23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I believe Care Credit engages in misrepresentation, false advertising and fraud in enticing consumers to use their services. I believe they engage in false advertising in putting out ads saying pay your vet on your terms. Its not true and they prey upon people who are vulnerable and utilize usurious rates when people are desperate to protect their pets. I closed my account the day my dog died. I lay his death at their feet. I will pay them down but in the meantime I will be shopping for a class action attorney. I have read bbb reviews yelp reviews and this seems to be standard operating procedure for them. I wish I had known this before I opened an account with them, but was urged to do so by my vet. Big mistake. I have consulted a bankruptcy attorney who explained any payments I make to them will be disgorged. So if I do file there is some satisfaction. But they seriously need to be thoroughly investigated. Their practices are unlawful and again predatory, please remedy and research this companys advertising and practices,
Product: Credit reporting or other personal consumer reports

I tried to get my Transunion credit report through annualcreditreport.com website and I am unable to get this report online. Tried multiple times over last 2 years and it always gives an error.

I tried calling Transunion customer support several times. They keep transferring me to different departments and not able to resolve this issue. I have no problem getting my credit report for XXXX or XXXX through the same site. Transunion always shows error. Refer to attachment for error.
Product: Debt collection

XXXX XXXX XXXX has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico. 
This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from XXXX themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. I DON'T RECOGNIZE THESE ACCOUNTS AND I DID NOT AUTHORIZE THEM. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORTS, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE INQUIRIES EVEN WHEN CALLING TO SEE WHY THEY ARE THERE THEY CANR FIND INFORMATION UNDER MY NAME. THE INQUIRIES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( FALSE INSURANCE DOCUMENTS, MISSING MY SOGNATURES, DAUGHTER DOWN AS BENEFICIARY WITHOUT CONSENT, MOTHER DOWN WITHOUT CONSENT, SHOWS MANSLAUGHTER ETC PROTECTION ), XXXX ( HAS AN ACCT USING MY MINOR XXXX YR OLD SON SSN ), XXXX AND XXXX REPORTING UTILITIES AND FUEL ( DEF FRAUD ), XXXX REPORTING THE WRONG EMAIL, ADDRESS, NAMES, FRAUD STUDENT LOANS ( THEY WONT LET ME UPDATE THE CPRRRCT INFO, IRS AND XXXX XXXX FROM XXXX HAS INQUROES, RESELLER FOR RESIDENTIAL PROPERTY, THE ONLY THAT HAS SENT MY COPY OF REPORT IS TRANSUNION AND INSIDE THE ENVELOPE IS SHOWS THREE REPORTS WITH 3 DIFFERENT ID NUMBERS, ALL THESE STUDENT LOANS, REPORTING FALSE PHONE NUMBERS XXXX, FALSE ADDRESSES, A NAME I NEVER USE XXXX XXXX XXXX, THEU REFUSE TO PLACE MY RESIDENTIAL ADDRESS DOWN WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, THE CONSUMER STATEMENT SHOWING XXXX IS MY MOTHERS OLD NUMBER LINKED TO HER AND MY FATHERS DEBT XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, TRANSUNION REFUSES TO UPDATE INFO AFTER IVE SENT 3 TIMES ( MAIL FRAUD DUE TO THEM NEVER RECIEVING MY MAIL ) XXXX XXXX REPORTING THE WRONG ADDRESSES LINKED TO XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX SC XXXX, BRAND NEW STUDENT LOANS WHEN IVE NOT BEEN IN COLLEGE IN ALMOST 10 YRS, XXXX REPORTING A BREACH ON MY INFO BUT DUE TO MAIL FRAUD THEYVE NOT RECIVED MY DOCUMENTS FOR ME AND MY KODS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS 9 DIFFERENT USER ID INFO WITH INNOCRRECT SSN, MAILING ADDRESSES, PHONE NUMBERS, THERE ARE FALSE/FAKE SOCIAL MEDIA ACCTS ON XXXX XXXX XXXX XXXX PERTAINING TO MY BREACHED COMPANY XXXX XXXX THE CREDIT REPORTING AGENCIES WONT SEND ME A COPY EVEN WHEN IVE PAID OF MY COMPANY INFO TAXID XXXX XXXX   XXXX WHICH IS REPORTING MY PERSONAL CREDIT REPORT, EMAILS ARE BEING COMPROMISED MY MAIL IS COMING IN 3 'S AND ALL MY IRS AND XXXX XXXX MAIL IS BEING OPENED AND POSSIBLY SWAPPED WITH THE WRONG INFO, ALL INSURANCE INQUIRIES ARE FALSE, ALL XXXX, XXXX XXXX BELONGS TO MY FATHER, ALL STUDENT LOANS BELONG TO MOTHER AND SISTER XXXX XXXX XXXX, XXXX XXXX XXXX HAS MY MINOR CHILD XXXX XXXX XXXX LISTED UNDER MY ACCT, XXXX XXXX XXXX IN XXXX HAS MY FULL NAME AND DAUGHTER SSN LISTED WITH LINKED MEDICAL RECORDS THEY WONT GIVE ME ON FRAUD RETURNS, XXXX IS MY MOBILW CARRIER BUT XXXX XXXX  ACCTS KEEP POPPING UP
Product: Debt collection

