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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

US Bank acquired my CD when they purchased XXXX XXXX XXXX. US bank renewed my CD without notice for 30 months at 0.05 %. To close the account they now demand a penalty of over {$8000.00}. How can this be legal?
Product: Debt collection

For the past 2 years I have received near daily calls from over 50 different phone numbers in the name of Portfolio Recovery Associates. This is in regards to a debt which at this point is 10 years old and well past the statute of limitations. I have requested on multiple occasions Portfolio Recovery Associates stop calling me however they continue to pull soft credit inquiries on me and resume calls within a few weeks. This company has absolutely no respect for the people they harass. I am constantly adding new phone numbers to my miles long block list on my phone to try and stop the harassment. They do not respond to cease and desist either which I have tried on multiple occasions. They deserve to be thrown in jail for this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have received a temporary dispute and am being asked to provide a 2nd opinion letter which is impossible for all intents and purposes. 

Please see the attached correspondence.
Product: Debt collection

I reported a fraud on my social security about an identity theft, which I repoto the relevant authority not only to see those unauthorized transactions on credit reports, both are XXXX XXXX XXXX, I never apiece for any card from.them.
Product: Student loan

unable to get any kind of forbearance on my private loans with Navient. THEY NEED TO OFFER IT!!! I can not afford these payments. I could barely afford food, gas and a roof over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report that do not belong to me. 

Please see attached files!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been paying, on time, my Capitalone auto loan account on time from XX/XX/19 to XX/XX/19. 
in an effort to improve my credit, which I had improved to 700-750 [  ALL MY BILLS HAVE BEEN ON TIME FOR THE PAST 2 YEARS OR LONGER ] .On XX/XX/2019 the auto loan MATURED with a remaining balance of late fees totaling {$1100.00} ( + ). Prior to the XXXX maturation of the loan, I contacted Capitalone on to occasions to satisfy the late fees to prevent it from being reported to the credit bureaus or turned over to an outside collection agency within 90 days. They stated it would not be a problem and it WOULD NOT be reported to the credit bureau as long as the balance was paid within the 90 days. I continued to pay the original loan amount in XX/XX/2019 of {$630.00}, In XX/XX/2019, Capitalone reported my account 30days delinquent because the entire balance of {$1100.00} was not all paid. Although I was paying the balance down, they continued to report the remaining balance as 60 days late and finally 90 days late. I cleared the balance in full on XX/XX/2019. As I'm satisfying the balance, I'm also in constant contact with Capitalone to remove the incorrect data on my credit report.To this day, this was not corrected to my satisfaction, with the erroneous information remaining on my credit reports and continuing to destroy my credit
Product: Checking or savings account

Chase bank closed my credit cards, checking account, savings account and my business account in XXXX. When I called to find out what was going on they time me I would get a letter in the mail. I got the letter 10 days later and it said it was due to inappropriate conduct with employees. I have never been inside a Chase branch in over 2 years so I am completely unaware and confused as to what they are talking about. I dont know why my accounts were targeted but I want to learn how they can close my accounts when I havent even been inside a branch.
Product: Credit card

WELLS FARGO DROPPED MY CREDIT LIMIT FROM XXXX TO XXXX K. I HAVE PAID THIS XXXX  ON TIME ALWAYS!! THIS HAS CAUSED A XXXX POINT DROP ON MY XXXX XXXX.THIS HAS ALSO CAUSED ANOTHER XXXX K LOSS ON CREDIT LIMIT WITH OTHER XXXX, NOW I CAN NOT GET A CAR LOAN OR A SOLID LOAN FOR A HOUSE! MY INSURANCE HAS GONE UP AS WELL!!!
Product: Mortgage

Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail. 

Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done. 

Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County? 

Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.
Product: Checking or savings account

I woke up to unauthorized transactions 7 to be exact. 5 from XXXX and the 1st was for XXXX only to see if there was any money to start draining. I received the text to authorize it n until I woke up I could not hit no which I did multiple times but chime instead pushed the transactions through n now refuse to refund my money. XXXX is a lot of money for me and I need it back. I'm not giving my money to them for their beneficial wealthy growth to become millionaires illegally by robbing innocent people. Not today CHIME!
Product: Credit reporting or other personal consumer reports

All of the information on my credit file is inaccurate. I have submitted several disputes to no avail. I have my credit reports, and they are all showing the same incorrect information. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your help and assistance in this matter. I have contacted the credit agencies and your agency several times about this already. I hope this can finally get resolved. Thank you again.
Product: Mortgage

In 2017 my wife of 25 years XXXX XXXX XXXX XXXX and I, XXXX XXXX XXXX, looked at a townhouse in XXXX, Alabama with XXXX XXXX, a Realty South real estate agent in XXXX, Alabama with XXXX XXXX, a Quicken Loans mortgage originator in XXXX, Michigan starting a mortgage application for us. 
Unfortunately after we began the application process, my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
Unfortunately we could not close on either property, the first townhouse in XXXX, Alabama in XX/XX/2017 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) or the second townhouse in XXXX, Alabama XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Quicken Loans ) in XX/XX/2017, because my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
We have been renting an apartment at The XXXX XXXX in XXXX, Alabama since. I have not received my personal financial paperwork back from XXXX XXXX since not closing on either property because I thought we were divorcing.
Product: Debt collection

Various threatening calls to send authorities to serve legal documents. Nonstop phone calls from various numbers from different states. Worst debt collector for many years, unstoppable. 

