23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

yes i never had XXXX XXXX i had XXXX for 16 years and why it appear on my XXXX XXXX bueau i dont reconzied that and i called the company said it my name on it but i told them i never had then he or she talk XXXX to me and laughed at me i was told that im XXXX XXXX XXXX they called me lied i told them it truth im XXXX u can use call thur XXXX XXXX XXXX XXXX thur call me it name company is JEFFERSON CAPTION SYSTEMS OWE XXXX and asked them remove it bevause i dont own XXXX  so i had XXXX for years hope you can help me thanks
Product: Debt collection

They claim the account was closed is a different one that they reporting. The account was close with an amount of XXXX from credit service international and now reporting it as a different debt claiming they took care of it. I show proof the XXXX was closed a account that needed to be removed but the reporting it as a different debt with the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Theres has been an illegal action placed onto my credit report. XXXX report. Possibly the others as well. This is an illegal action as Im currently in the middle of a bankruptcy XXXX XXXXXXXX which was filed on XX/XX/2022. As of XX/XX/2022 an illegal charge off entry has appeared by Prosper LLC on my credit reports. XXXX so far. 

A creditor can not place a charge off entry onto the credit report of someone who has filed bankruptcy, after the bankruptcy, filing date, during the bankruptcy, and after discharge. I am requesting that the credit bureaus be contacted and that this charge off entry be immediately removed. XXXX XXXX. Cell number XXXX XXXX XXXX. Prosper credit card number was XXXX XXXX XXXX XXXX. This is a an illegal action perpetrated by prosper LLC from what I discovered. I will also be contacting my attorney next week after the XXXX about this matter as well.
Product: Prepaid card

Rushcard did send out emails to inform customers of technology updates XXXX Monday XXXX XXXX that should have been completed by XXXX.This in turn denied ALL access to funds on card.The next response from the company was that updates were taking longer than anticipated so as of today XXXX XXXX ALL Rushcard members do n't have access to all or part of their funds, have n't received direct deposits from employers..nothing.there is no one answering calls from Rushcard or Metabank or they hang up on you.So no answers and no money.my employer will not cut me a check because the direct deposit was accepted by Rushcard and they have n't rejected the funds.My paycheck as well as other card members is being held hostage with these companies.as of now ca n't pay bills ... .missing work ... this is devastating and I 'm sure there are people affected more deeply than myself.please help.
Product: Vehicle loan or lease

On XX/XX/2023 credit acceptance charged me a payment of XXXX dollars of repossession that I already made in order to recovery the vehicle.
Product: Credit reporting or other personal consumer reports

I have been filing complaints to correct my address, my phone number and my email... Nothing gets done The only company that I am able to log onto the website and see my report is XXXX. 

XXXX I have called for months, AI prompt will not allow you to speak to an agent and being that they do not have my correct phone number listed I can not recieve the code for verification. 

Equifax you speak to agents they have to send you a link to upload your License and take a selfie, which works, but then they say they cant verify me because my phone number. I have tried, been patient and I am getting the run around. PLEASE PLEASE PLEASE UPDATE MY INFORMATION SO THAT I MAY LOG INOT MY ACCOUNTS NAME : XXXX XXXX XXXX PHONES : XXXX OR XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX EMAIL I AM CHANGING SO THAT I CAN START A CLEAN SLATE XXXX this is a draining process. I have tried and tried to get into my accounts with no success. 


XXXX EVEN ACKNOWLEDGES THAT IT RECEIVED DOCUMENTS IN XX/XX/year> FROM CFPB BUT WONT UPDATE MY ACCOUNT
Product: Credit card or prepaid card

I received an statement dated XX/XX/2019 including fees and amount past due with a new balance of {$840.00} and Synchrony Bank is refusing to properly and accurately solve my dispute bellow : I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX. 
All or any correspondence must be in writing and sent to me by certified mail. 
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with zero balance. 

Respectfully, XXXX XXXX XXXX____________________________________XX/XX/2019 CC : CFPB Amazon and Synchrony Bank are not responding to solve disputes and hide credit by not disclosing that returned items are not credited to store card balance saying credit was applied but never applied and when asked they say a gift card was issued but nothing is issued. 
I am not aware if business malpractices are still on going because I closed my account. 
The real resolution is stated above and Synchrony Bank must stop calling me so many times within a day because I did call Amazon and Synchrony Bank many times and they both did not solve my request to properly apply credit and close the account. 
In addition, I don't accept any phone calls because all has to be in writing and the letter I sent on XX/XX/2019 was ignored and the resolution has become harassment when in fact I should be reimburse for being required to make payments when they both were refusing to apply credit and close the account. 




