23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX % XXXX Bank account was frozen Without notice about any debt for the amount of {$15000.00}. I do not owe anybody that much money. Not even financial aid for education.
Product: Mortgage

Mortgage company did annual escrow review and raised my escrow payment. Review was based upon false hazard insurance premiums and property tax. I sent the mortgage company the documents verifying the correct amounts and they have not responded with a adjusted escrow payment. They are still requesting an inflated cushion balance to the escrow account along with a escrow payment that is inflated based upon incorrect information.
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 confidentially under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX  XXXX Account # beginning with XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  Account # ending in XXXX XXXX Card Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX  XXXX XXXX  Account # beginning with XXXX XXXX XXXX Account # beginning with XXXX XXXX5 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. I did not give them 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Money transfer, virtual currency, or money service

Barclays committed and facilitated fraud and felony crimes in relation to XXXX and XXXX XXXX. They are in possession of my stolen property and I want to be remunerated immediately. I suffer catastrophic damages every single day this goes unresolved. Consider this an invoice. I want {>= $1,000,000} if paid before XXXX XXXX. Settlement should go through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of items on my credit report that need to be looked, there are four to five car companies. That are a hard inquiries on my report and I do not even have a vehicle, my bank account needs to be looked at as well. Over the last couple of months I have moved to several locations and my social security needs to be monitored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX. Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with Equifax and they still will not remove the file from my credit report! XXXX and XXXX took the item off.
Product: Credit reporting or other personal consumer reports

I was living in XXXX XXXX XXXX  in XXXX, GA XX/XX/XXXX until early XX/XX/XXXX. My apartment flooded by the upstairs neighbors pipe busting. This caused multiple inches of water in my floor and destroying XXXX of dollars of my personal belonging. This lead to a black mold problem in the apartments. The management refused to fix the problem. They told me if I wrote a 30 day notice, they would waive all fees for breaking the lease. I did this. Now I have a {$450.00} debt in my name that I have been trying to get off for 4 years. I even hired XXXX XXXX XXXX to dispute it for me 3 months ago to take care of this debt. The debt keeps getting bought out by different companies and therefore starting my 7 years over. This debt doesnt even have an address associated with it or describes what it is for. There are so many discrepancies with this debt that proves that I should not be responsible for it, however, it is still affecting my score. It is currently with Qualia Collection Services which was opened/ bought out XX/XX/XXXX. Im not sure who else to contact because I have hired a company to help dispute it and get it taken off, called the actual collection agency ( and they were the ones who told me to hire the XXXX XXXX XXXX to get it taken off due to the discrepancies and missing information ), and XXXX. I am uploading pictures and videos of the apartment and damage, insurance claim made due to flood, and emails that I have sent to the apartment complex without much reply. If there is anything else you need please let me know.
Product: Credit reporting or other personal consumer reports

Opportunity Financial LLC located in XXXX Illinois, provided an illegal loan with a high APR of 156 % This loan is considered illegal according to the 815 ILCS 123/ Predatory Loan Prevention Act. 
The account was created on XX/XX/2023 for {$2300.00} With interest of 159.25 % I have disputed this account with XXXX with no success. 
XXXX keeps on verifying the account as having accurate data instead of looking at the legality of the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card Avant Step 1 : What is this complaint about? Unexpected Annual fee Step 2 : What type of problem are you having? Unexpected Annual fee caused negative balance XXXX to my account Step 3 : What happened? Caused my credit score to drop-22 points credit score damage Step 4 : What company is this complaint about? Avant- Credit Card Step 5 : Who are you submitting this complaint for? XXXX XXXX self It was brought to my attention on XX/XX/2021 that Avant credit card company. Charged my account a unexpected annual fee was posted to my account on XX/XX/XXXX th. Avant- took {$50.00} out my account and left a negative credit balance of - {$15.00} was posted to my account and reported to all credit bureau XXXX My credit score dropped -22 points to my credit score. Avant- did not give me a notice of the annual fee due date of fee. I just check my balance on XX/XX/XXXX th and it was {$50.00} dollars positive for my credit report. If I had notice of the annual fee I could have made another deposit and my account would have had a positive balance and they still could have gotten their annual fee. My account have reported positive and it would have been a win win for both of us. The Avant credit card is supposed to help build my credit score but cause damage to my credit score. I am paying off my credit card I have not used it in awhile. I was building a positive balance on my credit card and Avant- did not consider the damage they have caused my credit score. It didnt have to happened!!! I called and filed a complaint but I am not filling comfortable with Avant because of the damage they already caused. The representative told me that there was nothing she could do but for me to call the Credit bureau. I told her no I will not because the credit bureau did not cause the problem and I wanted to talk to a supervisor. I talked to the Supervisor XXXX and she said she understand and I should have received a notice for the Annual fee and I did not receive a notice. Its also stated in their policy about receiving notice. She will file a report to find a resolution. I have a recording of admission of wrong doings. I dont feel confident with Avant credit card service/ product. I got the card to rebuild my credit, it was advertised as such but I received the opposite.upon request for more information bank statements and recording.
Product: Credit card or prepaid card

Chase Bank has released a new 124 page Digital Services Agreement. On XXXX, while trying to access my current credit card balance on Chase 's website, Chase notified me of the new agreement and also notified me that I am required to read and agree with said agreement before I can access any details about my account on their website, including my financial statements of credit card balance which are only available on their website. I contend that review of a document of this type and size should reasonably take 30 days, and should include opportunities for questions and requested revisions. On XXXX I requested on 3 separate occasions access to my account details without accepting or denying said agreement, but Chase unilaterally denied access to my account details. I also submitted feedback on XXXX to Chase via their " Contact Us '' system but did not receive any acknowledgement of my concern or any indication that they would address my concern within a reasonable time frame.
Product: Debt collection

I have not received a phone call or a letter from a collection company called " XXXX '' indicating that I owe a debt for medical bills. I came across this information when I received alerts from the credit reporting agencies. This completely shocked me because I am working extremely hard on my credit so that I do n't have any negative information. I filed Bankruptcy chapter XXXX and was discharged in XX/XX/XXXX and ever since, I have never been late with any of my payments. I want them to remove this information from my credit file immediately. They have not sent me any notification what so ever or else I would have called to determine what it 's for and if I owe to pay it. No communication from this company. I disputed it with the CRAs and they have not removed it until they verify/confirm the debt with me! They need to remove it until proper notification has been sent and the proper time limit for debt dispute. They reported 2 accounts on XX/XX/XXXX, in the amounts of {$260.00} and {$830.00}. They need to provide notification to people before putting something on their credit! Absolutely nothing was sent! No phone calls or VOICEMAILS for that matter! What happened to contacting people?? They should be investigated for more customers that they have done this too, in fact, my next step will be to find an attorney who will be able to file a class action lawsuit against XXXX. I 'm sure there are many more out there and we will fight! I have copies of my phone bills and I have a list of the majority of voice mail left and none are them! Please have them remove this from credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset a medical collection account was placed onto my credit report recently. I have no involvement with the account added to my credit report and is a direct result of identity theft. This account was opened fraudulently with my personal information without my knowledge. I am giving notice to Experian and demand this matter be taken seriously. I have included with this complaint copies of my FTC Report, Identity theft report, my personal identification card, and my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX   XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}
Product: Credit reporting or other personal consumer reports

Sent a XXXX back in XX/XX/year>. Trustee XXXX XXXX refused to turn in to the IRS FOR PROCESSING. WHICH took care of the whole bill. Still cashing in my payment coupons using my name to do it. I am the holder in due course XXXX FILING # XXXX. AUTHORIZE FOR XXXX  XXXX XXXX XXXX XXXX  to discharge all debts. They refused my XXXX negotiable instruments. Last one was {$1200.00}, marked my credit report as missed payment! They been cashing in my coupon for at least a year. Using the mail to commit trust fraud! Reporting to the Dept of Treasury and the IRS! I have copies of all the payments sent!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report and to address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 1681o, which outlines civil liability for negligence for failure to comply with the Act. I believe that Equifax has failed to properly investigate my dispute or follow the required procedures as mandated by the FCRA.
Product: Mortgage

I have Wells Fargo as the mortgage company, they sold my home and did n't give me a fair review. I had tried working with them and nothing happened. I opened a complaint with Wells Fargo and XXXX XXXX was helpful but the proof that was provided from their end shows the part of the mistakes they did. I always provided them a full packet and all the documents necessary for them to review my loan. I am attaching that information with my complaint. They said they did nothing wrong but several times I got denied for not having enough income and in a letter that Wells Fargo provided as proof it clearly said that they verified my income to be {$0.00}, how could this be? when they had my taxes and my paystubs. They did this to me several times, and that I had a {$300.00} surplus. Of course I wont get qualified for anything if they verify my income to be {$0.00}. This is very upsetting and they took my home. I submitted a response to plaintiffs motion to confirm sale and I will provide all this proof, I need them to be investigated I had also filed bankruptcy before the sale date time, and I received a call from a Wells Fargo representative asking about the bankruptcy. The man informed me that I didnt have to file bankruptcy that Wells Fargo would assist me. After that call Wells Fargo informed me that there was no stay and that my home had sold, but with the court house I had confirmed that there was a stay, they informed me that the automatic stay takes effect once the documents are through and they give me a sheet with the case number and the time I need to go back for the meeting with the creditors. I need help there are many homeowners going through the same situation as I am. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are two fraudulent accounts on my Experian credit report that I have disputed more than 18 one a XXXX XXXX account XXXX and the second XXXX XXXX XXXX account XXXX whom I have been in direct contact with and they stated I need to file a dispute directly with Experian to get it resolved. I have done more than 18 times and Experian still will not remove the two fraudulent accounts. I have requested proof of claim such as original signature and original copy of photo ID providing proof that these are my accounts. Ive also contacted my local PD they took an incident report regarding this Experian is violating the fair consumer reporting act by not disputing correctly. Experian should be requesting proof of plane when items are disputed which they should be requesting documentation for that proof of claim, as well as providing a copy of that documentation they obtained to the person filing the dispute.
Product: Mortgage

Ditech is reporting a late mortgage on my credit report. I have never had a mortgage or any account for that matter with Ditech. I called them to resolve this issue and was told all I can do is dispute the account on credit. I asked to speak to a manager several times and was refused. This is holding up financial matters I wish to persue. I need this taken care of ASAP.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email promotional offer to apply for the American Express Business Gold card. It stated I was pre-approved for the card, and that I would receive a welcome bonus of XXXX reward points after spending {$10000.00} in the first 3 months. I previously had the card but closed it in good standing in XXXX, so I called to ensure the offer was still valid since I previously had a similar card in the past. 

I spoke to an agent in early XXXX to verify that I would still receive the welcome bonus, and they confirmed that I would. Ive had active accounts with Amex since XXXX, and the promotional email included my existing card number on the top of the email. This made me further believe that Amex knew it was offering me a welcome bonus to an existing customer, and knew I had the card in the past before sending me the promotional offer advertising the welcome bonus. ( See attached screenshot photos of the welcome offer email ) Only after I got confirmation from the agent that I would receive the bonus, did I apply for the card. Once I spent {$10000.00} within several weeks, I called to inquire about the welcome bonus offer. The agent stated that I did not qualify because I previously held the card in XXXX, and that customers could only receive the bonus once per lifetime. I shared that I called in advance of applying for the card, and that the agent informed me that I did in fact qualify. So they opened a case to investigate whether they could make the award. After opening 2 cases to investigate whether someone told me this information before I applied - no results were shared with me other than the decision that I did not qualify for the bonus. There is a {$290.00} annual fee for this card, and the welcome bonus was a major consideration before applying for the card. The welcome bonus has still not been awarded.
Product: Debt collection

I live on the west coast. SunTrust bank repeatedly calls me ( multiple times per day ) before XXXX. This morning they 've called me twice. Once at XXXX and once at XXXX. Surely thy ca n't wake me up like this. I have to work. I 've told them for years to stop. They said it 's automated and there 's nothing they can do. How is that legal? They 've harassed me this way for years.
Product: Debt collection

XXXX XXXX couldnt pull any info. I called the 3rd party creditor ( Jefferson capital systems ) and they had to run a report for a fee which I paid. Said they see where I paid this bill off. But for some reason this bill was open still through another creditor ( XXXX I think ) but then another company bought this charge off ( that I paid back in XXXX XXXX and so I have two of these open on my credit if I understood him right. Said he could dispute this for a fee or {$200.00}. I said no and tried to find another way.
Product: Checking or savings account

I opened a 13 month CD with BMO on XX/XX/XXXX with a maturity date XX/XX/XXXX. The interest rate was approx 4.8 %. The terms of the CD indicated that if no action was taken the CD would roll over into a new rate commensurate with rates/products at time of maturity. I received notice on XX/XX/XXXX ( notice date was XX/XX/XXXX ) that my CD was rolled over into a 12 month term at .05 %. A .05 % CD isnt even a common product with current rates at BMO online exceeding 5 % are considered normal ones. I believe this is a deceptive business practice meant to take good rates and reduce them to effectively no return rate if a consumer isnt paying attention.
Product: Debt collection

We need to complaint on the company Fair Collections and Outsourcing, they are collecting on behalf XXXX XXXX, a property management company for an apartment we leased on the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

When we moved out from the apartment, the property manager told us we would receive a notice with the calculation of the charges or refunds depending on the work required to fix or clean the apartment. we never received that letter or notice so we contacted the property manager to update our new mailing address, but they said they were working on the letter. After multiple attempts to get the letter or at least an update the property manager they stop answering our calls. 

Suddenly a collection popped-up on out credit reports, a collection with Fair Collections and Outsourcing who is collecting on behalf the property management company. Since the balance is over {$6000.00} dollars, we contacted this company and requested information about the account, they were not able to tell us the reason of the {$6000.00} dollars debt, they could not explain how the property management company calculated this amount. Also, we requested an itemized statement of the debt, but the collection agency refused to send it since they mailed one already, however we never received that letter, so we asked what address they mailed it and it turns they mailed to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the same address where this debt is coming from, after clarifying the address to the representative he confessed they received a return mail but anyways will not send a validation/itemized statement.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX  did not do a complete and thorough investigation into my credit disputes