23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery continually keeps harassing me at my place of business even though they have been told repeatedly to stop calling me at work. This is causing my boss to become irritated and I am at risk of losing my job due to the constant phone calls.
Product: Credit card or prepaid card

I was enrolled in a reward incentive program when the card was open in XX/XX/2021. The cost was a {$XXXX}. That states if you have no scratches or repairs made on your furniture the first year. You will receive your {$XXXX} back. I have not received my money back.
Product: Credit card or prepaid card

I call the companies in XXXX, XXXX and etc each time they said they would stop the calls but I'm still receiving calls.in XXXX of XXXX I told them don't call back.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligation under the Fair Act Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputing information on my credit report leaving inaccurate or unverifiable accounts unresolved the customer financial protection bureau has recently filed a lawsuit against Experian allegingly systemic issues such as failing to forward customers provided evidence to furnish account accounting acceptable unreliable responses and fail and failing inaccurately notify customers of dispute outcomes .These failures align with my experience we're Experian has neither corrected nor remove the problem. I provided causing on going harm to my credit standing I am requiring immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Called Equifax to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Product: Credit card

I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debts belong to my father who died from XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices MBA {$2600.00} XX/XX/XXXX ) ( XXXX  XXXX. XXXX accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX  {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX  XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$590.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1700.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

This is additional information to my complaint already submitted and this is pertinent information. I just set up 2 mortgage payments with Select Portfolio Servicing Company and was asked if I wanted to pay something towards the over {$600.00} fees. I was shocked and looked at my statement and advised XXXX ( rep ) that I see something on my statement that says " other charges and fees '' {$370.00}. I asked her what that charge was for and she said I was looking at XXXX statement and fees are now over {$600.00}. ( I ca n't remember exact amount. XXXX advised that each time someone does a drive by to check if my house is occupied, there is a fee. She stated if a home inspection was done, there is also a fee. I was shocked to think over {$300.00} is charged for something like this. First of all, NO home inspection was done. I have XXXX big dogs and people do n't come near my house, nor did I set up a " home inspection. '' Second of all, there is no reason for this company to think this property is n't occupied considering all of the correspondence between us. Someone please check into the fees I 'm being charged as I do NOT agree with this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not investigate my issue either time I filed a dispute. 

My last dispute was submitted on XX/XX/21 and received notification on XX/XX/21 that the investigation was complete. I am due a fair and proper investigation. 

If investigated as it should be, you will find that Transunion did NOT verify a bankruptcy thats reflected on my credit report. 

Their original notification indicated that the US Northern Bankruptcy Court was the source and it was verified through the court. 

I have documentation ( provided to Transunion ) indicating that the bankruptcy court does NOT verify bankruptcies. 

This information was illegally placed on my credit report as no information was verified. It is illegal to place items on a credit report without verifying the information first.
Product: Mortgage

I received a notice from Seterus regarding my monthly payment and I paid the amount that Seterus told me I owed, then my interest rate on my harp loan was increased, which increased my monthly payment when I became aware of the situation I contacted Seterus and was told that one of my payments went towards paying fees, I was also assured that Seterus had discovered the mistake and it was going to be taken care of and the payment I made would be put towards my monthly payment, I also made an additional payment to take care of the increase in my interest rate, a couple of weeks ago I discovered that Seterus did n't put my payment towards my mortgage but kept them as fees which left me a month behind, so I contacted Seterus and was told that I had to fax my request because the initial request could n't be processed in house, so I faxed my request as instructed and just received a letter from Seterus which looks like a veiled threat to repossess, I also do n't know how much fees were added to my account because of the confusion by representatives of Seterus, at no point was I ever contacted by Seterus or was giving an opportunity to rectify the situation when I first contacted Seterus, in fact, I have been assured repeatedly by representatives of Seterus that the problem was their fault and could be rectified without any issues
Product: Credit reporting

