23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.
Product: Credit reporting or other personal consumer reports

I have two XXXX cards being reported on my credit report. The account numbers used by the credit bureau are not the same as the account numbers on my XXXX  cards or statements. Am in the process of financing a mortgage but can not make the accounts sync because of the way the credit bureau is reporting them. They are using different account numbers. The account numbers they are using are not the same as account numbers on statements
Product: Checking or savings account

I was banking with chime back in XX/XX/2022 they closed my account for whatever reason I wasnt notified about my account I informed the company that my account has been hacked TWICE! They told be me to send in the documents that was required which Ive done MULTIPLE TIMES! and I still dont have the money that is owed to me from when they closed my account the amount that is due is {$250.00} Ive contacted them through their 24/7 support chat no response this has been going since XX/XX/XXXX which is when my account closed it now XXXX and I still dont have my money
Product: Debt collection

There is a collection for {$3700.00} from XXXX XXXX  on my report that I never incurred or signed for, can't imagine what it is. I'm XXXX yrs old and this is very distressing. 

The collection agency is listed as : CAINE & WEINER COMPANY INC an internet search comes up with their site as : https : //www.caine-weiner.com/
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit score decreased by 38 points and the reason is not clear. I have over $ XXXX in credit with 100 % on-time payments. I have consistently kept my credit card balances within 2 % to 4 % per card and total credit across all cards.. I typically pay balances in full immediately or within 60 days. I had to replace the a/c in my home and used ~ {$7800.00} of one card that has a credit limit of over $ XXXX. My credit score immediately plunged and continued to decrease with each subsequent purchase. 

I worked very hard for nine years to increase my credit score from low 600s to 800s. I have earned my credit and should not be unduly penalized if I occasionally have to use my credit. My total balance owed across all cards is less than 10 %. I have significantly paid down or paid off installment loans while managing credit cards.

I can not understand the reason for the drastic changes in my credit score.
Product: Money transfer, virtual currency, or money service

I had bright money has taken money out of my XXXX  account and has attempted to take funds out when I do not know how they got my bank acct info or who they are.I found this site to report since I already tried to dispute with XXXX.I have zero clue who this organization is.I had to go to XXXX to find out somehow this happens to a lot of people, can we say scammers? 
I have NEVER authorized this organization access to my secondary account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.
Product: Credit card

I applied for a credit card and was denied. Synchrony indicated they denied my application due to items listed on my credit report. These items should not have been used to deny me credit. it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Synchrony has violated my federally protected consumer rights.

1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing mistakes, particularly late payments that don't align with my usual payment record.
Product: Credit card or prepaid card

I received a call from XXXX XXXX of XXXX XXXX XXXX from XXXX, FL. I fell for their claim of getting me at least {$9600.00} - XXXX for investing {$2300.00}. He said they would resell my 6 Bonus Weeks from XXXX XXXX. I only recevied couple of their so called dubious offers after 60 days of calling them 3-4 times. They just pick random resorts that don't have vacancy until the end of year. Now they are not returning the amount of {$2300.00} that I paid upfornt. The capital one credict card dispute center is not willing to help me even after I sent them all the documents that they requested. I had been working with them for the past 2 months but to no avail.

a ) The agreement says that they will be advertising the XXXX XXXX XXXX XXXX at XXXX, XXXX as per the agreement but they sent me request from fictitious renters for other resorts. Also, I received the offer after 60 days of calling them 3-4 times. Hence, I havent received the service that they promised in the contract.

b ) There are others who are victims of this scam. The comments ( XXXX XXXX XXXX XXXX XXXX ) from other victims of XXXX XXXX XXXXXXXX corroborate my conclusion that they scam people by claiming to give high return ( $ XXXX {$10000.00} ) on low investment ( {$2300.00} ). All victims were scammed during the same time frame ( XX/XX/2022 ) as me. Many others are in the process of disputing it with their credit card companies. 
c ) I could never contact XXXX XXXX after the first phone call in spite of multiple attempts. There is no signature from him on the XXXX XXXX agreement though his name appears there. I am sure that the telemarketers use phony names. One of the other victims also was scammed by XXXX XXXX. 
d ) The business address ( XXXX, XXXX XXXX XXXX, XXXX XXXX, FL ) on the agreement is different from that on the email ( XXXX XXXX XXXX XXXX, FL ) that I have been getting. Thus, pointing to a scam operation.

e ) The agreement stated that they would be advertising the XXXX XXXX XXXX XXXX through XXXX, XXXX, XXXXXXXX XXXX etc. However, I havent received any evidence of the XXXX resort being advertised anywhere except verbally on phone for convincing me to sign the agreement. This is another instance of no service being provided as per the agreement.
Product: Debt collection

Complaint Against : Rausch Stern XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but Rausch Stern never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and 1 payment of {$400.00} ) - I was unable to make payments during the height of COVID.

Rausch Stern moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, Rausch Stern reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, Rausch Stern garnished an additional {$860.00} from my wages, under the same case number for XXXX XXXX XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid Rausch Stern {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by Rausch Stern ). 

After speaking with XXXX XXXX XXXX Rausch Stern, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent been patiently waiting on a response in reference to an account ( XXXX XXXX ) on my credit report. I have asked several times for this account to be validated and I have pointed out the inaccurate information reported to my credit file. I have yet to receive a response about anything in reference to this account. My first letter was sent out via mail on XX/XX/2021 and the account is still reporting on my credit file.
Product: Debt collection

I have submitted multiple complaints against XXXX XXXX XXXX and on XX/XX/XXXX I submitted all the documents requested to do a investigation and it has been over XXXX and I have received no response back from Security Credit Services XXXX the outcome of the investigation. I need to know how long does a investigation take after providing the documents its been over XXXX months since uploading the requested documents and no response have been provided on the outcome and XXXX XXXX continues to show a debt under my name that is not mine. I am requesting a time line of when this investigation will be over I need an explanation on how long the investigation process takes and when it will be over all companies who have investigations have a time frame and you have provided no information after Ive complied to your request. This needs to be removed from my name immediately. 

Please note that my debt is not with XXXX it is with Security Credit Services. My attorney states that you would be the XXXX investigating the process we have nothing to due with Penfed and the debt YOU PURCHASED SO PLEASE PROVIDE YOUR RESPONSE SINCE YOU ARE THE CURRENT DEBT HOLDER BY LAW. 

We now have 6 months worth of evidence of how Security Services is illegally holding a debt in my name my attorney is leading through this process and each time you deviate by not addressing the issue after I have provided the steps requested and each lie will have a fine associated by courts. 

The previous response from Security Credit Services company responded Status CompanXXXX responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response We have submitted your information to XXXX  to do a thorough investigation of your fraud claim. Unfortunately, they have not come back with a solution as of yet. Therefore, your account is currently placed on hold until further notice. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed in XXXX certified letters stating that the address is wrong and could it please be removed I sent in several documents with correct address but yet it still remains I call in and they are XXXX tells me its staying on my report and I dont need to call back cause they are not changing it, like what how is that possible, please help, this wrong address is hindering me from getting my credit on the right path, this is really hurting me and my XXXX life I cant get the job I want the car I need or the house I want because of this wrong information injuring my credit
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 was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX credit bureaus shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, out of the blue, without any justifcations or explanations I receive an email from Coinbase stating that they have blocked my account for security purposes and that I can no longer trade nor withdraw funds from my account. 
I immediately try to contact them via chat, or phone, but both channels are a farce as they have NO agents in line. In both cases it is just a machine providing solutions to technical problems, with no possibility of escalating to a real person. 
I opened a ticket in their system and again, have received no response, in the space of 11 days. After several followups. 

It is clear to me that they have liquidity problems and are withholding funds from users, under the pretext of security purposes.
Product: Debt collection

I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I received an email saying that I was approved for a loan from {$1500.00} to {$5000.00}. So I replied to the email. The first person I talk to said his name was XXXX and he works for XXXX XXXXXXXX XXXX. He ask for my account # my routing # and my social security number. I gave it to him. He also said that a loan officer would contact me. Which a person did. The loan officer told me I was approve for {$2000.00} with an 10 % interest rate. Im thinking ok cool. So after that, I received an email with documents saying the amount I was approved for, the interest rate, the loan reference # and my name on these documents. It seemed legit to me. Until I search the net and found out they have been scamming for years. These are the two numbers I was provided XXXX XXXX. Please stop the criminals
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : Barclays Bank Delaware on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22
Product: Credit reporting or other personal consumer reports

