23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Friday XX/XX/2019 Central Portfolio Control , Inc. Called my number it went to voicemail they left no message. The weekend before I received a letter of the debt that I owe but at this time I have no job to be able to comply to pay the debt that is owed. Monday XX/XX/2019 Central Portfolio Control called my house again all in 1 hour they repeated to call my house. 4 times they called my home this all happened at XXXX o'clock and the third time I pressed one to speak to someone and they hanged up again. XXXX o'clock they attempted to call me again and they hanged up again. XXXX o'clock they called again and they repeatedly hung up on me again. Now I rather to receive mail from them and to not call my home again because this is nonsense and unprofessional way to get a consumer to pay their debt. 
No more phone calls just contact me by mail.
Product: Checking or savings account

XX/XX/XXXX I have tried to wire Earnest Money for the upcoming house purchase from my Marcus by Goldman Sachs Savings Account, but it did not go through. XX/XX/XXXX Marcus bank representatives have tried to reach my cell phone and left me a voicemail, so I have called them at XXXX ( XXXX ) XXXX and learned that my account was on hold. In order to remove the hold, we would need to verify my ownership of XXXX linked external accounts. It was not possible, as XXXX XXXX  ( they kept the bank in XXXX XXXX XXXX  ) has now been closed. Marcus bank have said that their team will review and remove the hold soon. XX/XX/XXXX I have called them again to learn that the account is still on hold. They have mentioned that, if they are unable to get in touch with XXXX XXXX, it will take them at least 7-10 working days after send the bank statement to their office over the mail. I have a closing date on the house XX/XX/year>. The deal might go down just because I made a mistake trusting Marcus bank with my down payment money. I have tried calling them today, but they have put me on hold for 30+ minutes. 

ID Verification process in Marcus bank is also very odd. They always say that they are unable to verify the caller using the phone number I called from, and they ask if there is another cell phone I have access to? I do not have 2 phones. After that, your luck depends on the Marcus bank phone operator - whether they can ask the questions about your related past addresses/cities/cars and verify your ID, or whether they put you on hold every 5 minutes. After that, their operators have been twice disconnected during 3 way calls with representatives of one of the linked external banks. I am also attaching screenshots of call logs. All together I have spent over 2.5 hours trying to remove the account hold. 

Please kindly help me to expedite the removal of the account hold. Please let me know what can be done from my side to help.
Product: Debt collection

On XX/XX/year> I looked at my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/year> asking them to investigate this account XXXX XXXX balance : {$750.00} Date opened : XXXX XXXX. They sent me their investigation and said that this account was verified and accurate this is the report number of the letter I received from them # XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re investigate and violated my right. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of ID theft and XXXX  and Transunion will not let me look at my credit online
Product: Student loan

I logged into my Mohela account and set up auto pay on XX/XX/XXXX. I received an email from mohela confirming this action. The payment was taken out of my account on XX/XX/XXXX. I confirmed this with my bank XXXX. By Wednesday XX/XX/XXXX. I began ( and continue to receive ) emails stating that I have not paid and am past due. The amount due was {$270.00} and I paid the full amount. I called Mohela and waited and hour to talk to someone. When I finally got through the representative could only confirm that the email came through but she can not locate the payment. She put me on hold for another 15 minutes and said she is escalating the matter to her supervisor and was transferring me. She did so and after being on hold another 52 minutes, I had to hang up. I tried submitting my issue through their online portal but the letter was obviously auto generated because all it did was confirm that I called and stated something to the effect of we are assuming the matter had been resolved. If anyone actually read the complaint they would see that the matter has not been resolved. Despite receiving the confirmation email my account does not show that I have set up automatic payment nor does it list the payment of {$270.00}. The payment did come out of my bank account and I find it hard to believe they lost it. It seems like they are stalling and I feel like they are probably planning on selling my account soon and have excessive wait times as part of the rouse to buy themselves time because they realize most people dont have time to wait hours on the phone. I have also emailed them my phone number and asked for a response by the end of business day yesterday but have yet to hear from them.
Product: Debt collection

I sent a written dispute letter to the collection agency and never received a verification of debt. I heard nothing else until I saw the collection on my credit report.
Product: Debt collection

Someone had opened an account in my name XXXX XXXX XXXX midland credit management. I only have XXXX account with them which is paid off. Ive been going on a battle to get this removed because its not mine and they convinced its mine I never open this I want it removed because it effected my score
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account, in collections, that was paid in full, but it is still showing as open on my Equifax report. I contacted the collection agency to verify and they told me it was a reporting matter on Equifax. I contacted Equifax to resolve the matter but I have not heard back from them as of yet.
Product: Credit card or prepaid card

Copy of letter sent to company. The first letter I cancelled account. 