I was sent a debt collection notice but while they let you pay the amount online, they don't allow you to dispute it online.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been unable to access my Equifax consumer file. I have verified myself using address, phone, and unique code that was sent to my personal mobile device ; however equifax will not release my credit file and whenever I attempt to login online as of XX/XX/XXXX the file states to contact Equifax and provide the error code : XXXX which I have done and each time they have advised me to mail my social security card in the mail which is unsafe for identity protection to place a copy of my social security card in the US Mail, they have not provided any alternative electronic means to provide documents in a secure manner. 

This issue was caused by Equifax who placed an unfair block on my credit file for no reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX  ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX
Product: Checking or savings account

A check was deposited in my account and withdrew from the atm and other means without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect consumer information in the event of a massive-scale data breach. It has been indicated by their website, equifaxsecurity2017.com, that my information was included. Equifax 's failure has put millions of consumers at risk. 

Furthermore, Equifax has offered a free trial of their credit monitoring service which REQUIRES CONSUMERS TO WAIVE LEGAL RIGHTS against the company in relation to the breach. This is an utterly sickening and anti-consumer thing to do. Equifax needs to take responsibility for their malpractice, not try and XXXX customers out of their rights to fight back.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$14000.00} XXXX XX/XX/XXXX {$7300.00} CAP ONE XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2200.00} ADDRESSES NAMES ASKING FOR REMOVAL OF : CHARGE OFFS- 15 USC 1601 LATE PAYMENTS - 15 USC 1666 COLLECTIONS - 15 USC 1692 INQUIRIES - 15 USC 1681
Product: Mortgage

On XX/XX/2024 I called Servion to discuss removal of my escrow account and PMI as I am able to make the payment necessary to get under the 80 % LTV and want to I discuss the process and exact amount required. I asked for a call back, not in any rush to do this. What I got back was an email from XXXX XXXX full of my Private and Confidential data. So much of my Private and Confidential data was sent to me in an insecure email which I did not initiate or request. The information in the email includes two paragraphs of typed text including my balance amounts, PMI amounts, LTV amounts, escrow account. There is also two images of their internal system displaying many fields of my Private and Confidential information including account balance, LTV amounts, program qualification flags, curtailment amounts, payment counters, missed payment/ on time payments counters, escrow cancellation dates, loan number, mortgage insurer identifiers and XXXX 

They got my loan number as the subject of the email they sent. 

I have been a victim of identity theft in the past and I am extremely disappointed in seeing this mortgage servicer handle my Private and Confidential data in this manner. Email is not a secure means to send and receive this type of data and shocking to me it was sent without my request or consent. ( Or that even they consider this an option to begin with ) I called into Servion XX/XX/2024 to complain about this, I spoke to XXXX XXXX. He told me this was normal and not to be concerned, he does it all the time with other customers data. I reminded XXXX that just last year Servion sent out letters about mishandling our data and a subsequent data breach. XXXX was quick to take no responsibility or accountability on behalf of Servion in that data breach. 

