23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made XXXX payments on my account in XXXX month XXXX separate dates I go in to the store on Saturday XXXX located in XXXX I proceed to make a purchase and its declined. They declined my purchase because of non payment I made XXXX payments in XXXX month they failed to apply my XXXX payment to the month of XXXX and they charge me a late fee. I was stuck in the store for over XXXX hours and I had a wedding to attend that I missed becomes of this error that was made on account of Macy 's. I should have never been charged a fee then I was forced to make a XXXX payment just for the charge to go thru so in XXXX one month I made XXXX payments on an account that has never been late. I never use the card. I missed my brother wedding because customer service and the credit department where in capable of removing the block off my card. I was penalized for making an extra payment on my account keeping my account in good standing and paying on it early as a result of doing all that I was charged a late fee, my account was placed in internal collections, a block was placed on there as well as I was forced to make a XXXX payment in store so now my personal bank account was negative as well and I missed my brothers wedding because I was in Macy 's over XXXX hours trying to purchase a XXXX for the wedding. The service rep at the counter can vouch for the entire incident I was using the store phone as well as my phone and my wife phone to try to get thru to someone to unblock the card. Macy 's is horrible with posting payments correctly horrible customer service rude and condescending
Product: Mortgage

I have defaulted on my mortgage and have tried to do short sale on the property. The bank got an appraisal on the home which appraised at {$220000.00}. An offer from a cash buyer was enetered in the amount of {$220000.00} and the bank refused it. Another offer was enetred at {$250000.00} and it was just denied on XXXX/XXXX/2017. The bank said that they will be closing my case and that they can no longer accept anymore offers and my house will be up for auction as XXXX/XXXX/2017. I am just unsure why the bank would deny an offer that is above the market value of {$30000.00} and not process the short sale. The bank is PNC and they said no other offers will be looked at. there was no explanation for the denial of the offer.
Product: Mortgage

My account was transferred from XXXX XXXX to Carrington Mortgage on XX/XX/year> There was a Foreclosure Oral Argument Hearing Scheduled for XX/XX/year> with previous Servicer & their attorneys. 
When we contacted Carrington Mortgage we told by Both XXXX XXXX XXXX XXXX XXXX from Escalation department at Carrington that because account was transferred & in the process of onboarding there would be a 60 period of no foreclosure proceedings moving forward and there would be new law firm XXXX XXXX handling account moving forward & that we were covered by RESPA protections. 
We received an email from XXXX XXXX to confirm his ( XXXX XXXX ) & the following day Thursday XX/XX/year> XXXX eastern received oral confirmation on phone call with XXXX XXXX that she spoke with law firm and the attorney would request the judge continue the hearing, as the account was just Transfered to Carrington and due to the RESPA regulations protections. 
On XX/XX/year> at the Foreclosure Hearing the lawyer stated he was from XXXX XXXX XXXX ( not XXXX XXXX ) & he represented Carrington and that he knows nothing about any continuation of the hearing or RESPA regulations & told the judge we were lying and these Carrington Escalation names were made up by us and was hearsay and must be ignored. The judge moved forward with the hearing going completely against what we were told numerous Times by the Servicer Carrington Mortgage. 
We are requesting a full explanation of why we were lied to & given bad information by Carrington Mortgage & also why we called liars to the judge by Carrington Mortgage attorney in the oral argument hearing on XXXX XXXX. 
This is absolutely unfair & deceptive practices by Carrington Mortgage, which has caused our family great mental stress and anguish and put us at financial harm in less than a month as new Servicer. We need CFPB to investigate this immediately. Many Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting a XXXX card that was opened on XX/XX/XXXX. This account never had a payment made and was marked closed by XXXX as of XX/XX/XXXX. I have contacted Experian multiple times and summited multiple disputes to get the information corrected on my Credit report. Experian is showing on my credit report that the account was opened on XX/XX/XXXX, but they are not showing any payment history from XXXX. This information is incorrect. Why do they not have any payment history from XXXX. There was never any payments on this account and it was closed in XX/XX/XXXX. 

Experian is showing that this account was closed in XXXX. This is absolutely incorrect. On my XXXX  credit report, which is correct it is showing payment history from XXXX date and there has never been any payments on this account, making the first late/missing payment in XX/XX/XXXX. This account should be falling off my credit, but Experian is trying to tell me it is not going to fall off until XXXX, that is more than 10 years from the original late/missing payment date.
Product: Debt collection

For the past month, I've been receiving call from state collection service inc. 

This is their address : XXXX XXXX XXXX XXXXXXXX, XXXX The phone call i received from them is at all hours, morning as early as XXXX XXXX, night as late as XXXX XXXX. They said that I owed them a medical debt of $ XXXX. I requested the representative send me a copy of the debt along with the copy of my ID that shows the name, address, date and time of the copy of the debt that they said belonged to me. 

The associate i spoke with by the name of XXXX XXXX, told me that they are not going to comply with my request when I'm the person that they try to collect the $ XXXX debt from, explained to him that it is my right to request this information that state collection service have on me. That's when he started threatening me by saying that state collection is a powerful collection agency that have connection with the law enforcement and will use the law enforcement not only to destroy my credit history and my life, but also the lifes of people around me, which is my wife, XXXX of my kids, friends, families, relatives etc. The state collection agency associate also threatened me by claiming that state collection agency will put me in jail without any chance of parole if i didn't pay up the $ XXXX that they claimed i owed them and slammed the phone on me. 

After that conversation that's when the call started coming in at different time through out the day and night, spoke to a friend of mine from church who is an attorney, he told me that state collection service inc doesn't have anything on me since they are not able to provide the information that I requested, he also told me to ask state collection to call his office if they called the next time. 

I followed his advise and told the next person that i spoke with by the name of XXXX XXXX to call my attorney and provide my attorney with the proof that i owed them $ XXXX in medical debt they said that incurred in Wisconsin which doesn't make sense as i have never lived in Wisconsin XXXX give XXXX ' my attorney address too, she said that state collection agency will use their contact with the government to go after me and my attorney and make sure that my attorney and me will never see the light of the day per se. 

It's been a week now they still keep calling me night and day on the daily basis to harass and threaten me. So far neither me nor my attorney have received any official documentation from State collection agency.
Product: Bank account or service

A Wells Fargo line of credit was approved and unauthorized funds transferred to a creditor ( See attachments A-E and letter from XXXX concerning resolution ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX  Balance : {$270.00}
Product: Checking or savings account

i have called and complained to and on capital one already about this issue and they are saying they can't and won't help me i want my lost wages back or i will sue them. it's not my employer 's fault. they paid me into my capital one account which i closed due to being a victim of identity them my money wanted into my account which I was being watched yes, I failed to report it to capital one prior to closing in it because I didn't know how to. a stranger was watching my online access to XXXX for a XXXX  before i went on a removed them twice i even had old numbers and emails removed by capital one personal that didn't belong to me. XXXX  on the capital one credit card side and checking account side. my ssn is exposed on the dark web and so is my name and dob i can never take that back. i worked hard for my money.
Product: Checking or savings account

I have unauthorized charges from Huntington Bank and XXXXXXXX XXXX XXXX I provided a document about the unauthorized pending charge from Hunting Bank below. There's a pending charge from XXXX 's on my checking account. The XXXXXXXX XXXX XXXX  credit card unauthorized pending charge is from a " XXXX '' in XXXX Texas for {$25.00} without a date. I spoke to a representative from XXXX XXXXXXXX XXXX about the issue and couldn't get the problem resolved. Also, XXXX XXXX XXXX suspended my account so I couldn't take a screenshot of the transaction.
Product: Debt collection

My mother and cousin was contacted by Premier Recovery Group XXXX. A lady by the name of XXXX XXXX has called my mother and cousin SEVERAL times. My cousin was contacted over 10 times today and XXXX XXXX got nasty with her and cursed at her using the XXXX word. She told them she needed to speak to me because I committed fraud. She threatened legal action. This is totally unacceptable and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, Flagstar Bank has violated my rights and in return caused financial setbacks to my family. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish a account without my written instruction. 

On or before XX/XX/, I made a payment via phone to the mortgage company in order to ensure timely payment. Unfortunately, due to an unforeseen delay in processing on the part of the mortgage company , the payment was not processed in a timely manner. However, upon realizing the issue, I promptly contacted the mortgage company on XXXX XXXX XXXX to rectify the situation. 

During my conversation with the mortgage company representative and supervisor, XXXX, I was given a second confirmation number to confirm that the payment had been received, confirmation number is XXXX and would be processed within 3days.The payments did not actually process for both XXXX and XXXX mortgage payment until the XXXX of XX/XX/2023 in the amount of {$5500.00}. Again, the later processing to these payments were due to the mortgage companies processing time. Despite this, the mortgage company had already reported the payment as late to the credit bureaus, prior to the full 30 days late being fulfilled. On or after the XXXX on XXXX, XXXX  would have been the XXXX day of an actual late payment. Regardless of our payments being ontime, and their processing being late, they marked a 30 day late with bureaus when the late time had not been met. 

According to the terms of my mortgage agreement, payments are not considered late until after the XXXX of each month. I made the payment well before this deadline, and I have the confirmation numbers to substantiate my claim. I believe the reporting of a late payment on my credit reports is inaccurate and unjustified.
Product: Credit reporting

I have disputed the inaccurate charge off that is reporting on the XXXX Account # XXXX. This account either do not belong to me or it is incorrectly status. I would like this account removed from my credit file or the charge off status removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE CASE. THIS COMPLAINT INCLUDES THE POLICE REPORT FROM A LOCAL POLICE DEPARTMENT AND A XXXX  REPORT WHICH BOTH NEED TO BE SENT TO ALL FRAUDULENT ACCOUNT DATA FURNISHERS. I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by the consumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report , that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.
Product: Debt collection

I received a call from this number XXXX. They identified themselves as source receivables management. When I asked them what was this pertaining to they stated a business matter I asked what business and they hung up. I then decided to look this company up online and call them directly to see if it was legitimate. They answered and stated my name I asked why they were calling and they hung up. I called back 11 times and asked for a supervisor. They transferred me to an individual whos name I did not catch and asked if this was source receivables management and he stated you tell me you called us they refused to identify themselves and what they were calling about. I then requested if they cant verify then they need to send documents or something certified in regards to their request. He said theyre not going to do that. I would like them to stop contacting me if they have no reason to be contacting me. I have absolutely nothing in collections or owed anywhere on any credit report or entity.
Product: Debt collection

A family member was contacted by Orion Capital Solutions regarding a debt for me : I'm not aware of who they are or what they are referring to. I have not been contacted by them before and I find it concerning that they are contacting family members and possibly my employer without contacting me and without my consent.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information. 

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received an Zelle email saying that a customer sent me {$400.00} for a product I was selling but Zelle said my account need to be a business account in order for me to receive the money and that the customer had to send another {$400.00} to make my account into a business account adding up to {$800.00} but I had to refund another {$400.00} to receive the {$800.00} after verification but never did.
Product: Student loan

Navient misled and harmed my student loan by misleading borrowers about income-driven repayment plans. Botching payment processing and misleading me about improving credit scores and the consequences of federal student loan rehabilitation.
Product: Vehicle loan or lease

On XX/XX/2021 I came into the Mercedes-Benz XXXX XXXX XXXX XXXX XXXX personally finance a vehicle on a credit transaction and was denied and was not given a written notice per the requirements of the ECOA pertaining to the specific determining factor of why I was denied. Also, they shared my private information with third party companies without permissible purpose. The FTC says that this is credit discrimination.
Product: Credit card or prepaid card

I have been a Discover credit card holder since XX/XX/2022. I would always pay my Discover card off quickly. As of XX/XX/2022 I did not have a balance on my credit card. At XXXX on XX/XX/2022 I received an email stating my Discover account ending in XXXX was closed " because we were unable to verify personal information on your account. '' It is important to note Discover never attempted to contact me to verify any personal information whatsoever. Moreover, when I called Discover immediately after receiving the email, the department which deals with this issue was closed until Monday and only in operation Monday through Friday from XXXX to XXXX eastern standard time. Thus, making it impossible for me to rectify my issue and in turn having to accept the abrupt account closure without warning. The email goes on to state, " We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. '' It is important to note I was also never credited for my rewards balance. 

This is absolutely uncalled for. Discover never attempted to verify any personal information before closing my account, which did not even have a balance on it at the time. Discover was not even open for business when they sent this email. Finally, Discover is placing my credit in jeopardy for no good reason. This activity and behavior is completely unacceptable and Discover should not be permitted to close accounts for these unspecified reasons. Please investigate.
Product: Debt collection

in accordance with the fair CREDIT REPORTING AGENCIES ARS Account Resolution acct # XXXX has violated my rights 15 U.S.C 1681 section 602A states i have rights to privacy 15 u.s.c 168 section 604a section 2a consumer reporting agency can not publish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX VIRGINIA XXXX XXXX MI XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy : XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Bankruptcy : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX