23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency, XXXX XXXX violated my right as a consumer by failing to acknowledge my right to dispute data they placed in my credit file when I believe that the data do not belong to me. XXXX XXXX alleged that owe {$490.00} and {$690.00} to different creditors that I do not know. Rather than correcting the record upon a credible dispute by the consumer, the agency decided to disregard the dispute by not marking those challenged entries as disputed in my credit file. 
XXXX XXXX violates the Fair Credit Reporting Act. FCRA Section 623 ( a ) ( 3 ) 623. It is the responsibility of furnishers of information to consumer reporting agencies [ 15U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. Additionally, according to FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information that is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
Moreover, none of the three major credit bureaus XXXX XXXX, XXXX, and XXXX, helped the matter when I forwarded the dispute to them. Instead, the credit bureaus referred me back to the collection, XXXX XXXX. To create more complications, XXXX XXXX operates from XXXX, SC. transferred the case to another collection agency, XXXX XXXX XXXX in XXXX, MI.
Product: Mortgage

I have a Home Equity Line of Credit with Citizens Bank ( @ CitizensBank ). I called them recently to see if I could get a lower rate. 

The sales person told me Yes. All I had to do was apply for the new loan, which would be almost a full percentage point lower. Then, if/when approved, I could just cancel my original line of credit. 

Now that I've started the process, sent in documents, and had a credit check, Citizens Bank tells me the rate will be almost a full percentage point *higher* than my existing loan. 

What a bait and switch! I hate to think what this will do to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have 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 items that are reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/2021
Product: Credit card or prepaid card

I noticed on my TD Credit Card account, through TD Bank, I was charged the following late fees ;XX/XX/XXXX {$25.00} XX/XX/XXXX{$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX{$35.00} The due date for payment is the XXXX of every month. I do not receive a statement, however, payments are always made in the early morning of the XXXX of each month. When I called to discuss the charges on XX/XX/XXXX, I spoke with XXXX from Card Services. She acknowledged that I should not receive late fees, and she would rectify the issue. That did not happen. I called Card Services today, XX/XX/XXXX, spoke with XXXX the supervisor. She refused to assist me in rectifying this issue. I also contacted the Banking Commission, and they stated I should not be charged late fees and referred me to Consumer Protection, and as a result referred me to you. Any help you can offer would be most appreciated. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.
Product: Debt collection

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). IC SYSTEM is reporting this false information on my consumer report without verifying it first which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number. Additionally, I demand that they answer my dispute line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company is reporting a collection on my credit report and i will want it verified and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to deny me access to my credit report for over one year. I have mailed them certified letters with drivers license showing my name and proof of address, and additionally I have faxed and mailed this information along with utility bills. They took months to mail me my first report after several faxes. I sent all letters certified mail and faxes too. I have recently began accessing my report online weekly via XXXX XXXX XXXX. Now they say I should call and do not allow me access to my report online. I was able to access last week, I filed a complaint. But today, XX/XX/2022, they deny me again. I recorded the phone conversation, they do not allow me to verify and their auto attendant does not let me talk to a person. They say I need to mail verification again. For over two years I have repeatedly verified my identity with them. This is in violation of my consumer rights to access my report and verify its accuracy. It appears they may be willfully withholding my report from me because I have filed complaints against them. Therefore I will verify my identity and correspondence through the CFPB only from this point forward.
Product: Credit card or prepaid card

XX/XX/2021 received notice via email of " charge of {$540.00} on PayPal account, needed to verify if transaction was valid ; if not, needed to call phone number listed, or no call, transaction would go through, '' Person listed from XX/XX/XXXX . Called phone number, person answering very difficult to understand his speech. I gave the PayPal account number, requested charge to be deleted, which was acknowledged.

I do not have a PayPal account, have never had one. He asked for name and other information to " verify account/transaction ; '' which I refused to give him, I told him this was a fraudulent call, that I was turning him into FCC/DOJ fraud site , then ended the call. The email used my correct email account.
Product: Debt collection

My name and information were used fraudulently with Pro Collect on XX/XX/2022.
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
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed I have fraudulent activity on my credit report. I have tried multiple times to remove this account off my credit report and this company did not budge. They could not provide proof that the debt and account belong to me. I have sent several dispute letters and somehow they continuously and end up missing.
Product: Checking or savings account

I have several complaints about my new experience with USAA. 

I am a XXXX dependent of a Veteran. Ive stated several times that I have memory issues. On multiple occasions Ive been locked out of my account and have been treated poorly by customer service agents acting like Im stealing my own money when Ive been able to identify myself over and over again. One agent put me on hold and said let me see what I can do to help you since you have a documented XXXX and then she hung up on my face. 

