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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX I was rear ended pulling into work, my XXXX XXXX XXXX was totaled. I paid my first payment that morning before heading into work. My loan was paid off except for XXXX which I had rolled a XXXX XXXX XXXX over into this XXXX loan. I dont know how billing works but in XXXX I was credited XXXX to my payments. I called in XXXX and asked who made this deposit into my account, the man I spoke with said he didnt know that he thought it was the insurance company. Statements show my next payment was not due until XXXX/XXXX/XXXX in the amount of XXXX. Fast forward to XXXX XXXX and I get a phone call saying I am XXXX months behind and when I asked how they explained that the insurance department made a mistake. The XXXX that they applied was my warranty refund onto my payments and they had to fix it on XXXX XXXX when they caught the mistake they allocated it back to my warranty on the loan. So they said that makes me due for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX which is when I was told my first payment would originally be due. When I asked for a manager I got XXXX XXXX he said that he can not make any changes on his end but for me to ask the insurance department for a Payment Allocation to be done, he transferred me to the Insurance Department on Santanders end, I got XXXX the manager in the insurance department he stated that it was a mistake but nothing can be allocated anymore and I must make these payments as soon as possible. I asked how I am liable for a mistake they made and why cant my loan be extended then to fix their mistake. I was told nothing can be done and I must still come up with the money. On XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I spoke with another XXXX named XXXX at XXXX, he saw my frustration and said he will escalate my case higher up because that seemed wrong to him as well. On XXXX/XXXX/XXXX at XXXX am XXXX XXXX from the XXXX office called to speak with me, he said they can get rid of all my late fees for me but they will not extend my loan and add the payments to the end of the loan, and they will not allocate the warranty payment back to the principal for me. My internet access was cut off on me and when I called the president office back they said that when a loan is changed from my main loan to this totaled loan that they get rid of internet access for us. Why then does my latest statement from them ask me to go online and update my number and update a work number. They are being very sneaky and not letting me have access to my statements. I have a statement from XXXX/XXXX/XXXX showing I am not due until XXXX XXXX and now a statement from XXXX XXXX showing I am delinquent and over XXXX days late now. I cant have this hurting my credit because of a mistake made by Santander.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, Experian, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

Details of the Inaccuracies Incorrect account dates that do not match the original creditor 's records. 
Inaccurate balance amounts, which are not consistent with actual account statuses. 
Payment history errors, such as reporting late payments that never occurred. 
List of Accounts with Errors The following accounts contain inaccuracies : Account XXXX : XXXX XXXX XXXX XXXX Account XXXX : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I discovered inaccuracies on my credit report so I sent a dispute letter, My Demand is hereby made for FIRST FED CREDIT & COL to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information.
Product: Consumer Loan

My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company XXXX XXXX added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had Experian dispute it and they left on my report ... XXXX removed it from theirs XXXX XXXX XXXX   XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

PS sent me a letter dated XX/XX/XXXX which stated that SPS is aware of the issues presented in my RESPA letter and would like to work with me to reach a resolution. However, when I called them they were not able to provide any options for a resolution. I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. There have been so many accounting issues that an SPS employee, XXXX XXXX stated during a phone call that it is impossible to validate historical amounts because the loan data came from a previous servicer. My XX/XX/XXXX Mortgage Statement, notes that my XX/XX/XXXX unpaid payment is {$3400.00}. However, on my XX/XX/XXXX Mortgage Statement it shows my XX/XX/XXXX unpaid payment was {$2400.00}. To date they have not provided an explanation. Finally, they raised my interest rate to over 7 % and did not send a notification. Now, they are threatening to throw me, my XXXX children and XXXX dogs onto the street within days of the holidays. They need to do what they said and work with me on a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the inaccurate date of deliquency with Experian and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however XXXX still reported inaccurate information to Experian that is negatively and inaccurately reporting on my credit report. XXXX also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with XXXX and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you for looking a my complaint. XXXX and TransUnion done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile
Product: Debt collection

On XXXX XXXX I received a collection notice from Credit Collection Service in the amount of {$160.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Mortgage

I refinanced a mortgage held by Carrington Mortgage Services LLC to another financial institution in XX/XX/XXXX. I closed the refinancing on XX/XX/XXXX ; the funding was completed on XX/XX/XXXX. On XX/XX/XXXX I  contacted Carrington 's customer service department. During that call Carrington told me I was owed {$2200.00} by them and that I should receive a check for that amount in " 15 to 20 days. '' I asked to clarify that time frame further and was told to expect the payment by XXXX at the earliest and XXXX XXXX XXXX XXXX at the latest. 

