23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have had loans threw State Farm Bank. I recently requested a loan quote and I was told because I am an XXXX I can not borrow money from them to purchase a Vehicle from this business??
Product: Checking or savings account

On XX/XX/XXXX I filed a fraud claim for {$810.00} for a charge from XXXX XXXXXX/XX/XXXX 

On XX/XX/XXXX I received a provisional credit in the amount of {$810.00}. 

On XX/XX/XXXX my account was overdraw in the amount of {$810.00}. Bank of America claimed they issued two provisional credits on two separate dates ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$810.00}. However, the bank made a clerical error because they filed two claims on XX/XX/XXXX instead of the one I initiated. Bank of America ; s representatives made two separate claims without my initiation of the additional claim. 

On XX/XX/XXXX Bank of America sought to recover their error by adding the additional credit to my account which resulted in my account being overdrawn {$800.00}. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Manager who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account.
Product: Credit reporting or other personal consumer reports

I was taken by surprise to learn that I was a victim of the ( XXXX Equifax XXXX XXXX ) and was encouraged to obtain my annual credit report from all three XXXX Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my credit score from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : XXXX Equifax XXXX Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00XXXX XXXX XXXX  : XXXX. XXXX Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the three Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested information...
Product: Credit card or prepaid card

I have been a long time customer of Discover for at least years no late payments. I'm in the process of making a large purchase and reached out to my credit card company which i am in good standing with for fours and asked for an increase of my credit limit and they refused without a valid reason and when i questioned it. I was told the system makes the decision. I ask to appeal this decision because it doesn't fit my history with Discover and i was given the run around by the representative and was told i would get a call back from the manager after i let a message on XXXX  and called out Discover for their algorithm discrimination practice. Discover has failed to respond to my request.
Product: Credit reporting or other personal consumer reports

ChexSystems failed to remove the fraudulent accounts from my consumer report. I request that the CFPB obtain the Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ), including the names and addresses of the individuals ChexSystems contacted during their investigation. 

Attached are ChexSystems response, evidence of their failure to properly investigate the identity theft dispute, and their noncompliance with deletion requirements under the law. I have also included the FTC crime report, a copy of my ID, Social Security card, and proof of address to support this dispute.
Product: Credit reporting or other personal consumer reports

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXXXXXX XXXX XXXX added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX XXXX  account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX  a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX XXXX  IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS. This has been removed 2 time this company is hurting my credit file with a fraudulent account.
Product: Debt collection

This company is attempting to collect debt that is not due from an old landlord. I am filing a complaint against the landlord company, and have emails to show several inconsistencies in misappropriations of funds within my account.
Product: Mortgage

In XX/XX/XXXX I closed on my home HUD ( XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at closing, as is common, I prepaid homeowners insurance for 12 months. Within the first month, I began receiving late notices with regard to my homeowners insurance being late however, it had been paid in full at closing. 

My lender ( Freedom Mortgage ) was also contacted by the insurance company regarding the insurance and subsequently, I received correspondence threatening forced placed insurance. I contacted Freedom Mortgage and my insurance company to no avail.

On or about XX/XX/XXXX, I had been forced into a situation where I had to take action. I contacted a new insurance company ( XXXX ) and obtained new homeowners insurance. Within 30 days, I eventually received a refund check from XXXX XXXX XXXX when they realized they had alread been paid. 

On or about XX/XX/XXXX, I received a letter from Freedom Mortgage that my escrow account was short. I contacted Freedom to be informed that they found my account to be short thousands of dollars! 

Upon further investigation, about 2 weeks later, I discovered that Freedom Mortgage had, without my knowledge or consent, paid over {$1000.00} additional out of my escrow account in homeowners insurance ( knowing it had been paid at closing only 30 days earlier ). 

The customer service representative seemed as shocked as I was when we discovered where the monies had gone. However, I was subsequently informed that I would have to recover the missing funds, was provided no time to recover the money, and was provided no assistance with documents I requested regarding pay outs, etc. I was also informed I would need to pay additional payments as they were raising my monthly mortgage payment. 

I sent a letter to Freedom Mortgage on or about XX/XX/XXXX requesting they temporarily return my payment to its original amount, provide payment related documents, and assist me in the recovery of the missing money they had mistakenly paid out. 

I have received threatening calls and multiple collection/threat letters, but no answer or assistance from Freedom Mortgage. I can't even prove any additional monies were paid out without their assistance. 

I had no knowledge of any additional payments erroneously paid by Freedom Mortgage and believe it is ludicrous that I should be blamed and saddled with the burden of inflated monthly payments and the collection of my money which had been held in trust by Freedom Mortgage. 

I will work with the lender to solve this issue but I need assistance. I did not have any idea that these funds had been mishandled and should I have known, I could have been attempting to correct the issues. 

Please feel free to contact me XXXX. 


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

I've called numerous times. Many of these were removed from my credit and seems to reappear. I've mailed a letter over 40 days ago. When I contacted the customer service department they refused to help me. They advised that I try RESENDING my mail again because they do not have it. They could not offer any more help or advice. They refused to dispute any of the incorrect inquires on my profile. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Auto and personal loan are both listed as XXXX XXXX on all platforms. Called XXXX  XXXX and the debt was sold to a third party agency ( Best Service Company ) whom I have no contract with. So the debt it listed incorrectly. I was also told the wrong amounts then what are listed by the Best Service Company over the phone.
Product: Debt collection

This slimy debt collection company Critical Resolutions, uses fake names and cloned phone numbers, they already said they closed their file when I provided my bankruptcy discharge when I filed a complaint about them before, however I continue to receive harassing and threatening phone calls from them XXXX phone numbers XXXX and XXXX often the caller identifies them self as XXXX, there are numerous consumer complaints online about this sleazy company I received XXXX phone calls today, home, work and my cell!!!! what else do I need to do to get these people to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit reporting or other personal consumer reports

I am disputing a debt with XXXX XXXX XXXX XXXX XXXXXXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that XXXX XXXX XXXX XXXX XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX - XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly asked this company to update my personal information that is inaccurate and not current. Please have these updates made immediately.
Product: Debt collection

Constant phone calls early in the morning almost every day, I have reported the company multiple times to the XXXX I have also disputed the company due to the excessive phone calls. I have been told on multiple occasions that they would continue to report this account to the credit bureaus and my score will be lowered. I am in a income driven plan status and I have still been getting phone calls when we are in a life crisis right now due to Covid 19
Product: Credit card or prepaid card

Synchrony Bank closes 5 account stating the I was a high risk for failure pay. 3 account are {$0.00}. One {$2500.00} approx and another {$6600.00} approx. 
I have never missed a payment and I have an excellent payment record. 
Call bank and they claim the credit bureaus reported me as a high risk. I checked all my reports and call all credit bureaus and none claim that I am a high risk. I have never missed a payment and that is what my statement reflect. 
Call bank again and they told me they can not help me an log the complain. They can only see that I am a high risk and no other information has been given. 
I have asked all the operators I talked to if I was delinquent in any payment. They all confirmed my accounts were always pay on time. 
I want to understand why Synchrony Bank is lying about my financial behaviour and why they closed my account with no really fundament in their claims.
Product: Credit reporting, credit repair services, 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 XXXX XXXX  XXXX 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 of 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, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX Balance : {$600.00}, XXXX XXXX XXXX Original creditor XXXX XXXX. XXXX Balance : {$220.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$580.00}XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/2017, XXXX XXXX XXXX XXXX offered a good deal on a credit card. Then, without my knowledge, someone in my family applied for the card for me. But to my surprise, I saw on my credit report that I was declined for something I didn't apply for! Therefore, it's a complete mistake as I wouldn't apply for a non-secured credit card with the short amount of credit history that I have!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe UNITED REVENUE CORP this debt, they have no debt validation for this debt. I have no contract with UNITED REVENUE CORP. Also UNITED REVENUE CORP is in violation of my HIPPA rights. I never authorized UNITED REVENUE CORP to hold my medical records. XXXX  is also in violation of my HIPPA rights posting medical debts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having problems signing in to credit karma
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to Experian several times that a collection account has been paid in full, and paperwork supplied, but still showing negative on credit report. Collection agency said they have sent in paperwork also, but this still hasn't been corrected on my credit report.
Product: Mortgage

I hope this email finds you well. I am reaching out to express my deep concern regarding the status of my loss modification review for my home loan, which I applied for on XX/XX/XXXX. As a mother of XXXX, the importance of stable housing is paramount, and the lack of communication and professionalism exhibited by your company has been incredibly distressing. 

I attempted to check the status of my application on XX/XX/XXXX, but I did not receive any response. According to the FHA guidelines, I should have received a review within the XXXX period, and it is disheartening to feel as if my family 's well-being is being overlooked. It appears that there is a significant gap in the service I am receiving, leading me to question the intentions of your company. 

I urge you to address this matter promptly and provide me with an update on my application status. My familys future depends on your timely response. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX
Product: Credit card or prepaid card

I was a victim of Identity Theft, someone tried opening up numerous accounts using my information, as I contacted numerous credit card companies to notify them it was not me most of them were helpful and removed the inquiry from my credit report. However Paypal Credit was the only one who treated me like I was the criminal not the victim, the individual I spoke with was rude and told me that they could not remove the inquiry from my reports, I was told that I would need a police report and I would need to fax it in in order for them to remove the inquiry, this is after I notified them that it was not me who applied for credit and not only it was not me but they used a wrong address to do so. Paypal Credit still refused to remove the inquiry without the Police Report. It is hard enough to deal with the identity theft issue by it self, but to have a credit provider treat me like I was the criminal was not expected.
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This is my alert from   XXXX    Credit tracker : CCBPAYPALCREDIT obtained a copy of your   XXXX   Credit Report.  XX/XX/XXXX Alert Da te :  XX/XX/XXXX   XX/XX/XXXX  Date Filed :  XX/XX/XXXX  Source :  XXXX  Phone :   XXXX   XXXX   XXXX   XXXX  3 Address :   XXXX   XXXX   XXXX    XXXX , MD  XXXX - Company CCBPAYPALCREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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. 



XXXXXXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, MA ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX XXXX Inquired on XX/XX/ ; XXXX XXXX XXXX Inquired on XX/XX/ ; XXXX Inquired on XX/XX/XXXX XXXX XXXX  ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX ; XXXX XXXX Inquiry :  XXXX. XXXX XXXX  ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX