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

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance Owed : {$53000.00} XXXX XXXX  XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX : {$58000.00} XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance Owed : {$53000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance {$640.00} XXXX XXXX  XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$58000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

In early XXXX XXXX XXXX called me in hopes of recruiting me into their company. I spoke to XXXX for 2 hours and he asked me about the reason I attended a business seminar called XXXX XXXX which is how he got my number. XXXX explained to me that this mentorship offered by XXXX today would help me elevate my business and told me that I was purchasing a business mentorship. They initially changed me for {$19.00} as an initiation fee. On XX/XX/XXXX was the day i had my first meeting with my mentor XXXX. After talking with XXXX, I realized that this was not a business mentorship as promised, however is was a class based on the law of attraction On XX/XX/XXXX I called to talk to XXXX cancel because this was a bait and switch. I called to have the mentorship cancelled. I spoke to a customer service representative and explained to them that I was promised a business mentorship, however I received a laws of attraction class. They opened an investigation and promised to get back to me.I continued to follow up weekly with various representatives with no conclusion. Finally, I spoke to a representative, XXXX about 3 weeks later and he confirmed that I was in fact misled by my sales rep, however they said it was too late for me to cancel. As an alternative they offered to reassign me to someone else. I explained to them that I felt scammed and would not like to continue with the program and would just like my money back or to simply have them cancel the mentorship and future billing. They refused and say I am out of the 3 day cancellation window. I believe this is never unfair because I didn't even have my first session within those 3 days to know whether I wanted to continue the program or not. 

The Class was for 1 year {$4400.00} which I could not afford the one time payment so they offered me a payment plan. I accepted and am now paying {$160.00} for the next 36 months totaling {$5800.00} On XX/XX/XXXX I received a phone call from Monterey Financial Services saying that if I do not make a payment there will be a negative credit report reflecting on my credit record. I have tried to call them numerous times today on XX/XX/XXXX to try to dispute the billing but was fortunate enough to get a hold of someone. What " XXXX XXXX '' is doing is fraud and I would like help in resolving this issue.
Product: Debt collection

In XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX I went to the hospital ER room for an illness. However from the paper work that was shown to me by the hospital and verified by contacting their accounting department was advised they had the inaccurate address on my file. 

The address they had was my address from XX/XX/XXXXwhen I was their for XXXX and was placed into the system by the file on their records. When contacting was advised that it was a hospital records XX/XX/XXXX error due to the insurance card they had on file during my visit listed my new address. 

No letters were sent to my new address however notices were sent to the old address which I havent resided at in over 10 years and was placed on collections. Contacted collection company XX/XX/XXXX and they advised that it was still my fault even if hospital had wrong address. 

Contacted hospital again XX/XX/XXXX advised balances owed was XXXX yet collections company wanted XXXX due to late charges even though hospital accounting staff verified insurance card had new address but all notification was sent to old address.
Product: Debt collection

I sent a letter asking for validation of debt owed to Paragon Revenue Group because I have no or have I ever had business with them. During the dispute/validation process every few days this company has flagged my credit. It has caused my credit to decrease 23 points. They sent me a statement of alleged debt amounts I owe them. They even stated others names on the bill who I am not aware of. They continue to update the collection but has yet to provide validation as per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have reached out to an attorney and intend on moving forward with legal actions against this company. This has been an ongoing thing with this company and I consistently get them deletes and they pop up with new amounts not being able to verify any debts owed to them.
Product: Checking or savings account

I have a problem with crypto.com company, it started in XXXX I contacted them to reset my XXXX authentication code due to the fact that I lost my phone. It took them forever to respond so I contacted XXXX instead and in a matter of XXXX minutes my problem was solved. I was trying to withdraw my money from the platform since crypto has a huge dump and it lost its value once I got to the last step I realized that I lost my ability to withdraw my money and not a minute later the rep changed my app password and I was locked out of my account. Since then I made a complaint to crypto.com and I tried numerous times to fix the issue with I have done a lot of verification steps to get my account back and all I was getting is we will get back with you soon and thanks for your patience. So now I am writing this message after XXXX  months or more and my money lost more than the half of its value. Last thing crypto.com offered is to redo the same verification steps again and to reset my password with no compensation or any type of courtesy to make it up for what they did. For all this wait, time and effort I am filing a complaint as I fee injustice for what happened. Thanks
Product: Money transfer, virtual currency, or money service