I have now waited more than 23 business days and 36 calendar days -- and still have not received the {$2200.00} Carrington owes me. I have called Carrington 's Customer Service department several times ( weekly ) and all Ive gotten are excuses. I was told the check for my {$2200.00} was printed on XXXX XXXX ( XX/XX/XXXX ), and then later told it was printed on XX/XX/XXXX. I was later told the check number ( # XXXX ) and that the checks in the mail. I was later told checks take a long time to get out of the building and remember, theres lots of returns being made after XXXX so the Post Office is really busy and the checks go snail mail and its really slow as a snail. 

Ive been told to ask the mailman where it is. Ive been told to wait another week, and to wait another week and to wait a few more days and that you dont want to report that check missing, because then we just have to start the process all over again and it will take at least 30 days before another check is sent. 

It appears Carrington is deliberately slow-rolling the process of refunding money due to their customers. Request your assistance in recovering the money due to me from Carrington.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as XXXX XXXX Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. XXXX  stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to XXXX XXXX. I never received anything from the bureaus or XXXX XXXX. Today XXXX   alerted me that XXXX XXXX added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed Equifax that the XXXX XXXX from XX/XX/XXXX was an error. I bought a couch on XXXX. As I was checking out there as a link to their Credit Card. I simply clicked on it to see what the interest rate would be and then I went back to completing my purchase with my XXXX account. I contacted Equifax and they suggested I call the creditor. I contacted XXXX XXXX  and they did their own investigation. They sent me a letter on XX/XX/XXXX that they would contact the credit bureaus to request the item be removed from my reports. XXXX has removed the inquiry but Equifax has not. I have contacted them numerous times and sent them a copy of the letter but they have done nothing. My first " case '' was closed without resolution so I started a new one. I went through all the same motions and was contacted by the second " customer care '' representative XX/XX/XXXX. She has asked me to give her the details of my complaint.I haven't heard a word since. It's extremely frustrating and I'd love for you to help me get this rectified once and for all. Thanks very much.
Product: Credit reporting or other personal consumer reports

Despite providing evidence of identity theft to creditors and the credit bureaus multiple times per year since XXXX, there is persistent incorrect information on my report. From bureau to bureau the amount of debt varies, payment history reporting varies, account status and comments vary. This has caused there to be a significant difference in the scores for my profile at XXXX, Equifax and XXXX and has prevented me from securing a home loan among other types of credit over the years. I have called the creditors directly, mailed letters to the creditors and the credit bureaus and have filed reports with my local police station and the FTC. No avail. I want to stop being punished because the bureaus have failed at validating debts properly.
Product: Credit reporting or other personal consumer reports

All my information was hacked into the data breach. all the information that was on my cellular phone was compromised. everything is exposed on XXXX and other platforms. all social site have been hacked as well as credit reports/Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Afni reported an account they new was fraudulent XXXX reported I informed them that was fraudulent
Product: Credit card

Called milestone about account summary and payment information I received on a credit card I never opened! I spoke to a lady named XXXX in the fraud departments. Her number is XXXX. I explained to her this is a fraud case because I've never heard of this milestone. It's also a XXXX XXXX out of XXXX, Georgia. There's not even a correct address. It's called concora credit. They have charged me {$170.00} in fees. No goods were charged to the credit card.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 or other personal consumer reports

I requested my 1099-C for a paid off car loan, and they told me they couldnt send it. This is from XXXX XXXX finance through Chase bank.
Product: Credit card or prepaid card

American express failed to honor targeted upgrade offer for XXXX $ statement credit after XXXX minimum spend and keep your current interest rate when upgrading from blue cash everyday to blue cash preffered credit card. 

I upgraded the card on or around XX/XX/XXXX. 
My interest rate at the time was 9.99 % per a promotional rate applied in XX/XX/XXXX. 

I received no email confirmation that I had upgrade my card or made any changes to my account. 

I then received the new card inthe mail with terms and conditions stating a new rate of 24.99 %. 

I met the minimum spend of {$2000.00}. 
The XXXX $ statment credit has not been honored as of XX/XX/XXXX. 

