23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 The law offices of XXXX XXXX XXXX XXXX was trying to levy all of my bank accounts for the amount of {$8200.00} I don't have any knowledge of this debt and why they are tying to levy my account I want an end to this harassments from this company XXXX XXXX XXXX  Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. XXXX  XXXX  XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, XXXX didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX XXXX  XXXX  in XXXX XXXX for the last XXXX years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time XXXX  I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to Experian AND XXXX. Experian is telling me that I probably need a police report as well as the identity theft commission paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. XXXX is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my XXXX  XXXX  XXXX  because it feels like no one is listening to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries appearing on my credit report credit report. I do not recognize these inquiries, and I believe I am a victim of identity theft. 
Upon reviewing my credit report, I discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

BMW XXXX - inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2022, I received an Experian Alert, indicating that my credit balance for one of my accounts was decreased, but I was unable to login without providing my social security number. I'm also unable to reset my password. Please see attached. 

The alert relates to an issue whereby I was charged the wrong amount by a vendor ( where I am living ), on XX/XX/2022, which appears to have raised a fraud alert. The vendor may have reported the issue to XXXX XXXX XXXX XXXX ( affiliated of the XXXX ). Then the erroneous charge from the vendor on XX/XX/2022, went through on XX/XX/2022. 

On XX/XX/2022, I reported fraudulent activity to credit card company ( XXXX ) for a charge on XX/XX/2022, from the same vendor where I am living. I also reached out to to XXXX  XXXX XXXX XXXX directly, but they left early for the weekend and insisted on proceeding with unusual billing practices. I have also informed the XXXX Corporate Headquarters ( see case number XXXX ). 

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

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/2020, I filed a complaint disputing a fraudulent charge on my Bank of America account ending XXXX, in the amount of {$3100.00}. On XX/XX/2020, I received a letter from Bank of America rejecting my claim stating that " Our records show the transaction activity in question was authorized and posted correctly to your account ''. When the charges took place, my card was not in my position. Bank of America did not explain why they came to that conclusion rejecting my fraudulent claim. I did not make or authorized the charge on my account. I am a victim of Identity theft. I am requesting Bank of America to do a proper investigation and send me a report with explanation with evidence why they came to this conclusion when I did not purchase or authorized anyone to use my card to make purchases in question.
Product: Mortgage

O/n XX/XX/2618 I contacted Fay Servicing by email to follow up on the payment deferment request my wife made on by phone a few days before. I did not receive a reply from them until XX/XX/18 after I filed a complaint with CFPB on XX/XX/18. 

On XX/XX/18 my wife and I submitted the application for deferment with all required documents explaining our financial hardship situation. After two months, we received a letter dated XX/XX/18 from Fay Servicing stating : " ... unfortunately you are not eligible for an alternative to foreclosure. Our review indicates that, although you may have a hardship, you do not qualify for any available loss mitigation options ''. However, Fay Servicing did not explain in the letter why we are not eligible for payment deferment, even though we may have a hardship.
Product: Debt collection

A debt collector by the name of Radius Global Solutions LLC is trying to collect a debt i do not owe plus the collection agency does NOT have a license to collect in the state of NY. They are in violation and i want them to cease and desist. 

The amount is for {$8100.00} and they offering me to pay {$4800.00} I tried reaching out and dont get anywhere with it.
Product: Checking or savings account

The Bank is refusing to honor its Promotion and credit the account with an Incentive Bonus. 

XX/XX/year> the Account was opened under Terms and Conditions for Business Checking Up to {$1000.00} Cash Bonus Offer. 
While the Conditions were met the Bank have not honored the Offer within its Terms. 
After numerous Requests and Reminders the Bank made partial Bonus concession with the use of arbitrary interpretation of Offer 's Terms and Conditions that resulted in arbitrary application of the Offer to different Accounts. 
The language used in the Promotion is deceptive in its contradicting requirements not consistent with Secure and Normally Practiced Banking Relationship, follow up clarifications provided by Bank 's Representatives was latter dismissed, although the language of later versions of Promotions was changed to reflect the clarifications. 

" On Day 90 after account opening, the Average Collected Balance in the account from Day 1 to Day 90 must be within a range shown below. The Average Collected Balance is calculated by adding the Collected Balance in the account for each day of the 90 days and dividing that figure by 90. '' makes no sense in English or Banking. 
" On Day ... '' and " from Day.. to Day ... '' within the same paragraph combined with " within 90 days of account opening '' in another paragraph is there to confuse the customer and leave the Requirements to Interpretation. 
Expecting the Customer to make a calculation of Average Balance based on 90 Daily balances while the Bank does not report to Customer " the Collected Balance in the account for each day '' is there to trap the Customer into Interpreted Noncompliance. 
Expecting the Customer who opens an account online around XXXX XXXX to have $ XXXX on the deposit the same day is there to trap the Customer into Interpreted Noncompliance and deceive the Customer into the relationship
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i an writing to formally request the immediate removal of inaccurate information from my Transunion credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts and inquiries are listed incorrectly and are causing significant harm to my credit worthiness. I have previously disputed these items with TransUnion, the items still remain on my report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. I kindly request that the Federal Trade Commission intervene to ensure that TransUnion remove these inaccurate items from my credit report immediately. The erroneous imformation is adversely affecting my ability obtain credit and causing undue stress. Thank you for your prompt attention to this matter. i look forward to a swift solution. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC XXXX ( XXXX ) it states this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to XXXX USC XXXX it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Money transfer, virtual currency, or money service

On, XX/XX/12 robinhood restricted my account citing " unusual activity '' even though it was me and only me who has been using the account. I've called and asked to speak to support and they said they would verify any information I give to them via email ( submitting photos through a client. Due to the account restriction I am unable to use the funds within the account. This is a huge inconvenience to me.
Product: Mortgage

My mortgage was sold to Loancare sometime between XXXX of 2019. XXXX, my previous company, went bankrupt and I was dumped into this company. Almost immediately, my escrow payments increased XXXX a month, for what the company said were " under payments ''. I provided documentation to them that stated my taxes had no been raised enough to constitute that much an increase, and my homeowners insurance hadn't either. No one cared and they stated that they would re-evaluate it in 6 months. I couldn't afford to pay this, so I missed payments and my credit was deeply affected. Every time I would call, I would get a different person with a different answer or different explanation. No one cared, no one helped and no one would look into things. I asked for a supervisor, but never got one. Just transferred to their department. I was forced into taking a loan modification to avoid foreclosure. All along, my credit suffered even more. It is now in the low XXXX 's and will be years before it's turned around. 

On a side note, there a thousands of reviews online of this company, the overwhelmingly vast majority are negative. They seem to all be about escrow issues and no one can get any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/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
Product: Debt collection

XXXX XXXX is repeatedly calling my cellphone and the HR department of my employer attempting to collect a debt. Per my rights I requested they mail any information related to this to me so that I can review since they stated they had all my personal information. They refused to do so. They told the HR department that they are XXXX XXXX from XXXX XXXX XXXX   regarding a complaint against me # XXXX. After calling them back on XX/XX/XXXX to find out what they wanted they refused to send anything in writing and became aggressive and cussed at me saying not to call them back with this XXXX and that they no longer wanted to talk to me only to my supervisor. Transferred me to his manager XXXX XXXX. Ended up hanging up on me. I called back and told them not to call me or my employer again. Today is XX/XX/XXXX and I received two missed calls from them and they called the HR line again requesting to speak with my supervisor. I called the XXXX number back today XX/XX/XXXX around noon and ended up speaking to XXXX XXXX again and he insisted on me giving a statement of intent as he was investigating this for a client. I again asked to be mailed something regarding this issue and he refused saying he will not stop trying to reach my supervisor to talk some sense into me giving them some information since he had a papertrail of all of my private financial details. I mentioned to him that I dont know how he got any of my information since I dont know him or his company. He continued on about how this was a courtesy before taking next steps. Numbers contacted by them are ( XXXX ) XXXX and ( XXXX ) XXXX. I did an internet search on the internet and there are pages of accounts of the same type of scenario by many others posted on the web.
Product: Mortgage

This company does not process payments in a timely manner whatsoever. They tell you on their app that the payment has been posted and processed and then it doesnt even process for eight or nine days and then they charge you late fees. If it doesnt clear your account they send you multiple pieces of documentation and show on their website that your payment has been processed in your account is current and then they wait nine days to process your payments and then if it doesnt clear, they charge you fees For late fee for non-sufficient funds, and they reverse everything. This is dishonest and misleading.
Product: Debt collection

XXXX XXXX has harassed my company with asking for payment in the amount of {$210.00} for advertising not approved by me, the owner. After months of calls asking for payment and myself refusing to pay they have now filed a collection notice through First Collection Services with the creditor account number XXXX. Our rural area does n't even have XXXX. The collection notice as a date of XXXX XXXX, 2017 and asks for checks payable to XXXX, XXXX. XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

I have been a customer with Capital One for the past 25 years. I've never missed a payment and have paid on time in full each month since I have been with them. My current card provided a 1 % reward on all purchases. 
I recently lost my card and asked for a replacement which was received in about 10 days from my request. 
After using the card for a few days was refused by a vendor. I called Capital One and was advised that a restriction was placed on the card. The customer service rep indicated that she did not why the restriction was applied but indicated she had removed it. 
The following day I attempted to use the card again and again it was refused. 
Once again I called Capital One and was advised the the restriction was reapplied. I asked why and was told they did not know. I asked to speak with a manager and was told they did not know either but that they would not speak with me until I provided them with a photo of my driver 's license front and back. I gave them the DL number but did not see a reason to provide them with the photo as there have never been any problems with identification for the past 25 years. Again, all bills have been paid to date. 
I decided to cancel my account with them and cancelled my account after all debts had been paid. 
When I requested my Reward balance of {$550.00} they refused and advised me that as I had not provided them with the photo ID they would not return the reward. 
As the photo ID was demanded when this issue arose as opposed to anytime in the past 25 years I did not think it was appropriate and was tantamount to extortion of sorts and was used as an excuse not to return what was agreed to regarding the conditions of the card. 

Please let me know if you require anything in addition to the above. 

Thank you XXXX XXXX
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. 

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.