23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX a transaction popped up in my Cash app account saying I have just sent {$450.00} to some person. I didn't do that. Then I got a text saying my phone number was unlinked from my account. Then I got a message stating my email was changed in my account. After that I could not get into my account again. On XX/XX/XXXX my stimulus check of {$1400.00} was deposited in this account and I still can't get in the account. I made numerous attempts to contact cash app by phone and email. With only one response asking for more information. I provided the requested information but have not received any answers or my money back yet. 
Can you please help get my money back I am XXXX and on limited income. 
XXXX XXXX
Product: Debt collection

I applied for financial assistance in XX/XX/XXXX for medical treatment at the XXXX XXXX XXXX submitting all required information. The XXXX sent my case to 2 collection agencies : Express Recovery and Clear Solutions who has been harassing me for months and I just received a letter ( XX/XX/XXXX ) from the XXXX threatening legal action. I spoke with XXXX about this with an unsatisfactory outcome. My case no is XXXX ; the balance is {$380.00}
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XX/XX/year> ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Mortgage

Chase is my mortgage company servicer and backer. I bought this home back in 2007, and within in 1 year I was upside down on my loan. I have tried to refinance my loan with chase, and have been turned down twice. If XXXX, or XXXX were my backer I would qualify for a refinance. Since I owe more than my home is worth, Chase has told me I need to make a XXXX payment, before they can refinance my home. What can I do? I do not have that kind of money, or credit to borrow from. The government has programs such as HARP, to help families in situations like ours. Why does n't Chase as the backer help its families like other backers? What do they have to gain, by taking our home from us when the day comes and I can not afford the interest payment. As is it I will never pay off the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with XXXX XXXX XXXX credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from XXXX  was returned undeliverable. I finally received a bill from XXXX to my physical address om XX/XX/XXXX stating that I owed XXXX {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from Experian Credit stating that I am overdue in payments to XXXX and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if XXXX would have sent a bill to my physical address instead of online.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I contacted the credit card several times. First time was to set up automatic payments. I bought a watch, and I used the credit card only for that and intermediately together and agent that work for the company and I have never missed a payment. Apparently, it wasn't of my knowledge that the Credit Card received electronic checks first and started to take electronic payments later during the 24 months installments. I set up automatic payments with them since the very first payment and I didn't sign up for paperless. After months I wanted to know about the account and I called to see if all was right when I started to see that monthly payments were set up for more than the exact amount result of dividing the total debt in 24 months equal payments and on top of it all I was charged for late fee and interest on the late fees. 
I contacted the bank and it's been months exchanging letters, sending documents by mail, and spending hours with agents that don't have access to information older than 6 months. 
I have sent them official documents from my bank ( XXXX ) doing all the payments in timely fashion and not missing any of them. At the end of the 24 installments since auto pay was set up for an amount higher than the amount needed to satisfy the debt generated for my purchase i overpaid the credit card for the total amount of {$580.00}. 
However, the credit card insists that I owed them XXXX dollars and I claimed that on the contrary they need to pay me back {$580.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a Zelle payment from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX sent the funds via standard delivery which meant that the funds were not going to be received until XX/XX/year>. The payment in the amount of {$100.00} was for the purchase of two tickets for both him and his girlfriend to attend an event that I was hosting on XX/XX/year> in XXXX, XXXX. Because the payment was not going to be received in time of the event I had advised XXXX XXXX that he would need to make a payment at the door for the events and that when his payment which he sent via standard delivery was received on XX/XX/year> that I would refund him the {$100.00} he had paid. XXXX XXXX was not happy about the situation and requested a refund which I obliged to provide but only after the funds were officially received to my account. On XX/XX/year> when the funds were released prior to the original date mentioned I provided XXXX XXXX with the appropriate refund of {$100.00}. This is evidenced via the following Zelle transaction ID 's ( XXXX ; XXXX ). However I had been informed that on XX/XX/year> XXXX XXXX filed a fraudulent scam report stating that I sent funds via Zelle from his account without his authorization. As a result Zelle has blocked my zelle account and requested a refund of the funds. My bank processed that particular refund and XXXX XXXX has now been paid on two separate occasions on something he technically should have never received a refund for however I still provided him with one as a courtesy.
Product: Mortgage

My  XXXX / XXXX / 2017  statement with  Ocwen Loan Servicing contained a section called important News. It stated tha t my " payment amount has changed to {$1500.00} effective  XXXX / XXXX / 2017  ''. I made the payment of {$1500.00} on  XXXX / XXXX / 2017 .  Ocwen  is now indicating that there is a different change that occurred and. Thew new change indicates ab additional  XXXX  is owed and I have been referred to their escalation department. I have made several attempts to contact Ocwen and notify them of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I called the trans union. To let them know that there was a mistake on. MY credit file there was of ton of inquiries that I did not authorize I spoke with a woman at trans union here name was XXXX she would not give me a last name you Id number but refuses to help me with my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from CAPITAL ONE/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to XXXX  and XXXX along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CAPITAL ONE/XXXX  is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with TransUnion I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with XXXX I have the following fraudulent accounts - XXXX/XXXX XXXX - XXXX  - XXXX XXXX On my XXXX  credit report - XXXX XXXX - XXXX  - XXXX XXXX I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a XXXX XXXX of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Debt collection

