23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the original supposed debtor XXXX and their systems were supposedly down. I then tried to call the XXXX XXXX which is supposed to be the debt collection agency. The man who answered the phone kept saying " hello can you hear me now? '' I told him I could hear him fine and asked if he could hear me and he replied yes he then asked again if I could hear him now to which i just responded that I was calling about a debt. He asked for my name and I gave it. His response was " You have a very common name and I will need your social security number to look up the collection '' I told him I would only give the last 4 and if they have a debt associated with me as they claim it would bring up the account he said " Your name is too common and that even with the last 4 of my ssn he would not be able to find it without the whole number '' I told him they are trying to collect a fraudulent debt. I told him I would not give my entire Ssn to him and ended the phone call. 
I did have XXXX XXXX in the past but I had it for 4 years when I discontinued my service I A ) was no longer under contract as the contract I signed was only for 2 years B ) When terminating my services I paid my final bill and C ) I returned all equipment XXXX sent me back to them. I have dealt with debts before and I know his answers to be lies. I believe this is one of those yes scams just trying to steal information and identities posing as a collection agency. Oddly enough this supposed debt is only appearing on my XXXX  Credit Report ( this debt was supposedly from 2012. ) after their breach I am wondering if all this is a result of my stolen information
Product: Debt collection

I had an issues with XXXX XXXX, which was owed by XXXX. They billed took money out of my account for a phone I returned and would not give it back until I sent the phone back but I had prove I did from XXXX  XXXX. I ended up reaching out to the president of XXXX and she had a escalations rep contact me. He as able to verify that the phone was received back and it was at the warehouse. Due to their negligence, they allowed me to make a clean break and unlock the phones to take them with me due to their major mistake. XXXX keeps trying to collect on it and it is not owed. One debt collector let it go with the proof I had but Frontline Asset Strategies is still trying despite the proof I provided. It is not fair and if XXXX said I was able to make a clean break in 2019, why am I still being harassed.
Product: Mortgage

I have been going back and forth with my Mortgage company, which is Wells Fargo Home Mortgage for about nine months. I have asked them to drop my ESCROW account. I am paying for my homeowners insurance and taxes out of my private checking account. 
At XXXX they said they could not drop it because it was a veteran loan, I contacted the veterans administration and received proof from them that I no longer need ed to have a ESCROW account. I gave this proof to Wells Fargo Home Mortgage, and they changed their mind and said they would not drop it because they did not want to. I gave them proof of my payment to my homeowners insurance and taxes, which I pay for yearly. They still refused, meanwhile the ESCROW account keeps growing because they have nothing to pay. I have contacted them many times. Can you help. I will gladly give you all the information you need. 
Thank you. 
XXXX XXXX
Product: Mortgage

I've notified Citizens multiple times that even though I update the address online, my apartment number is not showing up on the correspondence from Citizens. Because of the incomplete address, I'm not receiving all correspondence from Citizens. For example, I did not receive a check from my escrow last year. I have only received it after Citizens sent me the check via XXXX and then even though it was Citizens fault, they've posted {$20.00} return fee to my account that I would like to get refunded. 

I've decided to pay {$20.00} via check, because this was the only option. You actually can't pay just the {$20.00} fee on Citizens website. The {$20.00} was processed on XX/XX/XXXX, XXXX  and {$20.00} withdrawn from my account. However, Citizens has just sent me a mail ( see attached ) that now I owe {$40.00} because they were not able to process {$20.00} that they have actually processed. Can you please help me fix? It's really frustrating that I have to continuously submit these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion and they sent back my information ( see attached ) with XXXX XXXX XXXX XXXX XXXX Report at the top and my information XXXX XXXX. 

I contacted a XXXX through the Chat and she indicates XXXX 's name is not on the report, which it clearly is, and my info on the dispute and she seems to think that ok, as if we can go on the same report. XXXX XXXX XXXX and XXXX XXXX XXXX are two different people and XXXX should be fired as she really doesn't get that this is illegal mixing us up. 
They say its because we use the same email, but really? Many people do!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to Conn Appliance , Inc. On XX/XX/XXXX I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX which is the address listed on my credit report. This letter was returned to me unopened, as was the previous two that I sent over a year and a half time span. This time I held on to the returned letter. A copy of this letter is attached. I have also uploaded the contents of the letter with the information in which I was requesting from Conn Appliance , Inc. Here 's a little back story. On XX/XX/XXXX I was served by XXXX XXXX XXXX, XXXX. which is a debt collecting company filed with the plaintiff being Conn Appliance , Inc. I retained an attorney for my case number XXXX. Conn Appliance , Inc retained XXXX XXXX. This debt claim was canceled on XX/XX/XXXX. The balance due as of XX/XX/XXXX was {$0.00}. I have been trying to contact Conn Appliance , Inc so that I could get this removed from my credit report with all the credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported to XXXX that account as on-time ( copies attached ). On XX/XX/XXXX Conn Appliance reported to XXXX that account not paid since XXXX ( copies attached ). I did also noticed that the address listed on my credit report is the exact address that I have attempted to mail three previous letters to, and they all were returned unopened. This matter has caused my credit to plummet tremendously. This matter is now causing me a great deal of stress and uncertainty. I have to move in less than 30 days, because the home owner is moving back into the home due to returning to area on XXXX XXXX. My current credit score will not qualify me for a rental or to purchase a home which is going to leave me and my family homeless. I really need this issue addressed and rectified as soon as possible. Thank you in advance for your help and know that it is greatly appreciated.
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 XXXX XXXX XXXX Account XXXX XXXX XXXX : Account XXXX XXXX XXXXXXXX XXXX, XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXX account XXXX has violated my rights And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Dear Navy Federal Credit Union Team, I am writing to request the immediate unrestriction of my account, as I believe there has been a misunderstanding regarding my account status. 

On the XXXX, I requested a new credit card and subsequently applied for and was approved for another credit card due to my excellent credit history, which I have diligently worked to build over the years. I have been a loyal member of Navy Federal and value the relationship I have with your institution. I am unsure why my account has been locked, but I assure you that there has been no fraudulent activity associated with my account.

I have attached all supporting documents..

Attaching my most recent paycheck stub to validate my employment as well as my income for the last 2 years. My W2 is provided as well as my offer letters to validate my finances and employment. My application was correctly submitted and I did not intent to put active military on it which your representative accused me of over the phone stating that is why my account is locked. That was a slight mistake on the drop down menu which should have been other like my other application. My application was completed the same as the other one, it looks like the drop down menu was just difference between the two. 

I did not put active Military to falsify an application which a phone rep said I am trying to follow a social media trend which is incorrect! My XXXX XXXX has nothing to do with a military status. How can being active or not determine my financial status on whether I am approved or not? 

I simply applied to BOTH of my current bank accounts for a high limit credit card to build my credit up MORE. The funny thing is that I literally applied to my XXXX XXXXXXXX account the exact same day and was APPROVED for a {$5000.00} credit limit. XXXX XXXX has NOTHING to do with the military so how was I approved for them yet now I am being denied my actual approval through XXXX XXXX for one difference on the app ( which again was not intended ).

Please reinstate my account, credit cards and also please be advised that per the equal credit act, I am allowed this credit. I dont want this to feel as I am being considered discrimination because of one difference between my applications.

Please consider my application and as correctly submitted for the card I was already approved for. 

Thank so much.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 USC 1602 (XX/XX/XXXX), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 usc 1692G ( XXXX ) CXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. incase you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

On XX/XX/XXXX Discover states they did a soft pull of my credit and it was determined that my credit was lowered by this pull. Discover brought my card down to maximum utilization without the option to pay off before it destroys my credit score. I have never been late on payments with them and never maximize my credit limit. They states because I had multiple inquiries to purchase a vehicle, which would have been year ago in XXXX. They are hurting consumers during a pandemic. There response is that they are doing it to everyone.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consist of DEPT OF ED/XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX  on XX/XX/XXXX under the account number XXXX, XXXX / XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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: Money transfer, virtual currency, or money service

I used prosper investing app from XXXX XXXX I deposited {$55.00} into my Prosper account, but the funds are not showing as available cash to use or withdraw. Despite several attempts to resolve this by emailing Prosper customer support, I have received no response or assistance. This has resulted in frustration and a lack of access to the funds I deposited. 

