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

I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.  XXXX   XXXX  gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 other   Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Product: Checking or savings account

Notice of insurance claim notice of FDIC insurance claim notice of interest notice of proceeds m notice of claim. Accounting of credits need to be updated and available, notice and demand
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i made external bank trasfer for {$530.00} and it said it would take like a week. I needed it sooner so, since i had enough i sent another {$530.00} to XXXX XXXX expecting the other {$530.00} to arrive at some point. It never made it to my external account. All they bring up is the XXXX XXXX one. I had enough for BOTH which is why i did both. I talked to a lady on the phone, she verified it went through, on a recorded phone call. But they say i never talked to an agent. Wont prove it, because they can't. The bank to bank external transfer was made like 1 or days prior to XXXX XXXX. So XXXX XXXX should have been denied if anything
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the accuracy of information contained in my credit report. Please investigate the following item : - Account Number : XXXX - Creditor Name : MIDLANDCRE - Type of Account : Credit - Date of Account Opening : XX/XX/XXXX - Description of Inaccuracy : Incorrect balance, late payments reported and address is inaccurately As per the Fair Credit Reporting Act ( FCRA ), and specifically under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from reporting inaccurate or misleading information. I am exercising my rights under these statutes to request that you investigate this matter promptly and correct or remove the inaccurate information from my credit report.

According to 15 USC 1692c, debt collectors must also cease communication with consumers upon written request if the consumer is represented by an attorney with regard to the debt. Please ensure that all communications regarding this disputed item comply with these legal requirements. 

Please provide me with a written confirmation of the actions taken once your investigation is complete. You can reach me at the address listed above or by phone at [ Your Phone Number ] if you require any further information. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I " may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information.
Based on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. 

Equifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. 

The best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).
Product: Credit card or prepaid card

I have a store credit card issued by Comenity Bank with a {$200.00} credit limit. The minimum amount due each month is {$35.00}. On XX/XX/XXXX I started sending in payments of $ 50 monthly. I'm on a fixed income so the payments are setup on bill payment on the 3rd of each month and are set electronically to Comenity Bank. I don't receive a bill each month because I was setup on paperless billing. I noticed that the balance had not been going down and I still owe them {$140.00}. I was able to setup an online account with Comenity Bank yesterday and we I logged in and reviewed my account I noticed that I was being charged a {$35.00} late fee each month after the {$50.00} payment was made. I've never missed one payment, I reached out to Comenity Bank on XX/XX/XXXX spoke with a senior Representative named XXXX who apologized and said he wished I would of called sooner about this and that he would credit the late fee for XXXX. This is wrong business practice I should of been made aware of any late fees that were being applied to the account and I would like something to be done about this. I need to be compensated for the money that's been taken away from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Ally Financial [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Dispute of Unauthorized Reporting to Credit Bureau To Whom It May Concern I am writing to formally dispute the reporting of my information to any credit bureau by Ally Financial. This action is not only unauthorized but also a blatant violation of my rights under the Fair Credit Reporting Act, specifically referencing 15 USC 1681a ( 4 ). 
It is imperative to understand that I have never granted permission to Ally Financial to report my information to any credit bureau. The lack of consent is clear, and your decision to proceed with such reporting is wholly unacceptable. This egregious action has not only harmed my credit profile but has also caused undue stress and complications in my financial dealings I demand that you take immediate action to rectify this situation. Specifically, I request that you delete any and all information regarding the alleged account from my credit profile. Failure to comply with this request will result in further action, including but not limited to, filing complaints with the Consumer Financial Protection Bureau and seeking legal recourse for violations of my rights I expect a prompt response confirming the deletion of this account from my credit report within 30 days. Should you choose to ignore this request, be aware that I will not hesitate to escalate this matter further This situation needs to be resolved immediately. I expect your cooperation in ensuring that my credit history is not tainted by your unauthorized actions Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/NAVIENT  XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans. 
I was online looking at refinance rates and I filled in my name on their website, once I got to the following page where they wanted information from me to run my credit score I closed the window and didnt complete it. This was over a year ago and they have been doing hard inquiries on my credit 2-3 times a month ever since. 
Ive called them to stop but they keep asking me for important information that I dont want to give them and they simply refuse to do anything. On top of that I am bombarded with their sales calls which Im not sure how they got my number. There are thousands of stories about this when I search for it and I cant get them to delete me from their system even though I have no business with them whatsoever. 
I have had the credit companies remove some of the inquiries but I cant keep up with them. 

Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX   XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry TransUnion XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX  XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint against ConServe for engaging in abusive and unfair debt collection practices, in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have furnished a collection account on my credit report that I did not agree to or participate in, as there was no legal contract between the parties involved.

Under the FDCPA, debt collectors must follow a strict five-step validation process before pursuing collections. However, Conserve failed to adhere to this process. They did not provide proper validation of the debt, which constitutes an unfair and deceptive practice as prohibited by the FDCPA.

Additionally, the furnishing of this account without my consent or involvement violates my rights under the FDCPA. Per the act, I am entitled to compensation of up to {$1000.00} per violation, and I request the enforcement of this provision given the clear violation of my rights. 

I kindly ask that you investigate this matter and take the necessary steps to ensure that this collection is removed from my credit report and that appropriate penalties are imposed on ConServe for their violations. 

Thank you for your time and assistance. I look forward to your prompt resolution of this issue.
Product: Mortgage

I started a short sale in XXXX XXXX with XXXX XXXX as the executor of the property that was owned by my mother. When we found a buyer we started the process of submitting documents to XXXX XXXX. Since this was a XXXX XXXX loan, we were directed to submit the file to XXXX XXXX directly and they would work with us to get an approval. While negotiating with XXXX XXXX they sent an e-mail with a counter offer to the offer that was submitted. The buyer decided to accept the counter. While the amended documents were being prepared, XXXX XXXX informed us in XXXX the loan was sold and we had to wait until XXXX XXXX to get in touch with the new servicer. They informed us that we would have to start the process over again with the new servicer. We waited and submitted the offer again to the new servicer, Selene financing. After the servicer reviewed the documents and the value, on XXXX XXXX we were told the investor has to net {$380000.00}. The buyer had to increase the offer which he agreed to and we submitted all the amended documents. After waiting over a month for a response, on XXXX XXXX we received an e-mail that the investor has to net {$400000.00} based on the new value that was received from an exterior BPO. However this was not the net that we were told on XXXX XXXX. We were told the change in value was due to a new exterior BPO that was completed. This property is an estate sale that has been sitting empty for a year. During the winter months, pipes froze and burst and there is water damage, mold and other issues that need to be addressed in the property. Therefore an exterior only BPO would not allow for an accurate value of the property. Additionally an Inspection report was also submitted with the offer which provided the details of the disrepair in the property. As the executor of my mothers estate I am doing the best that I can to manage the sale of this property. However, I am currently on working for the government in XXXX and this process has been very frustrating and tedious to say the least. The amount of paperwork and the back and forth while I am in a different time zone has not been easy. I would like assistance in getting this short sale process completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Avio provides me with competent evidence that I have any legal obligation to pay them. I am asking the Avio to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5.  Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Avio immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I also demand that the XXXX XXXX XXXX agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Avio agrees to remove my personal information from all accounts in its companies database.
Product: Mortgage

My loan was sold to XXXX / LoanCare. Since then, it has been a miserable and stressful experience. Payment attempts take a long time to process. The website does not show account data in a clear manner. There is little to no support and the phone system is circular, seemingly designed to avoid you from reaching a human. I keep getting calls saying i'm behind even though the site says i'm current. And because of the confusing layering of the loan owner and loan servicer its difficult to determine where to login, and you frequently have to log in to both site to mange your account. The reps are polite but unhelpful. They ask you for your XXXX several time per call. 

They make it so hard to pay them.
Product: Debt collection

I have been receiving multiple letters from the law offices/collection agency of Linebarger, Goggin, Blair & Sampson , LLC , located XXXX, Texas. These letters state that I am subject to immediate arrest for unpaid violations/citations and other court matter which do not exist. It instructs me to make a payment of almost {$4000.00} to their agency immediately. I have tried contacting there office ( s ), to no effect.
Product: Credit card

This is from CitiCorp via Best Buy credit card. I opened it over a year ago and only used it to buy a laptop. Now, a year later, they charged my account {$180.00} for a year of XXXX XXXX. When I first got the bill - about 2-3 months ago, I called them and said I did not approve the charge, and to cancel my card. Multiple times. Each person I spoke with gave me different information. They said I would have to contact XXXX XXXX. Why should I go through hoops for a charge I didn't authorize? Contacting XXXX XXXX did not help. 
I have gotten a MINIMUM of 3 to 5 calls every Monday through Saturday. Some as early as XXXX XXXX. to as late as XXXX in the evening. They have 'dinged ' my credit score, which was in the XXXX. This has turned into a giant aggravation/hassle. They are not acknowledging that I did not approve the charge, nor have I used XXXX XXXX for anything. The calls start as robo calls and then transitions to an agent. And I am also getting calls from numbers that my phone is calling SPAM. I own my home and cars outright, and always pay bills in a timely fashion, in full. 
Citicorp is a bully, and doesn't seem to care about the info I have given to them.
Product: Credit card or prepaid card

A company known as XXXX XXXX also known as XXXX XXXX has made attempts to collect money not owed and processed transactions for items I did not receive. The company attempted and completed charges to my credit card for items not owed nor did I receive or have possession of. XXXX XXXX also charged my card for amounts not even initially agreed upon in the amounts of {$140.00} and {$20.00} because the agreed to amount was {$280.00}. I initiated a contract in XXXX of XXXX for furniture for my father who has become ill. The first amount was processed that month in the amount of {$280.00} and would be {$280.00} thereafter according to the agreement. My credit card was charged for random amounts such as {$20.00} and {$140.00} which was never agreed to. The furniture was order in XX/XX/XXXX and I was told it would arrive in a few weeks. I was concerned with my father 's health and what would happen if I wanted to cancel the items and was told not to worry because I would be able to cancel the items at anytime and any amounts paid would be refunded in the event he had to have assisted living. My father became XXXX XXXX in XXXX of XXXX and I called the XXXX location to cancel the items which is where I initiated the agreement with XXXX XXXX and they said it would all be taken care of. I brought my father to the XXXX County Hospital Emergency Room in XX/XX/XXXX and he ultimately passed away in XX/XX/XXXX. However, I was still being charged for the furniture I did not pick up and XXXX XXXX stated that no one cancelled the order as discussed, but knew that the items were still at the XXXX location. I emailed XXXX XXXX in XX/XX/XXXX basically reiterating the same conversations I had with the XXXX location and with XXXX XXXX explaining that these items were cancelled and are still at the XXXX location. Everyone acknowledges that the items are at the XXXX location but still will not process a refund. I had these charges put on my Discover card thinking that I would have some protection in the event of problems because I was paying for items in advance of receiving them. I contacted XXXX to have these charges reversed because no one is doing anything at XXXX XXXX or at XXXX about these charges to my credit card. XXXX informed me today that their options are limited and said that the charges will remain on the card. Its like a nightmare because I have to relive the time my father passed away by having to re-explain why I cancelled items for purchases for a loved one that passed away. I am simply requesting a refund for items which is only fair because I never had possession of those items nor did I receive those items. 

I will attach a copy of the follow up email I sent to XXXX XXXX back from XX/XX/XXXX which they never responded nor returned any of my calls and an audio recording of them acknowledging that the lease was cancelled but no refund was ever issued.
Product: Credit card

I enrolled in automatic drafts to pay my credit card. The drafts stopped and I was charged XXXX fee XX/XX/2023 This is not the first time I have had a problem with capital one charging me fee 's. It's to the point, where I want to close all my accounts. 

They can see my checking and know that I am on a fixed income due to have a XXXX XXXX child.