23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company constantly calling about a person who does not own this number. Keeps asking for a person and I have told them multiple times this is not that persons number. They ask if I am that persons husband or wife. I ask how did they get the number, they repeat who they are looking for and that the calls are recored. I told them to stop calling this number for whoever they are looking for ... they keep calling and will not tell you how they got your number. 
Most recent XX/XX/20 - XXXX, XXXX, XXXX, XXXX, XXXX ( x2 ) cst XX/XX/20- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX.
Product: Mortgage

We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of. 
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong! 
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.
Product: Payday loan, title loan, or personal loan

Website shows Alliants COVID-19 Emergency Programs Throughout our 85-year history, Alliant has been committed to serving and supporting our members in good times and in bad. Today, were ready to help Alliant members impacted by the COVID-19 pandemic with emergency loan and emergency loan-modification programs. 

With my bad credit i was denied a loan. My credit went down last year due to my health issues. Ive been trying to maintain my credit however, being sick and XXXX took awhile to get had me go into collections on some stuff. Which ended up having me not able to get any loans from any lenders. 

How am i able to get out of this credit debt or pay them when I can not get a loan to help me?
Product: Credit reporting or other personal consumer reports

I am trying to find out my credit report and score for Experian and XXXX but I cant seem to get a report generated
Product: Money transfer, virtual currency, or money service

I made two XXXX transfers ( XX/XX/2023 {$800.00} and XX/XX/2023 {$600.00} ) from my Bank of America account. I was charged four transfers ( {$800.00}, {$800.00}, {$600.00}, {$600.00} ). The party I transferred funds to confirmed with their bank that they only received two transfers ( {$800.00}, {$600.00} ). I filed a complaint with Bank of America on XX/XX/XXXX and XX/XX/2023. Bank of America notified me in writing ( XX/XX/2023 ) that they have completed their review and are unable to approve my recent claim.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX I sold XXXX Litecoin valued at {$230.00}. The money supposed to be transferred into my XX/XX/XXXXk account and nothing has gone through yet.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX violated the following 15 U.S. Code 1681 ( $ ) -2 late payment during a panic. 

The XXXX XXXX prevents lenders from reporting late payments to credit reporting companies during the XXXX crisis. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by XXXX during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. 
https : //www.nolo.com credit-pro Credit Protections Under the XXXX XXXX XXXX XXXX XXXX XXXX reported Within 30 days of this notice.
Product: Credit card or prepaid card

I enrolled and charged XXXX subscription serves to my American Express Blue Cash Card in XXXX and XXXX of XXXX. After using the services for a few weeks, I canceled all of them so they did not renew. After the merchants continued to charge me for the subscription I disputed the charges with American Express. The first charge was from XXXX XXXX on XX/XX/XXXX for the amount of {$32.00}. The second charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$21.00}. The third charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$19.00}. All XXXX disputes were resolved and closed in my favor because " The recurring transaction has been canceled ''. American Express also enrolled my in merchant block which I was told would prevent the merchants from charging this card again. Over the past XXXX  months I have been charged by the merchants above many times for varying amounts. On XX/XX/XXXX I recalled out to American Express to inquire why they allowed my account to be charged for a canceled subscription that had merchant block. The agent was oblivious to the issue and said that they can only dispute charges in the last XXXX days. I requested to have the amount closed, which the agent avoided. They said they can issue me a new card with different numbers. I agreed to the new card but one was never sent. The agent also did the merchant block again and was going to escalate the issue regarding the recurring charges. I followed up and there was no record of the escalation. I have lost thousands of dollars as a results of American Express failure to protect their customers.
Product: Checking or savings account

Per bank this account was opened by my ex and I was the joint account holder, however, this account was not opend in my will and I never use this account, I didn't know this account was having a {$83.00} overdraft fee charged caused by the primary account holder, and ally bank never send me any notification or letter or phone call to let me know this issue, they just reported this negative balance and put negative mark on my XXXX report : ( I found this account has this overdraft fee reported to my XXXX credit report on XX/XX/2019 and then I immidately contacted Ally Bank explianed the issue, but they reject to remove the negative mark on my XXXX report and asking me to pay the {$83.00}, however, I never receive any letter or phone call from Ally bank regarding this account negative balance issue. I be forced to pay the {$83.00} to end this issue which was not caused by me, and after it I have contacted Ally bank multiple times by phone and mail, they still reject to remove the negative mark in my XXXX report, and all mail I sent to them they never response me back.
Product: Mortgage

My mortgage was originally being serviced by Caliber Home Loans. My loan number was XXXX. I have PMI on my mortgage, but I applied to get it removed based on a significant increase in my homes value. On XX/XX/23, I sent the application, along with the {$100.00} check needed to order the BPO on my property. On XX/XX/23, Caliber cashed my check. However, on XX/XX/23, I received an email notifying me that my loan was sold to XXXX XXXX. Caliber never provided me with a BPO report on my property, but still cashed my {$100.00} check and did not refund me. I tried multiple times to call Caliber and get in touch with an actual human agent ; however, because my loan was inactive, the automated system would hang up when any inactive loan numbers or phone numbers are entered. I then tried logging onto my Caliber account and using their messages portal, in which I sent messages on XX/XX/23 and XX/XX/23 notifying them of my issue. The only response I got from this were messages saying this was an issue for the PMI team, and my message was being forwarded to them, and I should expect contact soon. I never received any follow-up contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report. 

JPMCB Auto Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received serval pre approved credit card offers and when Ive applied to them Ive been denied. This has happened several times.
Product: Debt collection

`Debt collector charges {$2700.00} for debt of {$1300.00} and refuses to provide documents showing their authority to collect debt. Notice of debt was not sent until AFTER collection started. Creditor also charging interest when no authority is specified giving authority to charge interest. They also do not credit me with any of the funds they received for selling my car.
Product: Mortgage

The Value of my house increased and now I have more than 30 % equity in my house. I applied with Caliber home loans to remove the PMI. but every time i call and check on the process I get different answer. sometimes they acknowledge that there is an application and sometime they say when did you apply I don't see your application. Caliber home loans don't wan na remove my PMI and they wan na keep charging me $ XXXX for PMI that i don't have to have. thank you
Product: Credit card or prepaid card

This Comenity capital bank hurts peoples credit. I often shop XXXX XXXX XXXX XXXX. About a month ago I had seen heavy ads in store about their credit card. I sign up. I get approved on the spot. But I cant utilize my credit in store yet, like XXXX or XXXX credit approvals on spot. They tell me my card will be in the mail. I receive the card with all the info. I receive a letter dated XX/XX/XXXX stating theyve closed my account because of too many inquiries ... there were THREE..one of which was theirs. I had not used the credit card at all. Now I have a short termed opened credit account thats been closed by the bank on my credit history and it made my credit score take a nose dive! This kind of practice hurts people because of their practices in place. I opened this credit card to apply monthly re-occurring bills that would be paid back to the credit card monthly in full to try to improve my credit score and it did the reverse. I called company and they said theyd add notes to account.
Product: Debt collection

I received notice today from my government credit monitoring service that some collection agency had put two collection accounts on my credit bureau today!!! I have NEVER received anything from them in the mail and have no idea who they even are, they are breaking every FDCPA law there is and I want to know who they are so I can possibly take them to court and sue them!! I am an ex federal employee and my information was hacked during the OPM breach. I am also a twice XXXX  mother who is insolvent due to the market crash which cost me my jobs over and over while working in the investment industry during the recession too and I am also insolvent so have 0 money, so they are wasting their time trying to " pick another carcus clean ''!!! I want this removed from my credit reports NOW and I want to know who this bunch of crooks is so I can contact an attorney about them breaking the FDCPA, I also used to work as a law clerk so will have no problem getting free legal advise!!! Please address this issue now!! Information from my credit report below on them. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$1400.00} Original creditor : XXXX XXXX XXXX A Overview You've paid off 0 % of your collection amount. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR? 
You could dispute an error with XXXX. 
GO TO XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$990.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$990.00} Highest Balance {$990.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX  SEE AN ERROR? 
You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit card

am filing this complaint against Capital One Bank for failing to respond to my Conditional Acceptance letter, unlawfully charging off my account while still attempting to collect on the balance, and reporting negatively on my credit report. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by continuing to collect on an account that they have already charged off. 

Here are the main issues : Failure to Respond to Conditional Acceptance : I sent a Conditional Acceptance to Capital One in XXXX of 2024 inquiring about my account, interest owed, and details regarding the securitization of my account. Under UCC 1-308 ( Reservation of Rights ), Capital One has failed to respond, and therefore, they have tacitly accepted my terms. Yet, they continue to deny me access to my account or offer any meaningful resolution to my concerns. 

Charge Off and Attempted Collections : Capital One charged off my account, which should indicate the account is no longer collectible. However, they continue to try and collect on this " charge-off, '' which is a violation of the FDCPA. This includes attempts to demand payment through collections, despite having written off the balance as a bad debt. 

Negative Credit Reporting : Despite the charge-off, Capital One is continuing to report negative information about this account on my credit report. This has caused a significant impact on my credit score, further harming my financial standing. 

Securities Fraud : I believe Capital One has securitized my account without my knowledge or consent. I request full disclosure of whether my account has been bundled as a security, and if so, I am owed the interest and equity that may have accrued from such transactions.

FDCPA Violations : By continuing to attempt collections on a charged-off account, Capital One is violating the FDCPA. They have failed to follow the legal process for collections, and this constitutes unfair and deceptive debt collection practices. 

Relevant Laws and Regulations Fair Debt Collection Practices Act ( FDCPA ) : Capital One is attempting to collect on a debt that has been charged off and continues to report the account negatively on my credit report, which violates the FDCPA. 

Truth in Lending Act ( TILA ) : Capital One has failed to disclose the true terms of my credit account, especially regarding the securitization of the account and the interest owed to me. 

Uniform Commercial Code ( UCC ) 1-308 : Capital Ones failure to respond to my Conditional Acceptance letter violates the principle of good faith and fair dealing. 

Securities Fraud : Capital Ones potential securitization of my account without disclosure constitutes securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Kramer & Frank has ruined my credit history for medical bills my ex husband owes and I divorced him. Why are these bills in my name?
Product: Bank account or service

I opened up a business with paypal. They locked my account and made me send verification about my business. I followed through on this and now they cancelled my account and wo n't give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}.
Product: Payday loan

I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Received a scam letter from Chase Cardmember Services XXXX XXXX XXXX XXXX, DE XXXX www.chase/amazon XXXX XXXX says please make a payment right away. Has our actual last 4-Digits of the credit card, but not other numbers. We know it is a scam for sure, but older people like my parents might totally look at this and think it is for real. 
Also has : Overnight Mail Chase Card Services Mail Code DE XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, DE XXXX