23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The original contract that was signed XX/XX/XXXXbut dated XX/XX/XXXX, was told to me that it was an Offer by the bank, it was two part of the contract The mortgage and the lot rent, the lot rent was never signed because I didnt agreed with the Lot rent nor know about the amount {$530.00}. At this point Im still being treated like a renter and told. I was told to paid my closing fee XX/XX/XXXX. I was coerced into signing an offer contract. I was told by two parties that if I didnt bring money on XX/XX/XXXXand XX/XX/XXXX that I was going to be evicted and not qualify to own my home and they needed my rent money if I wasnt going to proceed with the purchase. It was lack of commutation on all parties along with improper documents being receive and given between each other. There was a mistake in entering into the contract and the contract was based on misrepresentation of facts. I was misled into believing I close on the home on several different occasions. I never receive any paperwork until XX/XX/XXXX. I ask on numerous occasions for my paper work. Was told they were going to be mailed to me ; which never was. XXXX XXXX as the new mortgagee also reported to my Credit Report XX/XX/XXXXof this new installment account that was signed XX/XX/XXXX but dated XX/XX/XXXX but didnt take over the loan until XX/XX/XXXX. I dont know when I close but took a final payment of {$750.00} on XX/XX/XXXX, was told it was my closing fee. Therefore this account was reported illegally to the Credit Beaus on my behalf. I was showed on numerous occasions of the company showing mismanagement of funds. I paid out {$4200.00} all the way up toXX/XX/XXXX, and still dont fully understand where my money went towards. I am owed {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are in violation of my rights I want this account deleted I have court documents proving this was dismissed in court of law it should have never been reported they did this without my consent witch is fraudulent on they behalf 1000 a violation it came off my other 2 reports but some how comes back again thats not accurate information on my credit so I want it deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

After making a payment on XXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.
Product: Student loan

I recently obtained a copy of my credit report and seen that the company XXXX XXXX is on my report and they keep changing my balance to make it look as if I have been making payments to them, and the truth is I have not because I was unaware that they were even on my report. So I have written the company 2 times and have not received a response from them with documentation about the information that they are reporting on my credit report. I have asked them to send me something about the information that they are reporting and something with my signature. The first letter that I sent our was on XXXX and I waited 30 days and did not receive any documentation from this company nor did they update my credit report as disbuted. So I sent them another letter on XXXX, and today is XXXX and I have still not received any information from this company, nor have they marked my credit report. However they have posted as if I have made a XXXX payment for the months of XXXX, XXXX and XXXX of XXXX, which in fact I have not made any payment to them because I am unaware as to what this account is and if it s truly even my account. They then tried to sue my brother in law because they attached him to this loan, but did not send me any notiication about the law suite . And this was after the statue of limitation had passed to be able to sue him or myself for that matter.
Product: Credit card or prepaid card

I have a store credit card for XXXX XXXX which is serviced by Wells Fargo XXXX XXXX I have tried to setup an online profile to make payments online since my first bill in XXXX The Wells Fargo website does not allow me to create a profile it states they don't recognize my credit card number or social security number. I have called the customer service number each month and explained the issue but they fail to look into the problem. My last attempt to fix the issue was on XX/XX/XXXX, I called XXXX. I called 3 times ( XXXX EST, XXXX EST 20min call and XXXX EST 20min call ). I explained my problem and expressed my frustration for not being able to setup a profile so I could make a payment online. None of the associates, including a supervisor, were able to figure out what was issue and provided scripted responses such as " my account is charged off ''. That is ridiculous since the account was just opened in XXXX and I have not even been 30days yet on a single payment. On my call at XXXX EST, the supervisor on that call stated he would have the team he thought could help " online banking '' return my call in 48hrs. I provided permission to have the department call me back and leave a message if required. I have yet to receive a response. I have had other accounts with Wells Fargo ( 2 mortgage accounts that are now closed ) but have not had any issue creating a profile for either accounts. In the early XXXX 's, I had a Wells Fargo fraud issue, where they had another customer assigned to my social security number not sure if they ever cleared up the issue on their end. My inability to make my payments on the website has caused me to be late on a few payments because I have to go through the long process of making a payment with an agent over the phone. I only want to be able to make a payment through the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$650.00} ; XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted equifax that people were trying to apply for credit under my name It was impossible to get this done. 
So far about four credit cards were applied for under my name I haven't applied for any cards
Product: Bank account or service

I was targeted for and completed the requirements for a checking account/debit card. The requirements were completed in early XXXX. I confirmed I had met the requirements via online chat and was told I would receive the bonus XXXX XXXX points by the end of XXXX. During the first week of XXXX I contacted Citibank via online chat to ask about my missing points. An investigation was opened and I was refused the points saying that there was no such promotion when I opened the account. A second investigation has been opened and my points are 'pending ' and should be in my account in 60 days. It is ridiculous that should have to wait XXXX months to receive a bonus and jump through multiple hoops to get a promotion that I was offered. I will be very wary of dealing with Citibank in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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 Bureau 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 consists of : Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

In XXXX of 2024 I began receiving calls from Portfolio Recovery. After speaking with a representative and requesting their email and mailing addresses, I sent correspondence requesting verification of the debt and instructions to not call me during the hours of XXXX and XXXX EST. Since sending an email on XX/XX/2024 to the address provided by one of their representatives ( XXXX ) and written correspondence via certified mail, I have received over XXXX telephone calls from Portfolio Recovery during the hours I requested they not call me. 

