23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I noticed a garnishment on my paycheck in the amount of {$500.00}. My employers payroll department said that a collection agency had placed a garnishment on me for a total amount of {$2900.00}. After work that same day I went to the agency to find out what this was about. After looking my name up they could not find any garnishments so they looked up my social security number and it turns out they had placed my SSN. After determining that I was being wrongfully garnished they gave me a release of garnish paper and said that they would refund the money they took from me and that they would contact my employer to stop the garnishment immediately. On XX/XX/2018 I checked my next paycheck and noticed that the garnishment was not removed and they had taken another {$370.00} from my paycheck. This makes a total amount wrongfully taken from of {$880.00} so I called my payroll department and they informed that they had not received anything at all from Professional Finance Company stating to release the garnishment. At that moment I asked if I could email them release of garnish letter that I received two weeks ago. After work I went to talk to PFC to see why they had not notified my employer to stop the garnish. The so called agent behind the counter named XXXX said that they had talked to my employer earlier today. I asked for an explanation why they had not notified my employer to stop the garnish and all that person said was he did not know. When I asked if there is someone who could actually answer my questions he said " no there's no one. '' Then I asked to talked to someone above him, he brought out a lady that was also no help at all. She tried telling they had sent the notice by mail. I asked for when it had been sent and she could not or would not give me an answer. At this point that lady noticed I was recording them and had that XXXX guy tell me I could not record them. Then I mentioned that it is my constitutional right to record anywhere in public. After I said that lady walked way and the guy kept saying they don't consent to being recorded then refused to talk to me and walked way as well. This XXXX guy is in my opinion useless and incompetent and should be fired.
Product: Mortgage

The lender makes every effort to not credit payment on the date that it is received. 
The lender charges high fees for making payments and intentionally delays posting payments to create additional late fees. 
The United States Postal Service confirms that the payment was received on XXXX XXXX but the payment is not posted until XXXX XXXX. The Lenders ' correspondence states that a late fee would only be charged after the XXXX. But a late fee is charged to the account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service And unfair practices, which violates The consumer Financial protection act. Specifically, Cash app failed To take timely and effective Measures to prevent an address fraud on their platform Leaving my account, vulnerable and unprotected. Furthermore, Theyre dispute resolution process was unfair and deceptive As they did not comply with error Resolution requirements Under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek that appropriate action be taken on their behalf And I seek The appropriate redress for these actions. I also believe it was very unfair that cash app Nor block Notified any of their users of this lawsuit, as they should have given everyone a chance to file for what is rightfully theirs because of their unfair actions and deception.
Product: Money transfer, virtual currency, or money service

Pnc wont let me connect my account so I can convert my bitcoin
Product: Checking or savings account

XX/XX/2023 I used an ATM at a XXXX my {$400.00} request wasnt dispersed from my Capital One 360 checking account but my online account showed immediately the posted withdrawal of {$400.00} from my account. I informed the store employee they said call XXXX which is the bank name on the ATM machine but they told me to call Capital One which I did my claim # XXXX initially I was told they would deposit my money while the 10 to 45 days of investigation is going on which makes no sense to me with the technology of today.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I used my Kohls XXXX XXXXXXXX to take advantage of a promo. I spent a total of {$32.00}. Unbeknownst to me, I was enrolled into paperless billing for my Kohls XXXX XXXX. I have never before been late on any payment for this card, or any other bill or card under my name. I did not become aware that a payment was late until my credit report pinged me that u had a XXXX  day late payment. I immediately called Kohls XXXX XXXX to address what happened and paid the entire balance of the card as well as all late fees. I asked the representative why I hadnt received a bill in the mail and she informed me I was signed up for paperless billing. I asked if there was anyway for the company to remove the derogatory marks on my credit in good will since this was due to an issue with billing, also noting Id never been late before and had paid the bill in full. She said a XXXX would reach out to me. A few weeks later a XXXX still had not contacted me. I called in and they said a decision had been mailed to me, which I never received. They were unable to provide an answer over the phone and simply said they will see if they can resend the letter. I ended up filing a dispute with the various credit bureaus. In the dispute it said they resolved the late payment on my credit, however, it is still there. I reached out and they said it could take up to XXXX  days to reflect. Its now been a year since I first reached out and my credit report still has a XXXX  day late payment marked in my payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My loan was with Ditech. I became unemployed and missed payments, they kept chatging me field rep fees. I argued about this, sold furniture from my house and borrowed from a friend to bring current. They charged more fees. Then did yearly assessment in XX/XX/XXXX and raised my house payment. Then sold my loan to XXXX who did another yearly escrow assessment and raised my house payment again. I just got a job making significantly less than before. Ditech didnt apply payments right and chrg fees. I cant get proof of this because they have blocked me from my online acess since loan sold. XXXX is just as bad, uneilling to help, told me if i dont pay new amount ill lose my house and not their problem i cant afford things. I never was late on house payment till XX/XX/2018. Now im getting charged more fees from this new company and it seems like they are wanting me to lose my house. I signed the petition against ditech on lawsuit, after i did is when my loan went to XXXX and they are worse. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX XXXX and Equifax please remove the inquiries immediately
Product: Debt collection

On XX/XX/XXXX a person named XXXX XXXX called from XXXX XXXX XXXX XXXX stating that I owed XXXX to TD BANK and that he was an attorney hired by the bank suing me from this amount owed XX/XX/XXXX. He said that I would be served papers from XXXX XXXX XXXX. The same company also contacted my family member that I do not live with stating the same, that they would be serving papers to her home if I did not contact the company right away. XXXX XXXX said that there was a pending lawsuit out against me but that I could settle for {$310.00}. He also told me that the amount was reported to my credit report which it is not and that they have tried to contact me back in XXXX also not true. I gave him my credit card number and he said he would be emailing me a contract to sign. I did receive the contract with the address XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I decided to XXXX the company XXXX XXXX XXXX and it gave me the name XXXX XXXX XXXX, a fraudulent company. I immediately called TD Bank, I spoke with XXXX, she stated that they do not use that company to collect debts and that I did not owe XXXX. I do however owe {$110.00} from an overdraft that happened XX/XX/XXXX. XXXX XXXX called me today XXXX because after I found out I canceled my card. I told him I knew they were fraudulent and that TD Bank said they do not use them for collection attempts. He told me that was incorrect. They called my aunt stating they would be serving her papers because she is the custodian of the account and would have to pay. I then called the company back and the receptionist simply told me that " The firm was declining my call and would not speak to me. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid Possible {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my XXXX report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait XXXX months!
Product: Credit reporting or other personal consumer reports

XXXX did a hard inquiry on my credit without my consent. Can you please remove this off my credit report immediately. Thank you. 
XX/XX/year> Application ID : XXXX Creditor : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit card

After closing my XXXX account on XXXX, my XXXX XXXX dropped sharply by XXXX points, which shouldnt affect it so significantly. I decided to close this account because I no longer find it useful. Maintaining it felt unnecessary and would only lead to additional costs, so I chose to prioritize financial efficiency. Dear XXXX finance team could you please dispute this action. 
Thank you!
Product: Student loan

When I was in college ( XXXX XXXX ) in 2007 my school told me to pulled private loans for me because they said I did not have enough money to finish. I should have had more then enough from the government. They took my loans to all these different banks and by the time they finished I owe money in transfer fees and the interest rate that they changed accrued on the loans. I NEED THE PRINCIPLE LOWERED. EVERY STUDENT IN DEBT NEEDS A LOWERED PRINCIPLE.
Product: Checking or savings account

I am filling this complain because HSBC disqualified me from earning a checking account bonus due to the fact that I have an existing credit card account with the bank. However, the terms and conditions included regarding opening the checking account and earning a {$200.00} bonus specifically mention that customers can not have a consumer deposit or investment account prior to opening the checking account for a specified period of time. It's disappointing that the person who handled my response " XXXX '' who has a senior position can't tell the difference between a deposit account and a lending account. The first one is an account where customers deposit money and the second one a product where customer have a specified line of credit. 

I don't accept HSBC 's disqualifying me from an offer that I am clearly eligible for since I never had a deposit ( checking, savings ) account or an investment account with the bank before applying for my existing checking account and a credit card account is definitely not a deposit account. 

The terms and conditions didn't disqualify people based on previously having " Any type of account ''. They specifically mentioned Deposit or Investment account which I never had before.

I urge HSBC to honor the terms and conditions stated in the original offer and credit my checking account with {$200.00} bonus.

If HSBC senior employees can't tell the difference between deposit products and lending products then the best course of action would be to move my funds to a different bank.
Product: Payday loan, title loan, or personal loan

When I first joined the United States XXXX I received a loan from OMNI FINANCIAL they set up auto payments thru allotments, I was having pay issue which I wasnt getting paid so of course if I cant paid neither can they but this was due to finance department not on my behalf, I recently started checking my credit report and noticed they are reporting charged off account of {$3600.00} with a PAST DUR BALANCE OF {$7300.00} now if not mistaken a account can not be REPORTED PAST FOR IF ITS CHARGED OFF VIOLATION OF FCRA and XXXX .. also noticed that they violated another enforcement by recovering payments via allotment The Bureau is authorized to implement and enforce Federal consumer financial laws, including the Consumer Financial Protection Act of 2010 ( CFPA ), for the purpose of ensuring that all consumers have access to markets for financial products or services and that those markets are fair, transparent, and competitive. Among other things, the CFPA prohibits unfair, deceptive, and abusive acts and practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. 12 U.S.C. 5531, 5536 ( a ) ( 1 ) ( B ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our credit was pulled without our authorization. He then pulled someone elses credit thinking it was ours and began to tell us EVERYTHING on their credit. He tried to not give me a copy of my credit report and he tried to lie to us and tell us that we had to use him as a lender. His actions could very well keep us from getting our home. THEN he talked poorly about another lender in town that we decided to use after all of this. Absolutely no class, extremely disrespectful, and completely incompetent. If this causes us to loose our home I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 different debt collectors reporting the Same debt account ( same credit card company/XXXX XXXX ) on my credit report. I never had 2 of the same credit cards from one company at the same time, but 2 different debt collectors are reporting the same thing on my credit report. I have disputed multiple times and everytime it cones back saying they have the correct information. If it is correct then how do they have the same account. You may call XXXX  XXXX bank and ask if they give one person 2 of the same credit card with same account numbers. I highly doubt it. This has been ongoing for over a year now and I have been turned down multiple times for personal lones/ business lones and credit cards. I am so stressed and this has caused so much hardship on my end. I really need some help with this or information on how to Sue both these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.
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 USC 1681 : Account name and number : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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 written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

XXXX XXXX has rules that unfairly punish first time homeowners. I went to have my MIP/PMI removed based on my loan to value being under 80 % now. My mortgage company stated I can not ever have my MIP removed due to my loan originated after XXXX XXXX 2013. Consumers who had a loan prior to that date can have it removed based on LTV of under 80 %. This rule also applies on all conventional loans, but because I purchased my home using a FHA loan on XXXX 2013 I am obligated to pay insurance of almost {$200.00} a month when it is not needed based on my current LTV. The only way for me to remove this unnecessarily payment is to refinance my home which would be costly based on fees. This rule hurts home owners who could n't put a higher down payment and unfairly targets those with lower income. This rule only benefits insurance companies and hurts those who can least afford it.
Product: Debt collection

Good afternoon, this month I saw that I had a debit on my Experian of XXXX dollars that was opened on XX/XX/2023, it is saying in the credit report that it is from XXXX, but I am not aware of this account, it damaged my score, I do not know where this account came from, because I have XXXX XXXX XXXX  and I have never had a XXXX, especially having opened this account in XX/XX/2023, I want them to prove that I opened this account on XX/XX/2023. Absurd what happened to me!! This company jefferson capital systems I don't know and I don't recognize this debt, I never made an account in XX/XX/2023, I want them to prove that I opened an account in XX/XX/2023.
Product: Credit card

Hard inquiry attempted for JMP Chase credit in my name. No credit or credit card issued at this time. I contacted Chase and notified them that I did not apply for new Credit with Chase. Below is the information regarding the hard inquiry not requested by myself. 

JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for XXXX  months. 

Source : XXXX XXXX : JPMCB CARD SERVICES Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2017 Equifax got hacked and gave away social security numbers, drivers licenses and addresses. resulting in identity theft