23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Village Capital and Investment. The letter said that that I was eligible to refinance my loan. So I went on their website and completed the info they needed. I was contacted by phone from XXXX XXXX and spoke to him about offer. He said that his assistant would be sending me a application by email. I never received the application. I feel like they are a scam and that my house is in jeopardy. They dont respond to my emails.
Product: Debt collection

On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected. 

When I called XXXX  they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either. 

Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points
Product: Debt collection

An Debt Appeared on my XXXX Credit Report that I have no Knowledge of from PROFESSIONAL CREDIT MA for {$400.00} and I would like it removed. Have asked several times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HAPPY SATURDAY XXXX - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account XXXX Account Name : XXXX XXXX XXXX- Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : XXXX  XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request that the following accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently opened or otherwise compromised due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need help getting the dispute results for Equifax # XXXX. I have looked at them online through my phone. I don't have internet access at home and can't print them off at home. I went to the public library and attempted to access them there and got a message that Equifax needed more information to verify my identity. I called them in an attempt to rectify this matter and they said they had nothing to do with the website. Finally the Saturday of XXXX XXXX weekend, I called and spoke to a rep and requested they be mailed to me. I called the following Wednesday and the rep that I spoke with was able to verify the report was sent the previous day. I called and spoke to another rep and requested that the report be sent to me. I was told this could not be done because the results were available online. I told the rep my situation, but she didn't seem to care. I have waited the required 10 business days and the dispute results have not yet shown up.
Product: Credit reporting

The big XXXX Credit Agencies have no authorization from me to collect, store, and sell my financial information, nor evidence of written authorization of the same. This issue applies to me just as it applies to all people living within the United States. 

Credit information is no different from a personal work profile. The example is XXXX. But, at least LinkedIn participation is a matter of choice. There is a master agreement to participate with XXXX XXXX. But, there is no such agreement with Experian, XXXX, or XXXX. Credit reporting is a forced participation, and its existence and easy access allows for identity theft related crimes to occur. Worse, as an unwilling participant, I am forced to pay a fee to have that information locked.
Product: Prepaid card

'm still having an issue with other cards that were never activated. I've already filed a complaint with the www.bbb.gov claim id XXXX I purchased XXXX gift cards on XXXX, XXXX XXXX, from XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX each gift card was supposed to contain {$500.00}. I checked the balance on XX/XX/XXXX via the website and no balance is showing on any of my cards, the cashier assured me that each card loaded correctly, the cashier told me that they don't have any receipt paper and that no receipt was available. the cashier also had a problem scanning and loading the card, the cashier then went to the back to grab XXXX other cards and told me that the XXXX new cards are now active and ready for use. I was trying to pay my rent online with the XXXX gift cards that total {$4000.00}. I feel I was scammed by either the company vanillaa gift or incomm. the cards not even active after the cashier assured me. I need my cards loaded as of right now I am out of {$4000.00}. I live update New York and the location is in New Jersey about XXXX hours from me. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX at this point is tampering with the cards and the only thing I can think of is the cashier at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again my complaint is about Equifax! The continuously remove and replace information onto my credit report. I have filed several complaints to them and on here. I sent them all the information they requested showing I have NO SUFFIX at the end of my name. They sent me an updated credit report and viewing my online account with them showing it was removed. within a month the suffix " XXXX '' was placed back on my account. I had to place another call to them on XX/XX/2109 @ XXXX XXXX, Confirmation # XXXX to have them remove it once again ... the person I talked to could see all my documentation in my file that I complied with Equifax 's request and could not explain how it got back on my credit report. On or about XX/XX/2019 the suffix was once again removed, But for how long?? 

On XX/XX/2019 @ XXXX XXXX ( same call ) I also asked them to REMOVE a consumer statement " I '' had placed on my file for a dispute for 3 medical bills that I paid. Confirmation # XXXX On or about 3 days later the statement was removed, as of XX/XX/2019 I have viewed my credit report online through Equifax and see the statement is BACK on there again. What the XXXX is going on with this company??? 

I was a victim of identity theft have submitted to Equifax a copy of a local police report and investigation and list of inquiries on my credit report that I disputed and that was NOT initiated by me. They REFUSE to remove them and told ME to contact the creditor ... WHY? Equifax placed them there, they don't show on my other credit reports through XXXX  or XXXX. WHY do I have to do their leg work. To be honest, I'm to busy Policing Equifax to make sure they are not screwing my credit report up. I am believing that Equifax is taking payoffs from credit companies to place misinformation on unsuspecting peoples credit files in order to charge the consumer more on interest rates and keep credit scores low. My credit score is always lower on Equifax that the other two reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I applied for the U.S. Bank Altitude Connect credit card on XX/XX/22 through usbank.com and was approved same day for the product. The assigned credit line was {$500.00} which would not realistically allow me to take qualify for the associated acquisition offer of 50,000 bonus points after spending {$2000.00} in the first 120 days follow account opening. 