Dear American Express Agents : Acct ID : ... ... ... ... ... ... XXXX XXXX : Acct # ... ... .. 
I recently received correspondence from your company. It was very stressing and frustrating to receive such a letter dated XX/XX/19. 
I am afraid there is some confusion on your side. I would urge you to have a qualified individual review my case. 

For you information, I cancelled this credit card months ago since I had no need for it anymore, am using other accounts more frequently and to save an annual fee ( continue to charge me $ XXXXlate fees ) .. 

In my last use of the AE card, I received a credit from the XXXX merchant for {$44.00}. Part of it paid an automatic payment that wasnt correct. But its okay, I received credit from with the XXXX XXXX  merchant. 

Although, the credit did pay for that automatic payment to XXXX XXXX 
That would leave a credit to me for {$21.00} on the AE account. This means you owe me a refund of same. Instead you have chosen the opposite and decided to keep the funds. I consider that theft. 

I had received a letter of cancellation from you. Why would you continue charging me unjustifiable? Why do you want to damage my reputation? 
Dont feel rejected because I will not be doing profitable business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Regions Bank that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter, using the address located on XXXX XXXX ( See Attached ) informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). That letter was return to the sender as being an incorrect address. ( See Attached ) They are reporting an incorrect address on XXXX XXXXXXXX which is making it more difficult for me to communicate with them. I am asking you to look into this, to see why Regions Bank is reporting this incorrect mailing address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number:XXXX  Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has sold my personal information to several companies without an written authorization from me. Reporting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TransUnion has stolen my identity under Identity Theft and Assumption Deterrence Act of 1998 - Amends the Federal criminal code to prohibit identity fraud. Imposes penalties upon anyone who, in interstate or foreign commerce or through the use of a communication facility, knowingly, with intent to defraud, and in order to receive payment or any thing the aggregate value of which is at least {$1000.00} : ( 1 ) receives, acquires, obtains, purchases, sells, transfers, traffics in, steals, possesses, or uses any personal identifier, identification device, personal information or data, or other document or means of identification of any other entity or person; ( XXXX ) assumes, adopts, takes, acquires, or uses the identity of any other entity or person; or ( XXXX ) attempts, solicits another person, or conspires with another person to commit such offense. TransUnion has violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/ 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card or prepaid card

Four fraudulent transactions totaling XXXX posted to my account in XXXX. I was not alerted to three, and they cleared right away. I received a text alert for the fourth and discovered the others ( for XXXX, XXXX and XXXX, all to the same company ) when I opened my online account. I reported all four immediately. Within the next few days Barclays reversed the charges twice. When I tried to pay my XXXX legitimate charges of XXXX, I could not because the card had been stopped, and the erroneous credit wiped out the legitimate purchases. I tried to pay what I knew I owed online and was repeatedly denied. Over the next few weeks I made dozens of phone calls, some of which were dropped by the representative, others that made me wait over an hour for a representative to pick up, to try to pay my bill and get the duplicate credit removed. Barclays solution was to offer me a check refund of the remaining credit which I agreed to and put in escrow. Meanwhile I could not pay my {$120.00} XXXX bill as well. I was unable to pay anything until the XXXX bill, when I paid the few charges I made after receiving my new card. In XXXX the fraudulent charges reappeared. Although no representatives have been able to explain why themselves, after several more calls I figured out that Barclays is trying to claw back the legitimate purchases that were wiped out by their erroneous credit and the amount of the refund check. I asked for an accurate bill reflecting this so that I would not be paying the fraudulent charges. Today I received a letter referencing my " credit report dispute '' and that Barclays is amending their report to credit agencies. I have no idea what is in my credit report and never disputed it. I just want an accurate bill and I do not want to pay fraudulent charges that Barclays already acknowledged I do not owe. Today I mailed Barclays three separate checks, for the two months activity I legitimately owe, and for the escrow amount, which they should receive well before the XXXX due date. I always pay my bills in full. I have closed the account. I fear how Barclays handles fraud. I was not timely alerted to significant fraud ; after my reporting Barclays wrongly credited me disabling my ability to pay my bill ; apparently Barclays then made a negative report to credit agencies ; and to date Barclays still does not acknowledge the mistakes they made and what I truly owe.
Product: Checking or savings account

