23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection letter from this company about a balance owed to a doctor Ive never seen or heard of. This same company has hundreds of complaints online from people with the same issue. They are throwing spaghetti at the wall to see who will pay debts they dont even owe and that is not a fair debt collection practice. I am still waiting for verification that I owe the debt although I know it doesnt exist. This company should seriously be looked into by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE. I noticed on my Experian credit report this week that you ( experian ) have reported a charge off, which is that has been XXXX and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a XXXX so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form XXXX, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP and legal board doesn't want to go to court over this. Companies violating any of the XXXX codes in the FCRA are entitled to actual damages and monetary compensation. The accounts that are Charged off and hindering my financial health are listed, XXXX XXXXXXXX XXXX XXXX I sent you Certified mail That XXXX XXXX  could not validate the debt they say I owed them here is the tracking number XXXX. Since your company or the company mentioned above can not validate this CHARGE OFF I want it removed from my credit report. Once again you are committing XXXX fraud and should take this matter seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with Gateway one lending is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Transunion XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX of XXXX we filed for bankruptcy but did not include the mortgage in the reaffirmation. The mortgage was then sold to Freedom Mortgage from XXXX XXXX XXXX. From XXXX or XXXX of XXXX the mortgage payments were paid in full and on time by automatic payments. Now we find out that Freedom Mortgage is not reporting anything. After repeated request, they still refuse to report to the credit bureaus that we now have no missed payments, and no late payments for over a year and a half. Yes, our credit score suffered because of the bankruptcy, but now, for whatever reason, Freedom Mortgage is obstructively hindering our attempt to rebuild our credit, by refusing to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX & PORTFOLIO RECOVERY ASSOCIATES , LLC have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX
Product: Credit card

A charge was put on this credit card on XX/XX/XXXX. I cancelled the charge on XX/XX/XXXX in writing certified mail. I called Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to complain about this charge, they told me I had to go through the company who charged the card and work with them. I did that. The company who charged it stopped responding in XX/XX/XXXX and never refunded my money. I contacted an attorney, the XXXX  and CFPB about the charge and nobody could help me. They said the company didn't respond, so there was no was to get the money back. 
I send a dispute in writing with all of the information to Barclays two times, CFPB and the XXXX, and the Federal Trade Commission. I called Barclays to get help with this multiple times. Still, no help. 
I had a payment plan set up the whole time with Barclays for XXXX  XXXX, they changed it to XXXX  XXXX with no notice. The card was supposed to be XXXX interest for XXXX XXXX, they started charging interest with no notice. 
Barclays has refused to help me with this charge, and has added insult to injury with a charge that was cancelled. 
Today, I cancelled all payments and put a stop payment on them at my bank and cancelled the card. I have never used this card for anything, the only balance is the original charge that should have been refunded within 30 days. The balance is {$10000.00}. 
There should be no balance on this card. There should be no interest accruing on this card. The payments should have been exactly {$120.00}, no more.
Product: Checking or savings account

XX/XX/23 - XXXX XXXX XXXX reported to Truist while pending. Truist stated they would block it, if not contact them. They did not block it. We contacted them. They said to fill out affidavits. We submitted affidavits. 
XX/XX/23 - XXXX XXXX reported on XX/XX/23 with XXXX XXXX XXXX XXXX XXXX. We fill out affidavits for that fraud charge as well. 
XX/XX/23 - XXXX XXXX XXXX reversed. No explanation provided. Filled out affidavits again. 
XX/XX/23 - affidavits received by Truist on XX/XX/23 by XXXX XXXX. 
XX/XX/23 - Several inquiries as to status - no response XX/XX/23 - Complaint filed XX/XX/23 to CFPB XX/XX/23 - email from Truist stating working on concerns if need information contact XXXX XXXX. 
XX/XX/23 - email to Truist XXXX XXXX unreturned. No information ever provided. 
XX/XX/23 - email to Truist Client Resolution unreturned. No information ever provided. 
Important Facts : 1. ) XXXX XXXX is not used by anyone in my family. I would never put my debit card on XXXX XXXX 2. ) The fraud was three-fold- XXXX XXXX {$200.00}, XXXX XXXX {$100.00}, XXXX {$200.00}. XXXX was properly restored. 
3. ) Truist is aware on XXXX XXXX Fraud scheme please refer to attached article on XXXX XXXX dated XXXX XXXX. 
4. ) Truist has never responded or provided evidence that the charges were authorized. they were reported fraudulent while PENDING! 
5. ) By law and Regulation E, Truist is required to provide evidence. From a basic customer service standpoint, they should return email and calls. 
6. ) Complaint was closed erroneously by CFPB. On the day that CFPB said the complaint had been closed ( XX/XX/23 ), I received an email from Client Advocacy stated that Truist was still working to address my concerns and researching.
Product: Credit reporting or other personal consumer reports

