23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Received {$250.00} American Express gift card from my employer. Attempted to add the gift card to my XXXX wallet as a payment method. This is something I have done in past years with no problem. However, on all attempts to add the card to the XXXX wallet, I receive a message that the card was " declined by the issuing bank ''. 

Called AMEX and was transferred around, had the call dropped, re-called etc. Finally got a rep who said that the card is valid and that there was " no reason for it to be declined by AMEX, unless the merchant did not ask for the 4-digit security code ''. Actually, XXXX does require the security code, so why did AMEX decline the charge? They suggested I try it at another merchant, but I want to use the card at the merchant of my choice. XXXX does take AMEX cards, so AMEX should not have declined this charge.
Product: Mortgage

My wife and I were applying for a mortgage and working with Lennar Mortgage. Due to my self-employment, we decided to leave myself off the application. However, even when specifically asked to not pull my credit, the loan officer proceeded to do so. The document uploaded name thats starts with XXXX is a screenshot from my wifes email where she specifically asked him ( after talking on the phone ) to only pull her credit.
Product: Credit card or prepaid card

Barclays Bank has withheld or erased the points I have accumulated using their Uber Visa Card. There was an apparent change in the terms of the card, which led to a conversion of the points to Uber Cash, in the amount of {$1400.00}. I do not have an Uber account, nor was I ever asked to create one when I first signed-up for the card. On XX/XX/2020, an agent at Barclay 's  Office of the President claimed that there was nothing they would do to help me restore the points or access the Uber Cash, and warned me that contacting the CFPB would lead to the same outcome. But I currently have no other recourse.
Product: Mortgage

Variable rate line of credit was funded XX/XX/19, Reviewed loan and found not in compliance I XXXX XXXX ( mother ) involved with process with son 's signed authorization. 

I have XXXX XXXX in remission and made several mistakes on my complaint letter, however still mistakes. 

Note describes PRIME as index but does not indicates MARGIN example : plus or minus 1/4 pt. 

This transaction was done via internet and son did not receive early disclosures including booklets. 

Rates have changed with no notice Maybe other issues that I'm not aware of
Product: Debt collection

XX/XX/XXXX, I discovered that I have been a victim, and continue to be, of identity theft. over the course of the past nine months, I have had to dispute ( as fraud ) a plethora of trade lines, liens, foreclosures, collections etc. through all three of the credit reporting agencies ; XXXX, XXXX and XXXX. As of today, there is still a few companies left that vehemently refuse to remove my fraudulent debt with them even after numerous calls, over 20 x 's disputing with XXXX even though it has been indisputable that these collections are of a fraudulent nature. The name of the company is Skagit Bonded Collections. 

After speaking with them numerous times, it appears that these XXXX collections are medical bills that were apparently charged from a hospital in a town our county to which I have never frequented. even though I was a resident in the state of Washington from XX/XX/XXXX - XX/XX/XXXX, the name and previous addresses that they have on file do not match me. I have never lived at either of the addresses they claim and the debts are apparently under my name with the suffix of XXXX attached. I have sent them and the reporting agencies my passport, driver 's license, social security card and proof of current address to no avail. They continue to insist that this debt is mine and subsequently each time they report such to XXXX, it then changes my name to XXXX. I have disputed these collections every few weeks for the past 8 months and it still sits on my credit report.
Product: Debt collection

I was sent a fake letter in real BofA letterhead stating I owed {$16000.00} in credit card fees. The letter used a real BofA hyperlink that redirected to another fraudulent website. It also used a real BofA address from a BofA Commercial Card Team. I didnt call the number but have attached the letter below. 

Of note, the letter was left on my doorstep and not in my mailbox.
Product: Credit card

