23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received two calls from portfolio recovery. One yesterday Sunday and the other today XX/XX/2020, @ XXXX XXXX. I have told this company they have the wrong person, but they continue to call and ask for my social security number.
Product: Credit card

Applied for a lowes credit card on XXXX XXXX 2015 and was not approved online. I filed a complaint with the XXXX against Lowes and was contacted by Lowes executive department. They said that they would contact the bank and said that synchrony would contact me within 30 days. Nearly a month passed by and I heard nothing I was supposed to get a response from lowes in regards to my credit application within 7-10 days but I did not hear anything from them until the XXXX of XXXX. They declined my application but the issue was that it to them more than 2 weeks just to tell me that. And the biggest issue here is that when the denied me they provided me with my credit score which they stated according to XXXX was a XXXX on XXXX XXXX. That is incorrect and wrong that XXXX would report a lower credit score to decline an application. I have verified through credit karma and credit tracker through my current score is in the high XXXX 's around XXXX according to XXXX. I asked the Lowes executive office numerous times that they need to get a response from synchrony and I did not hear anything from them until last week when I got a letter in the mail that had my correct address on it but the time stamp blacked out in crayon in the front and back. It is very suspicious that they would do something like this and falsely report my credit score nearly XXXX points lower than what it actually is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with XXXX, Transunion, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX  at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB Team, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX CARD Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

I called XX/XX/2023 to see why I got a returned mobile payment and why I got {$25.00} Late fee for the returned payment. I had to submit a new payment because of that. I asked if I could please get the {$25.00} Late fee waived off and they said no I couldn't but they did not say why. So I asked for a supervisor and spoke to supervisor by the name of XXXX ( Agent ID XXXX ) and she also refused and say no and did not tell me why. I am very upset by their customer service because I always make my payments on time and never get fees or interest fees so I am a good customer. I never asked for fees to be waived off and they could of done it as a one time. I am also going through financial issues so I can not pay more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had two accounts with XXXX  card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, XXXX, and equifax credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Product: Credit reporting or other personal consumer reports

I have written a few letters asking for the incorrect items to be removed off of my credit report on XX/XX/year> and XX/XX/year> and they have yet to remove them nor respond to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called 2 weeks later to follow up XXXX said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for Equifax said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes 90-120 days. I have now read all that I can regarding identify theft and I now realize that the BIG 3 bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all 3 Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Product: Money transfer, virtual currency, or money service

This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX  & to XXXX and see and read for yourself what is going on with this company. 
there are NONE complaint, zero, and NO charge back, and I never had one not even with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I contacted Lend a Dollar through text message because it is the only way they respond. I told them I revoked their right to take any money from my account at anytime. That I would make other arrangements because my checking account was compromised. They still took the money on XX/XX/2023 in the amount of XXXX. Then I send them the revocation again and they finally acknowledged that I sent that on XX/XX/2023 and that will continue to present a check for money until I make other arrangements but I can't do that till I get my checking account fixed so they are saying they will take another XXXX on XX/XX/2023. I have all the text messages from someone named XXXX at Lend a Dollar. While in my account with them there is no address, phone number or email address for the company.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, Trans Union, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debts exist. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness on credit reporting websites. XXXX et al requires that those seeking a copy of their credit report successfully answer several multiple-choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was a name, address, birthday, and Social Security number. Agencies used my Social Security number, as well as other information for fraudulent purposes. 15 USC 1681 mentions agencies reported inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond frustrated with the level of customer service I have received thus far and am pretty much convinced Equifax is making it impossible for me to login to my account and put a freeze on my credit report. 

I setup an account and logged in last week. I was informed that my request can not be completed and that a pin would need to be mailed to me. I received the letter a week later and followed the instructions. My account was confirmed and I was instructed to login. I attempted to login and received a message to call Equifax. I call the number and I'm put on hold for 30 minutes and hung up on. I call again and press 1 to request a call back. I receive a call back 30 minutes later and the person is VERY RUDE and tells me they need to transfer me to a specialist. I am hung up on again. I call back and on hold for 15 minutes. I press 1 to receive a call back and receive a message that I already requested a call back and i'm hung up on again. I tried the online chat, explained my issue and am told to call the same useless number. 

I am very frustrated and don't know how i'm supposed to access my account to freeze my credit report to protect myself from fraud!
Product: Money transfer, virtual currency, or money service

My account was frozen and a reason wasnt given. The only form of communication is through a email which also illegal. They have a customer service number but once you call it, it tells you that they are not open for business but are still accepting consumers business. After they froze my account for no reason or notification, once you send an email to them, they tell you it will be resolved after 7 days. There was still no resolution in 7 days as of why i am sending a complaint for deceptive business practices. No one should be handling finances and can not be contacted per FTC.
Product: Mortgage

We were part of the mortgage crisis in XX/XX/XXXX. We ended up declaring chapter XXXX bankruptcy. We were discharged of the chapter XXXX, in XX/XX/XXXX. After hundreds of attempts contacting Citimortgage to get them to foreclose, on the property, our requests went unanswered. after the property sat vacant for several years, yet still in our names we decided to do a short sale in XX/XX/XXXX, we did a short sale, with the approval from Citimortgage and the help of a lawyer. 
Sine XX/XX/XXXX, we've purchased a new home. Now we have learned that an adjacent property is going to be developing a strip mall / restaurant bar. This will be directly attached to the back of our property, making what is currently a quiet suburban area, into a loud, busy annoyance to our neighborhood. 
Due to this, we want to move, but because Citimortgage is able to report the short sale for up to seven years, we do not qualify for a new mortgage. We feel this to be completely unfair, if Citimortgage would have followed through with the foreclosure in XX/XX/XXXX, as requested, we wouldn't be in the situation we are in yet today.
Product: Debt collection

I have never done business with midland credit, don't know who they are. The credit bureau denied my appeal. How can you put something on my credit when I never did business with them
Product: Credit card or prepaid card

I have tried to call US Bank Relicard on several occasions to close my account/card that was issued by XXXX XXXX XXXX XXXX XXXX XXXX  for child support. I can never speak to someone as the automated system always hangs up on me. I destroyed the card but their fee schedule shows an inactive fee of {$2.00} and I don't want to be charged.
Product: Checking or savings account

Funds are being held by PNC Bank even though the XXXX XXXX was declined. 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PM XXXX {$7400.00} XXXX XX/XX/XXXX XXXX - Visa Declined Sale XXXX XXXX XXXX is not the issue. PNC Bank is the problem!
Product: Mortgage

We were unable to come up with 20 % down on our mortgage and had to pay astronomical amounts of interest plus PMI for the first couple of years. As soon as we were able ( XX/XX/year> ), we paid down the principal to 70 % of the original value of the property. According to the terms of my loan, this was more than what was necessary for the PMI to be automatically cancelled. In XXXX, a full month after I had made the necessary payments, my escrow was charged {$140.00} for PMI. By that time, there was less than 30 % left on the original loan. There was absolutely no basis for PMI. 

I called the mortgage company to ask for an explanation and they treated that call as a request to cancel the PMI. Again, this was not my responsibility. I contacted the company again about a month later and was told that the matter would be taken to the PMI team. I received notice today that they would not refund the money because I never requested the PMI cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX, EQUIFAX, XXXX ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS..

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

1 ) XXXX XXXX  # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX XXXX  XXXX XXXX 4 ) XXXX  XXXX  # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX  # XXXX 9 ) XXXX  # XXXX 10 ) XXXX  # XXXX 11 ) XXXX  # XXXX**** XXXX ) XXXX  XXXX # XXXX 13 ) XXXX  # XXXX 14 ) XXXX  lXXXX  # XXXX**** XXXX ) XXXX # XXXX 16 ) XXXX # XXXX 17 ) XXXX XXXX XXXX # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ss # XXXX dl # XXXX phone # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Payday loan, title loan, or personal loan

M & T Bank offered me a consolidation credit card loan for my XXXX XXXX credit cards. However, M & T Bank sent one of the checks to an incorrect address and after several weeks, M & T Bank is continuing to refuse to provide me with total loan. M & T Bank has forced me to have to pay the debt from my personal bank account as I do not have access to the this portion of the loan M & T sent to the wrong address. Also, M & T Bank lured me into the XXXX, NY branch under false pretenses to sign a letter taking responsibility for M & T Bank 's error of mailing a check to the wrong address and is refusing to provide me with the money even after several weeks. I visited the XXXX, NY branch on multiple occasions ; contacted the M & T Bank customer service ; contacted M & T Bank corporate office ; and M & T Bank is refusing to refund me the money from the loan that M & T Bank lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX XXXX XXXX I endorsed the security/coupon for deposit into my XXXX XXXX account for deposit and XXXX XXXX XXXX reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed a dispute letter to Experian and XXXX requesting them to remove unauthorized inquiries, derogatory remarks, and late payments. Many of these accounts fall under the statute of limitation and are misreporting on my credit report. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

Also, how did they complete this investigation?
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I sent a XXXX XXXX to an associate named XXXX. XXXX failed despite my having had sufficient funds in the XXXX XXXX. XXXX informed me money did not go through. The XXXX XXXX system became jammed where I could not get any of my money. I waited for Direct Express who handles my XXXX XXXX to take corrective action after I spoke to them. However, to this day, XX/XX/2022, I have yet to receive my money. Again, today, I spoke to a customer care representative at Direct Express who said that Direct Express does not accept third party deposits, and especially more than {$50.00} daily. He continued saying that my balance had been reduced to {$22.00}. My XXXX check that was XXXX to Direct Express in the amount of {$800.00} has disappeared without a trace in doing business to Direct Express and XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to formally request a copy of my credit report due to a recent incident of data theft. I my personal information have been compromised, in a data breach and I would like to ensure that unauthorized accounts or activities are associated with my name on my credit report are removed .If a data breach leads to fraudulent activity on your credit report, under the Fair Credit Reporting Act ( FCRA ), you have the legal right to dispute any inaccurate information on your credit report and the credit bureaus are required to investigate and remove incorrect entries, including those resulting from a data breach ; you can also potentially take legal action against the company that experienced the breach depending on the circumstances and state laws. 
Please provide me with a complete copy of my credit report and any information regarding potential fraud that may have occurred being opened in my name without my consent Here are my details for your reference Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX, XXXX, MD ] Date of Birth : [ XX/XX/year> ] Social Security Number : [ XXXX ]