For my business account Was charged a XXXX XXXX monthly fee Account had {$3000.00} in the account with a {$2000.00} min for not incur any fees Call Reference XXXX requested that a formal complaint be filed AND this be escalated and was refused by agent.
Product: Mortgage

I 've been seeking a mod on my mortgage since hardship caused me to fall behind in 2009. That was with XXXX. It was sent to Chase, though XXXX XXXX controls the loan. Chase has articially extended this process through forcing me to apply over 6 times. In the time passing Chase has sent me a bogus foreclosure notices, denied me due process, provided bogus numbers concerning my income that do n't mesh with those provided by XXXX XXXX, presented me with a modification that was more predatory than the original. There 's more ...
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ Installment loans, and Credit Cards ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and [ XXXX XXXX XXXX XXXX XXXX  with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I did not try to open an account with jpmcb bank and it's fraud and would like it removed for my credit transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has once again failed to comply with federal laws and demonstrated bad faith in the handling of my auto loan. For several years the credit union fraudulently diverted payments to other accounts owned by me therefore the auto loan account became extremely delinquent. The original balance of the loan taken out in XXXX was {$5500.00}. NFCU charged off my account for {$6000.00}. This account and one other in which a creditor failed to work with on a revised payment plan lead to me filing a Chapter XXXX Bankruptcy. After filing on XX/XX/XXXX, even towards the end of XX/XX/XXXX NFCU failed to update the status of this account to all credit bureaus as 'Included in Bankruptcy ' with a a XXXX   balance as other creditors. They remained out of compliance as to the reporting of this account for the remainder of XXXX and even though I have been approved through the bankruptcy court for a {$1800.00} Reaffirmation Agreement ( balance ) on this account, NFCU still has failed to delete the {$6000.00} account identifying it as a Charge Off. I contacted the credit union early of and was told by a representative they have 'No Way ' of contacting any of the credit reporting representative for organization. After asking if this 'secret mission department ' was located on a distance island with not email or phone capability, I was only given the same response. I was also given the same response today ( XX/XX/XXXX ) when speaking to another representative. 
I also advised I would include NFCU as one of the creditor violators in an adversary proceeding as they failed to comply since XX/XX/XXXX after I filed the bankruptcy petition in XXXX of XXXX. Now that the reaffirmation has been approved and the new loan payment being set forXX/XX/, the correct credit report entry should be {$1800.00} Reaffirmation Auto Loan and all other entries deleted primarily due to NFCU 's fraudulent inflated balance of {$6000.00} prior to my bankruptcy petition. A previous complaint was entered in reference to the falsified inflated balance and diverting payments made to this auto loan.
Product: Mortgage

I applied for a refinance with Rocket Mortgage in early XX/XX/2020. I was shocked when they asked for the username and password for my bank account. I have been the victim of ID theft, as a result, I hold my private information secret and do not reveal easily. My credit info is frozen at all 3 bureaus. I reluctantly provided it and then immediately changed both to a complicated username and password. Then, I was given a loan estimate that made no sense. Not only did the math not add up but the closing costs were outrageous. I pointed this out to my broker who stated he was seeing something different on his end. He saw {$6000.00} something where I saw {$11000.00} something. I am being vague here. He told me he would send me a new estimate with the corrected numbers. The second estimate was accurate and attractive. In the meantime, this company continued to request more documents and after I had been told there would be no appraisal, all of a sudden there was to be an appraisal after all. Then a 3rd loan estimate that was more expensive than the 2nd. I asked my broker why. He reassured me he would see what he could do and I would get another estimate. I did and the 4th was even more expensive. The loan amount was higher than the previous 3! All this while, there were multiple multiple phone calls, e-mails, copying of documents and uploading and sending. Being placed on hold. This has dragged on for months. This is harder than the original home loan I applied for. Are they trying to outwait me? They are playing silly fun and games and I don't like it. They are wasting my precious time. I am XXXX. I have had several procedures done this year and I don't have this kind of time and energy. At times I have to make copies of documents at the same time I am preparing or recovering from XX/XX/XXXX and procedures. I am exhausted.