23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. 

But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.
Product: Debt collection

Law office of Scott caruthers. Claiming I owe XXXX XXXX. Have never ever dealt with XXXX. Rude, threatening, obnoxious
Product: Money transfer, virtual currency, or money service

Can not connect my bank account to a third party savings app that I have been using with no problems for six months. Now getting a notice that PNC prevents me from being able to link accounts to third party apps. Will be closing my account and moving to a credit union now that I can not send or save money through third party applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy Petition, which included my mortgage debt with XXXX XXXX. I did not reaffirm the mortgage during the bankruptcy proceedings. My Chapter XXXX Petitioner was closed with all listed debts discharged on XX/XX/XXXX. I know the mortgage on my home continues a debt against the property but my personal obligation for the debt was discharged. XXXX XXXX   continues to report my mortgage account to credit reporting agencies, including Experian. I have notified Experian and XXXX XXXX  that the information shown on my current credit report is a violation of the Bankruptcy Discharge, but they refuse to remove the information from my credit report. I am attaching a copy of my Bankruptcy Petition and Discharge with this Complaint. I need help getting this information removed from my credit reports, as it is adversely effecting me and my family. I did not want to file for bankruptcy protection but as I did, I am entitled to the protections granted to me by the Bankruptcy Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me
Product: Checking or savings account

My Name is XXXX XXXX I am a new immigrant to the united states, I have been settling for about 6 months, during the period of the spread of the covid 19 pandemic, the majority of proposals to work have been online, and this is how I had a proposition through the face book, attached all the discussion since the beginning. 
I had a proposition to work with XXXXXXXX XXXX XXXXXXXX company for a position XXXX XXXX remotely, the job request some devise and software so they send me a check with XXXX to purchase the necessary materials .I have receive a check next day with an amount of {$3800.00}, I have try many time to deposit the check online with my banking App of XXXX XXXX  XXXX XXXX but it was rejected, after 30min My supervisor told me to deposit directly inside the branch of the Bank XXXX Next day the check was returned. I was surprise how a big company like XXXXXXXX XXXX XXXXXXXX doesnt have money for this amount .... 
The most big surprise is when XXXX XXXX XXXXXXXX close my two account checking and saving account, I cant understand what is my mistake. 
My Proof The XXXX letter with the tracking number that I receive the check inside A copy of check and The receipt that I deposit the check inside the bank All the discussion in the messenger and the email from this company All the claim that I have do it with my calling of XXXX XXXX XXXXXXXX and my appointment to discuss and trying to resolve this issue no not succeed yet. 
I want to be remove all this information from the XXXX XXXX and Early Warning Service and be clear off. ( Credit Reporting Agency )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my 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 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

Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, Equifax, and XXXX, XXXX XXXX raising the score XXXX XXXX like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in XXXX  or XXXX  or XXXX, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX  XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.
Product: Checking or savings account

starting sept. XXXX I received the statement of my account ending XXXX and I notice {$700.00} draft on my account on XX/XX/XXXX with the following detail " withdrawal in branch store. then I went to the bank and explain the manager that I did not draft this money. The bank manager told me he will open an investigation for the case and he also told me that I was the person who draft the money I asked him to show me the receipt which should contain my signature he said the bank has the receipt but they do not show me the document. Then I went to other teller and she show me a {$700.00}. receipt with not signature. I want to anticipate that my information including my driver license is on file at Wells Fargo bank since XXXX and when the teller open my account they have my information this pattern of withdrawal has been used by this bank to deplete my account on priors dates. If the bank said they have the receipt on its own I have right to read the document and agree or disagree.
Product: Bank account or service

My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.
Product: Debt collection

As you may already know, credit reporting laws mandate that bureaus report only 100 % accurate credit information. Yet, you have included erroneous information on my credit profile, which is a clear violation of the law. I demand that the following information be investigated immediately. I respectfully request that you provide proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. Failing that, these items must be deleted from the report as soon as possible : XXXX XXXX XXXX and XXXX XXXX XXXX. It is outrageous that XXXX and XXXX have already removed this account from their records, yet you continue to report it on my credit profile. Please delete this erroneous information from my file immediatelyI remind you that you are legally obliged to ensure the accuracy of credit reports you publish under the Fair Credit Reporting Act ( FCRA ). Failure to do so will result in serious consequences, and I will not hesitate to take legal action against you. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Mortgage

My Mortgage company is : PHH Mortage and XXXX Mortgage company past mortgage loan was with OCWEN which is still on the paperwork as well. 

I called to get help with mortgage after suffering some financial difficulty after a vehicle accident and a change income status from job. When I called to get help, this is what they did to me. The company has changed the dates on when last payment was made and has not acknowledged that I asked for help when the mortgage was not late or behind. Once I asked for help, they locked me out from making payments. then told me I had to pay almost XXXX to become current and I was not even late at that point. they blocked me out for the past 7 months from making payments and telling me I had to pay different amounts to bring the mortgage current. 
They will not allow me to speak to anyone to explain what's going on or get information. They keep mailing me the same paperwork with the same dates. then when I asked for a remodification, they said declined due to late payments. after it was there faulting the payments to be late after they locked me out from making the payments. I could only make a payment if I paid XXXX. I'm in desperate need of help the mortgage company is not helping. 
They are forcing a possible foreclosure. They said it was because the value of my house is more than what I owe on the loan, and they come out better taking the house and selling it for what the going market is for my location. I don't understand real estate laws and I think somewhere along the line this is illegal. They refuse to allow me to speak to a higher person each time a call they keep telling to file for a remodification and then send paperwork saying declined with the same dates. I need help immediately. I keep getting paperwork from different mortgage companies with different dates. 
They even changed the date of when the mortgage got behind after I asked for help before the mortgage became late. they locked me out from making payments which forced me to become late. Now they trying to foreclose on my house. 

I really need help. 
XXXX XXXX XXXX.
Product: Checking or savings account

I opened a business checking with kabbage on mid XX/XX/2021, I have more than {$12000.00} in the account on opening, the APR were 1.10 % with {$300.00} opening bonus. On XX/XX/XXXX, kabbage paid only $ XXXX on interests, the calculation is wrong ; I deposited another {$25000.00} on XXXX, but the interests they paid on XX/XX/2021 is only {$14.00} with my opening bonus, the calculation is so wrong. I started calling on XX/XX/2021, almost daily, I got transferred around or being put on hold for hours, no one can assist me from Kabbage, their representative XXXX and XXXX calculated the interests with me together on the phone, the mistake is obvious, but they dont have special department to correct this problem. Today, I got a phone call from kabbage, I called back, the representative said the calculation is correct, I calculated with that person on the phone together, he eventually agreed calculation was wrong, but he doesnt know what to do and can not help me. Its been almost two month, no one can help and give me a correction!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that should not be there from XXXX and I was sick with XXXX XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I do not recognize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

Please remove following inquiries along with the accounts that do not belong. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This process is a follow-up to prior to my previous complaint that contains these items : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} These items must be removed for they are erroneously reported in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
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: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Someone with a similar name is listed with a different address on my report. This came about after a credit card was opened using my name. I would like the name removed with that person 's address in my Experian generated credit report. Experian makes you pay to change anything that is incorrect from their website and their phone number directs you to their website. I had paid a monthly fee to Experian earlier in the year for about 6 months but then discontinued the service. This is the first time to my knowledge that my identity has been used by someone else.
Product: Credit card or prepaid card

To whom it may concern : I am writing to complain about my banks handling of my credit card starting this past XXXX. 
In XXXX of this year, I called my Wells Fargo customer phone number to make a payment and told the representative that I could not afford to make my regular payment due to financial hardship. My main job that brings in most my income drastically reduced my hours/income and I was having trouble and still having trouble paying my bills. This job was affected by the COVID-19 and resulting impact was a major reduction in my income. So the rep on the phone said Wells Fargo had a COVID hardship program and I could defer payment two months in a row. I said yes to the program but a few days later I found out my card declined and I had almost {$12000.00} left of credit available on that card and found out the credit line was reduced to a little over {$8000.00} which left me with only {$100.00} of credit to spend on my card. I was furious when I found this out, as I have been with Wells Fargo for about 30 years and worked my rear off to get a gold standing credit card with a high credit line over the years. So I filed a complaint and I got letters about 5 altogether saying we would forward complaint to their Executive Office. Most the reps that I called on these letters said the same thing, we are looking into the matter, but most would not return my calls. One such rep XXXX XXXX at phone XXXX never returned my call when I left message saying I was furious and needed an expanation why would they do such an inhumane thing to a consumer, especially during this COVID pandemic. On XX/XX/XXXX, I finally got a letter in the mail stating they decreased my creditline from {$2000.00} to {$8600.00}, due to a risk- based decision. This credit card now left me with about {$100.00} to spend on the card. 
I was furious and even tried to elicit the support of a local Wells Fargo branch manager on XX/XX/XXXX, Ms. XXXX, of whom was sympathetic, and said she would file a complaint on my behalf. But still nothing happened and I continued to get letters from Wells Fargo Executive office saying, we are sorry, but we are looking in the matter. 

I am furious at my bank how they handled this and how could they do such a heartless, greedy maneuver when I have been a hard working customer of theirs for 30 years. 
I want mu credit limit returned and think this move by Wells Fargo is disgusting and I would pull out all my business with them, but I have so many automatic debits/ payroll arrangements with them it is very inconvenient for me to do that. Please can you help with this horrible greedy sucking entity of a bank Wells Fargo?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Debt collection

In XXXX of 2016, A major flood disaster occurred in the XXXX XXXX XXXX area where I live, Both President Obama and Governor XXXX XXXX XXXX issued a declaration of federal disaster. 
Mail service was sporatic at best and still is. I did everything I could to stay on top of my debts, With mail being an issue, I did miss a few payments, CBNA Sears Account number XXXX refused to give me a deletion of the late payment in XXXX. I sopoke to them on several occasions and they said a natural disaster was no reason to be late on a {$27.00} payment. They were rude and condescending about this debt, I paid the account off, and then they arbitrarily closed the account. I am asking for the law to be followed on credit reporting after a natural disaster.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : Creditor Name- XXXX XXXX XXXX Creditor Name- XXXXXXXX  Creditor Name-XXXX XXXX Creditor Name-XXXX XXXX  Creditor Name-XXXX XXXX XXXX Inquiries- XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX
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. Furhtermore, 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 inconvenince and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There are several late payments on credit report when I was never late
Product: Credit card or prepaid card

On XX/XX/2022, someone used my identity to open a credit card with COMENITYCAPITAL/XXXX They made a purchase of {$640.00}. This was not me and I did not authorize this purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep disputing address XXXX XXXX La XXXX XXXX XXXX XXXX, MO XXXX from my consumer report but it'll reappear the next business day. What the XXXX is wrong is Equifax XXXX XXXX system or company to where I have to keep re-disputing the same inaccurate information off my consumer report. I so, close to suing they XXXX for violating the FCRA because no inaccurate information is supposed to reappear on the consumer report. Including they're reporting inaccurate in the first place. Attached is the confirmation for number of disputes for the same item & its more.