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

America First Credit Union is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that America First Credit Union make a goodwill adjustment to have this removed.
Product: Mortgage

Freedom Mortgage is aware of my participation in the XXXX program. I have called Freedom Mortgage on XX/XX/22 on which I spoke to XXXX inquiring about my XXXX payment being received on which he said no and that I should reach back out to XXXX. I contacted XXXX on XX/XX/22 on which I spoke with XXXX who confirmed that the payment was sent out on the XXXX of XXXX. I called Freedom Mortgage on XX/XX/22 on which I spoke with XXXX ( ID # XXXX ) in which she stated that there is no payment made on my account for XXXX and she doesnt see where the payment was received on her end. I sent a secure message in the Freedom Mortgage app on XX/XX/22 asking again about my XXXX payment in which I am still awaiting a reply. On XX/XX/22 I spoke with XXXX ( ID # XXXX ) from Freedom Mortgage asking about my XXXX payment in which she stated she doesnt see any payment for XXXX. I would like to know where my XXXX payment is as it was sent the same time last month and received with no problem. This is very frustrating and stressful and I would like answers as there are a few people who I am friends with whos also working with the XXXX program that have received their XXXX payment and theirs was also sent out on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My Score on Experian was not showing on my report. Please update my score and delete all Inaccurate info on my account. 

Here 's my correct Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX  for a claim with Wachovia bank which is now Wells Fargo. I called Wells Fargo and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$440.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$0.00}
Product: Debt collection

Upon review of my credit report, I have noticed a {$220.00} charge from this company. The report states that it is a utility bill and the original debtor is XXXX. XXXX has been my current provider for two years. I have received no written/verbal notification of this debt. Furthermore, I have never had to pay a deposit to attain services. 
I have contacted XXXX two times regarding the account. The representative from the billing could not find the account on the XXXX databases, despite having my social security number. He verbalized the account number granted by me from Trident was invalid. 
During my last contact, the Supervisor recommended to report the debt as fraudulent. 
Post review of my bank statements, the original account number provided by Trident is not my XXXX account number and is too short. 
I have contacted the company numerous times and their method is to attain information from me, such as my address and social security number for validation. This is a fraudulent account and it negatively affecting my credit. Furthermore, I am very concerned with the number of review on the internet that mirror my complaint. 
Please note all correspondences regarding this account will be forwarded to the XXXX Office of Attorney General and the office of XXXX.
Product: Debt collection

I secured an installment loan from XXXX over a year ago. My payment due on XX/XX/2018 became delinquent and the company has called my house ( XXXX ) five ( 5 ) times and my cell phone number ( XXXX ) seven ( 7 ) times from two different numbers. These calls took place today XX/XX/2018.
Product: Debt collection

Experian has been reporting wrong information Iv put in many deputes and I get nothing Im being working very hard to better my reports but Experian is the only company that refused to FIX this I dont know what else to do!!? 
I am ready to take future action at this point They report negative payments when Iv been  paying early The have a time share that is not mine Im paying my bills early and working extra just for them to refuse to fix this
Product: Debt collection

Acct # : XXXX Dear Phoenix Financial Services, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XX/XX/XXXX and by XX/XX/XXXX it was already added to my credit report which has grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.
Product: Checking or savings account

XX/XX/2025 I did not get my direct deposit. Capital one failed to inform everyone of their hacking or third party mishap. I have not been able to access my account or withdraw money from them. Im behind on bills & personal things. Stayed on hold for an hour with no resolution. From what I saw online from other people this happened mid Wednesday. Capital One sent an email at XXXX XXXX Thursday night talking about the problem. This is unacceptable & I need more money for pain & suffering. Not to mention this happened 2 days after they scammed customers out of XXXX XXXX dollars in interest. Someone stole our money.
Product: Money transfer, virtual currency, or money service

Dear CFPD, I am contacting you regarding my issue with PayPal. My account was permanently limited ( closed ) for no reason. After contacting them they are still unwilling to help me and will not get it back up and working. I am unsure if this is a mistake, but, either way, I have done everything in my power to get my account back and I was unable to. 

My account registered to my email XXXX currently has {$2200.00} USD which are blocked. I used PayPal quite frequently and I find it extremely unfair that they are holding my money. I hope you can help me. My full name is XXXX XXXX XXXX XXXX. You can contact me at XXXX XXXX or my other email, XXXX Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I used an ATM at a Capital One branch, where the machine took {$120.00} in cash and my {$3000.00} check but displayed an error message. The bank teller acknowledged that there was an issue with the machine and provided me with information to open a claim. I immediately contacted Capital One on the same day and opened a claim over the phone. 

The following week, while I was on vacation, my account was overcharged by a hotel. I opened a second claim with Capital One regarding this charge. I was told that there would be a decision in XXXX business days. However, on day XXXX of having XXXX claims open, I was cut off from using my debit card and account services, and no adequate reasoning was provided. Instead, I was told that the company " chose to part ways '' with me and that the remaining balance of what was in my account would be mailed to me in check form. 

