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

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Money transfer, virtual currency, or money service

Okay I keep getting you Skylight cards in the mail when I go to activated it sends me to Skylight direct I know when you activate a card you put your info in and it should be activated but no it sends me to them every time so I know there was money on those accounts and they're fraudulently scamming me not only that I'm going through identity theft and I know I am I have a bunch of inquiries on my credit report I have my annual credit report now I've been data breached by XXXX and carvin software program I can't get in any of my accounts or keep anything and I'm being wrongfully convicted he sent to jail multiple times also I have people trying to knock me off the road you're driving crazy there's traffic everywhere around me I called the FTC I went to the social security building in downtown XXXX for XXXX XXXX building they told me they can't change my social security number unless I have a bunch of information which I do now also I can't keep people out of my XXXX account social media accounts and I'm always getting scam calls and people on XXXX saying I won the lottery I got to pay them {$300.00} first
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private 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 credit reporting agencies, 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 car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

I am having a hard time getting my credits reporters from these companies and they say that I do not have one but each time I want to increase my current credit card limit they provide information on me and when I reached out to them they says since u do not have soical security number we do not have a credit file for you! 

please help me. I do not have a soical security number but I do have a credit card!
Product: Checking or savings account

I recently opened a Capital One 360 Checking account under a promotional offer to receive {$250.00} after opening an account and receiving two direct deposits. I successfully opened the account and set my employer 's direct deposit to deposit into this new account. On XX/XX/2022 I received my first direct deposit from my employer. A few hours later I received an email from capital one stating there was " unusual activity '' on my account and to call in. I called the customer service number where a representative spent 40 minutes asking me irrelevant questions about how long I had been working for the employer, what kind of work I do, what kind of phone I have, how often I log into my account. He claimed my login information was " linked to other people '' and posed a risk to the bank so he closed my account. I assured him that I was the only one with access to my account but he said he had to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I started receiving emails from a collection agency called XXXX at January since last year. I thought to believe they were scam emails. So I didnt pay them no mind. When my income tax return was taking for owed debt. I started investigating. I called the collection agency XXXX at January and asked them who were they trying to collect a debt for, and they told me for XXXX XXXX XXXX. I called XXXX XXXX XXXX and told them that I didnt get anything financed through them. They told me that I had gotten furniture financed from XXXX XXXX XXXX in XXXX. So they gave me the address and phone number to the furniture store. I went and talked to the store manager about when did I take furniture out. He gave me a copy of the contract that was signed. I made a police report with the XXXX Police Department and they sent me this email to file a complain.
Product: Credit reporting

Equifax has reinserted fraudulent items that were previously taken off of my credit file.
Product: Checking or savings account

I have spoken to Key bank several times in regards to transactions not authorized that posted to my savings account without my authorization. Now they have charged overdraft fees which all need to be removed. XXXX stated they only will charge my primary account and I stopped using KeyBank with XXXX 7 months ago. So I dont know what happened to cause these errors with the bank. I have attached my documents to show these transactions shouldnt have posted to this account.
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 XXXX XXXX XXXX. 

DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX  : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; COMENITYBANK/VICTORI : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX - CARD SERVICE : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX AUTO FINANCE : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/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 an 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 or prepaid card

I have changed my address with discover on the XXXX of XXXX. And received multiple confirmation emails even a week later saying my new card has been shipped to my address.. However i was not paying much attention to the card, i found after a month saying that they have been trying to deliver my card to an address which i never gave them not changed my self on the account. When contacted the customer care. They simply do not have any clue on how that new address even came up on the account. So scared my details have been compromised. I have never changed my address.. not sure how they would change on their own.. unless some fraud or scam was done on the back end
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, money was sent to me via paypal. PayPal sent notification to accept the funds but showed it as a goods and services transaction instead of a personal one. PayPal asked me for a taxid to release the funds. I did not accept the transaction because of the wrong categorization and asked the sender to cancel the transaction. PayPal sent an email for me to approve a refund but instead of giving the sender back their money, PayPal took money out of my bank account to issue a refund. I called them a couple of times and sent messages via their website to correct this to no avail. I filed a dispute with my bank to get the unauthorized money they took out of my account and the bank refunded it. PayPal is still holding onto the sender 's money, refusing to cancel it without getting my social security number or taxid. This seems strange to me. What do they want my social security number for? I've asked them several times to cancel the transaction, I do not want the money. 

First I was told that the sender selected goods and services, which I disputed. Then I was told it's because I gave a QR code for them to identify my user info. This is not a business account. It is a personal account and I did not select the business account option. The bottom line is this should have been a personal transaction so in light of that I have been asking for a cancellation. They will not return the sender 's money even though they acknowledge that it was not intended to be a business transaction. They still refuse to rectify the situation without getting my social security number. First I was told this has to do with regulatory requirements. I disputed this claim because the IRS 's website contains info stating the requirement enforcement has been pushed to XXXX. Now, I was told it is to satisfy PayPal 's requirements because it is a large amount. It is still unclear why my social security number is warranted to cancel a transaction. I do not wish to accept the payment, I just want the transaction cancelled and the money returned to the owner. I am not selling goods or services to the sender and should not be strong-held to purport that I am. There are reports of PayPal trying to aggregate user 's social security number for a business venture they have going or will have going with another company. I do not know if this is true or not but hope to get to the bottom of this since PayPal is being wishy-washy in their responses.
Product: Mortgage

Ditech again misappropriated my funds to create any financial hardship it can to facilitate a default since it knows I am unemployed and Ditech refused to provide a HAMP modification for a completed XX/XX/XXXX application. 

Ditech is overcharging me and putting the money in escrow. It is attempting to use the fact that the escrow account is mine and therefore it is not taking money. 

However, it is still a misappropriation of funds and an increase in my note that I should not be paying. 

I was paying an additional {$10.00} per month for a total of {$1100.00} because there was an escrow shortfall. It was cured on XX/XX/XXXX, and in fact my escrow account is ahead. Yet, Ditech refused to make the adjustment in XX/XX/XXXX or XX/XX/XXXX when new escrow estimates are supposed to take effect. 

Also, Ditech placed {$72.00} in funds in suspense and then put the money in escrow. My note does not allow funds in suspense to be put into escrow. I asked for a refund and Ditech refuses. My note allows for refunds.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit card or prepaid card

I made a hotel reservation online with American Express Travel using my XXXX credit card. The reservation did not go through, I called them to make sure and they said they did not have it and to re-book online again. ( I ended up canceling this reservation. ) Receiving my statement, I saw TWO reservations ( for the same date ) and a credit for one ( the one I had cancelled -trip XXXX ). I called XXXXTravel initially about XX/XX/XXXX to dispute charge then placed several subsequent calls, talking to different persons, and each time was told it would be handled. On XX/XX/XXXX, spoke to " XXXX '' at XXXX ( ref # XXXX ) who said it would be handled. XX/XX/XXXX I rec 'd a letter putting the disputed charge back on my bill. XX/XX/XXXX, I again called XXXX ( ref # XXXX ). This too produced no results. 
After many calls to XXXXTravel and talking to several " Supervisors '' in their " Service Excellence '' dept., about XX/XX/XXXX, I learned that the first reservation did NOT go through to hotel, but they ( XXXXTravel ) had it ( trip ID XXXX ) and they acknowledged my call and their Instructions to me to re-book. They say they are " waiting for approval '' to issue the credit to my credit card. Meanwhile, XXXX is billing me the disputed {$530.00} and I have yet to receive any word from anyone who has promised to follow up!
Product: Debt collection

Company claims I owe {$1900.00} I never heard of company or did business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX I received an alert that XXXX XXXX XXXXXXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX XXXX the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that JPMCB - CARD SERVICE placed a credit inquiry on my XXXX  credit report. I contacted JPMCB - CARD SERVICE the same day I got the alert. No resolution has been made to remove this inquire.
Product: Vehicle loan or lease

I brought a 2013 XXXX XXXX from XXXX XXXX  which I'm turn turned into bridgecrest and that's who I was paying the car note to I was on XXXX XXXX and it was traffic I came to a stop and when I went to put my foot on the gas pedal the car wouldn't move I did several things to get it to go finally it started to move slowly I made it home but mind u my children where in the jeep it could've been very deadly with big trucks and others cars if it wasn't traffic, I took it to thedealership and they explained to me the transmission had never been changed that the vehicle should never been sold to me in that condition mind u I had several problems where I had to take the jeep back because of them not having a new battery in the jeep and it stalling out on me and everything so basically I as sold a lemon I was told the trans would cost XXXX  amd bridgecrest claimed I still owed XXXX  on the vehicle I have a problem with that and then u won't correct the problem for me. I don't think that's fair or right to do to a consumer.
Product: Credit card or prepaid card