I can only hope someone with some sense and responsibility gets this message and provide/require the related 20 minute typical instructional video to their staff on how to correctly handle Private and Confidential user data. 

Even still now, after asking them to stop this and pointing out what bad practice this is, they are still XXXX ( sending copies, replying, forwarding ) of this email in question, trying to follow up with me, copying other people on their team, all in an email with my Private and Confidential information exposed. 

Its XXXX for crying out loud.
Product: Credit card

In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Information Services , Inc. continues to stall with regard to credit investigation. They asked that I confirm my identity almost a month ago. I sent in documents requested, and I get another letter requesting the same information. This is some type of stall tactic that this company is utilizing. But, I don't understand why when the law clearly states I have a right to request investigation of my [ personal credit ] report. Can someone please reach out to Equifax and ask them why they are refusing to check reports for errors?
Product: Credit reporting or other personal consumer reports

I am writing to formally notify your offices that I am a victim of identity theft and fraud. Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. This fraudulent activity occurred outside of my control as I was a victim of XXXX  trafficking, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have a {$13000.00} student loan through Granite State Management-Dir that do not belong to me. I have file disputes with XXXX XXXX and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with Granite State Management-Dir is hindering my advancement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became the victim of identity theft on Sunday,XX/XX/XXXX. I discovered this on Friday, XX/XX/XXXX. I have been working since then to correct this fraud and ensure that my credit reports from XXXX, XXXX, and Experian are corrected. While XXXX and XXXX  gave me no problems in providing a free, digital copy of my credit report, Experian has been consistent in refusing to provide a free, digital copy of my credit report to me. I have now spoken to three phone representatives and two managers/supervisors about the issue, and it has not been resolved. I agreed today ( XX/XX/XXXX ) to have my credit report mailed on paper and will have to wait 7 - 10 business days to receive this. I feel as though every day out from when the Identity Theft occurred on XX/XX/XXXX is an opportunity for mistakes on my credit report to be " set in stone '' and harder to remove. I am highly disappointed in how Experian has handled this situation, and wanted to report it to your agency in order to this to not happen to someone else.
Product: Payday loan, title loan, personal loan, or advance loan

Complaint against ONE main financial XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX I obtained a secured loan with my vehicle as collateral and rest of loan was supposed to pay off my credit cards. The rest was given to me as a check. It was a very easy process. A couple days ago XXXX XXXX. I was given option in the payment portal to open a larger loan to payoff current loan. I filled out information this time my son cosihned so his credit card would get paid off with excess funds. I was reapproved online for XXXX I didnt need or want that big of a loan. In the morning XXXX the manager of One main in XXXX XXXX had XXXX call me and rudely say they cant approve me because it isnt a good idea even though the computer online approved me after I uploaded me and my sons income plus they ran credit reports for us both. XXXX the manager is always rude to me when I call there because of prior disagreements for him paying my credit card off in beginning so he doesnt like me not my wife. Anyhow I wasnt satisfied and called corporate to explain that XXXX said I couldnt get a new loan corporate ran the numbers and income etc and said I could. A couple hours after speaking to XXXX the woman from corporate called back and said It will be approved but for lower amount. Then she called back stating she didnt have my income so I need to upload. So I did upload then next morning they said I wasnt approved because my sons income was less than what we uploaded?? I uploaded it again and they got correct income then they said I couldnt get the loan because I need to prove my son gets his income by uploading full bank statements for his income. I felt exhausted and felt they were playing with me by this time. Then the woman from corporate texted me saying she wants the full bank statement and I better not edit the income and dont take screen shots. Omg I was so frustrated I texted her back told her she is discriminating against me and accusing me of fraudulently editing income!! My sons income is only XXXX so I have then the direct XXXX  income award monthly letter and they say Im editing it and then she keeps saying to resubmit the whole bank statement.. I havent uploaded the statement because I feel they are deliberately harassing me because of XXXX my son and I income are enuf to get approved and they know it. This is discrimination in lending
Product: Mortgage

I would like to file an official complaint for misuse of escrow funds related to this a land contract that is serviced by Madison Management Services I have attached all relevant documents related to the land contract I entered, schedule of payments, and payment breakdown. 