I repeatedly asked if it would be possible to transfer my funds to an external account or if I could withdraw the money in person at a branch. Both requests were denied. I was left without access to my account or my funds, with no clear explanation as to why these actions were taken.
Product: Credit card or prepaid card

In XX/XX/2021 i used a Bank of America credit card to keep it from being canceled for inactivity. Unbeknownst to me, they deliberately turn off your auto pay after three months of inactivity. That {$100.00} balance got sent to collections. I had 10 years of perfect credit history ( property, vehicles, credit cards ) with a XXXX credit score. I just got turned down for a loan because their report shows that Im unreliable for delinquency. Also lost XXXX points. Why would a Bank of America program their system to turn off your auto pay?
Product: Debt collection

Good afternoon. I want to keep this short & to the point. I have mailed in two debt validation letters ( A. ) Mailed on XXXX B. ) Mailed again on XX/XX/2021. I had never received a proper or any form of response to my debt validation letter. I received a letter dated XX/XX/2021 in reference to account # XXXX in mid XXXX. On XX/XX/XXXX I again mailed in a third debt validation letter. Not receiving any correspondence from PRA prior, I mailed another debt validation letter. Today, XX/XX/2021, my wife and I called PRA to inquire as to why we havent received any response to our debt validation letters. We first spoke to a XXXX XXXX who informed us she could not discuss this account with us and that we would have to talk to the attorney. We asked to talk to someone over Ms. XXXX and they transferred us to XXXX XXXX, who refused to talk to us either. I am alarmed & baffled that they have blatantly and disrespectfully refused to conform with Federal Laws. Upon receiving the first ( XX/XX/2021 mailed ) debt validation letter, we shouldve received a response including the original purchase agreement. Im assuming they can not provide the information requested & that may be why theyre refusing to me. The two debt validation letters mailed, were mailed prior to any contact from the attorneys office.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number xxxxxxxxxxxx XXXX
Product: Mortgage

As part of an buildings insurance claim I received a check from my insurers made payable to myself and my mortgage servicer ( Dovenmuehle Mortgage of XXXX XXXX, XXXX XXXX, IL ) for {$25000.00}. I endorsed and forwarded this to my mortgage company as instructed by overnight fedex on XXXX/XXXX/15. I then had an inspection of my property completed which showed the work was XXXX % completed. I was then told I would receive my money, which did not ahppen.. Still no check was forthcoming so I called and was told I would now need another inspection which was completed and I was then told my contractor must sign a lein waver which he did. Then they sent me my {$25000.00} in form of a check made out to myself and my contractor. No bank would accept the check and I asked them to re issue the check in just my name as they had an inspection showing the work was completed and they had a lien waver from the contractor so they knew he would not place a lien impacting their colateral. I was then told I needed to provide a letter from the contractor saying the bill was paid in full and he was not owed any more money. I then provided this to the mortgage company who said I need to return the original check to them before they would reissue the check, I asked them to just stop the original check, they refused as it would cost them money. I sent the check overnight by fedex and they received it on XXXX/XXXX/15. Here we are on XXXX/XXXX/15 and still nothing has been received. My belief is that this is a delaying tactic to hold onto funds as long as possible to maintain liquidity and earn interest at the borrowers expense. Luckily this was not a claim at my principal residense, and that I had the funds to get the work done or I shuidder to think what would have happened.
Product: Vehicle loan or lease

I have been receiving harassing phone calls from Capital One Auto Finance up to three times a day, and they leave messages violating the 7-in-7 rule, where a creditor must not contact the person who owes them money more than seven times within a seven-day period. I spoke with a rep on XX/XX/XXXX and agreed to make a payment. I made the arrangement to for a payment to be made on XX/XX/XXXX, on today XX/XX/XXXX I have received 3 calls and two voicemails about the same account with the arrangement. 
I called to find out why they are harassing me with these robocalls from their dialer system. I spoke to an offshore rep who was clueless and transferred to a resolution specialist named XXXX ( Agent ID : XXXX, date XX/XX/XXXX ). started at XXXX XXXX EST and have been on hold for 1 hour and 27 minutes waiting to speak with a supervisor before I terminated the call. She never came back on the line to let me know about the wait time.
Product: Debt collection

I have been dealing with Portfolio Recovery regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted Portfolio Recovery and spoke with reps on more than one occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/18 Ally Financial XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im reaching out because I recently noticed an inquiry on my credit report from my credit report that I never authorized. I did not give permission for this company to pull my credit, and this is a clear case of an unauthorized or fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information shown in the credit report is incorrect, which I found out the record was crossed with my brother 's record, maybe due to we have the same first and last name, and only 1 digit different on the social security number.