My second complaint is I disputed a charged from XXXX. I never received my food. I submitted proof of me attempting to contact the company over and over again about my order and USAA gave me a credit. They then reversed the credit 30 days later and refused to provide the documents I requested about the dispute. 


My 3rd complaint is my card has been locked. Its also no money in my account and my transactions are being declined rightfully so. 
Everyone knows XXXX and other subscription services illegally take money for subscriptions that have longed been canceled and they provide immediate refunds. 

This isnt about XXXX this about every transaction being declined except for XXXX  being able to overdraft my account! It doesnt make any sense that every other transaction is declined but this company is able to wrongfully overdraft my account. USAAs customer service is horrible and I get panic attacks attempting to resolve anything with these people! I am a poor, XXXX single mother in XXXX  struggling to survive. It shouldnt be this way!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX  XXXX XX/XX/XXXX- XXXX  {$0.00} XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX XXXX XXXX - XXXX {$19000.00} XXXX XXXX  - XXXX {$11000.00} XXXX XXXX  - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX XXXX  XXXX  - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXL XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase over the phone from a company I found online for a transmission. The salesman promised to call back within 3 days with a tracking number. After a week I tried to call back. My number was blocked. My wife called and he said he would check it out and call her back. Never heard from him and her number got blocked. Credit card charge was from XXXX. We contacted XXXX auto parts and they had no record of our purchase and said we had apparently been victims of a scammer that was using their name and we werent the first ones to report it them. 

We reported the fraudulently purchase of {$860.00} to Credit Karma on XXXX XXXX They said we would receive a provisional credit within 10 business days. After 12 business days we called and they said the credit would air within a few hours. Today we have called and spoken to 6 different people who are all located in XXXX XXXX and will not even tell us if there is an active office in the US, who all said the dispute was resolved because they received overwhelming evidence from the vendor that the purchase was legitimate, but they refuse to provide us with the information of how they contacted the vendor, what the vendors legitimate business name is, a tracking number with proof that it was delivered to us or any information as you hope they reached their decision of denying our valid dispute.

We tried to contact the Credit Karma headquarters in bc XXXX, California, but the number posted is invalid. We have proof that the person is a scammer. How can we get our credit back from Credit Karma? They refuse to transfer us to a customer retention department or a supervisor and will not transfer us to the dispute department. At this point not only are we being scammed by a professional scam artist ( XXXX with phone number XXXX who calls himself XXXX XXXX from New York ), but we are also being scammed by Credit Karma.
Product: Credit card or prepaid card

Hello. I opened my Chase Sapphire Reserve card in XX/XX/2018. My yearly membership fee of {$450.00} plus a {$75.00} fee for an authorized user was charged on XX/XX/XXXX. Before that fee was charged Chase decided to close my account, and at the time promised to refund my fee ( see attached email ). 

Why would Chase close my account and keep all of my yearly fee? I used the card as intended but Chase decided to close it for some reason.
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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: Debt collection

National credit adjusters bought up a debt in XXXX oXXXX XXXX that I had no knowledge about.. XXXX XXXX XXXX ( FDCPA ) establishes regulations protecting consumers from abusive debt XXXX. ( no debt XXXX company by law can buy up a debt without your written permission or notifying the consumer XXXX XXXX before due date.. the amount was XXXX in XXXX of XXXX and still stands to this day of XXXX XXXX XXXX XXXX during that time period.. 
According to the fair credit reporting act XXXX XXXX  XXXX ) it is illegal to report information on my credit report without my permission, can you please remove this item from my credit report
Product: Credit card or prepaid card

A purchase of XXXX was applied by error to our credit card on XX/XX/2022 and immediately refunded by the merchant. However the charge appears as {$820.00} with XXXX XXXX XXXX and the refund as {$820.00} with XXXX Exchange Rate. The latter rate is not correct and I request a refund of {$9.00}.
Product: Student loan

