23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2023 a friend sent me XXXX $ XXXX payment from his chase bank account on XX/XX/2023 my account got frozen because of the payment he went to the bank where he stated problem was resolved but my account is still freeze the bank will not release my funds
Product: Credit card or prepaid card

I have an Upgrade XXXX XXXX Rewards card. You are supposed to be able to pay off your balance due early. For the last two months when I click 'make a one-time payment ' it fails. I get the message " We were unable to schedule your payment. Please email us at XXXX. '' I emailed Upgrade and got an automated response acknowledging I emailed them. I then received an email from upgrade stating " Upgrade values your business and would like to hear from you. Wed appreciate your feedback on your recent experience with XXXX. '' I never spoke to a XXXX or received any other email. 

This company needs to be investigated. They are stealing customer 's money by causing balances to go higher than they should be due to their system blocking payments.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX  # XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$350000.00}  XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$350000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX XXXXXXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around s and then evrything goes from baf to worse inquirires on my credit report XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with XXXX and Omega RMS , LLC, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, Omega has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

I have new and updated information regarding complaint number : XXXX. 
Hayt Hayt and Landau P. L. a third-party debt collector is withholding documentation to verify the validity of their claims. I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement.
Product: Mortgage

DearSir/Madam, I did a mortgage modification with the XXXX XXXX at XXXX and started making my regular payments every month on time. On XX/XX/XXXX when I went to the XXXX XXXX to make mortgage payment for that month I was told that my mortgage was took over by The Select Portfolio Servicing and I needed to make the payments to them starting that month, XX/XX/XXXX. I called the Select Portfolio Servicing phone number that was provided to me by the XXXX XXXX so I could make the arrange payments. After I spoke to a Select Portfolio Servicing agent who stated that they were told that I didn't pay my last 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  After that false accusation I thought it was a mistake on their end and I spoke with one of their supervisor, who stated the same accusation and told me he would close the case if I could fax him the XXXX XXXX statements which they should have already received them from the XXXX XXXX   when they took over my mortgage. Not only the statements but I also sent them the copies of the payments slips including those months they accused of me not paying. Each time after I faxed those documents to the Select Portfolio Servicing, inc. with the confirmation for the fax, they kept denying and telling me they didn't receive it. after the modification I always made my payments on time to the XXXX XXXX and to the Select Portfolio Servicing after they took over my mortgage on XX/XX/XXXX. Each time I called to Select Portfolio Servicing for the payments over the phone using my checking information, I was always subject of their allegations and harassment, not only that also getting harassing phone calls numerous times every day for years, receiving letters of their false accusations with threaten me to lose my house, messing up my credit with their default claims since the XX/XX/XXXX, for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments I already paid on time and faxed them the copies of the payments slips and the former mortgage company ( XXXX XXXX ) statements. I got so tired and frustrated of this false allegations and started doing 3 months auto payments in one time so I didn't have to deal with their lies every month. When I called them again to make 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX at XXXX eastern time, I spoke to their agent XXXX XXXX XXXX who stated that she can't process my next 3 months payments because my house is on foreclosure and handling by the attorney named XXXX XXXX with the phone number XXXX XXXX XXXX. as a results of the intentional wrongdoings of Select Portfolio Servicing for almost last 5 years I am at the edge of loosing my house, my health and damaged my credit severely. I am respectfully asking you to bring the justice to this case and taking necessary punitive actions for this company. Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

- XXXX XXXXXXXX XXXX XXXX account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- Capital One, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

XXXX XXXX XXXX XXXX XXXX account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- XXXX XXXX, account number XXXX : I am currently in the process of paying off my car loan with XXXX XXXX. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX The remaining accounts listed on my report are also unfamiliar to me.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX several calls made regarding debt. I have settled my debt with this hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( XXXX  ) ( AFFIRM ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

After a long investigation On XX/XX/XXXX, Bank of America Fraud department mailed me a letter stating that {$16000.00} was credited to my account ending on XXXX. The purchased was made by XXXX XXXX at XXXX and XXXX 's who was in cahoots with XXXX XXXX. Merchandise and hand written receipts are on XXXX XXXX name***Please see attachments. 

On XX/XX/XXXX, I was pending the credit for account ending on XXXX for {$16000.00}, with the same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, I spoke to the supervisor which immediately said that they were giving me the credit back and closed the case. Few laters I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department next day in the morning and told the fraud department representative what had happened the night before, and the representative said to call the dispute department and tell them to close anything they have opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the cases and reopen a new case on credit card ending and XXXX for the {$16000.00}. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for XXXX month and something that should have been resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.
Product: Debt collection

As of XX/XX/XXXX the amount of {$570.00} is still on my credit report from source Receivable management. Attempt to collect the debt from XXXX Considering I was with XXXX XXXX for over 4 and a half years I purchased several phones and was able to put my phone numbers out I don't consider the amount to be reasonable. 
Meaning my contracted price never remained the same it always went up due to ridiculous surcharges and made up taxes
Product: Mortgage

I have two mortgages currently with Fay Servicing, both for investment properties that I own. I have an " auto-ACH '' that I agreed to when the loan was originated, which pays Fay from my bank account on the 12th of each month. These loans were originated on about XXXX of XXXX. 

After a review of those statements, I identified XXXX occasions ( for each loan ), where Fay charged me a late fee of 10 % of my monthly mortgage payment. The total late fees equaled almost {$1000.00} dollars across the two loans. 

I tried to reach Fay to discuss through online messaging, via 800 number during their hours, and using their " call me back '' feature. I did this over 3x times over 8 days. Unfortunately, I never received a response.

My complaint : I am seeking : - return of the nearly {$1000.00} in late fees that were charged to me by Fay - clarity on the grace period associated with these loans, so that I can remain in compliance - ANY response by Fay to my multiple inquiries This mortgage servicer has been completely unresponsive. Please help a concerned and impacted citizen. 

Thank you.
Product: Credit reporting or other personal consumer reports

I do not recognize inquiries from Transunion XXXX - XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX-XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I doXXXX not recognize inquiries from XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Consumer Loan

SANTANDER CONSUMER USA MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet Experian and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Medicredit XXXX XXXX XXXX XXXX  XXXX, MO XXXX Reference # XXXX To Whom It May Concern, I received a bill from you on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX of Texas, but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX of Texas for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, you are to immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of Texas. Civil and criminal claims will also be pursued against you and your company. 
Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 
It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All sensitive financial documents and identifications have been stolen. This includes passport, license, and SSN. Also deed to my home has been taken. I am being proactive on information being used fraudulently. I am concerned that my wife may have shared the information due to having an affair. She has handled money and accounts online and has had access to all my passwords and usernames. I am ensuring nothing happens moving forward.
Product: Credit reporting or other personal consumer reports

Im reaching out because a tradeline on my credit report is not being reported with the maximum possible accuracy, which is a direct violation of the Fair Credit Reporting Act. This error is unacceptable, and I am demanding that this tradeline be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based off my XXXX credit check the account XXXX XXXX XXXX XXXX  # XXXX is reporting late for XX/XX/2021. Also the payment amounts on the credit report are inaccurate. I made a payment in XX/XX/2021 also a double payment in XX/XX/2021 through XXXX
Product: Checking or savings account

I had 2 wire transfers ( XXXX Euros Each ) sent to my Wells Fargo Checking Account from XXXX XXXX on XX/XX/2023 through XXXXXXXX XXXX. My account was only credited with one of the transfers. 

Wire Reference # 's ; XXXX XXXX