We file a complaint transunion, after they sort out, only left 2 record, which other record are missing. 

We called transunion again, they said is nothing they can do, everything is computer generate record, after they put in the social security number, name, date of birth, that's what the computer show, and they said nothing they can do. 

So what should I do?
Product: Student loan

I have submitted CFPB Complaint # XXXX, which is still open. However, in the interim I have received a notification from Moehala stating I only have 36 months worth of PSLF payments. This is obscured! I have provided documentation in my initial complaint and previously to Moehala to reflect that I worked at the state while making payments for significantly more than 36months. 

I continue to believe that the same illegal tactics used previously to keep people drowned in student loan debt is still being used. I have been out of XXXX since XX/XX/2008 and made payments this entire time. That is 15 years, and yet I still am in student loan bondage. Every time there is hope that the system has changed to ensure there isnt so much red tape to qualify for PSLF, it is quickly taken away. It is very upsetting to know that I took a job with the state barely making enough to be out of poverty with the promise that I would qualify for some level of student loan forgiveness, to yet still be waiting. 

I cant even consider getting a car because I realize the strain that having a car payment and potentially a student loan payment would cause my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX  XXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such.

Missed Payment : This collection is reporting " Missed Payment '' on my report. This is utterly wrong. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. 

XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Money transfer, virtual currency, or money service

Hello, I'm contacting this federal agency because what I believe to be mismanagement and lackthereof control of private keys regarding digital asset securities known as 'cryptocurrency transfer accounts '. There was a mismanagement of my personal property of XXXX Hex ( non-security similar to bitcoin ) ; a Erc-20 token on the Ethereum network. Kraken blatantly withheld my funds amounting to roughly XXXX USD at the time of XX/XX/2021. The Hex they have withheld from me is now worth {$8100.00} USD and growing. Kraken is a cryptocurrency exchange ( Owned by Payward Ventures Inc. ). The SEC and FinCEN have stated that digital asset security exchanges that handle virtual currency like bitcoin must be able to prove and provide full control and responsible management of private keys and wallets while transferring and handling of private funds. I sent a ERC-20 token to my Kraken ethereum wallet address that they provided me on my kraken account on 'XXXX ' around XXXX, XX/XX/2021. I have a confirmation transaction address on Ethereum to confirm that the funds were deposited in the eth address kraken assigned me at that time. I was unable to access the funds after being locked out of my kraken account. Soon after, I opened up a support ticket asking Kraken support for a reversal or migration of my XXXX  ERC-20 token funds and to unlock my account. I wanted my XXXX erc-20 tokens to be transferred to my personal eth address instead of the kraken address they provided me. Kraken support told me to fill out a service ticket to send to the Kraken support team for further review around XXXX ( MT ), XX/XX/2021. XXXX from Kraken support followed up on a confirmation of receipt of ticket at XXXX, XX/XX/2021. He said their team was reviewing my case and will get back to me. On XX/XX/XXXX, around XXXX ( MT ) XXXX ( Kraken support ) stated Kraken could not use the private keys to the Ethereum address to send my funds back to me and closed my ticket # XXXX. I went to their kraken  XXXX support page to see if anyone had the same issue, and many users are having the same problem. Some have been waiting months or even years to get a response back from Kraken. I'm in communication with 12 other individuals on a private forum that have had the same situation and their erc-20 tokens withheld from them with the same robotic response.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed unauthorized inquiries on my credit report and contact TransUnion the inquiries and dates are as follows 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  I have submitted a ftc report, report number XXXX TransUnion is making it extremely difficult to resolve and remove these unauthorized inquiries. And violating my consumer laws in the process
Product: Credit card

I've had an account with destiny Mastercard for the past few years and it was a use incase of emergency card, since opening this account it has been non stop with my payments not going through and my autopay being shut off randomly. they are intentionally not taking my payments, refusing my payments and or stopping payments. it happened so often that i went and opened a new bank account and ruled that is was something to do with my bank as their customer service insisted that it was my bank. my car expired in XXXX of XXXX  and i have gotten multiple excuses why my card was never received, why my payments have not gone through or why my autopay has been shut off. how can a company illegally rack up fees and continue staying in business? i have not used the car for anything in a year yet my balance is {$100.00} because when i get my balance down the the last payment my account magically is hit with MULTI } PLE LATE FEES by telling me my payments did not go through i called in XXXX and scheduled a payment and the guy i spoke with was helpful, while i was on the phone he verified my bank account was updated, also verified that my autopay was setup correctly and this would no longer be an issue and yet tonight when i called i spoke with a woman that was a manager and she would not listen to what i was saying and continued to cut me off saying that i was wrong, i told her that i wanted to pay what i owed and close the account then was threatened with more negative impacts on my credit report and collections.

not to mention i received no billing statements, no phone calls, no emails... nothing and the only reason i seen i had a missed payment is because of my credit report notifying me