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Vehicle loan or lease

Ally Bank is fraudulently attempting to collect additional fees. They refuse to acknowledge the evidence I provided ( Tire condition photos with date stamp on it, vehicle has 16k miles ). Ally provided photos of incorrectly measuring tires with tons of mud in the treads. They have lied multiple times about a payoff quote claiming that Ally does not have such option ( I have recorded conversations ). They are threatening to forward amount to collection. I can only speak to certain agents, I can not get to any different department agent ( i.e. dispute department, problem resolution, customer satisfaction ). They have confessed and acknowledged that the vehicle is a " grade 4 vehicle '' ( excellent condition ) which will most likely sell above its residual value ( also have recorded conversation of that, matter of fact it was the first call I received from them ). I  need advice on how to take legal action against Ally. Please help p.s. please pay close attention to how the measuring card is bent, the treads " barely '' miss the " allowable '' mark. See the amount of mud inside the tire treads.
Product: Credit card or prepaid card

Payactiv card which is owned and operated by XXXX XXXX  XXXXXXXX XXXX in XXXX  XXXX Missouri is holding my money hostage and trying to take my money in double batches.. for example XXXX returned an amount of XXXX to my card and it was posted to my card only to be taken without consent or authorization by me .... The money is being held hostage on an unauthorized hold and will not be released until said company XXXX emails them a letterhead .... Also on XXXX an amount of XXXX was taken and they are trying to retake that SAME amount in different transaction amounts i.e XXXX on XX/XX/2022 i now have text messages to confirm they were trying to do this scandalous action... i would like my money back or else next step is filling with the f.b.i
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report have an account listed that are not mine. I disputed the accounts as " not mine '' but it recently came back as verified.. I have never had an account with these companies..Please delete immediately before further harm is done.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX  report of {$98.00} that should not be on my report because it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Its still showing XX/XX/XXXX my XXXX is XX/XX/XXXX on my equifax report my credit report was available to me until this year
Product: Credit card or prepaid card

This complaint deals with my Ann Taylor credit card at Comenity Bank. I paid the card balance of about {$300.00} on XX/XX/2019 -- one day late. I was assessed a late charge and a minimum interest charge of {$1.00}. I paid another {$27.00} in late XXXX, the late charge? I was traveling and didn't have the statement in front of me. 

Since that time, Comenity has been assessing a minimum interest fee of {$1.00} on what, I'm not sure and charging a {$27.00} late fee on a minimum interest charge, that is generated every single month on the previous month 's late fee!! This is absolutely outrageous!! I have not made any Ann Taylor purchases since XXXX. 

I called last month and the customer service rep reversed the fees, apologizing. I left the card open. Today, I got another bill for {$29.00} consisting of minimum interest charges and late fees. I called again, the customer service rep refused to reverse the late fee and the interest, so I cancelled the card. 

This practice is unfair, deceptive and abusive. I would like for Comenity to reverse any and all fees and interest charged to me since XX/XX/2019. I would also like for the CFPB to inquire into this practice by Comenity Bank, order restitution to all similarly situated consumers and assess civil money penalties against Comenity for a UDAAP violation.
Product: Checking or savings account

Received call from National Bank of Arizona informing me of suspicious activity on my debit card. Caller had all my information card number passwords etc. was told my card was compromised and would be cancels and a new card would be issued. He told me he was sending a verification code via email and once I received it to read it back to him which I did. During this he placed me on hold while he finished up. At this point I received email alerts that that persons were added to my XXXX account, which I immediately emailed back that I did not add anyone, still on hold I hung up and call the bank alert line because money was be taken out of my account, during this call the first caller called back I informed him of what was happening he told me he saw the transactions and closed down the account and I would have to go down to my local branch to resolve the problem and transferred me to the main branch office, the lady there told me the same thing, go to the local branch they could not do anything on the phone. That was Friday the XXXX, on Monday XXXX went to XXXX Bank XXXX here in XXXX, I was informed I was fraudulently taken advantage of but it appears to be the banks opinion there has been not evidence to how it happened, as a result I am out over {$700.00} and my account closed down. But worse is the bank has revoked my online banking permanently. In other words go find another bank. I have never had any problems at this bank and dont believe I acted inappropriately when dealing with this matter even if there was a fraud my actions were reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Debt collection

AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.
Product: Credit reporting or other personal consumer reports

My credit score in TranUnion has fluctuated wildly in the last few months. Here 's the history : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fluctuation does not seem to be driven by any adverse factors. Number of accounts, hard inquiries, late payments, etc. have not changed at all in this period. 

I called the TransUnion line, but the person I talked to could not provide any explanation.
Product: Credit card or prepaid card

there were fraud charges and discover closed my ACCOUNT not my card, and my credit history was reset.
Product: Debt collection

CC : XXXX, XXXX, XXXX Third party debt collection means charged off and is now considered a certificate of indebtness. 1099C cancelation of debt. This now means this is income and income can not be reported to my credit report. 

Please remove from my credit report. 

Acccount : Portfolio recovery XXXX
Product: Payday loan, title loan, or personal loan

I applied to Bank of Americas refinancing of my home trying to force me to pay off credit cards to them when I have never been late. I declined that loan because them trying to force me Today I was turned down for a loan by them because I believe they are retaliatory now because of this. I havent charged on the cards they want payed in 2 years and I pay down 40 more each months payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX ( OPENED XX/XX/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 instructions
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report XXXX opened XXXX XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX  opened on XX/XX/XXXX and a balance of {$850.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX with account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$240.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$820.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

Penn Credit has been harassing me via phone and mail saying I owe a debt but have not provided any contract showing a debt is owed although I've asked several times.