I have reached out to all parties associated with the UNAUTHORIZED inquires. The company states that is is the credit bureau who removes inquiries. I reached out Experian with no result and the worst customer service dept ever. Who has no knowledge on anything and can never provide you with a supervisor. These inquiries was ran without my knowledgement. These inquiries are not for any credit offer, insurance etc. The was done online according to the companies. There is company of and id or social security card or signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information, personal identifying information, and financial history were compromised in the XXXX Equifax breach. As a result I 've placed security freezes with the XXXX credit agencies, totaling {$31.00} in fees.
Product: Credit reporting

According to my XXXX XXXX, XXXX, Experian Credit Report the following items should have been removed : XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX. 
XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX, XXXX Card, acct # XXXX ... XXXX date it should have been removed XXXX XXXX. 
These cards were taken off of XXXX and XXXX but not Experian. Since they are past due to come off Experian, according to their report anyway, I am asking that they be removed ASAP.
Product: Debt collection

FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report Acct XXXX
Product: Debt collection

XX/XX/2016 collection name is M & M credit XXXX XXXX XXXX XXXX, MI XXXX Amount : XXXX usd This Collection is an amount that I claim no responsibility over the debt is not mine. Im most likely a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

West lake financial services located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
Product: Credit card or prepaid card

I am a XXXX individual whereby I receive my income once/mo at the beginning of the month. My credit card was opened in XXXX  with a due date on the XXXX of every month. I requested a due date change several times from XXXX to now and was denied each time without a valid reason. My credit was perfect until the pandemic and I should not have been denied a due date change in XXXX. Therefore, my issues are as follows : The due to my XXXX check/due date conflict caused my payment to be late. Since XXXX I have been charged {$1200.00} or more in late fees and I am requesting a refund. I have requested a list of late fee charges and a REFUND and to talk to supervisors to no avail. 
BOA responds but with a letter that does not address my denial for a due date change several times since XXXX when I opened the account. I need this addressed and a refund of all late fees. Thanks
Product: Debt collection

Company continuously contacted me about a debt. I explained that I never received a bill and did not believe I owed any amount. Requested a copy of the bill and they sent me the debt collection letter. 

Threated that if I did n't pay the amount would be reported to my credit. Said I should pay because the amount was small and that I would n't want an amount that small affecting my credit. 

They effectively strong armed me into paying a debt I still am not certain that I owe
Product: Credit card or prepaid card

I am writing to complain about a transaction on my Chase XXXX credit card. 

I filed a dispute for a charge of {$7700.00} to my XXXX XXXX XXXX account ending in XXXX. The subject charge was posted to my account on XX/XX/XXXX. The charge is for a cruise purchased from XXXX, the cruise provider. The cruise date is XX/XX/XXXX. On XX/XX/XXXX, XXXX informed me through my travel agent that XXXX was suspending all operations and was cancelling the purchased cruise. XXXX has filed bankruptcy and is currently in the process of liquidating all its assets. Therefore, the purchased services have not and will not be provided by XXXX and in turn will not be received by the undersigned as the purchaser and cardholder/obligor. 

I filed a secure message with Chase on XX/XX/XXXX requesting refund due to non-performance. On XX/XX/XXXX I receive communication back through Chase Notices and letters about my accounts. The statement said Based on the information available, we found that a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit my account. The merchant isnt required to credit my account because the charge took place too long ago. I followed up with a phone call and spoke to Chase to try and get more information about the denial and was told XXXX days is the limit and we are at XXXX. Chase has denied my claim on the basis that the dispute was not timely filed in accordance with Chases filing deadlines ( based on the date of the charge in XXXX ) and said it was a rule imposed by XXXX. 

I informed Chase customer service representatives telephonically and their Disputes Department in writing, the purchased cruise services scheduled for XX/XX/XXXX. Clearly, the basis for the dispute did not arise until I received notice of cancellation from the cruise provider on XX/XX/XXXX that it was suspending all services. As indicated above, XXXX is no longer operational and is liquidating all assets. Therefore, a dispute of this nature could not be filed until notice of the cancellation was received from XXXX, after which time the dispute was timely filed. 

