23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.
Product: Consumer Loan

I have an excellent FICO credit score of XXXX and made an initial down payment of almost half the total value of the vehicle. Regardless of my good credit and down payment the creditors at XXXX Honda of XXXX still denied me the lowest APR available.
Product: Debt collection

I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.JEFFERSON CAPITAL SYSTEM
Product: Debt collection

I was employeed by a company and had insurance that covered everything from XXXX. I can most certainly pay {$31.00} but I don't owe it. I was covered by my insurance in XX/XX/2021. 
If you can show me that it was truly not paid I will pay this in full immediately.
Product: Debt collection

I get calls every day and night non-stop. Make them stop.
Product: Credit card

I booked a trip on XX/XX/22 for the amount of {$4800.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they would refund your money as per their contract within 90 days. I requested a full refund. There letters and emails said my refund would come XX/XX/XXXX which it did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some 60 day rule without evaluating my dispute. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ID Notify credit monitoring account with Experian. In 2017, when XXXX was hacked, my Social Security Number was among those compromised. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence.

Now Experian 's ID Notify is unable or unwilling to do their job. In XXXX I found a negative and damaging report on my ID Notify site that was NOT my debt. I contacted them to correct the problem. After a few weeks they sent me a letter stating that the negative report stands. As I stated, this is not my debt. 

The claim is that I owe {$4300.00} to XXXX University, and the collection agency XXXX XXXX XXXX XXXX XXXX, PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX University or XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Experian? 

I tried to log in to the Experian online site to address this issue, but my ID Notify Username and Password do not work there. Because the site states I have an account there, I provided my Birthdate and my SSN to get an email reminder. Experian sent an email to XXXX. I have NEVER had a XXXX email. In addition to the bogus email, Experians Credit Report has two bogus residential and business addresses listed for me one in XXXX, and one in XXXX. Ive never been to XXXX, and only visited in XXXX. There is no way in to Experian to communicate these errors because the XXXX email I've never had is the only way to sign in. 

So Experian has the audacity to allow a negative report to attach to my credit and refuse to amend it because the collection agency is sure it is me although even Experian cant get my info right, and then presumes to judge my creditworthiness. How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

I have worked so hard to have good credit, and just when I need it most for a loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.
Product: Mortgage

Similar to the credit reporting agencies, upon asking questions, which agents either dont want to give answers to, or dont know the answer, suddenly calls get disconnected, and its like my file then has DO NOT ANSWER attached to my number. With XXXX card, ROCKET MORTGAGE, and many others, these XXXX seem the worst, where they just avoid or quickly call is disconnected and any attempts to further investigates ends up wasting an entire days with no thing completed. This raises the question, how many people are being seriously harmed, ok, and providing collateral, to receive nothing in return? To be mislead, misinformed, deceived, and neglected, this behavior is a violation of many issues here, and the administrate procedures here are leaving many in financial predicaments and seriously harming not only my livelihood, but also reputations, and EMOTIONAL DAMAGE.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$340.00} XXXX Opened : XX/XX/XXXX - XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Debt collection

Cavalry SPV I , LLC said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to
Product: Mortgage

At the end of XXXX I received my tax statement in the amount of XXXX I called the XXXX XXXX XXXX XXXX in South Carolina to inform them that their assessment was incorrect., the office corrected the issue and sent a corrected copy of XXXX which I forward to Freedom Mortgage on XX/XX/XXXX. According to my mortgage statement that was due XX/XX/XXXX I had an escrow of XXXX. I received a escrow check in the amount of XXXX which was returned voided back to Freedom Mortgage. For my XXXX statement was due for XX/XX/XXXX my escrow was XXXX I then called Freedom mortgage and asked the why did they send the incorrect amount to my county tax office when the corrected copy was sent on the XXXX of XXXX the answer that I got was " The company sent over a million dollars  out to pay customer escrow taxes on XX/XX/XXXX '' I responded that they had plenty of time to correct the error and I wanted it fix I have insurance due as well. I was told that they are working on it I called back and the issue was not fixed I spoke with a supervisor named XXXX that admitted that the company was in error and that my county has all the money and they are waiting for the county to return the unused portion which could take up to 90 days I called my tax office and I was told " The tax office only accepted the XXXX.and that XXXX  which is the finance institute that does the distributing of funds for the company has the excess monies. so that mean the company has their monies. I " m paying this company back a negative escrow on money that they have. So in all retrospect they have their money and is keeping my escrow account hostage for ransom. That is beyond criminal.
Product: Debt collection

A debt validation letter was sent the company. The company was given 14 days to respond as of XX/XX/2022 company has not responded. It is going on 30 days and the company is refusing to provide validation for this debt. This is the XXXX notice asking the company to validate. A complaint has been filed with XXXX for mail fraud and the Attorney general for fraud as well. They're in violation FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( S ) 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 or 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. 
These inaccuracies are hindering me from future lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO BANK, XXXX XXXX, XXXX XXXX XXXX XXXX IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX, WELLS FARGO BANK, XXXX XXXX XXXX XXXX IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

On Monday XX/XX/XXXX I logged onto my chime app on my phone to transfer funds to get gas and my account was logged off and it wanted me to log back in and when I did it wanted to send me a verification code to my phone number so I did. it said that it sent my code to an unknown number I was not aware of ever seeing before. So I had to change my phone number on my account back to my phone number to gain access back to my account ..followed all the prompts and verifications. When I finally got back into my account I noticed that my checking and savings was XXXX $ and all my money from my savings was transferred from my savings to my checking and then sent to an unknown cash app ... when I called chime to make a dispute about the fraudulent activity they said that on Sunday XX/XX/XXXX there was a phone call to them and someone saying they were me and chime gave them my password onto my account ... Wich they were not able to tell me what the phone number or area of the world the phone call was made from ... the caller did not even call from my phone number that was registered to my account... they said they would do an investigation and have an answer within 45 days ... XXXX XX/XX/XXXX they emailed me saying that there investigation led to there not being any error occuring and was not giving my money back... I asked for a copy of the investigation XX/XX/XXXX and have yet to get a copy emailed to me and it is now XX/XX/XXXX. I did also file a police report with the XXXX XXXX police department where I live a few days ago as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, This complaint is in reference to the tradeline on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX See attached page from my credit report. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

The Texas Secretary of State lists all legal debt collectors here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not listed ! 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt  Collection Act. They finally responded to CFPB complaint but stated I sent a cease/desist in XXXX, XXXX, that is not true! 

I have filed complaint/disputes with : With you, TransUnion, via direct dispute sent via XXXX 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is violating the FCRA. Please delete this tradeline or I will be forced to seek relief in a court of law.
Product: Consumer Loan

On XXXX XXXX I was contacted by Santander, at my place of work, where I have never given out the number, I was told I was on a recorded line and verified my information. I informed the gentleman that this was my work number and not a good contact number and to remove it. He said he would as soon as he told me what it was about. I let him go on, but was interrupted by my work. I told him it was not a good time, and that he needed to remove the number. On XXXX XXXX I was called at the same number by Santander I informed her this was not a good contact number and that I had previously told them they can not call me at that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report XXXX XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Mortgage

Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent and mortgage company was not communicated to me. Current mortgage company acknowledges this account is not escrowed from inception date. The was and active and paid policy in forced at time of closing.
Product: Credit card or prepaid card

This is an update to a complaint XXXX made on XX/XX/XXXX : I found another fraudulent charge on my XXXX bank statement for an additional {$1700.00} on XX/XX/XXXX that was also from the XXXX XXXX and I was charged for this item ( s ) that I did not purchase. This additional charge brings the total of fraudulent withdrawals to {$8200.00}. I have been held responsible for all the charges by Citibank and am trying desperately to recoup my losses They have refused to reimburse me saying it is my responsibility. I have made a police report and I am continuing to try to find a solution to this problem. I have updated a pdf that has all pertinent information about my case so far including the police report and the most recent incursion to my bank account. Citibank has made it very difficult to find any remedy to this and has played hardball with me continuously through this matter. I am only seeking to resolve this and not be held accountable for these charges.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Epirerian are reporting hard inquires that I did not ask to be done by creditors. My personal information was breached and they tried to open as many as 35 credit accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My Macy 's credit card has reported a late payment and has ruined my credit score by more than a 100 points, I have tried to get in contact with someone regarding this issue but they would not help me. I was not aware of charges on my card account, and I had made a return that should have completely covered it. In addition, when I was in the store and asked an employee to check my balance, they told me I did not have a balance thus I was not worried about it. Until I opened my credit score and noticed a huge score drop. This is unethical, in difficult times like this, I can not have my credit ruined over a very small transaction. I was unaware, and even after checking with an employee I was given incorrect information. I would like to dispute the late payment.
Product: Credit card

I paid XXXX my credit card balance of {$17.00} debited from my bank account on XX/XX/year>. Recently I received a second bill from them recharging the original {$17.00} again and a late charge of {$2.00}. My payment was in fact a XXXX  days late according to my bank debit, but the recharge of the original amount in my opinion is outrageous. They say their terms are noted in their agreement.. yes.. who reads the small type, but these terms in my opinion are abusive. 
I paid their outrageous bill to avoid further abuse, but ask that they reimburse me the duplicate charge of & XXXX. I agree to the late fee Of course I will not do business with XXXX again
Product: Debt collection

At XXXX XXXX cst I received a call from my mom who then asked me about debt via XXXX. I say what and she states a woman on the other line mentioned it to her. I was bothered that any possible debt was mentioned. 
I was brought in to talk on a three way call. Young lady did not verify me until later in the call. Asked her to not call my mom. 

Did not think to tell her not to tell her to not share information with third party. 

The business was LVNV Funding, LLC
Product: Debt collection

Continued attempts to collect debt not owed. Filed a complaint with the original creditor  XXXX   XXXX  and they stated in their response that this complaint does n't belong to them.
Product: Student loan

I requested proof that this loan was mine with a signature. I requested that they show this disputed on my credit report. They did not provide a copy of the loan with my signature nor did they mark disputed on my credit report.
Product: Credit card or prepaid card

KeyBank fraud department who is investigating a fraudulent transaction from a XXXX  is in cahoots with XXXX company to defraud my account. I reported information that a XXXX  lied and said I got a key cut for {$120.00} and also got a key prog ( programmed ) for {$47.00} in XXXX of 2023. I did get a key cut for my car but I did not get my key programmed because my key had no inside electronics in it to be programmed. The key I bought from XXXX has the evidence in record that also shows me paying for 2 more keys from XXXX that could be programmed. KeyBank fraud dept is unwilling to admit KeyBank f fraud dept looked at my receipt and assumed the deduction of {$160.00} was legitimate. But laws in Ohio and in the United States require that all evidence in records questioned should be considered with transparency and accountability to prove something occurred. I told KeyBank fraud dept in my words that someone at KeyBank fraud doesnt know Ohio consumers laws on bait and switch which is exactly what happened in my case. I stated the company ( XXXX  ) stated {$120.00} for key made and intentionally excluded cost of programming key and the XXXX  at my place then tells customer he wont charge for program of key but has customer swipe card and sign for key made but pad does not show the higher amount customer is being swindled out of. The XXXX actually told me he would not charge me for program but did anyway and on top of this the XXXX has no evidence in record he programmed my key but charged me for something he had no way of doing whike key fraud department sided with XXXX  just because me signed for something I didnt know I was being charged for, after I received receipt of {$160.00}, I trusted that XXXX charged me only {$120.00} so I folded my receipt, went in my apartment and then looked at receipt amount and looked to contest overcharge but when I came out to look for XXXX, he was gone. I immediately called KeyBank to dispute amount but keyfraud dept know an admission on their part could yield civil charges against key fraud dept which I will pursue within statutes of limitations should key fraud dept deny me compensation for violating my civil rights. I believe {$2000.00} is reasonable amount of small claims court settlement which Im asking in this complaint to avoid court.
Product: Credit card or prepaid card

I have an account with Credit Karma, who after logging into my account, showed me the credit cards that I would be approved for, based upon my credit score. When I applied for the cards, I was declined, and the hard inquiry hit lowered my credit score. 

This happened several times, over a long period of time.
Product: Consumer Loan

Toyota Financial needs to update their dialer before contacting customers - I was inadvertently late on a car payment due to being out of town - I immediately paid upon return and still getting calls after making an online payment - I even rechecked the website to ensure it was processed, and it 's showing up Paid and Approved as of yesterday. I just registered my number on the DONOTCALL.gov website to stop the harassing calls - this is upsetting and unnecessary.
Product: Mortgage

Bank of America violated ECOA by denying my HELOC modification loan in foreclosure, due to starting to receive Social Security XXXX income in XX/XX/2023.