What Ive Tried XXXX XXXX : Ive sent multiple emails to XXXX customer support with no response. 
Ive checked my account for any restrictions, but the funds remain inaccessible. 

Desired Resolution : I would like Prosper to either make the {$55.00} available for withdrawal or provide a clear explanation of why the funds are being withheld. 
A prompt response would be appreciated to resolve this issue.
Product: Payday loan, title loan, or personal loan

I secured a {$1900.00} loan with XXXX XXXX  on or about XX/XX/2020, at the start of the pandemic. I was not able to pay the loan back as scheduled and when it was reported to the credit bureau, I noticed the APR for the loan was 159.57 %. Finance charges that would have accrued would have totaled {$1300.00}, making the total repayment of the {$1900.00} loan {$3200.00}. I did not realize the APR was so high, and disputed this with the XXXX credit reporting agency. XXXX then charged off the account and Midland Credit Management bought the loan. I was continually harassed and threatened with a lawsuit from this creditor, and made payment arrangements. I diligently paid on the agreed amount twice a month, with the exception of a month when I couldnt financially commit, and agreed to pay a lesser amount for that month. I requested on two separate occasions to settle for a lesser amount and Midland Credit would only reduce the amount by XXXX %, and no more. I settled for a {$100.00} reduction on a {$1400.00} + loan, yet my statements have not reflected the reduced amount. I have offered to pay 60 % of the loan all at once, but they would not agree to that. Ultimately, I would like this creditor to dismiss this account, as the charges accrued were from a loan charging an illegal APR rate of 159.57 %.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I received emails from Bank of America stating that an account was opening in my name. This was not something I had done.
Product: Credit card

I GOT A BILL FOR XXXX OF {$5700.00}. ON XXXX XXXX PD {$5700.00}. BANK OF AMERICA CHARGED ME INTERST OF {$140.00} ON THE SO CALL REMAINDING BALANCE. BANK OF AMERICA SENT ME A BILL XXXX SAYING I OWE {$230.00} WHICH INCLUD AN OTHER INTERST CHARGE. I FEEL THESE INTERST CHARGING ARE A SCAM AND THEY SHOULD BE COUNCELED ON HOW THEY ARE CHARGING PEOPLE. IT IS UNFARE AND A RIP OFF. 

MS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY CREDIT CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX  Negative Account Info Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Account Info Account XXXXXXXX XXXX  XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameSBNASELFLNDR Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status XXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX  XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 a transaction for {$11000.00} to XXXX XXXX XXXX was debited to my Bank of America Business Credit Card. The transaction was made in XXXX and I live in Nevada and have not been in XXXX for many years. I immediately called the fraud department of Bank of America and they opened an investigation. On XX/XX/2020 the transaction was credited to my account as fraud. On XX/XX/2020 it was again debited. Upon inquiry to Bank of America I was informed that on XX/XX/XXXX by some mechanism either telephone or internet a card was requested to be sent to an address in XXXX and since the card was present for the transaction that they decided it was not fraud and I am responsible for the charge. They can not tell me how the request to have a card sent to XXXX was made. There sole basis for determining that this wasn't fraud is that the card was present.
Product: Credit reporting or other personal consumer reports

I filed a previous complaint with the CFPB and the company responded they are reporting accurately and on the XXXX of each month. Its the XXXX of the month and the credit report is still reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly contacted Transunion and the creditors to remove the 90 inquires from my credit report they where done without permission through a car dealership, I even told the bank I didnt give them permission to run my credit. I just get sent in circles and nothing has been done at all.one sends me back to the other ones
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self -XXXX  - no mine, never used , never applied for .
Product: Credit reporting, credit repair services, or other personal consumer reports

LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX ) ( GXXXX XXXX XXXX ) XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX