23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have a checking account ending in XXXX. I won a default judgment recently in the XXXX XXXX XXXX XXXXXXXX against the University XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

For a banker, I think it is rationally and reasonably fair to that I am going to $ XXXX right off the back. But, I went to XXXX XXXX XXXXXXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can extend a credit line or loan or increase my credit limit by {$10000.00} to $ XXXX or more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descedent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, and 1985, 1987. The contract-in-law ministerial duty requires AmEx to help assuage and bring to an end this persecution. AmEx is a fellow contract with XXXX XXXX XXXX XXXX through the State, its local businesses that it represents, and the United States, the alter ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. AmEx has a corporate duty as a quasi-governmental entity to XXXX XXXXXXXX XXXX judicial victory. 

XXXX XXXX the Clerk of Court can verify the court. Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX  Balance : {$460.00}.
Product: Debt collection

I have a credit card with Forever21. It is past due, and I am now aware. I plan to make payments soon. 

Commmenity bank called me 9 times yesterday XX/XX/22. They called me 7 times today. I also got one call from a private number on both of those days and I believe it is from them as well Also : their website is highly unethical. Say you log into your online account to see when your bill is due. If you check within a few days to a week before your bill is ACTUALLY due, the website will instead tell you when the due date of the NEXT billing cycle is. If you check TOO CLOSE to your due date, IT WILL NOT TELL YOU THAT ACTUAL, SOONEST UPCOMING DUE DATE. This is what it did to me. I logged in, thought my bill was due a month out, and didn't make a payment. Next thing I know I'm getting repeated calls. HOURLY. Not only are they harassing me about it, it's a scam to begin with. I should not have to pay any late fees and my credit score should not be affected due to their trickery
Product: Checking or savings account

I applied for a loan from a lending company who asked for my checking account information then later accessed my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX  and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus to have addresses that arent mine removed XXXX said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for Equifax I always have issues with them its just no reasoning with Equifax Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through XXXX hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with Equifax of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and Equifax and equifax of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.
Product: Credit card

This financial institution is outright incompetent at anything involving customer support, communications, and really anything involving the daily operations of a payment processing operation.

I have complained on here already about the root cause of this here complaint. Which the great Consumer Financial Protection Bureau and its complete uselessness, did absolutely nothing but allow a robot to send an email ( wrote by me ) to a company, who then wrote my exact same message ( switching appropriate pronouns ) back to me. Followed by an exuberant roboto-matic posting of Case closed.

Anyways here Im again with another completely unbelievable story of incompetence and ignorance. After the company redirected my own complaint back to me, confirming every failure and lack of support they provided me. They themselves have apparently deemed that message to be the resolution to their mistake and failure to look into the fraudulent charges as well use it as a blanket denial to provide any support to me about the matter. 

This is however no different then what theyve done from the start, but now instead of lying saying they will get with me and resolve the issue or ignoring it. They just send me another automated message saying the compliance team is taking care of the issue. 

So after contacting the company by telephone 8 times, I was told every time the issue of the fraud purchases has been escalated as well as a note for the dispute team to contact me urgently. Never once have I received communication other than the automated response which is also not from anyone involving the dispute process. 

So a total of {$1000.00} of fraudulent transactions was attempted to be drawn from my bank account on XX/XX/XXXX. These fraudulent transactions were reported in XXXX. And the company has been made well known by me that this needs to be disputed and removed from my statement as they were not made by me, which is why in XXXX the company closed my old card and sent me a new one. 

Over the last 2 months I have notified them by phone 8 times, and countless emails that these transactions need to be disputed and handled. They never done anything about it so I had to block the payment myself. Upon blocking the excessive payment for fraudulent purchases the incompetent company then hit me with a {$25.00} fee.
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 1681. 
XXXX  Account # : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 reporting, credit repair services, or other personal consumer reports

i have ask TRANSUNION TO REMOVE THESE ACCOUNT I HAVE YET TO HEAR A WORD FROM HIM.
Product: Debt collection