There was a HARD INQUIRY reported to Experian on XX/XX/XXXX by XXXX. This was done fraudulently by XXXX and without my understanding or approval as a result of false information provided to me by one of their employees. I was placing an order for merchandise from their website via the phone. The person I was speaking to told me that I would get an additional discount on my order if I applied for their credit card. I told her that my credit was rated as FAIR, and therefore I would probably not be approved. She assured me that a credit credit check / inquiry would NOT affect my credit score. I believed her, and therefore applied for a XXXX 's credit card over the phone. I soon thereafter called the appropriate department to check on my approval and found that it only took them 15 minutes to immediately decline my application for credit. I later discovered that the credit check was indeed a HARD INQUIRY that now appears on my Experian Credit Report. I would never have applied for credit if I had been told that it was going to be a Hard Inquiry. Therefore, please remove this HARD INQUIRY reported by XXXX  on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX declines me b/c they don't have accurate information Experian is not reporting all my paid accounts proof is attached XXXX   XXXX doesn't show up on paid accounts costing me loans XXXX XXXX I paid how the loan have proof attached XXXX still showing XXXX owed attached proof of paid
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019 and XX/XX/2019 I closed 2 accounts with Chase. Both accounts were settled in less than full amounts and Chase Bank told me there would be no impact to my credit. Only that I would have to pay taxes on the settled amount. 

Since then, my accounts are showing as late, and or, missed payment with every credit bureau. I have disputed this several times with them and they will not change the status with the credit bureaus. I believe this is a malicious attempt to punish individuals who settled with them. I have settle other accounts before and after, and they are the only company who reports like this.
Product: Debt or credit management

On XX/XX/XXXX, I spoke with XXXX XXXX who informed me, on a recorded line, that included in this program is full legal protection in case of legal action against me for a debt enrolled with this program. This was the reason I decided to enroll. 

One of my debts was settled ( for far less of a reduction than they advertised ) in XXXX. I had questions about the legal protection and wanted more details, so I followed up on XX/XX/XXXX. On that day, I found out legal protection had never been applied to my account. 

I demanded that the original call be reviewed. On that call, I requested that full legal coverage be added to my account, as initially agreed upon, with no additional charges as I was informed this coverage was included. The representative indicated the issue would be escalated and Id hear back. 

I heard nothing so I followed up again on XX/XX/XXXX. The representative told me that according to internal notes, the full coverage option was not legally allowed in the state of Colorado where I reside. Instead, a lesser coverage option had been attached to my account without any communication with me. After hearing this, I escalated to management to get a refund of the fees I have paid for this service ( According to a representative named XXXX amounted to {$750.00} ), and all money of mine they currently held due to the breach of contract. 

Today, XX/XX/XXXX XXXX indicated, that after internal review, the fees paid could not be refunded. It was expressed to me that this was a misstep by " one of their affiliates. '' When I attempt to contact the " affiliate, '' which goes by " XXXX XXXX XXXX, '' all phone numbers lead to Beyond Finance. 

This company blatantly falsely advertised to me, breached our contract, and attempted to hide this from me while they profited off of deceiving me. 

Furthermore, the " debt reduction '' is a complete smokescreen. They promise a reduction in the enrolled debt, at the total on the day you enroll in the program. For one debt, we will call it XXXX XXXX, this was around XXXX when enrolled, and their app suggested that I would be able to settle this debt for around XXXX. However, when the debts skyrocket due to nonpayment ( XXXX XXXX went up to XXXX ), that is where they negotiate the settlement. They negotiated the XXXX debt down to about ... surprise ... XXXX. Which was the total amount that I enrolled. Afterward, they will take 25 % of the reduction of your debt as fees. It is in their best interest to allow your debts to grow so they can take the maximum cut, and furthermore appears to be their strategy. 

I am worse off by using this program.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal dispute letter to TransUnion regarding inaccuracies on my credit report. Specifically, I disputed the following accounts : XXXX ( Account Number : XXXX ) : I requested verification of the original promissory note, a complete account history ( including all payments and correspondence ), and evidence of timely reporting. 
XXXX ( Account Number : XXXX ) : I disputed the accuracy of a reported late payment from XX/XX/XXXX and requested documentation verifying compliance with FCRA 623, including a full audit trail and delinquency notices. 
XXXX ( XXXX Credit ) ( Account Number : XXXX ) : I disputed late payments reported for XX/XX/XXXX and XX/XX/XXXX, requesting creditor correspondence and proof of timely reporting. 
TransUnion failed to respond to my dispute within the required 30-day statutory period under the Fair Credit Reporting Act ( FCRA ). No updates, corrections, or verification of the disputed accounts have been provided. This violates FCRA 611 ( a ) ( 1 ) ( A ), which obligates credit reporting agencies to investigate disputes and provide results within 30 days. 