I have a collection agency trying to collect on an old debt. 5plus maybe 6 years old. I get continues calls to my business line and they have even sent a person to give me paperwork stating they are suing me in court. I have signed nothing or admitted to owing this money to this company. They bought a bad debt and are now pressuring me to pay it. They report it on my credit multiple times a month every month harassing me and using the reporting to the Credit bureaus to district me by distorting my credit. By them doing this it has made my life very difficult and has affected me financially. I believe the statue of limitations in the state of XXXX for credit card debt is 4 years, correct me if Im wrong but they do need to move past me and stop reporting multiple times a month to the credit bureaus in turn Destroying my credit. The above mentioned company is law offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XXXX ) XXXX please let them know they need to stop reporting on my credit report or I will be suing them for distorting my credit making my life difficult and pursuing this illegally.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The overpaid my credit card bill and it is taking citi bank 15 to 20 days to return my money. I asked, why does it take so long, the answer was that this is their process. The real reason is that they want to hog my money to earn interest on it. 

This is unfair and unreasonable. The refund was requested on the XXXX it took them unit the XXXX to approve it after it was expedited. I wish the senate finance committee looks into such abuse of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and XXXX XXXX automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for XXXX XXXX reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

Thanks, XXXX
Product: Credit card or prepaid card

I just received my credit report and noticed unauthorized items that should not be reflecting on my credit report. It has been a very hard time during this pandemic and I am asking the bureau to pleas look into and remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX
Product: Student loan

Payments to my loans are not being allocated consistently. Some months all loans get paid towards, other months only part of them have payments allocated. There is no indication that the interest rate is in fact adjusted as promised for paying using autodebit. Also because I am signed up for auto debit they are not sending billing statements that would show the periods balance and payment allocation from prior payments. An autodebit reminder does not provide the same level of detail as a billing statement should and it feels as though they are hiding something. I have emailed to see why I am not getting statements. I've called on prior issues and found I only get scripted responses that do not answer my questions. When my loans were placed in forbearance they did not notify me in a timely manor and when I asked why they were in forbearance they could not tell me why, despite there actually being several published articles explaining why. Customer service is abysmal and I feel I can get more traction filing complaints.
Product: Debt collection

A bill was sent to collection. I was never notified of the bill or collection. They will not remove collection from credit report if paid. My wife and I filled for a mortgage loan with XXXX XXXX XX/XX/XXXX. We followed the credit analysts advice and paid XXXX credit card down. When my credit report came back from re-score there appeared a collection for {$62.00} and change. The collection was from an unpaid final electric bill from my apartment before I moved in with my now wife from XX/XX/XXXX. I never received a final bill nor notification of the debt from the electric company nor the collection agency. Not a phone call nor an email. No form of communication. I offered to pay the debt with out issue if they would send a deletion request to the credit bureaus. Not only was I told this was a violation of the fair credit reporting act I was lectured as if I was some unintelligent criminal and yelled at in very high volume twice by one of their supervisors by simply asking for the deletion. I was informed by my credit analyst that by them telling me that a deletion was against the fair credit reporting act was in fact a violation. I even called all XXXX credit bureaus. A deletion is totally legal and ethical. The collection agency has simply refused to delete the collection for absolutely no reason. I even informed XXXX supervisors including the XXXX that lectured and yelled and insulted me that this collection that I was never notified of in anyway shape or form was the only thing keeping me and my wife from our home. Their refusal to process my request which after my due diligence is totally legal and ethical and in fact happens every day has kept my wife and I from being able to purchase our home. The collection being removed would jump my score upwards of XXXX point well above where we would need to be. I again was never notified in anyway that there was a debt owed nor a collection and I was informed they had the collection since XX/XX/XXXX.
Product: Credit card

I applied for and got approved for a Chase XXXX XXXX XXXX XXXX  on XX/XX/XXXX, while there was a promotion to earn XXXX points when you spend {$4000.00} in the first 3 months, rather than the usual XXXX points for doing so. I spent {$4000.00} in the first 3 months, but only received XXXX rather than the promised XXXX points. I messages Chase on XXXX to get them to fix the issue, and had them state, while providing absolutely no information, that my account is ineligible for the extra points. I have numerous evidence in the form of dated articles written during the time of the promotion about this deal being active on the date that I got the card. I have attached a XXXX article which clearly states that the promotion started on XX/XX/XXXX. I got the card on XX/XX/XXXX. The promotion closed on XX/XX/XXXX.