23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the hospital following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX  XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( Experian, XXXX, and XXXX  ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
Product: Credit card or prepaid card

I was overcharged for an order made on XXXX XXXX was unable to find resolution with XXXX as they wanted to give me coupons rather than a reimbursement. I filed a chargeback with XXXX XXXX XXXX  refused to follow through with it. They have continued to ask for more receipts than what I have. I followed https : //consumer.ftc.gov/XXXX and submitted a letter to them to dispute the charge more officially, and they are still refusing to help. They acknowledged refusing to help over the phone, but the agent refused to send it to me in writing.
Product: Debt collection

I settled out an account w ith Midland and now they are reporting data to  XXXX  stating I owe the difference which is false. I have disputed several times and  XXXX  state Midland verified. This  is not right I am requesting removal ASAP of this false item I do n't know what else to do.      XXXX  has listed Midland Funding LLC  XXXX  {$290.00} owed which is FALSE
Product: Checking or savings account

On XX/XX/2016 I was reported to XXXX and XXXX XXXX for " Checking Account Fraud '', Bank of America. At the time I was reported, it was stated that I owed Bank of American money. Both statements/allegations were false. I have asked them investigate the matter and tell me how I committed fraud, but they will not provide the proof. The only thing that was changed, is Bank of America reported that I did NOT owe them any money. I don't care that Bank of America will not allow me to bank with them, but I believe reporting that I committed fraud was discriminatory, especially when BANK OF AMERICAN did not suffer any losses. Did I make a mistake - yes, but I did not commit fraud. There was no court of law that determined I was committing fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter from TransUnion agency stating that a deletion had been removed from my credit file XXXX XXXX a week later on XX/XX/XXXX it was added back to my credit file this time with no account number or any personal information that was affiliate to me.
Product: Credit reporting

This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, I did dispute them with equifax and they stated that they would not remove and claimed there " factual records on file '' I provided them with the police report as well the extended fraud alert, I have on my credit rerportFraudulent Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, XXXX XXXX XXXX/XXXX/2015XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX XXXX/XXXX/2015XXXX XXXX , UT XXXX XXXX : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; 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 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 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

Regions bank received my endorsed settlement check from XXXX  XXXX XXXX on XX/XX/year> in the amt of {$76000.00} and took XXXX months to disperse the XXXX draw to me of {$40000.00} I was told the remainder would come after inspection. That has been completed and received by Regions and now the say they have to approve the release of funds at the upper mgt level. 
I am tired of fighting this and I need help! They have passed me around to XXXX different people at some call center for customer service with no way to speak with supervisors or mgt. 
I feel they have invested these funds and will profit from my funds and I need my money now! I have done everything asked of me in timely fashion and all I get back is delay and circle talk! At present they owe me about {$7500.00} and my attorney about {$17000.00}. I dont intend to wait another 2 months to receive money that doesnt belong to them while they profit from it. PLEASE HELP ME!!!!!
Product: Debt collection

Jefferson Capital has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Jefferson Capital for a company that is NO LONGER in existence XXXX. Jefferson Capital placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Jefferson Capital is also reporting this as a new account which is causing damage to my credit report and I did not sign a contract with this company. This must be removed immediately. They are reporting this as a new account and I have had the same cellphone provider for over 15 years with a different company. This is damaging my credit report because they are reporting a monthly debt not owed to this company that cant even been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps trying to apply for a chase card in my name
Product: Debt collection

Ive disputed the debt to XXXX its TransUnion TWICE and they continue to tell me the debt is accurate. This debt has been paid off since XX/XX/2020. XXXX can confirm payoff as Ive called them And they have stated that the bureau is supposed to remove the debt because it has been paid. TransUnion has not effectively and thoroughly investigated this by FCRA 611 standards and this debt needs to be deleted as it is already paid off.
Product: Vehicle loan or lease

I told the company that they could come get the vehicle.. the shop that has the vehicle has sent out letters for them to come pick the vehicle up and they fail to do so. I am in a financial bind and am not able to make the required payments, before this I have never missed a payment or has been late. The vehicle is ready to be picked up and is available to the company. Why want they get the vehicle back? They keep calling my job and upsetting my coworkers by telling them they are lying about me not being there ( I have been on leave for 3 weeks ) I have asked them to please stop calling my job and just call my cell number but they refuse. This is harassment!
Product: Debt collection

In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX injury surround this same period of time and was left in terrible condition after XXXX XXXX  XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. Thank you
Product: Mortgage

On XXXX XX/XX/2022, I sent a letter to US Bank regarding check # XXXX for {$1300.00} written on XXXX XXXX XXXX at the XXXX, Ohio location. 

I asked the Teller to distribute the {$1300.00} in the following manner : 1. {$1000.00} for Mortgage 2. {$240.00} Escrow Shortage 3. {$50.00} Credit Card 4. {$20.00} Extra Principal What he did was applied the following : 1. {$1000.00} for Mortgage 2. {$50.00} Credit Card I went back to the Bank and was told that locally they couldn't do anything. 

I sent the letter inquiring about what could be done and followed with a phone call. As a result, I was bombarded with telephone calls and correspondence regarding Loss Mitigation from US Bank. I was even assigned a Counselor!!! 

Unfortunately, the matter in which I was seeking assistance with was never addressed by US Bank.
Product: Student loan

On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?
Product: Credit card or prepaid card

I applied for Citi AAdvantage card as a part of buying an XXXX XXXX XXXX. it promised instantaneous response. After completing all the info, the web site came back and said there is an unknown error and it closed the session. 

I called Citi, got their rep in XXXX and instantly, he approved me ( so there were no problem with the info or questoins ). There were no issues or questions. I was promised {$120.00} credit for the booking as well as XXXX miles and free luggage checkin. The citi rep told me to all XXXX XXXX and they would give me all these benefits. After 4 hours on the phone with XXXX, they said they could not do anything until the card arrives. 
I called Citi again, after being passed from agent to agent and refusing to provide any name or ID or supervisor coming to the phone to help, I got hang up on several times. I asked for expedited delivery ( over night ). They said they could not do that. one said it is too late. The other agent repeated the flash card and said you can requesting some where on line. When I asked where? no answer. 

This is false advertisement. I am not gone be able to use any of benefit promised and have to wait XXXX business days now. If that works. This is phishing for new customers and making it impossible for the consumer to take advantage of promised benefits. In addition, I am stuck with a hit to my credit report and a card that is offering 26 % interest!. I tried to file a complaint with Citi and good luck. There is no email that I could find. the phone numbers make it impossible for one to talk to any one w/o the actual card which I do not have. The only live person I could talk to in Citi where in XXXX and could not understand what they say or they keep repeating a flash card and saying no all the time! 

These are preditory practices by Citi and deceptive practice at-least. Do you think you are saving money by out sourcing your CS to XXXX? check with other firms, these agents are not trained and do not know much. They just pass the buck from one agent to other and do not solve any problems. They are rude and hang up on you and act as if I owe them something. 

What a shame! a corp such as Citi whom received tax payer money is treating the public as such! Can you provide comp for what I was promised both in terms of luggage and points? I paid {$50.00} to XXXX to ship my luggage now. I have paid {$75.00} in Lyft charges to go to the airport to resolve this issue to no success. Over two days on my XXXX XXXX! very tiring.
Product: Debt collection

My identity was stolen by the person living at the address associated with the debt. I have never lived at any other address. The first account was for the amount of {$12000.00} The second account was for the amount of {$23000.00} both were opened late XXXX which is when i was still unemployed. I received notices from debt collectors that have told me they were looking for me at the wrong address! by the time they found my actual address and i was able to respond it was early 2023. I have filed a police report for both accounts and it is under investigation with the detective.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

A few weeks ago I increased my monthly payments from direct debit to add an extra {$140.00} per month onto my monthly installment amount. I received an email on XXXX XXXX, 2017 at XXXX XXXX stating that I am enrolled in direct debit service so the payment of {$360.00} will be automatically withdrawn from my bank account on X/XX/2017. On XXXX XXXX, 2017, I looked at my bank account and noticed that my student loan payment was not taken out of my checking account. I called customer service and was placed on hold for 35 minutes, only for them to tell me that the Delinquency is no big deal, that the confirmation letter they sent me on XXXX XXXX was a mistake in their system, and that it wo n't change anything on my account. Upon logging into my account I noticed that all of my loans were DELINQUENT. I manually processed a full payment immediately in order to cover the over due balance. I then received another letter on XXXX XXXX, 2017 stating that interest had been capitalized on my loans. I immediately went in and made a payment for the interest amount of {$53.00}. This error needs to be corrected and I demand the delinquent status be taken off of my account and erased from my payment/credit history. I talked to customer service today for 33 minutes and they admitted their mistake in sending me a confirmation that my payment would be automatically withdrawn on the due date, they told me that because of a delay in their system, they could not take off the capitalized interest. I then spoke to a manager who put in a claim for me and told me to call back in two weeks. I do n't want to wait two weeks to get my money back and for them to fix their mistake. But not for the confirmation email and letter I received on XXXX XXXX, 2017, I would not be delinquent on my loans, had forbearance placed on my loans, and be charged capitalized interest. I pay my bills every month when they are due and in fact, I pay more than what is due. As a customer I deserve respect and I was treated as if it was my fault. The customer service man I spoke with today, XXXX XXXX, told me that it is not likely anyone will be able to help me even though he is putting in a request to management, after he rightfully admitted that the reason for this matter was due to their own mistake and systems. I have received emails and letters in the mail which apparently, accounting to FedLoan Customer Service, were incorrect. As a customer, I relied on this information from FedLoan Servicing, which caused my accounts to become delinquent and my loan interest to be capitalized. I am very disappointed in FedLoanServicing and I expect this mistake will be fixed promptly.
Product: Bank account or service

My name is XXXX XXXX XXXX and huband name is XXXX XXXX XXXX I am filing complaint regarding a finanical company, name OneMain Finanical XXXX address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX their phone number XXXX they have an account which they are telling us it our account the account number is XXXX open XX/XX/XXXX, joint account installment account loan type is unserured. I have a company name XXXX XXXX which is helping us and they have send letters on our behalf. The company information is ( C ) XXXX XXXX XXXX ( R ). All rights reserved. XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, and of counsel attorneys. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX of Use Privacy Policy Email Preferences. Credit Access. 
Attorney XXXX, phone number XXXX. My email is how they find our information and verified is I who is calling my husband have his own account with the XXXX XXXX XXXX, it with my email. XXXXXXXXXXXX my address XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, my phone number is XXXX, birthday XX/XX/XXXX. My complaint is that this company is accusing us of owning XXXX the high balance is {$17000.00} from XX/XX/XXXX to XX/XX/XXXX pay status is a charge off the account number they have on file is XXXX. XXXX XXXX have wrote letters at least every sixty day since XX/XX/XXXX. They have send us letters refusing to take this the credit report off our credit bureaus, because they have tell me that all XXXX credit reporting agencies have the same information. Now from my understanding it is the company that report to these credit agencies, XXXX, XXXX and XXXX so that is not correct statement since, OneMain Financial reported this information to the credit agencies. I truely do not know this company and never dealt with them that I am aware of. I and my husband need help under credit laws that said this have to be an accurate reporting and this company have not given correct information. The XXXX Lax company have did every thing under law to help us. Please help us. Thank You for whatever you can do to bring the truth to light.