I attempted to send my mom money for rent and added her phone number to my XXXX XXXX account on Chime. Only after sending funds did I realize that it was going to someone other than my mom ( the system didnt show any alternative names prior to submission ). So {$150.00} went to a complete stranger who then took/accepted the money. I attempted to notify the company of what happened. They said theyd launch and investigation and then denied my claim and allowed the unauthorized party to retain my funds. They enabled theft.
Product: Credit reporting or other personal consumer reports

XXXX is the only agency who holds power over a false 30 day reported payment from XXXX XXXX. Paid in full XX/XX/XXXX which was alone late showing late XX/XX/XXXX. This account status needs changed to paid in full close never late. XXXX is the only agency who is scamming the American people I have perfect payment history yet companies like XXXX can ruin your life and marriage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.
Product: Mortgage

My lender, New Penn Financial LLC / Shellpoint placed forced insurance coverage on my property improperly. I have maintained insurance coverage for my condo ( XXXX and exterior building policies ) for the duration of my ownership beginning in XXXX XXXX. 

The lender placed coverage on XXXX XXXX, XXXX for a period dating back to XX/XX/XXXX. I did not receive any formal notice of them placing coverage. Upon discovering the amount on my monthly statement of {$1100.00} as an escrow balance, I contacted them and provided sufficient information of coverage, which led to a partial refund. Over the past year I have tried several attempts to get them to refund the full amount for the coverage period they specified. I have been given various email addresses and fax numbers by various customer service representatives, and none of that has resulted in the full refund being issued. Again, I have sufficient coverage for the time period they reference and have submitted it to them several times to no avail. 

To summarize, they force placed coverage when I had existing coverage for a backdated period, did not request any proof of insurance from me prior to doing so, and did not provide any notice in writing that coverage would be placed. They have thus far refused to issue the rest of my refund. My latest attempt to resolve this issue was by phone on XXXX XXXX, XXXX in which a customer service representative assured me that she had spoken to an " insurance department member '' and they assured me that it would be refunded. When I asked for a specific name and title of the " insurance member '', for future reference which she refused to provide. The representative would only state that any member of the insurance department could help me in the future, and that it would in fact be refunded. 

I am strongly considering legal action at this point, and would very much like your assistance in resolving this matter.
Product: Credit card

I recently noticed an unknown transaction on my credit card and filed a claim online. Following this, I saw a chargeback on my account. When I reached out to Chase Bank to clarify how they confirmed the transaction, I was told that it was assumed I had my credit card when the charges occurred. I clearly stated in my claim that I did not have my card at that time. The representative I spoke to was very rude and insisted that I contact the company directly. This is impractical, as companies typically will not confirm any information to customers in such situations. The charges occurred out of state far from my home. 

Additionally, it is frustrating that while Chase frequently blocks legitimate charges when we attempt to use our card, they allowed these fraudulent charges to go through after we lost the card. I expect better treatment and support as a customer and hope this issue can be resolved promptly.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting late payments on the accounts that never had any late payments and was paid in full and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX US DEPT OF EDXXXX XXXX XXXXXXXX, 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: Mortgage

