23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In spite of telling them XXXX new mortgage loan servicer ), my payment has been send and the check was cleared already, they disregard that fact they received my payment and keep calling me for annoying debt collection calls. 
I sent check according to the address shown on the mortgage loan servicer change notice. Payment receiving center, XXXX and XXXX communication center do not communicate within the same organization. 

Incredibly incompetent and annoying. 
Wasting so much time answering their " debt collection '' calls. 

Please stop once and for all for this stupid institution to engage in this sort of irresponsible action. They are sending me wrong payment amount as well. They don't even read the purchased Note and Deed of Trust and changing the monthly payment amount. 

Totally unacceptable and illegal act.
Product: Debt collection

the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
Product: Credit card or prepaid card

I recently transferred a balance to Capital One and due to the fact that the balance transfer almost exceeded my credit card limit I asked for a credit limit increase and Capital One rejected my request. Their reason why they rejected my credit card limit increase was that my average monthly payment has been low. I feel that I am being mistreated and this level of unprofessionalism must be reported. I recently purchased airline tickets for about {$4300.00} and I paid that balance in full in XXXX. My FICO scores are ( XXXX XXXX -- -XXXX XXXX -- -- XXXX XXXX ). I have four Capital One credit cards with stellar payment history and I reject this level of reasoning from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : # XXXX, REC XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) : # XXXX XXXX Original Creditor XXXX XXXX XXXX  ) : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX & XXXX XXXX : # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Product: Debt collection

I recently reviewed my credit report and noticed a fraudulent account. Please remove XXXX XXXX XXXX from my credit profile, I am not responsible for the alleged debt as I have no idea who this company is and I have never entered into any type of agreement with this company, this is fraud.
Product: Debt collection

Military Star account on my credit report is showing as a charge off. This account was paid in full.
Product: Mortgage

Was denied a loan modification from bank of america for reasons that were false. The loan is an investor loan and bofa is just the servicer. The bank indicated that investor declined the loan, but the investor was never contacted because I spoke with the portfolio manager at XXXX the investor. I was again denied on appeal. Appointments were missed by bofa because they will contact me at a number that was not the best contact number. I gave the bank the best contact number but somehow the will chose to call a different number. Reasons for the modification was hardship due to a decrease in income and increase in the mortgage payment. Decrease in income caused by medical retirement. We just completed a 4 yr successful modification and we applied for a continuation because the hardship was still in effect and had gotten worse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XX/XX/2024 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : XXXXXXXX XXXX XXXX Account number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ XXXXXXXX XXXX XXXX Account Number : XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Checking or savings account

I am trying to connect my back account with XXXX and it will not allow me to.
Product: Credit reporting or other personal consumer reports

I need santander deleted from my credit report Opened XX/XX/XXXX Balance {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates Transunion and XXXX say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley. 

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX Washington, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of 2010 by not properly describing the benefits and limitations of its S-GUARD GAP product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all 3 credit bureaus to further show that maxim verification has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX Shows 30 days deliquiency in separate months on all 3 credit bureaus XX/XX/XXXX Transunion XXXX and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had two late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Credit card or prepaid card

XXXX XXXX Purchased a {$300.00} NETSPEND XXXX  Debit Card at XXXX XXXX in XXXX XXXX XXXX, XXXX, VA XXXX for my Grandson ( who is XXXX  XXXX ) I thought I was purchasing a gift card. 
XXXX  - we can not get the card activated- we have called and called but nothing works XXXX - current XXXX will not go to a live person nor can we get prompts to work XXXX calls will not be answered or if they are you are routed to another automatic response. I got a " Live '' person at this number by the name XXXX - I asked to speak to his Supervisor - he put me on hold ( dead line ) held on for several minutes but it seemed to be a dead line. 

We have spent about 2 hours today trying to get this card activated so we can get the {$300.00}.
Product: Credit reporting or other personal consumer reports

Received monthly credit file and while reviewing unauthorized credit inquiries were listed.
Product: Credit reporting or other personal consumer reports

The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX AUTO, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BANK ( Bank ), XX/XX/XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO, XX/XX/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  XX/XX/XXXX CAP XXXX NA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T, XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1600.00} XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a copy of the letter I sent to Equifax 2 months ago. I still have n't received the first response from Equifax, despite follow-up letters asking for an excuse for their delay. I received responses from XXXX XXXX and XXXX over a month ago already.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry on my credit report today, and I have no clue why it appeared. I routinely check my credit report, but this time, I noticed discrepancies that caught me off guard. I tried refreshing the page, thinking it might be a system issue, but nothing changed. Im deeply frustrated by this and need the submitted documents to be carefully reviewed so I can put an end to this worry.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft and a related data breach. The accounts and inquiries listed below are fraudulent and were opened or initiated without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently deleted from my credit file.

Fraudulent Accounts 1. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} 2. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 1. XXXX XXXXXXXX - Date : XX/XX/XXXX 2. XXXX - Date : XX/XX/XXXX 3. XXXX XXXX - Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX 5. XXXX  - Date : XX/XX/XXXX 6. XXXX  XXXX  - Date : XX/XX/XXXX 7. XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # 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, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX, {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.
Product: Credit reporting or other personal consumer reports

Good Morning, My name is XXXX XXXX I am a recent XXXX XXXX customer. 
My Account number is XXXX I purchased a XXXX XXXX XXXX in XX/XX/XXXX that was financed by XXXX XXXX under fair terms at the time.I had some isome payments deferred XXXX, due to income/work issues. My payments were current fthrough the end of the loan. 
On XX/XX/XXXX I made what I believed was my last installment Loan Payment to XXXX XXXX 
In XXXX I received a call from XXXX which I promptly returned and was told that I has an outstanding balance of {$3200.00} for what I understood was interest. When I spoke to the Customer Service agent, I was told that I no longer had any installment payments remaining. I was told that I had a remaining balance which I was told was interest accrued. I told them that could not make the lump sum payment and agreed to continue to pay the debt. 
On XX/XX/XXXX I paid XXXX via the electronic portal. 
On XX/XX/XXXX, I made a payment of {$700.00} via the Electronic Portal. 
On XX/XX/XXXX I paid XXXX via the electronic portal. 
On XX/XX/XXXX, I made a payment of {$700.00} via the Electronic Portal. 
On XX/XX/XXXX, my vehicles transmission failed and I received and I received an estimate of over {$7400.00} for the repair. 
on XX/XX/XXXX I called XXXX about possibly settling the remaining amount since my vehicle was no longer operable ( XXXX failure ) and the repair was too costly Over {$7400.00}. 
I was asked to send the Repair estimate to XXXX, and I did so. 
On XX/XX/XXXX I followed up with a phone call and was told that a supervisor would be informed. 
On XX/XX/XXXX I followed up with an email and a Phone call requesting the status and was told the settlement was approved and that I would receive the settlement via email. 
On XX/XX/XXXX I followed up and called XXXX XXXX XXXX and was told a message would be sent to the account manager. 
On XX/XX/XXXX I followed up and called XXXX Customer Service and was again told that a message was sent to a XXXX. During these exchanges, I was never informed that the account was going to be past due or that it would be reported late. Otherwise I would have withdrawn the money from my retirement account and paid off the debt as I did in XXXX. In XXXX, XXXXXXXX XXXX Posted my account as paid in full and 30 days late.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, 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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions k have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is an account in derogatory and it shouldnt be stating that for transunion. And there is an address for Georgia that i have never lived at before and they wont allow me to take it off