I called in to inquire about the missing promotions on XX/XX/XXXX @ XXXX. I spoke with a representative who said she could not honor the upgrade offer. I spoke to a manager who said they would submit a case that would take 8 weeks and later said he would submit a case to investigate that would take 2 weeks. 

I called back to inquire about the case on XX/XX/XXXX at XXXX XXXX. I spoke with a representative who said the investigation had determined no offer or promotion had been applied to my card at the time of upgrade and that he would not honor the promotion. He transfered me to a manager. the manager stated she would submit another case and call me back by XX/XX/XXXX. She did not call back. 

I called american express on XX/XX/XXXX at XXXX and spoke with a representative who stated that I had never had the 9.99 % rate on my card. This is false. He stated he would not honor the upgrade offer. 

I spoke to his manager who stated the same. I stated I wanted to cancel my card and was transfered to retention, I spoke with an agent in retention. He stated that he would not honor the offer because of the results of the case submited several weeks prior. He then stated he could not see promotions from XXXX, that he hadn't worked there then and had just started. 

American Express failed to send me any confirmation documents of changes to my account. 
American express failed to honor a targeted off they made to me that I accepted online through my account home.
Product: Debt collection

Butler, Butler, & Rowse-Oberle PLLC filed suit against me without my knowledge. This firm is a debt collector attempting to collect on a debt to which they have no claim. They have no first hand knowledge and therefore can not be granted relief. 

The Fair Debt Collecting Practices Act 805 ( a ) states, " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' A correspondence dated XX/XX/2016 was received from Butler, Butler, & Rowse-Oberle PLLC, stating that they were retained to collect a debt and that I had the right to dispute the validity of the debt, which I did, because I have never conducted any business with Butler, Butler, & Rowse-Oberle PLLC. A Cease and Desist was also issued with the notice of dispute. 

According to the Fair Debt Collecting Practices Act ( 812 ), a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " It is no awful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. '' In reply to my disputing of the validity of the alleged debt, a correspondent dated XX/XX/2016 was received, where Butler, Butler, & Rowse-Oberle PLLC failed to provide sufficient proof of their claim to the debt. XXXX also sent copies of copies of agreements between XXXX and myself with intent to use as proof that her firm has claim to the debt. 

In addition, the Fair Debt Collecting Practices Act 811 states, " any debt collector who brings any legal action on a debt against any consumer shall in the case of action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located. '' XXXX of Butler, Butler, & Rowse-Oberle PLLC does not have a contract or interest in real property with me and therefore can not bring a claim on behalf of another party.
Product: Credit reporting or other personal consumer reports

I was really upset to find unauthorized inquiries on my credit report today, and I have no idea why they appeared. When I checked it, like I always do, these discrepancies suddenly showed up. I tried refreshing the page, thinking it was an error, but nothing changed. The unauthorized inquiries remained. I urgently ask for a thorough review of the documents Ive submitted so that I no longer have to worry about this issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to repeat and exploit the system, leaving users vulnerable to these scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I have had a credirt card and did not receive my billfor at least one year, then it was placed in collections and I questined them. Their was an address issue, they did credit me interest charges for a year and I asked them because of their error to pay some of the principal balance. They rejected this
Product: Debt collection

After some incorrect accounts were removed from my credit report, I suddenly found another entry from THE CBE GROUP INC-FORMER indicating that I owed {$400.00}. I am puzzled because I have no recollection of any such debt. To clarify the situation, I contacted the only company I had a service with, which had disconnected my line due to poor service, and asked them to provide any statements or records of unpaid bills. However, they claimed they had no information or statements to offer. 

To my surprise, THE CBE GROUP INC-FORMER has now appeared on my credit report seemingly out of nowhere. I attempted to dispute the entry, insisting that it was an error, but they maintained that the information was accurate, disregarding my explanation of the mistake. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.
Product: Debt collection

The company has been contacting me for a year trying to get me to pay from a dispatch office which first contact was XXXX XXXX. The debt I owed is now in collections and they are trying to collect more then the amount owed. My debt is {$200.00} and the collector is asking me to pay {$1100.00}. They call me at all times of day and call my references and job I don't even work at. They are stating I will be sued and incarcerated if I do not pay them. I tried to settle it once but the payments were going to some off label company not the debt collector company. I don't have all the calls because of my call log history but I can provide it.