Hello, CFPB, I was recently afforded an a loan modification through Dovenmuehle who is the servicer on my home loan and its owned by XXXX XXXX  . I successfully completed a 3 month trial modification XXXX XXXX XXXX paying {$3200.00} for three months and with the understanding that if completed, l will then receive a lower affordable monthly payment. I received a package in the mail on approximately XX/XX/2023 with agreement and terms of the new payment however the documents have a date of XX/XX/XXXX and Dovenmuehle is asking for a payment of {$6000.00} for XXXX & XXXX and once received my new payment will be {$2900.00}. This payment must be received in their office by XX/XX/XXXX and must signed by a notary public in order for the new terms to be accepted. I believe l was blindsided by this and was not made aware of this type of payment which doubled and l dont have. I made several attempts to speak the specialist in their loss mitigations department but have been told they dont speak with any homeowners and the terms are not kept, they will move forward with foreclosing on my home. This is not how a mortgage company should operate and this wrong. Im respectfully asking for CFPB to assist me with this matter in hopes of stopping my home from foreclosure.
Product: Credit card or prepaid card

Hey I open a bank with citi bank on XX/XX/XXXX and I got my second check from my job and I did mobile deposit on XX/XX/XXXX they told me I have to wait 1 business for the check to clear and my check still didn't clear so I called to XX/XX/XXXX check still didn't clear at all and they telling me I have to wait for next month idk why this is un professional
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. XXXX This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act These accounts included with date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have 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 written instructions.
Product: Credit reporting

Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave
Product: Debt collection

I noticed Portfolio Recovery Associates on my credit report around XX/XX/XXXX/XX/XX/XXXX time frame. So I started disputing their alleged debt, they said I owned. I was looking for someone to answer questions about this alleged debt. I sent correspondence after correspondence, without them answering my actual questions I asked. Portfolio Recovery keeps responding with very canned responses. Ive tried to write directly to the CEO or anyone with firsthand knowledge. No one at Portfolio Recovery is able to answer my questions, on this alleged debt. It seems they hide behind a depart such as disputes department to answer question. Hints they really do not having anyone the tell me legally how they are staying on my credit report and still trying to collect on this alleged debt, they really do not have much info on. Portfolio also keeps asking me to provide more information. If I dont recall having this debt, why would I have more information?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a Credit Card with Capital One ( Card Ending with XXXX ) and have a 0 % Balance Transfer. On my Statement, I see the Promo Purchase in XXXX, along with Percentage Rate ( 0.00 % ) Balance Subject to Interest Rate ( {$1900.00} ) and interest Charged ( 0.00 % ) Nowhere does it show the Expiration Date of this Promo Balance. Not online or in my statement. I have called EVERY MONTH after receiving my statement and explain the same complaint to no avail. Every other Card shows when the promotion expires, which leads me to the belief, that Capital One hopes that date will be MISSED They have no problem supplying the following information Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged Credit Limit Available Credit Cash Advance Credit Limit Available Credit for Cash Advances As well as Payment Due Date New Balance Interest Saver Payment Minimum Payment Due
Product: Payday loan, title loan, or personal loan

In XX/XX/2016, I took out a loan of {$2100.00} From XXXX. At the time, I was not made aware of the interest rate, which is 64 %. Three months later, I entered into credit counseling, which included this account. They accepted the agreement, as evidenced by the attachment showing them accepting the payments as other. However, they are not adhering to the credit counseling agreement. They say that I still have a balance of over {$2000.00}, after paying {$2700.00} so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month and a half ago I was told that my mortgage credit history was not showing on my FICO score. I was told to call and get my mortgage reaffirmed and it would help save a lot of money on my refinancing that I was looking in to. I called Bank of America and asked to have it reported to the agencies and they gave me a " Case '' number for it. I received a letter from them two weeks later and they wanted to know which posts on my history that I disagreed with so I called them and once again told them I simply wanted to have my mortgage history to show on my credit history, making my score much higher, thus saving me a lot of money. They noted my account again and made " profound '' notes to state my desires. I called back two weeks later and they told me that the history would show on my FICO score on the XXXX of XXXX. On the XXXX there was nothing posted and I called again and they told me that they would never post my payments history for the full length of my contract because I had filed for a bankruptcy 10 years ago. The mortgage was never part of that bankruptcy and told them that they had no right to continue to punish me and cost me thousands of dollars because I filed ten years ago. What right do they have to inflict damage on me for 40 years?! This is unfair crediting practices and has caused damage and cost upon me!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.