I called the instructed phone number on the application approval page XXXX during operating hours on XX/XX/22. The agent told me that I would need to call back later in the morning to talk with the underwriting department. I called XXXX back during the underwriting department operating hours and was transferred four times before being told by the underwriting agent that my application would normally warrant a higher credit line, but I probably have too many unused lines of credit open at other financial institutions. When I asked to close the account, she hung up on me.
Product: Checking or savings account

I had an existing account with US Bank and also XXXX accounts with XXXX XXXX XXXX in another state. I went to open XXXX more USBank savings accounts so I could transfer my childrens social security survivor benefit accounts to a bank in state, because we moved and did not have access to XXXX XXXX branch locations in our new state. I wrote myself a check from my XXXX XXXX Account to be deposited into my USBank account XX/XX/XXXX for the entire amount of my childrens accounts to bring them to a XXXX balance so I could close the accounts at XXXX XXXX. I mobile deposited the check and they at first gave me access to some of the funds, but then put a hold in the entire amount of the check. I was told they would have to hold it for XXXX business days to see if it would clear. I talked to several online bankers and tellers at USBank who said there was nothing they could do. The check cleared my FI account on XX/XX/XXXX. USBank still will not release my funds and online says to talk to branch and branch says they cant do anything because their branch XXXX is not in the building all week. There is no valid reason for them to not release my funds us bank received my money on the XXXX. Again this was the entire amount of that account which is causing me to not have access to our money to pay bills, eat or buy gas. All of my bills are due this week so I have to either try and pay them and hope they dont overdraft my account or incur late fees. If USBank had told me they put holds on check for XXXX business days I wouldnt have tried to transfer ALL of my money at once. This is financially catastrophic for me as I am we are a single income family and depend on the kids benefits to live. I dont understand why they wont release my funds when they were paid days ago.
Product: Checking or savings account

Complaint against USAA bank XX/XX/2019 I opened an account with USAA bank on XXXX XXXX 2019. 
Two weeks later I started to make a deposit into the account. As I was making the deposit they closed the account. Maybe because they wanted to use my money for free? 
I called them maybe a dozen to find out why they closed it. Finally, they answer that there was no reason so they opened it up again. 
After I deposited two electronic transfers in the amounts of {$2400.00} and {$1000.00}. they closed the account again. 
To use my money for free, again? 
After I had used {$1300.00} of it, they closed my account because they said they had a hold on the deposits. 
They did not tell me there was a hold on the deposits and they got mad at me because I used {$1300.00} of the deposits. 
They said they did not have the money yet. I do not know how they gave me money that was not in my account. 
I did not apply for any loans of ask for any money in any way. 
They said they would send a check for my money after it was released, in 7 to 10 days. After 7 days they released the hold, and then they put another hold on it for 30 to 60 days additional days. They will not give me an answer as to why, is it because they want to use more of my money for free? 
As far as I know there is no reason for any of this. 
I have never heard of any wire transfer taking up to two months to be released. I believe they are harassing me. 
This is a formal complaint against this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts listed on my credit report, and I have no clue how they got there. I routinely review my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical issue, but the incorrect accounts remained. Due to this problem, I request a thorough review of the documents I have submitted to ensure I won't have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

attempted to sign up for free score but was asked for a credit card which their commercial says they do not do.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under the 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C. 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is Closed but still reporting a monthly payment on my credit reports
Product: Checking or savings account

Sent money to XXXX, transferred said deposit to Huntington Bank checking acct. Huntington debited my acct. TWICE for the same amount and 1 week later finally put the deposit into my acct. They have yet to cancel the 2 debits from my acct. leaving me with no money to purchase my medications and have charged me for 2 overdraft fees. I have explained this to them four times to no avail. I have not had my medications for 5 days now and am going to go to the hospital. The two debits were NOT done by me. Sincerely, XXXX XXXX
Product: Credit card

Colony brands have been sending broken items not sending items for the last few months. They even shipped my shoes to Florida and shipped a lady from Floridas shoes to me. Me & the lady connected on XXXX. I will contact colony branch to return these items. This last time Colonie brands didnt wan na pay for a box to ship a chair back that was damaged. All of a sudden, my account is basically closed without my knowledge after colony brands gave me a credit increase. This company is now reporting to the credit bureau that my credit limit has decreased, which would decrease my credit score and this is false information. Call me branch stated that they can not please me as a customer because I wont accept their broken items or damaged items. I am OK with my account closing, but lying to the credit agency, saying that my credit line decreased because of something that I did wrong is lying, and it is against the consumer reporting act. I am OK with colony branch closing my account out, but you will not report to the credit agency negative on my behalf. XXXX my balance out on XXXXXXXX XXXX XXXX XXXX  and we can call it a day. You will not pass report to the credit agency negatively on my credit because youre products dont come to my house and when you do send the products, I get them broken or missing items. I will take this legal, it is a violation and I would not have it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX. XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX  XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX : ******** XXXX : ****** Transunion : XXXX
Product: Checking or savings account

Chime suspended my account back in XXXX while I was receiving unemployment from XXXX  my account has over {$900.00} in it and Ive did everything they have asked of me and sent in every document that they have requested from me but they will not release my account so I can get my funds and they will not close my account Ive been going through this with this company since last year and still have not received any help they tell me my documents are invalid when they are directly from the unemployment site I just want and need my money and they basically have stolen it from me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Account Number : XXXX : is {$220.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : is {$1900.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : {$4400.00} XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I closed my account several months ago due to an unfair credit line reduction but was continuing to make my monthly payments. I received a bill with a due date of XX/XX/2021 for balance XXXX. Sent in a check a week in advance for XXXX. They posted it in XXXX and will not remove late fees for their losing of my payment. My payment due XX/XX/XXXX posted just fine. My last contact was today 4/8 and was basically told that they don't care. I have paid for years, they drove away a paying customer and now want to rip me off. I will only pay what I fairly owe. I don't see how I make my due amount every month and they lose it and blame me. I will send in a payment 4/9 minus any late fee and write paid in full. I will not pay a dime more, I will file a complaint every day, and tell everyone in the world not to use Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my report that I have no knowledge of. This was a result of malpractice or an error.