23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX 2016 the credit card company told me they mailed me a new card, I never received it, so they mailed me another XXXX. Neither card was requested by me and sent to me due to the credit card company putting electronic chips on the card. I received checks in the mail for this credit card for an offer for a zero % balance transfer. I could use the checks until XXXX XXXX 2016. On XXXX XXXX I deposited the balance transfer check for {$2900.00}. On XXXX XXXX the balance transfer check bounced. I called the credit card company and they said, the check is tied to the previous credit card number not my credit card account number so that is why the check bounced. Nowhere on the check did it say " if you receive a new card do not use these checks they will bounce '' NO WHERE. I asked the company to refund me the overdraft fee and bounce check fee and they refused. I spoke to a manager, he said " the bounce fee if from your bank, not us, we can not credit you anything ''. I asked for their Rep # or ID, they said they do not give those out to any customer, I asked if I can record him on my phone saying that, he said if you record me I will hang up, I am not allowed to be on a recorded call ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was a victim of identity theft. I immediately reported this to XXXX XXXX XXXX XXXX. Despite providing comprehensive evidence, XXXX XXXX denied all my fraud claims and began negatively reporting the fraudulent transactions on my credit report. 
I submitted additional supporting documentation as instructed by XXXX XXXX, but before they reviewed this information, they closed the disputed accounts and reported them as delinquent past XXXX  days. 
This has unjustly impacted my credit score and resulted in the loss of a {$XXXX} credit limit on my credit card, which had a perfect payment history before the fraud. 
XXXX XXXX has failed to properly investigate my claims or consider the evidence provided, leading to significant financial and credit damage. 
I request a proper review of the additional documentation supporting my claim, that these fraudulent charges be removed from my credit report, my associated credit card account be reinstated, and my credit limit restored.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please have them remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

While checking my credit score, showing missed payment of XXXX XXXX of XXXX, as I already paid my gas bill of XXXX in XX/XX/2023 on time as XXXX XXXX moved to new billing system but in credit agencies XXXX, XXXX, Experian credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.
Product: Mortgage

To Whom It May Concern, I am reaching out regarding my mortgage with Freedom Mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I have held this mortgage for many years, with an original balance of $ XXXXnow reduced to just {$29000.00}. Throughout this time, I have never been late on a single payment. 

I have always used automated payments through my bank, consistently paying a bit extra. At the time of the issue, my automatic monthly payment was set at {$1400.00}. Please find attached my bank statements confirming these payments. 

Summary of the Issue : -- XX/XX/XXXX : My mortgage payment increased from {$1300.00} to {$1400.00}, an increase of {$2.00}. 

-- Due to paperless statements, I was unaware of this minor change, and my auto payments continued at {$1400.00}. 

-- From XX/XX/XXXX to XX/XX/XXXX, Freedom Mortgage accepted and applied my payments without notifying me that my payment was short by just {$2.00}. 

-- XX/XX/XXXX : Freedom Mortgage stopped posting my payments and instead held them in a phantom account, wrongly charging me a late fee of {$52.00}. 

-- When I finally checked my statements in XXXX ( my bi-annual account check ), I noticed a large outstanding balance. After investigation, I immediately paid the {$12.00} difference ( related to escrow only NOT principal & interest ) on XX/XX/XXXX. 

Despite my payments being made on time every month, Freedom Mortgage refused to correct the erroneous 30-day late payment status reported to the credit bureaus.

After many phone calls, they eventually waived {$40.00} of the {$52.00} late fee, but they continued to report false late payment information. 

Impact & Request for Resolution : As a result of this error, my credit score has dropped from the XXXX to XXXX. I have multiple mortgages and have NEVER been late on any of them. 

I have attempted to dispute this through the credit bureaus, but Freedom Mortgage continues to provide incorrect information. I am now reaching out in the hope that you can assist in rectifying this mistake. 

If this issue is not resolved, I intend to pursue legal action, including a potential class-action lawsuit, as I strongly believe I am not the only customer affected by such wrongful practices. I will NOT stop until I get justice. 