This lack of response has caused significant delays and stress, as these inaccurate accounts continue to harm my credit report and score. I request the CFPB 's assistance to : Ensure that TransUnion completes a thorough investigation of the disputed accounts. 
Remove all unverifiable or inaccurate accounts from my credit report. 
Provide written confirmation of the investigations outcome and an updated credit report reflecting the changes. 
I have attached a copy of my original dispute letter, my credit report highlighting the disputed accounts, and any relevant supporting documents.
Product: Checking or savings account

PNC Bank will not allow me to link my checking account with any of the apps that I would like to use for assistance in overdraft protection and financial guidance. I should be able to link my account with any company that I choose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report a collections account " XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account, I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLYEE I WAS NOT PROVIDED ANY CONFIRMATION OF ACCOUNT FROM EQUIFAX CONCERNING THE ABOVE MATTER. I NEED DIRECT VALIDATION OF PROOF
Product: Mortgage

My mortgage servicer, Seneca Mortgage Servicing ( Seneca ), maintains an escrow account to pay certain expenses on my behalf, including property taxes. My county property taxes are due in XXXX installments, the first of which is due on XXXX XXXX of this year. I have emailed and called Seneca repeatedly to ensure they know the correct amount of taxes to pay, that there will be a 5 % fee for late payments, and that they will pay the taxes on time. I have asked whether, alternatively, I should pay the first installment and seek reimbursement from the escrow account. They have only responded once to my multiple emails, and the response was entirely unhelpful ( it just told me to mail my tax information to a XXXX XXXX in California, even though Seneca had already acknowledged receipt from me of updated tax information ). When I try calling on the weekends, Seneca informs me it 's closed. When I try calling on weekdays, I am disconnected by a " courtesy hangup. '' I just want to pay my property taxes, but it seems impossible to get Seneca to communicate with me. Please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent activity on my credit report.
Product: Credit card

I set up a balance transfer from capital one to two different XXXX accounts and couldn't redeem the payment coupons to initiate the transfer. for some reason my account was closed, and my login access was restricted. finally able to get clarification that my account was closed due to fraudulent activity. i eventually received a statement through the mail a month later that was accurate. but i already incurred a late payment on my credit.
Product: Vehicle loan or lease

XXXX amount {$850.00} XXXX loan origination {$23000.00} account payed in full by XXXX XXXX  agency
Product: Money transfer, virtual currency, or money service

I was scammed on Cash App and contacted support immediately after being made aware. An imposter pretended to be a local buisness and was sent {$450.00}. I was given a partial refund on {$250.00} on a XX/XX/XXXX after Cash App completed their investigation that I was in fact scammed. I asked several times why I was only given a partial refund. Cash Apps website specifically states verbatim Cash Apps secure platform provides additional layers of security and XXXX fraud monitoring designed to actively protect and defend your money. *. They refuse to refund the additional {$200.00} despite their investigation. They have given me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One - XXXX is reporting erroneously on my credit file. I have called and sent in various letters to them stating that I am not an authorized user on this account and they need to remove it from my credit file. They refuse to. I do not have a contract with them or any type or agreement, I am just an authorized user and I actually never even had access to the account other than the authorized user title. I never made any transactions on this account, I never got a card for this account. I need this to be removed from my credit file. I AM NOT AN AUTHROIZED USER ON THIS ACCOUNT.
Product: Credit reporting, credit repair services, 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 # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # 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 writing instructions.

15 U.S.C 1681 c. ( 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 record of conviction 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.
Product: Vehicle loan or lease

I submitted a complaint and the only response I got was a notice informing me of a insurance payment being added to my monthly payments which was what I was trying to seek help with in the beginning since the vehicle in question is not running in the shop for repairs and im unable to get it out of repair due to issues getting the warranty company to pay as advertised
Product: Credit reporting or other personal consumer reports

The main course given, is that TransUnion failure to block or delete with evidence provided by the Federal Trade Commission Identity Theft Report. As a victim of fraud, TransUnion inability to clear all fraudulent accounts in nature has caused me monetary losses continuously. Therefore, only punitive and compensatory damages is needed to clear this delicate matter. Furthermore, XXXX XXXX XXXX and XXXX XXXX XXXX also are identity theft accounts listed in the ftc reporting. Thank you
Product: Mortgage

My father got a mortgage with Wells Fargo in XXXX and he passed away in XXXX. After his death my mother quit claimed the property to me and I made all of the mortgage payments until XX/XX/XXXX at which time I paid the mortgage off. I have sent Wells Fargo my Id, a copy of the death certificate, a copy of the will and a copy of the quit claim deed. I have talked to two people who have had to open my case twice and received two letters requesting the information that I have already sent. I know that they received it because the last person I spoke to told me my id was in there and I sent it all together. I would like my escrow money and a copy that says the mortgage is paid.