Portfolio Recovery responded to my initial complaint filed with the CFPB stating : " PRA reviewed its records and found no instance in which PRA improperly called our customer regarding the PRA accounts ending in XXXX and XXXX. We reviewed our call logs and found no record that we attempted to communicate regarding collection of the PRA accounts ending in XXXX and XXXX before XXXXXXXX XXXX or after XXXXXXXX XXXX. in our customers local time or at other times when we knew or should have known were inconvenient. '' Please refer to the attached email I sent in which I requested no telephone calls during work hours and the screenshots from some of the numerous calls I received. 

The images provided and email show that Portfolio Recovery has tried to contact me on numerous occasions after I requested they not.
Product: Credit reporting or other personal consumer reports

My Capital One Credit Card found my Social Security number in the Dark Web and requested me to take Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with XXXX on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from XXXX within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Credit card or prepaid card

Capital One Bank has had several request to remove all my debit cards on the account and checking account information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a debt validation letter to XXXX XXXX XXXX to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, Experian and XXXX XX/XX/2023 requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! Experian said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.
Product: Vehicle loan or lease

My car was purchased XX/XX/2016 and my payment is XXXX a month I called the company to make arrangements do to my pay not being on the XXXX of each month. The rep stated what day will work for u I said no later than the XXXX of the month. The response was it's not a problem. So they started calling me on the XXXX I stated to them I made arrangements to pay by the XXXX and was told it was not a problem the rep on the phone said that no one told me it was not a problem. So this month I payed XXXX on the car and made the XXXX payment on the XXXX now I am being called over XXXX saying it's a pass due late fee and they will take my car I stated to them I was never told I had a late fee and the rep said it's not her problem and I said I will pay it on the next payment due to me having a hard time and she said well we will continue to call u .I said I have been called more than 7 times a day she hung up on me.
Product: Debt collection

Owed 4000 on a car loan had horrible family issues they refused to work with me I begged for more time due to my sitiuation they refused demanded I pay them or they would destroy my credit they took my car and resold it for triple the amount owed but they still call and harass me and my family even call my job and friends the company name is coastal credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The equifax breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that Equifax and XXXX and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
Product: Credit reporting or other personal consumer reports

This is for Equifax, XXXX GA I recently reviewed my credit report XX/XX/year> and noticed a account not reporting Accurately. There are XXXX collections showing on my report from XXXX XXXX in which is not showing on my other credit reports. The consumer reporting agencies need to report all information with complete accuracy. Im requesting you investigate and remove errors from my report.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX : XXXX  XXXX XXXX XXXX
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 15 USC 1681. 

Account name : XXXX XXXX XXXX |Original Creditor : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX - XXXX XXXX | Account # XXXX, 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from the ability to get new credit cards, to get a house for my family, to get a new car, etc.
Product: Money transfer, virtual currency, or money service

Hi. I just want to ask help to restore my paypal account. It was permanently limited and can no longer use. I didn't violate any of their terms and conditions. Different people are sending me money because I am a freelancer. I am doing typing jobs, selling digital works and others. Help me to report this issue in paypal so that I can use it again and it is easy for me to receive my fee as a freelancer. 
Thank you so much for your help.
Product: Bank account or service

BBVA Compass ' Bankcard Collections Department placed a hard credit inquiry on my credit report on XX/XX/2017 which has lowered your credit score with XXXX by XXXX ( XXXX ) points. I have not requested a loan, credit card or any financial service from BBVA Compass for them to put a hard credit inquiry on my report. I request the Bank provide a letter to XXXX requesting that the Bank 's hard credit inquiries be removed. I also request that the Bank refrain from performing any additional hard credit inquiries on my credit history with any of the XXXX major credit reporting agencies.
Product: Checking or savings account

Capitol One is still holding on to my money after I have complained about it already. They said that it was insufficient funds but somehow they were able to take money out of that amount. Its still not making any sense to me if the check didnt have any money on it. They are trying to hold my money and keep and think its ok and its not. I will never bank with them again because they are taking people money like people just have money to give away. They need to send me my money back. Its been since XXXX of XXXX. Its should not take that long to investigate a deposit which is not a fraud as we spoke of this already. I will keep complaining about it until I get my money back.
Product: Debt collection

Credit collection services XXXX XXXX XXXX. 
XXXX, Ma XXXX XXXX Collecting for past due XXXX car insurance from XXXX XXXX company. In the amount of {$2100.00} XXXX. I have never owned a XXXX XXXX. I have never used XXXX for insurance XXXX. Not sure about the collection services, if real or fake XXXX. Afraid to give out personal information XXXX. Talked to them and told them I didnt have either car or insurance provider XXXX. Odd they dont have a XXXX number
Product: Debt collection

I tried to pay my Chase Freedom Visa credit card on time using online bill pay like I normally do in 2018, but they had changed the address they accept payments to, did not inform me, and did not accept my payment. Then I got charged a bunch of late fees after I paid the payment to the new address. I merely want to not be charged late fees and get a refund for this. they also didnt stick to contacting me during normal business hours and wont give me a refund of the unfair and unlawful late fees I paid and instead claim it was a " chargeoff ''. They also appear to owe me caswhback and points on this card
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX 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 XXXX XXXX XXXX XXXX