Feedback XX/XX/19 Company is misleading and deceiving by using old settled data within the account in question and such do clearly avoid my dispute and demand to provide account closure and refund or to directly investigate the any current balance which was not in any shape or form solved.
Product: Credit reporting or other personal consumer reports

Hi i noticed there was a hard inquiry on my credit from OneMain financial on XX/XX/year>. I spoke with a customer service representative from OneMain financial institution on XX/XX/year>. They were able to confirm a application for a loan was applied under my social security number at a OneMain location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The representative stated she will mark the application as fraud. she told me that the application didn't go through. I'm more concerned about the identity theft and the hard inquiry that impacted my credit.
Product: Mortgage

Freedom mortgage was collecting our money for homeowners insurance as part of payment but stop paying XXXX XXXX XXXX resulting in the insurance canceling our homeowners. They then placed their own homeowners and raised our payment. We took out our own homeowners again after finding out they took their own. Now that we have our own insurance they refuse to lower the payment amount. We are also a flood victim of XXXX in Tennessee and called them asking for a hardship and they claimed they would email paperwork which they never did. The company sends us predatory refinance offers pretty much daily. There was a period of time where there was no homeowners insurance that they owe us a refund for. Legal action will also be taken if freedom mortgage does n't respond to our claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that you all are reporting this bankruptcy on my credit report that XXXX not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to TransUnion and XXXX and received a stall letter stating that the letter came from someone I was working with.
Product: Credit card or prepaid card

My bank denied my dispute after me sending in relevant documents to back up my statement by mail ( in their pre-addressed envelope ) and again ; over the phone to multiple phone representatives. I got denied stating I didnt provide the information requested ( I did, twice ) and then they contacted the credit reporting agency. 
Im disgusted on their lack of backing me up. 
Every time I call they have failed to update my file and I get left restarting my dispute all over again. 
Multiple fone logs to prove me on the fone. 
I have interactions with the merchant you scammed me to back up my story. Im mostly now disgusted by Bank Of America and their handling of the situation.
Product: Credit reporting or other personal consumer reports

Verified my identity per the companys request via mail and online and requested to be able to login and view my Equifax score and I havent been able to since XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB CARD XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/XXXX I got an email from Concora Credit thanking me for " registering '' an Indigo Mastercard account. At the same time I received an email confirming my enrollment in paperless billing. One minute later another email saying my email address had been updated. It offered a number to call if I had not authorized the change. I never even applied for the credit card! I've never registered ANYTHING with Concora Credit and in fact, have never heard of them. I called the number and in order to be " connected '' it asked me to provide my 9 digit social security number. I did NOT do this. I attempted to try and find other numbers for this creditor - every number I called requested my social security number which I refuse to provide so hung up. Later that same evening, I received a Credit Karma email stating that a hard pull on my credit report had been added to my credit report. I logged into my XXXX XXXX account and there it was - CB Indigo. I never applied for this card. Today, XX/XX/XXXX, I received a letter in the mail stating that my account was temporary blocked and in order to " access '' my account I would need to provide a copy of my driver 's license OR my US passport OR a military ID card. I do not have an Indigo Mastercard nor have I applied for one. I haven't registered ANY cards with Concora Credit and have never heard of them. Someone is trying to open a credit card using my personal information, made an unauthorized hard inquiry on my credit report and are now trying to obtain my personal identification numbers! How do I get this hard inquiry off of my credit and how do I get this account closed and report the fraudulent activity? There are no numbers to contact that do not require my social security number and I refuse to provide that.
Product: Credit reporting or other personal consumer reports

Subject : Request for Comprehensive Resolution : Adjustment of Late Payment Entry Status Dear [ Credit Reporting Agencies ], I am writing to address the ongoing dispute regarding a late payment entry on my credit report and to request a comprehensive resolution. Specifically, I urge the revision of the late payment entry to accurately reflect a current status. 

Under the legal doctrine of estoppel by silence, as illustrated in the case of XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I have not been provided with evidence substantiating the alleged debt. Consequently, I am compelled to presume the absence of such proof, thereby invalidating the existence of the debt in question. 

Adherence to the Fair Credit Reporting Act ( FCRA ) mandates the utmost accuracy and integrity in consumer reports. Therefore, it is imperative that my credit report faithfully mirrors my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I maintain with unwavering conviction that the current status attributed to the late payment entry is unjustified and incongruent with factual evidence. Consequently, amending the status to accurately portray a current, up-to-date depiction is not only equitable but essential to uphold the principles of fairness and transparency in credit reporting. 

Should obstacles arise in achieving this resolution, I reserve the right to explore alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, devoid of any unjustified or unverified entries. 

I implore your esteemed agencies to conduct a thorough review of this matter and to take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
Product: Credit reporting or other personal consumer reports

My auto loan was charged off between XX/XX/XXXX and XX/XX/XXXX, then reported to the XXXX credit agencies as a charge off, when I inquired about the reason for the charge off the creditor XXXX stated they reserve the right above federal policy guidelines to charge off an account basically after non payment or expectation there of min of 120 days consecutive or non consecutive combined throughout the loan period or calendar year. 


