23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage currently with XXXX, they held the mortgage for one year and I received notice in the mail yesterday my mortgage is being transferred XX/XX/XXXX to PNC Mortgage. I read that I need a 15 day minimum notice before transfer. The letter was dated XX/XX/XXXX, and I received the letter only yesterday in the mail, XX/XX/XXXX. This leaves only a 5-6 business day notification ( or max 10 business day from date of letter ) of my loan transfer. I am also trying to settle my escrow account with XXXX for XX/XX/XXXX year. I do n't think I have been given sufficient notice, and, also, the letter did n't enclose a payment voucher for new payments to be sent to PNC Mortgage, which means I would have to send my payment to XXXX until I receive my new mortgage statement. I know legally I have a 60 day window for payments between transfer, but I still think the transfer notice is very, very late.
Product: Debt collection

I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again. 

Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not.
Product: Credit card or prepaid card

I purchased several gift cards from Kohls Department store on XX/XX/2022. After purchase I was told allow 24 hrs before use. It was also printed on the receipt. What I don't understand is how are they able to sell gift cards and place a hold on them?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ).

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you XXXX responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been breached with Equifax and my identity has been stolen. I have already resolved the issues with XXXX and XXXX but Equifax still has yet to answer my questions when I call about my credit report being compromised with accounts that do not belong with me. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime i tried to check the resukts i would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see two accounts that do not belong to me. XXXX and XXXX removed them so Equifax should fall in line and follow suit because they are violating my consumer rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX I attest that these accounts do not belong to me and I want them removed immediately to public records breached and identity theft
Product: Debt collection

XXXX/XXXX/XXXX I received a notice from Diversified Consultants inc stating I owed XXXX XXXX to which I'am a current customer XXXX {$900.00}. I forwarded a letter to Diversified disputing this charge and requested verification of debt. I never received verification of debt and Diversified reported collection to Equifax, TransUnion and Experian. I contacted Diversified in XXXX to verify they received my letter and they responded yes and added note to dispute that customer disputes charges but did n't remove collection account from record. I also disputed information with all of the collection agency as well. on XXXX/XXXX/XXXX I forwarded a second letter Diversified to provide documentation regarding the validity of the debt or to remove from my credit report. To date, still have n't received anything and collection account remains on my report.
Product: Debt collection

XXXX XXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to bomb my phone. Many times multiple calls in one day.
Product: Credit card

We have been a card holder with discover nearly 30 years and have not had any issues prior to the past XXXX months. On XX/XX/XXXX a payment posted to the account for the amount of {$1.00}. A few days later a reverse transaction showed up for {$950.00}. We noticed it on the next statement and asked what it was for. They told us we reversed a payment to our XXXX bank account. We have never had a XXXX account and disputed this transaction. After a 2 hour phone conversation they finally agreed to give us credit on XX/XX/XXXX. The charge appeared again on XX/XX/XXXX and after another call the amount was refunded again on XX/XX/XXXX. We began watching the account closely and this process repeated again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and at that time we request the account be credited and a written statement be sent to us confirming this action. We did receive the notice but the verbiage was not conclusive indicating additional charges could post to the account. The charge did repost multiple times after this requiring us to call again and again to get it credited. To this day the activity still continues and is posting to the account and on the statement of the closed account. We have since stopped the automatic payments of the balance but fear our credit could be impaired if we fail to continue checking it and calling for a reversal.
Product: Credit card or prepaid card

Capital One converted my Capital One " Platinum '' Secured Credit Card to an Unsecured Credit Card. The issue I have is they intentionally changed by unsecured credit card so they could continue to bill me {$39.00} per year & exclude me from credit increase eligibility while changing the terms of Secured Credit Cards to no yearly fee & automatic credit reviews for all new applicants.

I've had my " XXXX  '' Secure Credit Card 12 years. Why now did Capital One change my card to Unsecured? They changed it so they could continually charge me $ XXXX  yearly. While new " XXXX  '' secured cardholders are not charged an annual fee. Capital One also said I would have apply for a new credit card if I wanted a credit increase. I never agreed to, or signed up for an Unsecured Credit Card. They converted my card/account without my permission. However, the most corrupt part of it all is to intentionally change my card so that I would no longer have to pay Capital One {$39.00} since new " XXXX  '' do not pay an annual. Its deceitful & fraudulent. 

I spoke to a " supervisor '' at Capital One & she was not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXXXXXX XXXX violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX XXXX - XXXX XXXX XXXX The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it  May C oncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.        XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   All B anks  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   TBA Stores ,  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg. Agencies    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX   SOC SE C  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account Number : **** XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX  XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis continues to sent my credit information to the bureaus and they were told to stop and I opted out of them doing so. They sent bankruptcy information to the credit bureaus without authorization to ruin my name. I wrote them and told them to take the bankruptcy off of the report because the US bankruptcy does not report to credit agencies. They still will not stop reporting.
Product: Debt collection

XXXX @ XXXX XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a XXXX XXXX  through XXXX from XXXX to XXXX and XXXX XXXX was handling this account and that I had made Payments, I have never had a XXXX XXXX nor have I ever Singed anything authorizing the use of a XXXX XXXX account and I made no such Payments.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX My cash app card was hacked by someone living in XXXX. I live in XXXX and had not traveled to XXXX for years. I could even prove that I was at work in XXXX Al during the time of the transaction. XXXX transaction was made at a restaurant and another at a wine and liquor store. I had proof that I didnt make the XXXX transactions from my card, but cash app refused to refund my money. Cash app promised a call back, which i never received. They only communicated through support email. No resolution was ever received.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXX/XX/XXXX # XXXX XX/XX/year>2018 -- {$0.00}
Product: Credit reporting or other personal consumer reports

My information was stolen from the hack of XXXX XXXX people and would like all of negative reporting removed from all 3 of the major credit bereaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts XXXX  and XXXX. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Product: Debt collection

Last Reported XX/XX/XXXX Collection Agency I C SYSTEM Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$160.00} High Balance {$160.00} Remarks Placed for collection The action I took was to deal with the membership company in regards to letting me postpone for a later date. I was unemployed at the time and only XXXX years old. They told me there was nothing they could do. I didn't want it affecting my credit at an early age which is why I want to fix it now. They were not helpful at all. I never received notifications that I am able to dispute.