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

This is in relation to complaint XXXX. I called XXXX XXXX XXXX  on XX/XX/XXXX XXXX ET and it was mentioned that the debt was " recalled '' by Capital One. I'm looking to settle this debt and both the credit card originator nor the debt collector knows where it is.
Product: Debt collection

I received an alert through my identity monitoring service about debt with Rent Recovery Solutions for an apartment lease in XXXX  for XXXX. I have never lived in XXXX I have lived at the same address in XXXX since XXXX. My monitoring service reported the fraud in XX/XX/XXXX. I also reported it to the XXXX XXXX apartment complex. When I reported the debt was fraudulent, they hung up on me. On XX/XX/XXXX, a fraud packet was sent to Rent Recovery via fax and again via certified mail which they signed for. The package included an ID Theft Affidavit, proof of Id, police report information, proof of my residence, etc. I have lived at the same address since XXXX in XXXX. I also included a Power of Attorney for my Fraud Resolution case manager XXXX XXXX. We have left several messages for rent recovery to discuss the account and make sure no further documentation was needed. Rent Recovery Solutions has failed to return any calls and has not confirmed receipt of the package or that the account is under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX - AUTO FINANCE Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX - CARD SERVICE Inquiry Date XXXX XXXX, XXXX
Product: Prepaid card

I received a prepaid American Express gift card from my company for a XXXX bonus. It had {$900.00} on it. At first, I was able to use it in most places, however, now it is declined no matter where I use it - both online and in-store. I called the customer service line and they told me that the card is active and working. They also told me to wait XXXX hours before I tried it again. It worked for XXXX additional purchase at an online store, but now it says the card has been declined too many times and won't work. As of XX/XX/year> it says it still has {$360.00} on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I received an email from someone within my institution about a XXXX XXXX XXXX XXXX   opportunity ( I found out after the fact that their account was compromised due to phishing ). I applied for the job and received an email from XXXX XXXX ( XXXX ), as well as a text ( XXXX ) letting me know that I was accepted. I then received a packet in the mail on XX/XX/20, with which I was provided cashier 's checks from XXXX XXXX XXXX XXXX totaling {$2900.00}, which I was to deposit in my checking account before completing my task. The instructions were to go to the nearest XXXX XXXX and purchase two {$1200.00} gift cards and fill out a survey on my store experience. My compensation would be the difference in what I was paid and what I purchased in gift cards. I also received a follow-up call from this man afterwards, who asked me about my experience at the store and seemed very nice on the phone. After following the instructions of sending the codes on the backs of the gift cards to the phone number ( XXXX ) and email address ( XXXX ), I was then asked to send a cashier 's check and money order donation to the XXXX XXXX XXXX -- which I have not done, now that I know this was a scam. 
As a result, the checks bounced, I was charged {$36.00} in fees from Chase Bank for these checks, and I am out the {$2500.00}, which Chase is not willing to help with. 
I have filed several reports, contacted the XXXX XXXX, and notified the Federal Trade Commission, none of which were able to do much to help me recover the funds or solve the issue. But I wanted to make as many organizations aware of this fraudulent scheme as possible. This man is claiming to be with XXXX XXXX ( a legitimate secret shopping/market research company ). I also filed a police report with XXXX XXXX, IL Police Dept ( # XXXX ) at ( XXXX ) XXXX.
Product: Credit reporting

XXXX pulled my credit report without my consent and I did not apply for credit nor do I have an account with them.
Product: Debt collection

Hi My Name Is XXXX XXXX, I need help with a very serious situation. 
My situation : I had rented a home 10+ years ago. The man I rented the home from was a slum lord and we moved out of the home 2 months earlier because he refused to fix things at the home and said it was my responsibility! 
They sent it over to a collection agency by the Name of Advance Debt Collectior locates here in XXXX Indiana theyre phone number is XXXX ) XXXX-XXXX- act # XXXX They have been harassing me and my daughter that lived with me on our lease at that residence my daughter lives in California they are harassing her and also trying to garnish her wages. I myself am XXXX Im on XXXX. However I receive at least 5 calls from them every day saying now my debt has went up. I originally owed them XXXX XXXX dollars Ive paid them off all but XXXX dollars I paid because they were scaring me over the threats. Please help me. XXXX Thank You So Much in advance
Product: Checking or savings account

XX/XX/XXXX I opened a " Business Value 200 Checking '' account at BB & T online website. Deposited {$250.00} initial deposit via debit card during opening process. I set up online banking, was able to log in to see account. 
XX/XX/XXXX I realized I can not log into Online Banking due to " account locked. '' I tried to reset my password, system told me to call in to BB & T Online Banking help XX/XX/XXXX I called Online Banking help, was told that account was locked and closed due to " risk management assessment. '' I was also told that I need to go into a branch with identity/address proof to unlock the account. I said I do not want to deal with this anymore, I want to close my account and retrieve my {$250.00}. Was told to call New Account department on Monday when they open. 
XX/XX/XXXX I called New Account department, was told the same thing as before : account is locked and can not be reopened until I go to a branch to reactivate by providing proof of business and address. I told them 1 ) I can not go to a branch given my work/travel schedule and their operating hours, 2 ) I do n't want to use this bank anymore so I just want to close out the account and retrieve my {$250.00}. Rep ( XXXX ) tells me this is the bank 's process that must be done, there is nothing else offered. I ask if I can fax or mail them proof instead, since I can not make it to a branch ; she says no. I ask XXXX if there is a policy written anywhere that I agreed to that this is the process that must be followed for reactivation, she says no. She reiterates there is no other recourse before I can get my funds back.
Product: Credit card or prepaid card

on XX/XX/XXXX i wrote an email to Capital One, asking for late payment forgiveness during a very bad stage in my life. i had a secured credit card but in XXXX, XXXX i suffered through XXXX  XXXX, i XXXX XXXX XXXX  due to XXXX XXXX, and i became XXXX because of XXXX   XXXX, to the point where my children and i XXXX XXXX XXXX, XXXX, XXXX XXXX even XXXX XXXX XXXX. i spoke w a XXXX  he said they didnt need any info to verify, they believed my situation but for me he was a little insensitive he asked me for more information about my XXXX, i got a little shaken up because i honestly didnt want to go down that road but i answered hoping they would remove the lates fee and if not all at least the ones from XXXX. Even going over such information i was still denied, he said he looked through the policy and it wasnt something they could do. My account is now current but closed. however, i was approved for a unsecured credit card by them with a {$300.00} limit, a few days after i was denied. i am working on my credit, i am now stable and would like for the late payments to be removed, if i have been approved for a new card, why could they not take the late fees off the old. i need help with this company.
Product: Credit card

Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more
Product: Credit reporting or other personal consumer reports

IN REGARDS TO THIS PHEAA THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( XXXX U.S.C. 552a ) ( b ) Conditions of Disclosure. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( XXXX ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
This also violates the XXXX XXXX ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the XXXX XXXX, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent account are reporting on my credit report. 

XXXX XXXX {$14000.00} XXXX CARD {$2600.00} XXXX XXXX {$420.00} XXXX  XXXX {$1000.00} XXXX CARD {$4400.00} THE BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Self. Inc, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete this account off on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Product: Debt collection

I had a credit card with Citi ( account ending in XXXX ) that opened in XXXX. The date of last transaction was XXXX. I received a phone call on my cell phone and at my job from a company that identified themselves as dispute resolution center on XX/XX/XXXX. They asked that I call XXXX in reference to file # XXXX. They stated they were going to contact XXXX  XXXX ( where I live ) if I did not respond. I called the # and they had my name and date of birth. I asked why they were making veiled threats about suit or inferring the county government may get involved in a debt that is so old. The statute of limitations is long expired. I also asked when they received consent from my to contact my cell #. They stated they did not need consent. When I asked what their mailing address was I was hung up on. I called back and asked another person for their business address and again was hung up on. I called A third time and it went to voicemail. I know my rights under the FDCPA, especially as it relates to third party debt collectors which I presume is what this company is. I demand restitution under FDCPA and TCPA and I demand to never be contacted about this again.
Product: Credit card

The credit card company made a revolving credit limit in XXXX cards and reduced my credit limit substantially. This action destroyed my credit score. 
XXXX card from XXXX to XXXX. 
XXXX card from XXXX to XXXX. 
XXXX card from XXXX, XXXX to XXXX. 
I have always paid on time. They didn't advise me, just send an email
Product: Money transfer, virtual currency, or money service

Told cashapp I transferred money for an apartment and was not given keys after money was transferred to the person i was told they could do nothing about it i was told to request the money from the fraudulent person which of course I didnt get back
Product: Credit reporting

I 've been fighting with Experian for a few months now. I bought a car back in XXXX - I was able to have my credit report pulled just fine then, but after getting the car I started having issues. I applied for a mortgage shortly after and the bank was n't able to pull my Experian credit report, but they were able to pull my wife 's report just fine. I called Experian and they were certain it was on the bank 's end ( even though they pulled my wife 's report ), because everything was fine on my account from what they could see. They confirmed I have no blocks or freezes in place. The house sold before we could make an offer due to Experian not helping find a solution to the issue. A couple of months later we tried again with a different house and had the same results - this time with a completely different lender. I called Experian back and got the same story - they did n't see any issues on their end and I had no blocks/freezes in place. I even spoke with someone in special handling this time. They could see my report just fine and said nothing was blocking it on their end - it must be the bank. Again, this was a different bank and they could also pull my wife 's experian report. Also, the lender 's were able to pull my XXXX and XXXX reports just fine. 

I subscribe to XXXX monitoring alerts and have n't received any changes/alerts from Experian since XXXX/XXXX/16 ( when i purchased my new car ). I should have received at least a few from new credit cards, new student loans, and credit inquiries. I have been unable to view my report online through the adverse action portal or through the online dispute portal with Experian also. I enter my information correctly and get an error screen that I have to fill out a form and mail in my information since they were n't able to find me in the system. I also tried to purchase my FICO score through XXXX - they were able to pull my XXXX and XXXX scores, but could n't return a result for Experian. Nobody can pull my report, including myself. 

I called one more time just a couple of weeks ago and again, they told me no issues on their end. There was a temporary fraud alert on my account, and I had them remove it ( hoping this would cure the issue ). 
I waited a couple of weeks after the fraud alert was removed and I applied for a XXXX XXXX credit card. I was declined due to not being able to access my Experian report. They pulled XXXX and XXXX without issue, but use all three when making their decision. 

I 'm out of ideas and they refuse to help. Something is OBVIOUSLY wrong with my account/file on their end and it is preventing anyone from pulling my report/score .... this is preventing me from getting a mortgage or any line of credit that uses Experian in their decisions. Can you guys please help???
Product: Mortgage

The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ]
Product: Mortgage

I lost my job and got behind on my mortgage. I was able to make payments for a while but after a year I ran out of money and I could not continue to make my payments. I reached out to my servicer and asked them to help but they said they could not do anything for me. I want to keep my home and get back on track with my mortgage, however, the current mortgage servicer is unwilling to set up a payment plan with me or rehabilitate my loan in any way. They are asking for {$6500.00} upfront to reinstate my loan, but I do not have {$6500.00} cash to give them. I have contacted XXXX XXXX XXXX numerous times to set up payment arrangements, but they refused to accept any payments because they wanted the past due balance to be paid in full. I need to get some kind of help now and I do n't want to lose my home.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in response to a recent communication from XXXX XXXX XXXX dated XXXX XXXX XXXX, received XX/XX/, in regard to my request for a yearly tabulation of the rearranges. I have attached a response from PHH clearly stating my request and letter requesting additional time to provide me the information we requested. On XXXX XXXX XXXX I received a letter dated XXXX XXXX XXXX  that once again did not address my concerns. I have attached in a PDF communication from PHH stating my request and requesting additional time in order to provide me answers to my request along with the final letter I received XX/XX/, dated XX/XX/2023. The letter dated XX/XX/2023, received XX/XX/2023, did not address my request at all. 
In closing, our property has been posted for foreclosure. The information we ask for seems like it would have been the same information needed to create a trial modification. Understanding our payment after the trial period would be critical to know. As I stated initially, this process has been inconsistent with irregularities to say the least. We scheduled several appointments with our Escalations Manager to no avail and her replacements for the appointments had little or no information to provide and even less resources. 
The entire balance is being charged with no concessions, nor did we request any. We think it is only fair to know what is in the contract. We should have an opportunity to consider everything and sign on knowing what our commitment will be. 
Genuinely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

12 Cfr 1002 12 Cfr 1002.7 15 USC 1681 15 USC 1611 15 USC 1692 15 USC 1691 Any more violations shall Be found and given to the fraudulent corporation " Penfed '' which denied my credit extension im confused I don't understand. I am the Original creditor it say 100 % for my account I need this for my family we need funds for transportation to work I'm worthy I have good intentions I come to you in good faith as always CFPB pleas help me my federally protected consumer rights are getting violated. 

XXXX credit for automobile loan Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act