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

XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXXXXXX {$770.00} XXXX XXXX XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Information is on my consumer report that is a result of identify theft. I did provide written permission or instruction for the identified transaction to be reported on my consumer report. I am asking that that the reporting of this information be blocked and deleted. 
I have filed this with XXXX, Equifax, and XXXX... 

I am not making this request in error. Its base on misrepresentation of the facts that this wasn't me. 
I'm asking for assistance in this matter. This information and transaction are not related to me. 

XXXX XXXX
Product: Debt collection

I moved from XXXX to XXXX XX/XX/year> XXXX 
I was on auto payments and completed and closed my account Now I see amsher collections trying to charge me {$610.00} for a debt not owed
Product: Debt collection

Sent a letter asking for back up on the debt reflecting on my credit report and have not heard back.       If the company can not send proper back up, please remove from my credit report and stop all collections
Product: Credit reporting, credit repair services, or other personal consumer reports

False and defamatory information continues to be included on my credit report by Equifax.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX XX/XX/23, CAPITAL ONE FINANCIAL repod my car, and took it straight to an auction lot XXXX XXXX hours away from where I reside, after my account was charged off on my credit report. A charge off means they were paid. They then hired a 3rd party company to steal my property. Without notice. They offered me no help in finding out where my car was located at for XXXX weeks. Nor has anyone been able to inform me what happened to my personal property inside the car. XXXX representative told me then can sell my car whenever theyd like. So apparently I have no rights according to Capital One Financial. I called multiple times, each time being a long drawn out frustrating experience, XXXX hours on each call without gaining any needed information. I was told if I did not give them my social security number, or account information, on the account they closed, they had to disconnect the call with me. I have requested multiple times my original contract, my original promissory note, from the employees in the presidents office, And case manager, which I still have yet to receive from them, in order to verify proof of debt owed, or proof of funds I supposedly received for said loan from them. They were not at the dealership upon the business of my promissory note signature. They are holding me and my ability to travel & self sustain at ransom, for presumed said past due amount. Even after reporting charge off & closing of account to credit bureaus, which they took no responsibility for doing when addressed. I have rights, and am the owner, & beneficiary of my property. They have committed conspiracy against me, and no corporation has more rights over my securities & equity than I. I never received the right to dispute, nor any due process for such harm caused upon my life.
Product: Mortgage

Ocwen Financial Services LLC has refused to update my contact information in their system for the past five months. After having mailed in a request for address change as per their instructions three times in the past 180 days, my information has still not been updated in their system. 

Yesterday, XX/XX/2017. I called Ocwen and spoke to a supervisor who promised to send me an email at that moment to which I could respond with my written address change and that she would personally make sure it was taken care of that day. She never sent the email. 

I have wanted to pay off my mortgages with Ocwen financial for several months, but without the proper contact information, the release of lien for my loans would be sent to the wrong address. I believe that Ocwen is acting in bad faith. The negligence on their part has cost me thousands of dollars of additional interest payments. Just last month, I sent in a payment for over {$110000.00} to pay down the balance of one of my mortgages, hoping to at least minimize the additional interest charges I am incurring while trying to get this resolved. Instead of applying the balance to my principal, Ocwen placed it in a 'suspension ' account. This is reflected on the attached statement. Ocwen representatives called me several days after the payment was made to ask me 'what I wanted them to do with the payment ' even though their online payment form specifically listed it as additional principal reduction. 

I would like Ocwen to update my personal information immediately so that I may pay off my mortgages. I would also like to be reimbursed for all of the interest charges I have incurred for the past 180 days during which they have failed to act.
Product: Credit card or prepaid card