I was solicited by CapitalOne with whom I have had a multi-year banking relationship for a CapitalOne credit card. I applied for the card, and received a notice asking that I submit a copy of my photoid. They provided a web-site address where the image of the photo-if ( front and back ) could be submitted. I made the submission. I did not hear back from them, though their web-site acknowledged that I had submitted information. When I called to enquire I was told that the format in which I had submitted the photo ID copy was not correct. I asked for a description of what was required -- the agent said that he was not allowed to provide me with that information. I requested that they send me a letter to that effect and he said that was also not possible. I asked to speak with a supervisor. The supervisor said that I needed to use a smartphone to send a copy of my photo ID. I asked the supervisor to provide a letter to that effect. He said that he could not. I then asked when I would be informed that they information which I provided was not adequate. He checked with some department and then told me that they would not be sending me any details saying that what I provided was not adequate but that they would simply wait for the response period to end and then deny my application because I had not provided the requested information. All of this was communicated on a recorded line. I asked for a further escalation and was told that this would not be possible. I then asked the agent if I could record him stating that their intention was to not inform me in writing that the information I provided was inadequate. He told me that I could not record the call -- even though Capital One was recording the call. We ended the call.
Product: Checking or savings account

Hi, I opened an account with SoFi recently, and had money moved into the account both checking and savings. When I tried to move money to another external account on XX/XX/2022, and on XX/XX/2022, they froze my account and told me to call the fraud department. I finally got them on the phone and they asked me very personal questions, were rude, and said they would write a report. They would not tell me when my account would be unfrozen, despite me expressing how concerned I was as I may need that money soon! I have called many times and left 2 messages over the past two days. No one is picking up or returning my call. I am extremely upset and have never had this happen at another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters about unauthorized inquiries into my credit report and Transunion refuse to remove.
Product: Checking or savings account

This was happened on Last Wednesday XX/XX/2022. PNC Bank has blocked/hold my wire account but main acocunt still shows available balance. Available balace shows XXXX since I went to branch try to get a cashier check. I was trying to fix the issue with my banker since last Friday after XXXX, and I called many times to customer services. No one knows what's going on untill teller told me yesterday, my receiving has a hold that to hold my whole account. 

All the transactions is familiar accounts from my familiar customers. Account has been hold/freeze without ANY NOTICE!! I did nothing wrong about my business!!!!! 

The situation is, because hold/freeze my account/money that effective my business and operating noiw
Product: Credit reporting or other personal consumer reports

The information stated in the account I have sent a copy of my id and proof of XXXX update the information Transunion Incorrect names : 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 15 USC 1681B ( c XXXX Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquires, except as provided in section 15 USC 1681G ( a XXXX ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately 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

I had Equifax enter information of a judgement against me that really belonged to a different XXXX XXXX. This report reflected their credit score that they transmit to FICO and the other XXXX credit reporting agencies. Which then reflects onto their reports. The judgement is for a person with the same name but different social security numbers. This is the 2nd time in 2 years Equifax has done this. They should be required to verify identifaction before they submit information on a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED OVER AND OVER FOR 5 YEARS NOW ACCOUNTS THAT ARE FRAUD. NOW I HAVE INQUIRIES THAT KEEP POPPING UP I HAVE SUPPLIED POLICE REPORTS FTC REPORTS AND XXXX KEEPS COMING BACK SAYING THEIR MINE. I DONT THEY ARE EVEN LOOKING AT THE REPORTS SENT TO THEM. BUT THIS IS DAMAGING MY CREDIT WITH XXXX. HOW DO I GET THIS STUFF REMOVED I HAVE EVERYTHING TO PROVE IT IS NOT MINE. I NEED HELP. 

XXXX XXXX EXPERIAN THEY NEED TO READ THE FTC REPORT CAREFULLY AND SEE THE ADDITIONAL INQUIRIES AS WELL AS THE ACCT NUMBERS TO EACH ACCOUNT THAT IS FRAUD,
Product: Mortgage

After submitting all necessary documentation required for my loan application Fairway Mortgage did NOT notice that one of the items on my credit report was showing " in disputed ''. The week prior to close they had me sign a paper advising the credit bureau that the item was no longer in dispute. In so doing it changed the last activity date on the disputed collection to XX/XX/XXXX disqualifying me for the loan on the last and final day of closing. Had they done their due diligence and noticed it during the initial application process the pain, anguish and expense would have been avoided. Due to their error not only did we NOT move into our home the next day but we lost, what to us, was a substantial amount of money. 
This could have been completely avoided had Fairway Mortgage done their job appropriately.
Product: Credit reporting or other personal consumer reports

I have disputed two hard inquiries on my Equifax credit report : ( 1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Inquiry Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX  XXXX I have contacted Equifax a total of 3 times for the purpose of disputing these inquiries, as I have never had any contact with these two businesses or given them permission to make hard inquiries on my credit files. I first contacted Equifax on XX/XX/XXXXXXXX  by filing an electronic dispute. Equifax completed this " investigation '' within 7 days with their determination being that the inquiries was valid and would remain on my credit report. I then wrote to Equifax on XX/XX/XXXX requesting that they provide documentation to support this, but never received any response or confirmation that my information was received. Finally, I filed a second electronic dispute of these two hard inquiries on XX/XX/XXXX. This time Equifax claimed to have finished their " investigation '' in less than 24 hours with the result being the same as the first dispute. As I have stated, I have never had any contact with these businesses and these hard inquiries should be deleted from my credit report immediately. I previously requested that Equifax provide me with proof that these companies were given the proper authorization to conduct these hard inquiries, by providing a signed contract or other supporting documentation. Equifax has failed to do so. Furthermore I believe that Equifax has failed to conduct reasonable investigations into this matter in violation of the FCRA and US Code 1681i. 

Equifaxs response from XXXX is absurd. Equifax has provided zero documentation proving these were valid inquiries to my credit report. I will be escalating this further until I receive said documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$83000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Over the course of 5 days I was charged on my checking account XXXX $ in XXXX transactions by XXXX XXXX for credit that I did not receive with their site. I was trying to make a deposit of XXXX $ however the transaction was declined every time on the site but the money still left my account. I disputed the charges with PNC bank and they did not provide a provisional credit as required by the law Reg E. I have tried to contact them and have also sent them proof that I did not receive my site credit, and PNC has ignored all of my messages.
Product: Credit card

I was out on maternity leave. ( XXXX - XXXX ) I was coming up short on my payment, so I called before my bill was due. ( this is for the bill due XXXX ) I told them my situation, said I would be back on track by XXXX. They were awesome about it, explained there was no pay options available to me at the time, but offered me XXXX dollars in hardship money. Thats when I had someone from Discover hounding me about a payment and daily had to explain my situation. That when someone said you can stop the calls by setting up promise to pay ... XXXX long story short, apparently I felt obligated to set it up. I had every intention on getting right back on track. A DOUBLE payment was taken out the same week I said I could n't pay. I know I would have not authorized that payment!!! It over drafted my account and has been bad since! I asked to listen to the tape, they placed on hold, they listened to it, came back and said I had authorized it. I know in my heart I would not have, I did n't have the money! I asked to listen to the tape, they would not allow me. Is there a law that prevents customers to listen to their own recorded calls? There has been several contacts between the company and I. My history with the company has been excellent, until the reason events. Recently I have became very very upset! I 'm loosing my cool with this situation. ( Not my norm ) I made the comment that this can make people hurt themselves. They sent the cops to my house. Boarder line harassment. I just want to listen to my tapes, the dbl payment was not authorized by me! Thanks for your time in advance!
Product: Credit reporting or other personal consumer reports

These following companies flagged my accounts as Collections without my consent or knowledge of it being a known account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Medical Data Systems I oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX bank Please tell me how you did that. Who did you talk to at the original grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tellme exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will these trade lines be past the reporting timeframe? Dont provide the generic 7 years response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
Supply your response within 15 days or delete the trade lines Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX  Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

i am writing to dispute the following inquiries : - XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX DATE:XXXX XXXXXXXX XXXX date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX to my knowledge i did not authorize these creditors to access my information i called 2 companies and they said they could not find me on file for a account with XXXX XXXX or XXXX XXXX i also do know the others are unthorized and would like them removed please and thank you
Product: Checking or savings account

My information was compromised and used fraudulently to open a checking account in my name.
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 violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing with the company and my XXXX XXXX  Nordstroms I never applied for and a few others I cant remember right now please give me a call at XXXX my name is XXXX XXXX it is a hard inquiry on my credit report and I did not apply for those credit cards I called the company and I also told XXXX and its still there until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit from XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/2021 and was rejected. The rejection letter explained that my TransUnion credit score is missing. I contacted TransUnion ( XXXX ) and representatives told me that my credit score was available. However, TransUnion agents told me they were not able to determine why XXXX XXXX could not extract my score. Anyway, XXXX  XXXX told me to contact Trans Union and Trans Union told me to contact XXXX  XXXX.