I went to XXXX XXXX in the fall of XXXX, I finished the program and the externship with the promise of getting a job by the school at said externship, and how easy it would be to get a job. Before I finished my externship my mom sadly passed away in XXXX of XXXX, I let my school know and also let them know I had to quit my job to be a le to do the externship so I wouldn't have money to be able to pay any fees and they said it was not their problem. I was doing the externship full time XXXX everyday. While grieving the loss of my XXXX. Once I finished they held my diploma and I won't get it till the full {$9500.00} is paid. I find it ridiculous that I earned my diploma working hard, studying, and doing everything I was told. But apparently I have to " buy '' my diploma. This whole thing is ridiculous, I have a job now but not in the field I went to school for because they said and I quote " the school I went to doesn't count for enough job experience ''. I spent money, time, and effort for no reason, I feel cheated and lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX XXXX Treanunion, XXXX, XXXX has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 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 this goes for all 3 agencies this information needs to be blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion to resolve the issue. These inquiries are fraudulent. 
The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Suit was filed by XXXX and XXXX  XX/XX/XXXX, attempted to reach out as the debt from XXXX XXXX XXXX XXXX XXXX was to have been previously paid with resurgent capitol but per XXXX and XXXX and XXXX it was not. Asked for documentation and was sent verifying. Reached out in XXXX of XXXX as I was advised they moved on with suit in court. Judgement was made I was contacted by my bank in XXXX of XXXX about a garnishment on my savings account. A phone call was placed to XXXX  and XXXX. Spoke with the first representative who advised in an unprofessional manor that its done and they will take the money no matter what they didnt care. With no negotiation possible. I called back later and spoke with a supervisor named XXXX and she agreed to negotiate the total of {$XXXX} to a new amount of {$XXXX}. I agreed to this, and asked if I would be sent documentation on this and also my bank. She stated that it should be received in a week and all I needed to do was agree to the amount with the bank and release the funds. Waited till XX/XX/XXXX and nothing was sent attempted to call XXXX  and XXXXr and per the XXXX XXXX XXXX they have not received anything either. Left a voicemail on their box for a call back waited XXXX week. No calls or voicemail, called again and left a second voicemail. Once again no documentation or info let alone a call. My mother passed away and left it alone for a few weeks. Call was made again in the first week of XXXX. No info or calls returned. Was advised by XXXX XXXX XXXX that a order judgement was sent to release the funds to them in the original total with interest, not the agreed upon amount of {$XXXX}. Placed a cal that day which is today XX/XX/XXXX. Once again just a voicemail as no one was available. I believe that they should have been required to hold their word and follow through with the agreement made. And not collect the larger sum, with interest.
Product: Student loan

I applied as a cosigner in XX/XX/2019 with SOFI to refinance my daughters student loans. I completed the credit application and provided all documentation requested. I was never notified of a credit decision. My daughter was sent an email on XX/XX/XXXX that I was ineligible as a cosigner. I contacted SOFI on XX/XX/XXXX, and was told over the phone that my credit application was WITHDRAWN and an email was sent to me on XX/XX/XXXX, I did not know what WITHDRAWN meant considering i applied for credit and provided all necessary documentation for a credit review and was told that a hard credit pull was completed. I asked to speak to a manager to file a formal complaint based on the fact that I applied for credit regardless I was a cosigner or primary that I completed a credit application and provided any requested supporting documents which included a hard credit pull that I was not formally notified of a decision simply that they could just withdraw my request for credit. My complaint I believe includes several of illegal business practices. I believe if I did not qualify under SOFI 's standards then the application should have been declined, I should have received a formal notification in writing which would allow me to follow up as a consumer. I do not understand how a company can legally pull my credit and then simply Withdraw my application and not provide information to the consumer. I do not understand how the other party involved my daughter the primary applicant received an email that I as the cosigner was ineligible, when I myself as the applicant did not receive proper notice. I believe legally when a consumer applies for credit via a credit application provides all necessary documentation to complete the application the application needs to either be declined or approved and the consumer needs to be formally notified. I do not see how SOFI can legally pull a hard credit pull find a reason not to qualify my request and simply WITHDRAW my application. Tell me that my application is Withdrawn, and email my daughter that I am ineligible and not give me any information on why I failed to meet or what their credit requirements entail.
Product: Mortgage

Purchased home in XXXX with my now ex-husband. 
We did an XX/XX/XXXX loan. 
2 loans one covering 80 % and a 2nd loan covering the 20 % My name was the only name on the 1st loan 80 % and we were joint on the second loan. 

We filed chapter XXXX bankruptcy in XXXX and it was charged off. 

The first mortgage was reaffirmed the 2nd wasn't. 

I refinanced the first mortgage in XXXX. Again the promissory has always been I my name only. Yet the Deed of trust filed to the court clerks office has both of our names on it. This is an error. The promissory note and the deed of trust are supposed to match. 
The Deed to the home was signed over to me only from both of our names. 
I can not get the mortgage company to correct the Deed of trust even though they state I am the only name on the Note. 
This is causing a huge problem with getting covid19 mortgage relief assistance since my ex-husband is still on the deed of trust. 
I would have to include him on the application. 
I can't get approval for refinancing since I am a stay at home mom and my current husband works. 
The mortgage is to stay in my name only. 
How can I get my mortgage company to correct the deed of trust without refinancing to match the promissory note?