I have two credit cards with Aspire XXXX and XXXX Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  Credit Management Control  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A ACCOUNT WITH SWISS XXXX AND PAID IT OFF BUT ITS STILL BEEN ON COLLECT AND CREDIT BREAU WOULD NOT REMOVE AFTER SENDING A LETTER FROM SWISS. ALSO THERE HARD INQUIRIES THAT I DID NOT APPLY FOR AND ASK FOR DELETION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 after the cruise ship stopped at XXXX, my wife and I got off the cruise and followed people to the nearest private beach to swim. This is the place where the unauthorized charge occurred on my Citibank credit card for {$65.00} ( XXXX XXXX dollars ) for no reasons. The merchant 's name for this place call XXXX XXXX XXXX XXXX XXXX. Entrance fee is $ XXXX, I paid {$30.00} for XXXX. We did not asked for any services, no food, no drinks, no equipment rentals and no any other purchases involved. At night, I found there were XXXX pending charges on my Citibank credit card, XXXX was {$30.00}, the other was {$65.00}. Immediately I used my mobile phone to dispute the {$65.00} charged, The Citibank bank system said : If you dispute this charged we have to close your credit card account right now. We did not bring that much cash for the trip, besides Citibank card, I brought my XXXX, but most countries outside the XXXX do not accept XXXX credit card, also for most credit card company you have at lease XXXX  days to dispute any unauthorized charges, so I decided not to cancel my credit card for now, because after we got home XXXX days later we are going for another trip for vacation so we need the visa credit card for spared. next day we still have a few hours hang out in the city before the cruise takes off, I did not feel well and had some XXXX, we got off the cruise and headed to a pharmacy in the city to get some XXXX, I was thinking go back to this place to dispute the charged with the owner, timing was the issue, would the owner listen to us? will the owner be there, or they just tell you to leave they will investigate the issue and contact you later? I was thinking we are not local, we from the US, do you think they will contact you by mail, by phone or online for {$65.00} unauthorized charged? plus I did not feel well at the moment, we decided go back to the cruise take a rest and file a dispute with Citibank when we arrive home. It took Citibank more than XXXX months tried to solve the issue, XXXX days ago the bank sent me a notice saying that they completed the investigation for the unauthorized {$65.00} charged on my credit card, Citibank said they are unable to resolve the dispute, and I am responsible for the dispute charge? Citibank asked me if I would like to pursue this matter, contact the merchant directly. This seems like a joke to me! Citibank is XXXX of the world biggest financial institute, I could not believed it can not protect XXXX of his client 's credit card for {$65.00} unauthorized charge? I don't know what are the policy for unauthorized charge liability for Citibank credit card, this is the reason I would like to file a complaint with CFPB. I hope CFPB can help me contact Citibank credit card to find a solution for this matter, it is very unfair for me to pay for some thing that I never used, never asked for serviced and never purchased. Thank you very much.
Product: Checking or savings account

We are a small business that regularly makes check payments in large sums via Chase 's Bill Pay feature. 

We have a Bill Pay thats been stuck as pending review since XX/XX/XXXX for {$30000.00} that was supposed to have been sent on XX/XX/2022. 

We never got a text or call from Chase about there being an issue, and only discovered that it was in " pending review '' status a couple of weeks after it was supposed to have been sent. 

We have since spoken with various departments at Chase for at least 4 times, for multiple calls lasting 2 hours or more in aggregate. 

In short, various Chase departments claim they can not approve nor cancel the transaction, which means we can't even get our money back. What's worse, they continuously transfer our attempts to call back and forth between departments that tell us they can't do anything, but to try the other department. Meanwhile, we have no way of accessing our funds, and our recipient has not received their payment for approximately 3 weeks by this point. 
At this point, we've spoken with the Chase Fraud Prevention Department, the Electronic Money Movement Department, the Claims Online Department, regular customer service, the Secure Message feature when logged into, all of whom claim they can't do anything, and to speak to one of the aforementioned departments who will then say the same thing. At this point, it's clear they either have a serious glitch in their system with no way to resolve this, or they are intentionally keeping a significant sum from us with no recourse for us to retrieve our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry that was on my credit report from XXXX/XXXX on XX/XX/2018 which I didnt request. 

I called their customer service number and the rep told me they do these randomly to increase credit limits. I informed her I dont need a credit increase and she told me there was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXXXXXX {$11000.00} XXXX XXXX {$14000.00} XXXX   XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and I noticed that a account that I previously disputed that was approved is still showing on my credit report inaccurate .I tried contacting the credit and Transunion resolving this issue and I was told that the account would be deleted within XXXX days however the account is still showing on my report after I've filed another Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$22000.00} Past Due {$9800.00} Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XXXX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; UNPAID BALANCE CHARGED OFF XXXX also attached a screenshot showing where the dispute was XXXX
Product: Payday loan, title loan, or personal loan

Opp Loans, has failed to apply my loan payment in a timely fashion. 
-They have failed to notify me of the option to make payment on holiday, not including the most recent email I received asking me if I wanted to. 
-They are not calculating my interest correctly, they are counting the beginning and ending dates multiple times. 
- The fail to provide me with accurate information on my loan, interest, and days counted for that interest. 
- When I refinanced the loan, they failed to tell me that my first payment would not be applied to my interest or principal. 
- I've called several times on these issues with no result, and when asked for a supervisor or manager the line is disconnected or I'm refused.
Product: Mortgage

because of the mismanagement of funds by XXXX XXXX XXXX XXXX we were required to file bankruptcy ( chap XXXX ) in XXXX to save our home.on XXXX/XXXX/XXXX the bankruptcy was finished and cleared. during the bankruptcy our mortgage was transferred to shellpoint mortgage servicing co. immediately after the bankruptcy was finished ( XXXX/XXXX/XXXX ) shellpoint served us with a " notice of default and intent to accelerate '' in an attempt to collect {$19000.00} which they said was was still owed. we hired an attorney XXXX XXXX XXXX, and after almost a year shellpoint admitted that we were actually current and did not owe these sums. in the meantime they have reported us 3 months late on payments causing our credit to plummet a XXXX points.further they were paying our property taxes even though they were collecting escrow for them. in an attempt to get away from them we tried to refi our mortgage with XXXX XXXX XXXX but because of the poor credit score the rate was no different than with them so this is costing us approximately {$800.00} a month in extra money.
Product: Credit card or prepaid card

