
* XXXX XXXXXXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * XXXX  XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$200.00} * XXXX  XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$1100.00} * XXXX XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$130.00} * XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$24.00} * XXXX XXXX XXXX Account ending in XXXX ( XXXX instance ) * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$9200.00} * XXXX XXXX XXXX Account ending in XXXX ( XXXX instance ) * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$11000.00} Under the FCRA, specifically 15 U.S.C. 1681l, any adverse information must be verified before being included in a consumer report. Additionally, under 15 U.S.C. 1692e of the FDCPA, false or misleading representations in connection with debt collection are prohibited. I believe these items are inaccurate and request a thorough investigation into each. If these items can not be verified or are found to be inaccurately reported, I request their immediate correction or removal from my credit report. 
Please update my credit record accordingly and send me a corrected copy of my credit report. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.
Product: Credit card or prepaid card

Purchased 2 x R/T tickets trans- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA ) XX/XX/XXXX for {$4400.00} for a trip in XXXX of XXXX Norwegian canceled my flight on XX/XX/XXXX -- and suspended virtually all transatlantic flights at that time. 
In lieu of a cash refund I accepted flight credit ( cash points ) with NA anticipating that they would continue to fly trans-Atlantic On XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection and suspended its flight credit program indefinitely ( Breaking the deal I accepted ). 
Services Not Received as XXXX XXXX did not supply the agreed flights or will supply the flights in the future. 
I have contacted NA trying to resolve the issue however, they are stead fast in abiding by their policy that I accepted a refund in terms of cash points. I have explained to them that I will never be able to use them because they have discontinued all trans-Atlantic flights. I even asked if they could transfer my points to another carrier and they declined. 
I filed a dispute with CaptialOne but, CapitalOne does not support my claim saying that I had accepted the merchants refund and there is nothing they can do. 
The Fair Credit Billing Act allows credit card users to dispute charges when a merchant does not provide the service as agreed. The agreement with XXXX was transportation from the USA to Europe which I paid for and the airline was unable to provide and will not be able to provide in the future due to their new business model of becoming a regional carrier only. The next agreement was a flight credit for transportation from the XXXX to Europe. I accepted that agreement and then XXXX revoked the deal. XXXX has given me nothing in return for my {$4400.00} and CapitalOne has not protected me from this lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to XXXX and several laws have been broken by your company. which has caused XXXX of character and has severely impacted my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I was paying my mom for rent. 
I sent her {$500.00} through zelle She never got it in her account I called my bank and they said they couldnt send me my money back. I called zelle customer service and they said it was out of their hands. Its really upsetting because it was a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Email from XXXX that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.
Product: Debt collection

I have no acknowledgement about and also im going thru the identity theft as of now. 
United auto credit stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it
Product: Bank account or service

Over a year ago I closed acct for XXXX with Nevada State Bank. For over a year I have received account summary statements from the Bankcard center, XXXX, XXXX UT XXXX showing I have a {$67.00} credit. I have called the card holder service to receive pymt and have gone to the XXXX branch in XXXX, NV. to no avail. In XX/XX/2017 I spoke to a branch mgr who told me, after a hour on the phone, they were looking into it. Three weeks ago I went and spoke to a teller that made several calls and was on the phone for about 1/2 hour while I stood and waited. He told me they would contact me. It never happened. Last week my husband went in, as a VP of XXXX, and after speaking to XXXX, a branch mgr, he was told the check was " in the mail '' and should arrive this past Tuesday. It did n't. On Wednesday my husband went back to XXXX who made more phone calls, and was told if there were any " upgrades '' they would tell the branch manager, who would then contact us. We have n't heard a word since. 
I realize this is only {$67.00}, but if it was reversed we would be in collections. They have kept our {$67.00} for over a year and we want a solution. What are upgrades? Where is the check that was promised?
Product: Payday loan, title loan, or personal loan

Mariner Finance agreed to a reduced settlement amount after a prior CFPB complaint. I payed them the amount to close the account but they are still reporting a balance as well as having put a late charge on my account, when the account was already listed a " charge off ''. These vindictive moves have negatively affected my credit when my good faith attempt to pay off and close this account was a move to improve my credit and close out what I owe.