23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Its been over 3 month Ive been requesting paperwork so I can come off the forbearance plan I did not receive anything so far and everything I call the always keep putting me on hold for 2-3hours
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to XXXX, Equifax, XXXX. On multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXi submitted some disputes through Equifax. it has now been 32 days. i have not gotten a response or letter within the time frame that the FCRA gives the credit bureau to respond back to the consumer. I am requesting that all negative items of inaccurate information be removed from all three credit reports! following Equifax first please i have been calling and emailing. sent disputes this has been on going for a while since XX/XX/2016. If not i will be reporting to the Federal Trade Commission to  see if any legal action can be taken
Product: Debt collection

I have written several disputes and verification letters to XXXX XXXX amd XXXX XXXX  asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of XXXX. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with both parties. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some opened up an acount with this " kikoff '' company in my name ive called XXXX and XXXX  and they said that i contact kikoff so i did ... they would not cancel my account instead sent me a 4-page .PDF for me to fill out my entire life story ( information/identity ) Their services seems to be they give a {$750.00} line of credit to purchase their XXXX once that is done they charge ( thankfully no purchased anything in my name ) however after emailing them and explained i did not authorize this to close the account Because its showing up on my XXXX XXXX ( and not giving them my info ) im getting texts from different numbers saying " stop '' .. '' remove my number '' and " ha ha ha ha XXXX XXXX  '' something needs to be done this account is ruining my credit... please help
Product: Credit card

When applying for my Card, I had to supply documentation for me to receive the capital one venture card after receiving the card. I had to do multiple verifications via telephone to get the card activated then I use the card for a month used it to its maximum limit, which is {$500.00} I charged {$430.00} and paid it in full via my personal bank account. Also attached to other accounts for payment if need be, Ive proven my identity above and beyond, and was told that my card has been restricted without warning due to me having to verify that I am the person That ordered the Capital One venture card Historical events can show that I have identify myself above and beyond then I was transferred to another agent to tell me now its really my income that is one thing to be verified so first my card was restricted due to identity issues to make sure if I was the one that ordered the card then it became they want to verify my income to verify that its me which sounds absurd to me. I dont know how Income can verify identity better than me giving you my personal bank account, which has been debited already. please help help me. This is a disgusting trend.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to transfer money out of my account to an online savings account and Citibank closed my account. I need my money back ASAP
Product: Credit card

My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?
Product: Consumer Loan

All payments are being made using online banking with XXXX. 
Took out the loan in XXXX 2016 with Santander Consumer USA and started making payments in XXXX. The due date is the XXXX of the month and the online banking was set to credit them on the XXXX. 
In the 8 months that I have been paying on this loan the company has lost my payments 4 times and the payment of {$500.00} made in XXXX is still not credited to my account. They have also credited a payment to my account that I never made and have since removed that payment. I have late fees and extra interest owed. My bank has contacted them and sent proof of payment and still no one knows where my {$500.00} payment is. My fear is that my credit rating will suffer because of their incompentence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I've paid debts on my credit report to XXXX XXXX Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. XXXX then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes XXXX XXXX did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request.

I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.
Product: Debt collection

1. Company ( XXXX XXXX XXXX ) charging that moneys are owed for services from 2018 membership after I told their staff that I would not be returning due to illness problems. 
2. Lawyers ( Aldous & Associates ) representing Company ( XXXX XXXX XXXX ) sent me a letter which i returned a letter disputing the charges owed which I disputed back in XXXX 2018 and they never responded to my letter request. 
3. Being harassed by weekly and sometimes daily phone messages. 
4. The amount their trying to collect represents a $ 10/month membership charge and I believe a $ 50 yearly fee which I never used their facility after cancelling my membership at their front desk. This was the only way I new how to cancel a membership as there is no written or verbal information give to me on how to cancel a membership. 
5. It appears to me like extortion on a XXXX citizen. They put a derogatory charge on my credit report but I'm not giving in to their ways and I'm hoping that your agency can put an end to this ongoing problem. Its not the money as much as the way they do business. 

Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified regarding possible fraud charges to my account. I contacted Barclays that day via phone and confirmed that there were in fact fraudulent charges on my account. I specifically flagged XXXX charge for {$44.00} that came through looking like a fake XXXX charge. Normal temporary XXXX charges show up as follows XXXX XXXX. This charge showed up as XXXX. I told the representative it was fraud on XX/XX/XXXX and she was negligent in flagging it. Therefore the charge went through to my account and I had to make XXXX additional calls only to be told to contact XXXX. That is not possible for a transaction that does not exist in my account. I provided a screenshot of what the charge looked like on XX/XX/XXXX. I also sent screenshots of my XXXX account - showing no such charge exists. I received a letter on XX/XX/XXXX saying that, after further review, they were not able to assist me in obtaining a credit to my account due to the following we were not provided the true nature of the dispute when first notified of the claim. This is 100 % untrue. I have been very clear from the beginning. I have had a credit card account with them XXXX and their customer service is getting worse and worse as well as their ability to stop fraudulent charges in the first place.
Product: Credit card

I have been receiving harassing, threatening and death threats telephone calls from Bank of America representatives in regards to credit card account and debt of {$780.00} that I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
Product: Mortgage

I called Mr Cooper to INQUIRE about current rates so that I can determine if its worth it refinancing or not since I have excellent credit score of XXXX and no debt besides my house payment and car payment. I specifically stated I didnt want to do a loan application and the mortgage rep said she was NOT doing one. However, she did complete a loan application on my behalf so she lied. Then she advised I should take out extra money so that I can pay my car loan. Why would I do that if my car loan interest rate is 1.89 % and the rate she was trying to offer is 4.5 %?? 

This is the 2nd time they unethically do loan application without my permission. They purposely lie and mislead customers.
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with Transunion and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Repeated abusive phone calls, threatening to sue me and garnish my wages
Product: Mortgage

Loan XXXX quotes us a refi on Friday XX/XX/XXXX with XXXX in closing costs, today XX/XX/XXXX he emails a different sheet with over XXXX in closing costs, XXXX XXXX. If I did that in my biz I would be fined and suspended by XXXX. How do closing costs go up XXXX grand plus over the weekend? XXXX should be fined for this kind of conduct. I have wasted time and a credit inquiry and am now outside the XXXX  day period for all mortgage inquiries to count as XXXX What makes it worse is he sent me an email at XXXX XXXX XXXX XXXX XXXX XXXX I'm reaching out to follow up on your loan refinance, can you confirm your feedback on the email i sent you Friday? I would like to know how you would like to proceed? 

thanks, THEN at XXXX PM XXXX XXXX, Thanks for the update. The rates/cost went up from Friday and that's why I wanted to reach out since I never heard back. I'm attaching the updated estimate for you to view. I feel this cash out will save some money now even with the additional cost, but please confirm if you want to continue with this update. Also, if you feel you can improve your score in the next couple of months to get it up in order to get a better interest rate and we can also look into waiting. Please confirm after you review the XXXX estimate. 

thanks, Get Your XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX I had a new account alert. I looked at it and XXXX had closed my only account with them XXXX XXXX. I owed no money never logged in after paying them off well over a year ago. When I called them to see what was going on they told me XXXX  opened the account in my name to the XXXX XXXX company with a new account. They said that they sent out emails and you were to log into your account to get the new account. Ya let them know I never logged into my old account to get the new account. I have a personal witness to the whole incident. I can not even get into this new account as my information with them is incorrect. So not only am I stuck with an account I dont want. Ya cant even get into it. His is not my account I did not authorize it and Experian refused to do anything about it. Im still waiting on XXXX  and XXXX. Thank you. Nobody should be forced into an account like this. The witness to the conversation is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is indicating that the account I allegedly had with XXXX XXXX is chargeoff. Their reporting the account that has been closed for years as chargeoff monthly this is drastically affecting my credit report, just by me exercising my consumer right and disputing this account as a penalty Experian is monthly reporting a charge off and Reaging my debt which is illegal. Im requesting an immediate deletion of this account if its chargeoff six years ago how is it possible to continue reporting it chargeoff monthly thats inaccurate please remove account
Product: Debt collection

In XXXX, I had auto and rental coverage with XXXX through my employer which at the time was a state university in XXXX XXXX. After I left this position XXXX sent notices to my residence about the remaining balance for the coverage. I never received a breakdown of the costs of the coverage and the remaining balance. XXXX never offered an installment plan and my file was immediately sent to a company called Credit Collection Services in XXXX, XXXX.
Product: Debt collection