Regarding my closed XXXX XXXX XXXX Account. The three bureaus are not following the spirit of the compliance procedures for 15 US Code Section 1681e, part ( b ) Accuracy of report " 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. '' Please see page 5 of the attached document. Two bureaus are reporting 30 days late for two different months. One bureau failed to even report any data.
Product: Debt collection

In reference to the complain (  XXXX  ) already submitted. The company, Perfection Collection, respond that I agree to pay  XXXX  $ monthly for a total amount of  XXXX   XXXX  That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to  XXXX   XXXX   XXXX  but I have not receive any answer. So for me complain is still open.   Attached is the letter that I sent and at this  letter I appreciate one answer,
Product: Debt collection

I received a letter from a collections agency that I owe almost XXXX to XXXX XXXXXXXX XXXX. Ive never heard of that bank and never taken any loans from it. If this bank has contacted an agency to collect a non-existing debt, then this lender engages in fraudulent practices and must be investigated. I could be just one out of hundreds of scammed people.
Product: Credit reporting or other personal consumer reports

TransUnion refuses to provide a credit freeze, security freeze on my account unless I pay {$24.00} for service
Product: Credit reporting or other personal consumer reports

ACCORDING TO ALERT I RECEIVED ON XX/XX/year> SOMEONE TRIED TO OBTAIN CREDIT FROM XXXX XXXX XXXX XXXX XXXX UNDER FRAUD/IDENTITY THEFT. MYSELF ALONG WITH A REP FROM XXXX SPOKE WITH XXXX XXXXXXXX AND NOTIFIED THEM OF THE FRAUDULENT INTENTION- I DID NOT APPLY FOR CREDIT WITH THE NAMED BANK NOR DID I CONSENT TO SOMEONE APPLYING FOR THE CREDIT. I AM NOT AWARE OF WHAT THE SCAMMER WAS APPLYING FOR BUT I CAN SAY IT WAS DONE SO WITHOUT MY KNOWLEDGE OR CONSENT. 

TODAY, I DID CALL EQUIFAX ( XXXX XXXX ) AND EXPLAINED MY CONCERN OF AN INQUIRY MADE ON MY REPORT AND REQUESTED FOR IT TO BE REMOVED DUE TO IT BEING DONE SO BY FRAUD. I WAS TOLD TO FILE THIS REPORT AND NOTIFY THE FTC OF THE TRANSACTION AND REQUEST YOUR ASSISTANCE IN HAVING IT REMOVED FROM MY CREDIT REPORT AS SOON AS IT MAY BE POSSIBLE.
Product: Checking or savings account

on XX/XX/XXXX I had a transaction go through on my chime card that was fraudulent for XXXX, by the time I caught the fraudulent transaction it was days later, so call chime customer service they tell me that they can refund my money back in a month but I am approved for a credit when I ask when I was going to get the credit the credit was promised to me XXXX wks out!! which is absurd because we all know as adults we have responsibilities and things we need to take care of and these people are claiming to be a bank they should be able to refund my money immediately then do their investigation, but no instead anytime I call them I would either get hung up on or repeatedly told the same thing, I called the corporate office in California only for the lady to tell me she couldn't tell me any information and hung up, these people are frauds this has caused an enormous amount of stress on me and my family XXXX put us behind financially
Product: Credit reporting, credit repair services, or other personal consumer reports

As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
Product: Checking or savings account

Hello I have been trying to reopen a checking account with Bank of America and XXXX XXXX 
Both the banks had closed my account, due to suspicious transactions and my account were banned by XXXX XXXX XXXX XXXX XXXX XXXX.I had discussed with XXXX XXXX XXXX and there are no pending remarks against me. The XXXX XXXX  XXXX then asked me to get a report from Cfpb that allows me to open accounts effectively lifting out the ban on me. Please help with this as I am unable to open accounts. Thank you.
Product: Credit reporting or other personal consumer reports

I have notified XXXX, Equifax, and XXXX about a case of identity theft. There is an account and collection account that is in my name that is not mine. I have filed a identity theft report with the FTC and sent it to all three bureaus, but they refuse to remove this fraudulent information.