I believe their customer service representatives are misinformed regarding the companys policies with respect to the timeliness of filing disputes, along with the requirements of the Fair Credit Billing Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Although it is generally a customers responsibility to file a claim within XXXX days following the statement containing the disputed transaction as provided for under the XXXX, and the general time frame allowed for chargebacks under the XXXX chargeback guide is XXXX days from the transaction date, when the merchant is bankrupt, that time frame is generally extended to XXXX  days from the expected date of service. In this case, the expected date of service is XX/XX/XXXX, so the filing of the subject dispute is timely.
Product: Bank account or service

USAA has been sending unauthorized ACH Payments to XXXX under different accounts for 2 years. They are refusing to do an investigation and teturn my monies I have photos of excessive ACH withdrawals from my checking. I am requesting someone to investigate and follow up! I am overwhelmed with multiple banks and transactions since My identity has been compromised
Product: Checking or savings account

I was contacted by my bank form the XXXX number that is on my credit card/debit card, they stated they were from the Wells Fargo fruad department and I had XXXX dollars bieng taken out my account form XXXX. If I didnt fix it now tomorrow morning it would be to late to get the funds back. They asked me my last 4 of my card and I stated that i wasnt comfortable with that he said the we have the card number just verify it so he read my card number to me, He also had all my bank info so I asked to speak with a manager and hung up. I called the XXXX number waiting for a person and the call came in from the same number so I answered it and I ladie stated she was the manager and gave me her ID # XXXX. She was here to assist me so my money wasn't taken and told me to follow all the steps to retrieve my money. The problem was thru XXXX and we had to go thru a process that she was watching from her office, so I did what she asked and I was scammed! The sad part is that I thought it was real because she called from the banks XXXX same as on my card. I called the bank that night to speak with the lady again and to my surprise No such name or Id number. So I asked the other lady to cancel all transactions but she said it was to late. So I cancelled my debt card and was sent a new one also asked for a fraud specialist, the fraud n # was XXXX / XXXX I received a letter stating that Wasn't getting my money back and they will continue to ask XXXX for my XXXX dollars. So frustrated trust when they called me now I'm out the money. PS I have been with my Bank since 1992 and such a disappointment. 

Respectfully submitted XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My letter dated XX/XX/2018. With application # XXXX was reported I was denied credit for subjective measures stated as ; 1. Monthly payments owed are too high relative to recent Wells Fargo deposits, and Remaining income after monthly debt payments is too low. 

I called to speak with Wells Fargo regarding these issues on subjective data measure decision making in regards to this application. When asked to objective measures they could not relay any. I again made reference to credit scores and objective measure which is used to determine credit worthiness were 1. on application was XXXX and 2. on Wells Fargo report was XXXX. These were provided as attachments. 

Again I asked for other objective measures which they could have used to make these credit decisions. Nothing was provided merely being transferred from one representative to representative. Nothing was provided accept y credit score of XXXX which is excellent. 

So I could only conclude that Wells Fargo uses discriminatory practices in determine the issuing of credit as for every objective matrix I had and was provided to me by Wells Fargo states I am an excellent history in using credit responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion. Firstly i had to look up 3 numbers to get a person. Secondly it was called XXXX. It seems to me that Transunion & all the credit companies should have customer service call centers or representatives in the USA -especially after a pandemic when everyone is complaining about job placement. 
I tried 4 times and every time we are breaking up the phone is breaking up and they hung up on me. This was from both a cell and a landline. 
I thought I was getting a {$1.00} one time charge and for 16 months they charged my account over {$21.00}. I didnt receive online even one monitoring report ( which wasnt requested. ) They didnt do the basic thing they were charging for they wont refund
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/PPC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my purse awhile ago and I am in the process of buying a home and I got a copy of my credit report and notice items that was open is due to identity theft! XXXX XXXX and XXXX XXXX was open due to identity theft.