XXXX. Delinquency Periods : XXXX, usually report delinquencies in increments30 days late, 60 days late, 90 days late, and so forth. If My account was reported as 30 days late on XX/XX/XXXX and after that remained current as agreed for the next ten months until XX/XX/XXXX or XX/XX/XXXX as reported on Experian credit reports for the last XXXX plus years it would suggests that there were no further delinquencies reported after the date of XX/XX/XXXX, If fair credit reporting policy is followed or based off of Where is the 120 days delinquency or No funds recovered or received not to mention the issue that the creditor XXXX  stance that they had the expectation that recovery of funds was unlikely. This is confusing because as reported in XXXX report dated and furnished XXXX reported they had confirmed and tracked payment being sent from XXXX XXXX XXXX in XX/XX/XXXX so the question of whether the creditor has a claim that payment recovery is unlikely draws a significant difference of opinion My question is for consecutive reporting cycles and requested investigations submitted to Experian Credit Agency and the CFPB who is reviewing these responses given by the creditor regarding how they implement charge off reporting, protect the consumer from creditors functioning as is or at will.
Product: Debt collection

Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted portfolio recovery associates llc placed the call at XXXX, was transferred multiple times and talked to XXXX XXXXXXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.
Product: Checking or savings account

Was advertised to open a bank of America checking account for a {$300.00} bonus. Requirement was to *Open the Bank of America Advantage account before XX/XX/2019 ( OPENED XX/XX/2019 ) *within 90days, receive direct deposit of {$4000.00} + Bonus will be given within 60 days after meeting the requirement. 
( I have met the criteria as of XX/XX/2019 ) I called Bank of America on XX/XX/2019 and was told that they have to escalate this issue and will take another 30days. I was advertised 60 days, not 90. They also stated they will mail me the bonus 'If ' they can resolve this. How ever I will be on a XXXX XXXX since I serve in the XXXX XXXX. 
My complaint is I was falsely advertised and was not given the bonus as advertised within the amount of time they stated and still have not received what Bank of America has promised
Product: Checking or savings account

Almost 3 weeks ago I noticed that there was a mobile deposit that went into my account that was not authorized. I never made any type of mobile deposit. The amount was for a little over {$1400.00}. I noticed the deposit was made because I logged into my mobile bank account app. A few minutes later when I went to check the app again I realized that I was locked out of my account. I immediately called TD Bank and they informed me that the mobile deposit was made and I tried to explain to them that I never authorized the deposit and that someone hacked into my mobile app and had my username and password info. The same people who hacked into my account also ended up withdrawing funds into the thousands of dollars. Finally TD Bank shut my account down, but did not close it. The account could not be closed because I was so in the negative from all of the charges that were made. To make matters worse, this TD account was linked to my direct deposit from work so my direct deposit from work went to cover all the illegal charges that were not authorized to cover for the negative balance. I worked an entire 2 weeks at work and never saw that paycheck. I have been able to delete this card from direct deposit at work and just do a pay card but this entire situation has been a nightmare. TD Bank has been incredibly unhelpful in this entire ordeal and it has been extrememly stressful to deal with.
Product: Credit card

Every month I have charges of life insurance. Best buy credit card. 
I never accept a life insurance.
Product: Credit card or prepaid card

We are affected by Hurricane Florence but on my zales credit card ending XXXX on XX/XX/XXXX I am charged ( {$800.00} ) and XX/XX/XXXX ( {$74.00} ) .We are already broken with no money and now required to pay finance charges of over $ XXXX.Please consider our disaster and refund {$870.00} to zales credit card account.please help
Product: Debt collection

On XX/XX/2021 I spoke with a " XXXX '' who was just rude and refused to let me talk numerous amount of times. I had to hang up with XXXX who was " assigned '' my case and called back and got another gentleman. The man tried telling me " I had no credit experience in the creditor world '' because I told him an itemization letter was not validation of debt... He began talking about lawyers and how his company takes people to court and he knows the letter will work then. He insinuated I had no assets for them to come after and so on. I asked were these threats and he continuiously stated no, I said so you're using scare tactics. The conversation escalated and he was supposed to give me a supervisor in which he left me on hold for a long time and I hung up.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a zelle transaction ( {$500.00} ) was initiated and taken from my chase account by a fraudulent person with an unknown persons account. They succeeded in mirroring my phone enough to manipulate my wife and my accounts. In addition to Zelle, a XXXX gift card ( for {$500.00} that was said to be frozen and locked ), was also taken by visually seeing the card through my camera. An additional {$780.00} was instantly transferred from XXXX to the unknown person however, XXXX seems to have been able to retrieve those funds. 
I have a phone number that the scammers can be contacted at, audio of them telling me they took my money, and the name used for receiving transactions. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.