I became aware of several issues related to this account managed by your company Madison Management, upon the receipt of the attached letter : Escrow Impound Sortage Notification. 

Please Reference the following excerpts from the attached contract for land that was agreed to and purchased by the landowner. This clearly spells out the provision that the Seller shall maintain timely payments for all taxes, insurance, and HOA dues. 

Item 7. Annual Property Taxes, HOA dues, and Insurance Premiums. Until the deed to Buyer is recorded, Seller shall timely pay all real estate taxes, HOA dues, and insurance premiums. After the deed is recorded, the Buyer shall be responsible for all such items. Provided, however, that all such items shall be prorated so that each party pays for its share of the period covered by such items. 

Current real estate taxes due : $ XXXX XXXX Delinquent real estate taxes : $ XXXX Current homeowner association dues : $ XXXX XXXX Delinquent homeowner association dues : $ XXXX Current special assessments : $ XXXX Delinquent special assessments : $ XXXX Item XXXX. Liability Insurance. Liability insurance may be kept in force by Seller for such coverage as Seller deems appropriate, including ( but not limited to ) coverage of {>= $1,000,000} per person and {>= $1,000,000} per incident. The cost of such insurance shall be paid ( as specified above ) by Buyer. 

Earlier in the year, I contacted Madison Management several times regarding a discrepancy in the number of payments and the payment amounts changed from the contract. According to the contract, at the time of purchase, there were 43 payments due at XXXX per payment. I have made all payments on time plus additional funds to be applied to principle. As of the XXXX Payment, there should be a balance of 35 payments due.
Product: Credit reporting or other personal consumer reports

Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address.
Product: Checking or savings account

I recently opened a checking and savings account with Chase bank with over {$18000.00} in checking and {$15000.00} in savings. I am traveling for work and tried to pull out funds to have access to cash. 

There was a {$500.00} limit. After calling customer support and escalating with Chase for over a hour on the phone they would not increase my limit to requested {$2500.00} per day or even {$1000.00}. Their reason is my card is too new even though the amount I requested was a fraction of the funds they have access to. The problem was declared unresolved and they refuse to increase the amount of access I have to my funds. This should 100 % be illegal as they are keeping me from accessing my money while they use it to generate wealth for themselves.
Product: Checking or savings account

trying to link XXXX  company to my PNC checking account but a security issue is preventing this transaction to take place ( XX/XX/20 )
Product: Credit reporting or other personal consumer reports

The name on my experience credit report is incorrect. I have told the credit bureau to fix it,
Product: Credit reporting, credit repair services, or other personal consumer reports

The information below is inaccurate for my employment background check. I have tried in the past to stop this from showing up its been a constant issue for me. I was never convicted of that felony or any other felony. 

Consumer Name SSN Client Name Client Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Case Reference # Name on File DoB on File Charge Charge Type Disposition Date Sentence XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received an email today XX/XX/year> alerting me that my SOFI credit card was closed due to 14 months of inactivity. This was the first email I received. The company gave me no advance warning. Had I received any communication that my account would close in 60 days or 30 days, I would have happily made a charge on it. When I called, the account manager told me there was nothing she could do and nobody else with whom I could speak.
Product: Debt collection

As of XX/XX/2023 Qualia Collection Services is reporting a collection account with the 3 credit bureaus ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$110.00} I have been disputing this account with the 3 credit bureaus for years. I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.
Product: Money transfer, virtual currency, or money service

I'm heir to my ex-wife estate she passed, we returned a new vehicle to the dealership we purchased it from, they mailed a agreed amount of XXXX the check was intercepted and cashed thus happened in XX/XX/2017 I just the other day got the dealership to get me a copy if the cashed check, I contacted the institution and they said that's between me and the auto dealership this conversation took place 2 days ago Please help