We were travelling from XXXX to XXXX to XXXX. All bookings were done with Chase Sapphire XXXX credit card. The card covers purchase protection. Our flight from XXXX to XXXX was delayed due to bad weather conditions due to which we missed our flight from XXXX to XXXX. We had to book another flight from XXXX to XXXX to make sure we reach XXXX on time to get onto our flight from XXXX to XXXX. However, we missed the flight. 
We had to book a new flight with XXXX for my XXXX and myself from the XXXX which costed us a lot of money. Because of this delay, we had to also land in XXXX XXXX  since there weren o flights available to XXXX, and rent a car to drive back to XXXX from XXXX XXXX. Chase team confirmed over the call that weather conditions are covered under purchase protection and all of these events unfolded due to the first delay of flight which occurred in XXXX. However, we've filed the claim with them since XXXX and there has no decision yet. I've provided all the required documents and they keep asking for repetitive documents again and again. Thousands of dollars are at stake, and they're only delaying the process after providing all the documents. 
I've contacted all airlines and no refunds or compensation were provided. Proof of the same in writing is also provided to Chase. 

I've filed a claim to reimburse all associated costs of flights and car rental that were caused due to the flight delayed due to weather conditions. After repeated calls and requests, they've been only requesting all documents XXXX after the other, sometimes repeatedly asking the same documents, but no response is granted after that. 

Ticket Details : XXXX to XXXX - XXXX XXXX : Booking for XX/XX/2022 = {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Booking for XX/XX/2022 = {$870.00} USD New bookings due to delayed flight from XXXX to XXXX : XXXX to XXXX - XXXX : XX/XX/2022 = {$410.00} XXXX XXXX to XXXX - XXXX : Booking for XX/XX/2022 = {$1200.00} XXXX XXXX ( XXXX ) to XXXX - XXXX Car Rental - XXXX = {$160.00} USD
Product: Mortgage

Ditech XXXX XXXX, et al, has sent me 2 notices that they are involved with the U.S. Bankruptcy Court XXXX District of New York and I have my Mortgage with them. I called Ditech to get info and they said my Mortgage is not involved, but why did I get these papers? The papers say If I want to be involved with the Bankruptcy lawsuit, I need to contact a Atty. but I can not afford one. I am XXXX, I have XXXX. 
I have never missed a Mortgage payment. I requested the two females to email a statement that verifies me that my Mortgage is Not involved with this lawsuit and no one would. The papers clearly state that IF I do not take action I will not be able to collect any money if my mortgage is involved by this lawsuit filed. Again, I can not afford to hire a Atty. to investigate this matter, My mortgage is 75 % of my monthly income from my XXXX Income and I do not think this is fair that Ditech may be RIPPING me and others off for their error ... .They should respect me and let me know IF they have cheated me, after all they threaten me every month that they will charge me a huge late fee IF I do not pay them on the due date. 
Thank you. XXXX
Product: Mortgage

2 loan officers represented a certain company did a bait and switch told many lies and misrepresented their company. and they made threats to me about loan in any future contract. XXXX a manger thought he was XXXX said he was it like he owned loanunited. XXXX WAS BAD FROM THE GET GO. THESE TWO WITH LOANUNITED OUT OF GA. Please if you deal with loan united. Stay far away from these 2.
Product: Credit card or prepaid card

I opened self.com/lender account aka an investment credit card in XX/XX/XXXX. Every XXXX and XXXX of every month self.com were paying themselves {$35.00} from my XXXX XXXX checking account XXXX by writing themselves a check for {$35.00}, payable to self.com. Those funds are for my personal needs in the near future incase of an emergency. Self.com back in XX/XX/XXXX closed my account ending in XXXX my investment of {$740.00} they kept, I never used those funds I invested in myself. They closed my account because I mailed them a letter informing them I was XXXX  with XXXX and that I would be mailing my monthly payment late, instead of cooperating with me, or at least showing some kind of sympathy they closed my account and kept my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months the balance reported from JPMorgan Chase has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. Chase then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/XXXX. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called XXXX and explained this on XX/XX/XXXX. They told me the case will continue til Chase verified the amount owed. I wake up XX/XX/XXXX to an email saying XXXX checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.