On XX/XX/XXXX I requested my credit report and noticed I had a fraudulent account of Discover Credit Card in the amount of {$8200.00} opened on XX/XX/XXXX reported by XXXX and XXXX which is a result of Identity Theft. I also had two addresses from the XXXX, NY that were not mine. I have never lived outside of XXXX XXXX. These addresses are being reported at the same date XXXX. I filed a Police Report for Identity Theft in XX/XX/XXXX and also made an Identity Theft Report with the FTC. I have sent dispute letters to Discover stating this account was opened fraudulently and also wrote letters to XXXX and XXXX. XXXX  has deleted this account from my credit report, but XXXX keeps reporting it. Discover sent me a validation letter and a statement with the purchases charged to this fraudulent account, but they are NOT MINE. This has caused me XXXX, XXXX and countless nights without being able to sleep. My last resource is with the CFPB to resolve this matter and make Discover and XXXX delete the account from my credit report. This has stopped me from being a First Time Home Buyer and being able to resolve this situation product of a clear Identity Theft.
Product: Credit card or prepaid card

Capital one put a 26 day hold on my card and refuses to tell me why
Product: Credit reporting

Equifax refuses me an investigation regarding XXXX invalid liens that have since been cleared from my name at the county and federal courts, and they still appear in the public records section of my file with Equifax. XXXX and XXXX deleted these XXXX liens after and investigation ... they are labeled # XXXX and # XXXX. These liens are no longer on file under my name and I have spent countless certified letters trying to correspond with Equifax and have them remove it and provide me the descriptions and procedures of how and what steps they took but they refuse to provide me with anything. They have since begun to ignore me and simply send me a telephone number to contact the courts but that line has NO dial tone and the address is incorrect. These liens were joint with another individual who has since resolved them and they are now invalid an no longer on record with the county and state clerks. XXXX asked Equifax how they possibly verified them and they refused to answer me and simply sent me bogus and threatening letters that kept saying it was verified and nothing else could be done and that it was not their responsibility to provide me with any descriptions and procedures regarding their reinvestigation. But, I know that FCRA and California laws state that I am entitled to it. If they conducted a proper investigation they would see that these liens are no longer under my name. They claim to have verified it via my social security number but that is impossible since the county and federal dockets do not even release consumer social security numbers, so they are also LYING to me. Please, can the government help enforce some discipline on Equifax. XXXX and XXXX have deleted these XXXX liens after their investigation, so what is Equifax doing illegal?
Product: Credit card or prepaid card

To whom this may concern. 
I was away from New York for the month of XXXX. I received my monthly bank statement from Citibank and noticed 3 fraudulent charges on my account. All of these were from XXXX XXXX, I did not make these purchases. I immediately called Citibank and they canceled and re-issued me a new card. I registered my complaint and they assured me that this would be looked into and I would get my money back. 2 weeks later I got a rejection letter from Citibank holding me responsible for the full amount. They were unwilling to reconsider and all I was left to do was to send a written response to challenge this verdict. I immediately called XXXX and found out the purchase numbers for these transactions. You will be interested in my findings. I also made a police report and they are also investigating this matter. 

I have included all my information and investigation including the police report in the pdf included in the email. Please review the pdf. All pertinent documents are within this file. Please help me to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account showing up on my credit report ( s ) that I believe to be invalid. This issue was addressed with this company over a year ago. I previously disputed this bill, which was originally with  XXXX. I requested billing statements to document where all the charges were coming from as all of the bills they sent me made reference to other alleged accounts, and I was never able to see where the original amount was coming from. Now, over a year later, this collection account is showing up on my credit again. I thought the issue was resolved when they couldn't produce all the original bills. I never received anything recently to give them cause to put this on my credit report again. This account needs to be removed immediately from all the credit bureaus.
Product: Credit card or prepaid card

Capital one Balance : {$600.00} Date opened : XXXX I have called to have this removed as this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.
Product: Consumer Loan

I was sent to collections and threatened with foreclosure when I had been working with the Superv, Debt Collection. I sublitted XXXX letters plus XXXX hardship paks. A few days ago I rec 'd a letter from anattorney debt collector. I had been working and talking w/soup. my home is for sale and the buyer dropped out, I notified PenFed of this and then XXXX letters came to begin foreclosure if I didn'e pay the XXXX. I had my water shut off and had to go to a food bank, I am divorced after 47 years and no alimony. I have been begging them to help me since 2014. No ONE told me or gave me a chance BEFORE into collections. I had just spoken to PenFed as I had for 2 years.
Product: Debt collection

Most of the issues above describe what this company has been up to. They have called my employer with threatening calls on taking leagal action, they have called my family with the same thing, they have called friends, neighbors etc. Most of these people they had to search for. They have harassed, made threats, etc. They refuse to send anything via postal mail and lie about it when asked. They have refused to provide any information on the company and have been asked XXXX not to contact me via phone, but again refuse to contact me via postal mail. They are a menace.
Product: Credit reporting or other personal consumer reports

I Am submitting this request on behalf of myself I have reportedly contacted this credit data furnisher and they have not provided remedy and are in direct violation of the banking system and my consumer rights
Product: Credit reporting or other personal consumer reports

My informations were exposed without my permission as a result of data breach by experian, XXXX and XXXX. I have reached to all three companies with unsatisfactory results.
Product: Checking or savings account

To whom may he/she concern, I received a letter in XX/XX/XXXX stated that I opened an checking with Santander. I immediately call the customer service center at XXXX then spoke to representative XXXX at XXXX XXXX. I told him I did not open any checking account and he said he will close the account since I did not authorize. On the letter, the checking account number is XXXX. 

I waited for 2 weeks and I did receive any closing statement so I call on XX/XX/11. The Santander bank Fraud dept, XXXX said to me no one close the account or created one. I was very mad in my mind that what kind of service is this. So I ask XXXX XXXX to create one for me and he did. The case file no. Is XXXX. 

I am very concern if someone will use my identity again and open accounts without my knowing. Please help me with this situation. Thank you very much.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding my auto loan with XXXX XXXX  because I have not received a 1099-C form related to the loan, which has been reported as a profit and loss write-off on my credit report for an amount of {$27000.00}. This missing form is causing confusion and potential tax issues for me, as I need to accurately report my financial situation. I have attempted to resolve this with XXXXXXXX XXXX but have not received a satisfactory response. I don't have the account number, and the write-off occurred on XXXX. XXXX XXXX Thank you for your assistance in helping resolving this issue.
Product: Debt collection

The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred ) interest program. XXXX XXXX  ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. XXXX XXXX ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. XXXX XXXX  ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by XXXX XXXX  ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program. 

Furthering the fraudulent and negligent business collection practices, XXXX XXXX  ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. Crown Asset Management failed to send a validation letter after I requested one vie telephone. Crown Asset Management failed to properly serve me with paperwork regarding the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE XXXX, TRANSUNION, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Product: Mortgage

Since 2019 Shellpoint Mortgage Servicing has been placing force insurance. Every month I have been getting letters saying that I owe over {$2000.00}. My insurance company has been calling and sending them documents over and over again, showing that I have insurance and they always say they will take care of it, but they never do. We fax and fax and fax documents and once they said that have it, then they say we need the master police insurance, which both my insurance policy is with the same insurance company. Then they will say that they have the master policy, but need the other insurance, after they said they have it. I can not sleep at night. I continue to make my payments. Now they say they fix the force place insurance, but I owe money, because the payments I have been making they been holding and say I owe. its been awful. My insurance company is fed up, but will not give up. I am going through XXXX. I make my mtg payments before time and its not right. I ask them, how am I behind and I am making my payments on time and they can not answer. They say they will put a tickle in, it has been 3 weeks now. They harassment me almost everyday, but can not answer my question, where is my mtg payments.
Product: Student loan

I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.
Product: Credit card or prepaid card

On or about XX/XX/24, I received a bill {$30.00} for an amazon Chase credit card. To my knowledge, I didn't have an amazon account. The bill looked legit. It had all my info correct ; name middle initial, address, etc.

At this point, I wasn't sure if I bought something on line, clicked a box somewhere, and it was sent to me as a result. So, I called the number listed on it XXXX XXXX XXXX XXXX. 

During the call, the operator asked me to key in my SS # to identify my account. It didn't dawn on me until after I hung up the phone that was the moment I should've known it was a scam. He claimed the bill was canceled and I would not be charged. 

I talked to my local police. He confirmed my fears. Gave me a booklet to describe what steps to take as a result. I have let my bank know and now I'm letting you know.