I rented an apartment for my daughter and after she moved out I received a {$5100.00} invoice from the rental agency 's credit collection agency. The rent was {$790.00}. per month and she owed for two months. I concede to that, but they tacked on a bunch of charges for various items ( see letter attached ). They also kept her {$790.00} rental deposit. I kept trying to contact the rental agency to try and work a settlement with them for the two months owed. However, they refused and put {$5100.00} on my credit report. I have attached all the correspondence that I sent to them trying to work this out. I also contact the collection agency thay they used and they would not correspond with me. I had my attorney send them a letter. When they finally responded, a month later, they gave me a $ {$580.00} credit but would not rescind any of the outrageous charges. After that, they dropped the ball and I have n't received any other correspondence from them to this day, XXXX XXXX, 2015. I want to work this out for a fair and equitable settlement. Transunion said that they checked with Credit Bureau Associates and they remain steadfast with their claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Identity Theft and Unauthorized Credit Reporting by Ally Financial I am writing to formally report an incident of identity theft involving Ally Financial. This company has reported negative items to my credit report without my written consent, constituting identity theft under 15 USC 1681b ( 2 ). The details of the unauthorized credit reporting are as follows : ALLY FINCL Account Number : XXXX Discrepancies

: Balance inconsistencies, high credit limit not reported correctly, and lack of 1099-C form for the charge-off. Ally Financial provided my personal information to credit reporting agencies without obtaining my explicit written permission. As a result, my credit report now contains charge-off negative items that do not belong to me. This unauthorized sharing of my
personal information has significantly impacted my credit score and caused undue stress and inconvenience. According to 15 USC 1681b ( 2 ), any entity must obtain written consent from an individual before furnishing their information to credit reporting agencies. In this case, my identity was stolen, and these negative items were added to my credit report without my consent, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, according to 15 USC 1681s-2 ( a ) ( 7 ), creditors are required to issue a Form 1099-C for any canceled debt. The lack of a 1099-C form for the charge-off accounts listed above indicates that the debts may not be valid, and therefore, the information should not be reported on my credit profile. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Additionally, under 15 USC 1681b ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer, which I have never provided. This unauthorized access to my credit report constitutes a violation of my rights. Furthermore, 15 USC 1692 and 18 USC 1028A outline the regulations against identity theft and unauthorized disclosures, emphasizing the severity of these inaccuracies. I kindly request the following actions be taken : Removal of all fraudulent and negative items from my credit report that were reported by Ally Financial. Notification to all relevant credit reporting agencies, including XXXX, XXXX, and XXXX, about the identity theft and unauthorized reporting, ensuring my credit report is corrected and restored.

I have attached copies of my identity theft report, my FTC Identity Theft Affidavit, and any other relevant documentation to support my claim.

Thank you for your prompt attention to this matter. I look forward to your swift resolution to restore my credit
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Last week XXXX I called ti try to get loan was told that I qualify for XXXX  but because my credit score was not good I had to take out insurance and I didn't know that may be a scam I also had to send money to a person then I was told I would get my loan then a person named XXXX XXXX took over a from there everything went down hill.now I am overdrawn XXXX I am XXXX and I hope you all can help.
Product: Debt collection

I am writing to formally request validation of the alleged debt associated with the account XXXX. It is crucial for me to ensure the accuracy and legitimacy of this alleged debt. I hereby request debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I kindly request that you provide me with the following information : 1. Verification of the existence of the debt and the amount owed, including a breakdown of principal, interest, and any other charges.

2. Detailed documentation outlining the agreement or contract, including the terms and conditions, interest rate, repayment schedule, and any relevant amendments or modifications.

3. Proof of your authority to collect this debt.

4. Verification that the statute of limitations for collecting this debt has not expired.

5. Copies of any statements or records pertaining to the account, including loan statements, payment history, and any correspondence related to the loan.

I want to emphasize that until sufficient validation of the debt is provided, I dispute its validity. According to the FDCPA, you are obligated to provide the requested information within 30 days of receiving this letter. Failure to validate the debt will lead me to assume that the debt is not valid, and I will take appropriate actions to protect my rights.

Furthermore, I kindly request that you halt any collection efforts until the debt has been properly validated. This includes any attempts at communication, whether by phone, mail, or any other means. 

I am hopeful that we can resolve this matter amicably and address any potential misunderstandings. Therefore, I kindly ask for your cooperation in providing the requested documentation within the specified time frame. 

Thank you for your prompt attention to this matter. I anticipate receiving the requested information and resolving this issue in a timely manner. 

Sincerely, XXXX XXXX