DISCOVER BANK XXXX I have called and sent letters including a police report to the company requesting to close this account due to fraud. This account was opened fraudulently. I have made several phone calls to the company insisting they close account immediately and remove the account from all three credit agencies but they have not done that.
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 : CREDIT COLLECTION SERVICE Account number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ Installment loans, and Credit Cards ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and XXXX XXXX XXXX XXXXXXXX XXXX ] with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

This agency will not validate this account I would like to obtain the initial signed contract, full billing, payment, applied etc on this account. I requested prior and nothing has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Student loan

On XX/XX/23 I was notified my loans qualified for PSLF with over 120 payments. It is now XX/XX/23 and my account has not been fully forgiven. I have served the public as a XXXX  worker during a pandemic risking my health and my families health and to be treated like this is insulting. MOHELA is not honoring the PSLF laws and processing they are advertising.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of the XXXX XXXX XXXX  account on my credit report, as this information is both inaccurate and inconsistent with the records maintained by other major credit bureaus, XXXX and XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), TransUnion is required to ensure accurate and consistent reporting across all credit bureaus. Failure to comply with this requirement is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I believe myEquifax is unregulated discriminating w/points a risk on my XXXX score. I don't understand paying $ monthly fee to safely monitor and protect my credit report from fraud and they unlock my credit account so 3rd party company 's XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX perhaps others to hack. How I know this is because I would login monitored found my account unlocked and not frozen at times. Equifax has a few negative inacurrate comments like cash rewards revolving a balance, negative soft reports I've disputed these facts already. My mortgage has been in good standing there are no delinquencies late payments or delay payments etc. I've blocked notifications via email received from XXXX XXXX XXXX. Recently on XXXX XXXX, 2023 an email came from XXXX XXXX an insurance representative asking me to accept a quote. The problem is I have never contacted them nor do I wish to be in any business relationships with XXXX XXXX or any other insurance company. I sent a written message and phoned XXXX XXXX XXXX XXXX and complained not to solicit my name for investors. And to take my name off the list they acknowledged it could take 90 days for my name not too appear.
Product: Debt collection

Access capital services keeps calling all my family members and myself to collect on an old debt that has been paid off. I have even sent them proof and told them to stop contacting me and my family/friends, and they still call threatening to take legal action and/or arrest me. They need to be stopped of their harassing calls and sharing my information to all friends and family members.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed ASAP, or I will sue for each violation and act of identity theft.
Product: Credit card or prepaid card

DISCOVER acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX On XX/XX/XXXX I used an advertisement letter to open a credit card and I gave them my employer XXXX XXXX which was Not open when I called them after 6pm and they said wait a second to verify employment and a girl said " welcome to the family '' and she opened the acct up. My employer was never contacted and I have been on social security XXXX the entire time and since an illness in XX/XX/XXXX I was never in my RIGHT FRAME OF MIND as I spent credit limit by XX/XX/XXXX and DISCOVER has done everything to make sure I cant get out of debt, during stimulus deposits I PAID extra amounts and they swallowed it up in SERVICE FEES and every {$200.00} I paid I never had greater than {$25.00} over my limit in spite of this I got tired of paying extra and when I pay over {$97.00} minimum they give me {$44.00} and I am happy to pay {$55.00} a month in interest, then it went down to {$37.00} and this month XX/XX/XXXX they took {$73.00} in INTEREST and the acct is a negative {$48.00} for the FIRST TIME. They should have never iopened an acct w/o verifying my EMPLOYMENT and CREDIT in the first place
Product: Consumer Loan

I had experienced some hardship during the course of my loan with Capital One. I called them up for assistance and they explained that they are able to move the amount past due and move it to the back of the loan, which would extend the date by that number of months. In reviewing my account online, I now have a payment due of 2.7 times my regular monthly payment. I spoke to a representative and she said that I can make a partial payment, but if the full is not paid in 30 days after the due date, it will go on my credit. We have been good customers with the bank for years and this is how they treat their customers? 

Also, on their mobile app, the it is stating that our payment due is {$350.00}, which is different from the website and the automated system. Thus, their company is even telling me different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XX/XX/XXXXXXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had a balance with XXXX XXXX so Mercantile became the collections and stated I had an outstanding balance of {$400.00} on XX/XX/XXXX. In the middle of making monthly payment Mercantile sold the account to XXXX XXXX and then stated the balance is {$970.00}, the monies i already paid can not be accounted for. On XX/XX/XXXX i paid {$50.00}, and on XX/XX/XXXX paid {$52.00}, now XXXX has the account and says i owe the {$970.00}