I appreciate your time and assistance in this matter. Should you have any questions or concerns, please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : 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 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 Experian 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 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: Bank account or service

Between XXXX XXXX and XX/XX/2016, Capital One bank paid out twice on XXXX different checks written off my account. I discovered and reported the first problem when I got my XX/XX/XXXX bank statement and again in XX/XX/XXXX when that statement showed a second problem. I went back again in XX/XX/XXXX and again in XX/XX/XXXX, disputing the duplicate transactions. Capital One had paid out when the XXXX checks were scanned electronically, and then again when the exact same checks were presented as physical checks in later deposits. On XXXX XXXX, I found out that XXXX set of each payment never reached the payee account it was supposed to go to. On XXXX XXXX, Capital One 's final decision on my claims was that they were denying it because the checks had valid account holder signatures. I would like the appropriate Federal regulatory agency to investigate why the bank 's software allowed these duplicate transactions to occur, and force them to change their software and procedures to prevent it happening again. In the meantime, I am moving my funds to another bank, and have initiated a criminal complaint against the payee on the checks.
Product: Debt collection

The company failed to uphold their warranty guarantee for a defaulted product. I purchased the product on XXXX XXXX. The manufacturer has a 90 day sleep guarantee, I am unable to sleep comfortably in on the mattress due to the due to the default of the adjustable base. The company failed to compensate me for the issues that I had within the warranty guarantee. The technicians were unable to troubleshoot the issue over the phone. I spoke with both the retailer and the manufacturer, we were not able to reach an agreement. The creditor is still demanding payment on a malfunctioned product. The company has a clause for no returns, which would expose underlying issues with the product. Quality was exaggerated, both the retailer and the manufacturer failed to uphold the quality of the product.
Product: Credit reporting or other personal consumer reports

This is my OTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged extortion. 


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
Product: Debt collection

I received notice from XXXX  that XXXX  no longer contracted them for insurance and I was to be dropped. On XX/XX/year>XXXX  I purchased insurance with XXXX. Transworld systems Inc sent a letter for collection and on call they verified the amount was for the month of XXXX. I disputed it as my bank statement shows XXXX  collected XXXX on XXXX for the month of XXXX, and on XXXX XXXX  refunded me XXXX for the unused days for the XXXX policy period. 

The first time transworld contacted me I disputed the debt. I also called XXXX and XXXX. 

The second time TSI sent a letter XXXX I requested proof of debt as I had bank statements showing I not only paid, but XXXX XXXX part of the policy that was unused. XXXX nor XXXX have sent any prior notice. I informed TSI of this as the reasons I want proof of debt. They provided no proof and on XXXX they sent another notice to provide payment with no proof of debt. 

The letters are identical with only different issue dates for when they were sent out. As they refuse to provide proof of debt from XXXX or XXXX and this is the third time I have to call them disputing the debt and second time requesting proof of debt. I feel this falls under harassment as they are not fulfilling my request for proof and continue to threaten my credit report.
Product: Debt collection

I was robbed at gunpoint while at college in an apartment that I was placed in with other occupants based on profiles we each filled out. The apartment employee, XXXX, placed me with XXXX people he had wrestled with in a room that was down the hall from my friends. We each had our own bedroom/bathroom that locked in each apartment. The kitche/familyroom & washer/dryer were common areas that were shared by all. The XXXX gunmen that entered the apartment were looking there for another tenant that XXXX wrestled with and knew. This roommate had been in drug treatment facility and was a known drug dealer. I had just meet these people & had only known them for 3 weeks. My wallet was taken, my laptop, my new iphone 5 & games from my room. They locked us in a bathroom and left. We waited and then all went to other friends apartments and called police. Nothing was recovered, the police investigator said the XXXX gunmen were XXXX and they would not prosecute because they would just get out. We had pictures of them from cameras outside our entry door. The apartments kicked the XXXX guy out because it was his fault. They offered to move me and the other roommate to another apartment if I wanted to. I was scared and said I would rather go home. I arranged through the Dean at school to finish my classes at home. The apartments fired the lady over operations at the facility and a few other people because of all the problems with issues on property. The gate was never closed, doors left open & not secured, fights, etc. Police were on property XXXX times the XXXX weekend I was there. XXXX XXXX from the apartments corporate office in Indiana said that was okay and I left by XXXX XXXX, 2014. No one ever sent me anything, nor did they tell me I would owe anything. I did not receive anything until the end of XXXX 2014. My attorney sent them a letter and they said they would take care of it. Now, I start getting calls from a collection agency??? I have ask them to contact my attorney and given them his information several times. They continue to call. They have been very rude to my mother and even cussed on the phone, which we have recorded on our answering machine that was recording the conversation. The males who have called were nice, took the information but then we were disconnected. The females ( all but XXXX & there have been several ) are extremely rude, have cursed & are not professional at all.
Product: Mortgage

XXXX XXXX XXXX in 2015 gave me a loan modification they put {>= $1,000,000} or more into my balance they claimed it was for escrow missing payments home insurance some money to pay their lawyers and they claimed to people that was taking care of the house charges that they made up I started to make my monthly payments even that they gave me a payment I can afford 2 mounts into the new balance at this point they have made 2 loans one no interest no late fees no extra charges but my due date was the first of each month so it always looked like a late payment or missing payment 8 mounts ago XXXX XXXX XXXX sold my mortgage to XXXX XXXX and shellpoint mortgage services and since the first day this fraudulent company keep sending me a different amount Extra charges late fees and any other charges that XXXX XXXX XXXXXXXX couldn't charge I contact them and I asked them which mount I'm supposed to be behind but when I sent them the probe of that mount they keep saying it is another month they claimed is escrow but every year they adjust it if may home insurance go up or my taxes my payments started at the beginning of my new mounty Payne was {$1400.00} and this days I'm paying {$1600.00} and they say it is because the escrow they keep claiming I owed them
Product: Debt collection

A debt posted to my credit report by this company in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. 
They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter Upon further investigation, I realized this was a debt I disputed with the same company about a year ago. I can not understand the greed and thievery that is motivating their deceit. 
I just attempted calling, with no results.
Product: Credit card

Had trouble with JC Penny account charge and wanted to see if credit had been issued. Transferred back and forth between JCP.com and Synchrony Bank. After XXXX hours I got issued resolved but in process they closed my account and said that I had requested it. I said no that while being transferred/disconnected and reconnecting I punched the # XXXX on auto dial in and that led to closing of account. They did not believe me said they would research but would no reinstate my account. I would like to file a formal complaint against Synchrony Bank and the supervisor XXXX # XXXX
Product: Mortgage

I had a commercial mortgage on a property for 5 years which was always in good standing with XXXX XXXX. I recently ( XX/XX/XXXX ) sold the property and paid off the loan at closing. In addition to the property being the collateral for the loan, I also had to put up a " pledge account '' for collateral to XXXX XXXX. This was basically a brokerage account at another bank that the Lender ( XXXX XXXX ) had a collateral agreement over during the term of the loan. 

However, since the loan has been paid off, XXXX XXXX has failed to release the brokerage account held as collateral. On XX/XX/XXXX, 5 days after closing, XXXX XXXX informed me that it might be another 10-15 days before they can write the letter to release the collateral hold. All they have to do is write a letter, yet they feel no sense of urgency to release my account. 

With the loan paid off, they have absolutely no right to maintain the hold, and should immediately release the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

1. Account XXXX XXXX XXXX Account XXXX XXXX 2. XXXX XXXX Account XXXX XXXX 3. XXXX XXXX Account Number XXXX 4. XXXX XXXX XXXX Account XXXX
Product: Debt collection

I received a letter dated XX/XX/XXXX from a collection agency stating I owed {$800.00}. They stated the debt was in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was a victim of identity theft and Ive submitted several pieces of documentation regarding this. I have contacted this company by phone and they were rude and uncooperative.
Product: Credit reporting or other personal consumer reports

There appear to be accounts on my credit report that were added without my consent. Kindly investigate and delete these fraudulent entries.
Product: Debt collection

I recently filed a complaint on XXXX for my XXXX account 3rd party debt that I don't have any knowledge of. Now I'm filing a new complaint for XXXX account I have no knowledge of this account I am requesting sign documents.
Product: Debt collection

On XX/XX/2022, I spoke with XXXX XXXX of Wakefield and Associates about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " XXXX XXXX XXXX, XXXX, '' a group of XXXXXXXX XXXX that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from Wakefield and Associates, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my XXXX, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of XXXX XXXX received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am XXXX and I am XXXX year old. I move out from XXXX and I live in XXXX with boyfriend. I just went check my XXXX   XXXX and I found my credit only XXXX. So I went to see what wrong why it low and I found out i owe hospital bills on XX/XX/XXXX Also I wasnt there and I owe cable I never have cable on my name. I move in XXXX on XX/XX/XXXX. I was so upset my father was theft my name and lost my credit. So I dont want to pay my three owe.
Product: Credit card or prepaid card

Synchrony Bank that I have an XXXX XXXX XXXX card through has been harassing me. I have had a payment scheduled for at least two weeks ( including my late fees in the amount of {$180.00} ) from a prior payment that was due. Regardless of the fact that a payment was scheduled they have been calling me every single day at least 3x per day if not more for the last two weeks. I understand that money is owed to the company on my end but with other companies that I have accidentally been late on a payment usually as soon as I schedule a payment there is a promise to pay and they stop calling me. This company called me twice today and the payment is scheduled for today and shows up on the website account page as being scheduled. Yet they STILL call me!

I don't know if it's harassment but it's not okay whatever it is. I have had so many problems with this company in the past and as soon as the school costs that are remaining on it are paid off I am so done with this company they do not care about their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late pay on my XXXX  XXXX XXXX credit that over 7 years old and will not remove it from my history. This occurred in XXXX of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX