23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is no longer open but, the finance company is still reporting as open and is reporting missing payments illegally on credit report, and it shows incorrect information on report.
Product: Credit card or prepaid card

SOMEONE OPENED A CREDIT CARD ACCOUNT WITH COMENITY CAPITAL BANKXXXX XXXXN MY NAME ON XX/XX/2021. THEN PROCEEDED TO CHARGE {$1100.00}. 
THERE WAS A HARD CREDIT PULL FROM MY CREDIT BUEARU. 
WE HAVE ALREADY FILED A FRAUD REPORT AND ALERT TO OUR ACCOUNT. 
WE WILL NOW PUT A CREDIT LOCK ON OUT CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked his credit report XX/XX/2023, and found that a business reporting information against his credit file and doing business as Credit Collection Services is asserting that XXXX has an unpaid collection account and bill with a business known as XXXX XXXX XXXX contacted Credit Collection Services and discussed this matter with them. Credit Collection Services stated that in order to have the bill re-submitted to his health insurance provider it would be necessary for him to complete a form and attach his health insurance card so that it can be processed with updated health insurance information. XXXX complied and then got a packet in the mail with billing codes and other related matters to an alleged lab service. XXXX examined the packet and learned that the services were apparently rendered in XXXX XXXX, CA, a -lace where XXXX never had blood work performed. This is a fraudulent account if this blood lab was performed in XXXX XXXX, CA. If this is just how the bill is presented to the consumer for lab work that was performed elsewhere, but the paper work shows an alternate address, this bill is still not valid. It needs to be returned to the health care provider so that different XXXX codes can be provided so that the blood lab is covered by his health insurance. XXXX just encountered this same issue with a business XXXX XXXX and the codes were updated and the bill became much smaller ; roughly {$100.00}. Therefore this bill is either a fraudulent representation for a service he did not receive or there is a coding and billing issue which can be resolved.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX After recent changes with my credit report and not being able to obtain reasonable percentages on new mortgage rates and being numerous times denied credit I decided to carefully review my credit history and Bank of America Loan Modification which was done XX/XX/XXXX. As l have poor understanding of such matters, I asked for help of a few different financial councilors and Consumer Financial Protection Bureau specialist. And unanimously I was advised to give closer look at my loan modification as it seemed to be unfair in nature on how it was done at the beginning in 2010. That year our American economy was struggling badly and I decided to call Bank of America and see if there was a possibility for me to lower my interest rate from 6.375 % to 2 %, as it was offered in recently passed Government Bill. That is all I wanted. Bank of America told me that it was possible and that it will take time for it to process. They told me that everyone was going through hard times and they had lots of work therefore a representative was never available in person, although there was a BA office right across the street from my residence. In the process and couple conversations over the phone, I was sent trial payment slips and I was told to send payments as it was instructed on those slips. I was never before late on my mortgage payments and I trusted BA, and sent all payments on time. However, I was completely unaware that BA was reporting me to the Credit Bureaus as delinquent and unable to pay, and at the same time they were charging me delinquent interest and delinquent escrow from XX/XX/2010 to XX/XX/2010 of more than {$7500.00}. I was told that I was getting 2 % on my interest drop but BA took advantage of my situation. They never explained to me a full picture of what I was going to be placed into. Just recently after reviewing my mortgage paperwork I found out that my mortgage was not modified. BA did a full refinancing of my loan. They did not lower my interest rate as I requested, but they extended my loan years from 30 to 40 and not only extended, they restarted the whole loan from the beginning, therefore today instead of having 20 years left on my mortgage I have 34. My interest rate is being raised and already reached 4 %. They also charged me {$7000.00} for refinancing and to this day I do n't know what happened to my trial period payments that I sent in and how they were applied towards my loan or it just simply vanished and ended up in someone else 's pocket. 
As a result of this I suffered high interest rates on other loans and products because my credit history for seven years showed negligence as a non-paying and high risk consumer. I was charged over {$7000.00} in fees and to this day I am not sure what happened with my trial payments, as for more than five months bank was putting them aside, and did not applied them to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Product: Credit card or prepaid card

I have applied for a credit card through XXXX XXXX. They use Synchrony Bank. I was denied a card based on " unfortunately, based on results of these checks ( social security, address ) we are unable to confirm your identity with enough confidence to approve your application at this time. '' I have an XXXX credit score and have credit cards through J.C. Penny 's XXXX XXXX XXXX and Lowes ALL OF WHICH ARE ISSUED THROUGH SYNCHRONY BANK. 

Their actions have adversely affected my credit rating. 

XXXX XXXX
Product: Debt collection

The company CBE Group is reporting a debt of {$290.00} from the original creditor XXXX XXXX. This debt was originally falsely reported by a previous company, XXXX XXXX XXXX, in the amount of {$160.00}. The debt amount has not only increased but is not valid. The original debt was deleted XX/XX/2016 from all credit bureaus due to it being a invalid debt. I have not received any communications from CBE group. This debt has already been disputed and deleted through the previous collector.
Product: Credit card or prepaid card

COMPLAINT : CLIENT : XXXX XXXX CAPITAL ONE : CREDIT CARD : XXXX LAST 4 OF SOCIAL : XXXX I SPOKE TO CAPITAL ONE ABOUT A MEMBERSHIP FEE OF {$29.00} THAT IS WAIVED FOR OTHER CLIENTS AND NOT ME : I SPOKE ON XX/XX/XXXX TO THESE EMPLOYEES 1. XXXX : EMPLOYEE # XXXX XXXX. XXXX : EMPLOYEE # XXXX 3.XXXX : EMPLOYEE : I EMAILED THE CEO : XXXX XXXX AS THESE EMPLOYEES WOULD NOT GIVE ME HIS NAME, HIS EMAIL XXXX OR THE CEO 'S PHONE NUMBER : WHY WAS THIS HIDDEN AS A PROFESSIONAL REALTOR, MY TIME IS WORTH {$200.00} PER HOUR. WHAT IS THE CEO 'S TIME WORTH : HERE IS WHAT XXXX SAID TO ME 1. XXXX XXXX, WE ARE WAIVING SOME MEMBERSHIP FEES OF {$29.00} BUT NOT YOURS. WHY? 
THIS IS NOT VIOLATING YOUR RIGHTS. 
YOU CAN NOT FILE A COMPLAINT AGAINST US FOR WAIVING ONE CLIENTS FEES AND NOT YOURS.

2. PLEASE ADVISE : HOW MANY CLIENTS OF CAP ONE ARE GETTING THE {$29.00} FEE WAIVED? 
ARE THE 40 MILLION CITIZENS IN CAL BEING ABUSED? 
ARE THE 12 MILLION IN XXXX XXXX COUNTY BEING ABUSED? 

WHAT LAW ALLOWS CAPITAL ONE TO DISCRIMINATE AGAINST ME? 

THIS CONVERSATION WITH CAPITAL ONE HAD MY PERMISSION TO RECORD IT. I WOULD LIKE THE ENTIRE TRANSCRIPT TO BE SENT TO ME. I AM LOOKING AT RUNNING FOR XXXX XXXX COUNTY SUPERVISORS RACE IN XX/XX/XXXX AND WOULD LIKE TO KNOW IF CAPITAL ONE IS ABUSING 12 MILLION IN XXXX XXXX COUNTY
Product: Checking or savings account

On XX/XX/XXXX, I deposited XXXX checks in person at the PNC Bank located at XXXX XXXX XXXX, XXXX, KY XXXX, to be deposited in my checking account with PNC. The amount of the XXXX checks totaled {$270000.00} - primarily my Federal tax refund check from the IRS, but also my Kentucky state tax refund check ( {$7600.00} ) and a small escrow check from XXXX XXXX  XXXX ( {$1600.00} ). 

At the time of this writing ( XX/XX/XXXX ), the funds have still not been made available for me, and PNC will not give me an estimated time of release, saying only that they are " under fraud investigation ''. I wish to invest these funds, so at this point I am suffering financial damages from the inaction of PNC bank to release this money because they are costing me dividends I could be receiving. Additionally the {$600.00} that was originally in my checking account is no longer available. 

I have spent over XXXX hours on the phone trying to talk to the right people at PNC, but nobody can help me. I have visited the branch XXXX times since depositing the checks and that has also been a huge waste of time. I seem to have no options to do anything about this, and I really don't understand - doesn't PNC *want* my business??
Product: Student loan

After my bankruptcy this loan was was the only one I could not bring back to a current status and I 've been working with a third party agency via XXXX XXXX/Navient making payments each month. I 've been in an arrangement for over 2 yrs making on time payments. I received a call today threatening to take me to court for this loan. The caller would not mail me anything and informed me if I would n't work with him by phone they 'd just do what they have to do. I explained to him I have a payment book that this is set up with monthly auto debits and I am on my job and I did n't have the information readily available. I asked could he email me or send me anything in writing he said no. He said many people said they were working with XXXX like me and loans must have been pulled from them. Why must the call become hostile or threatening because I asked for something in writing? The phone number was XXXX for all I know it could be fraud.
Product: Credit reporting or other personal consumer reports

Account was closed back in the fall of XXXX. However XXXX  has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX  and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from credit report
Product: Payday loan, title loan, or personal loan

I had took out a loan from Big Picture Loans for the amount of {$550.00}, agreeing that there would be a interest rate and a payback period. I was informed they would take out {$140.00} until the loan was paid off with their interest. I was unable to view the " truth-in-lending '' disclosure in detail until the funds were already in my account and that they would be charging my account 697.0857 % interest and I would not be able to pay off the loan until I paid back {$3100.00}. To date i have paid back {$1000.00} wit only {$31.00} taken off the principal balance. They claim they are an XXXX XXXX and are immune to federal US law. There is no way to pay off your balance in full and I fear that they will try and Refinance and cease to stop taking payments from my bank account.
Product: Mortgage

We currently are not being provided monthly statements due to the fact that we filed bankruptcy four years ago. It is their policy that we be protected from receiving such a document according to the law. Our mortgage was transferred to this current mortgage company XX/XX/XXXX. Up to that date, we received monthly statements. After respectfully requesting statements earlier this month based on the Dodd-Frank Wall Street Reform and Consumer Protection Act passed by congress on XX/XX/2014 requiring we receive a " Periodic Statement '', closely being defined as a monthly statement, their response was no, they are not required by law to provide monthly statements to active and/or discharged bankruptcies.
Product: Checking or savings account

TD bank cashed XXXX checks in the amounts of {$950.00} and {$980.00} against my account. Checks were not issued in my name, but someone else 's name. Obvious sign of fraud that the bank did not question. Now fighting to get my money back.
Product: Mortgage

In XX/XX/2020 I was approved for a forbearance. I was informed one of the options was at the end of forbearance, they would just add the payments to the end of the loan. Each quarter they would contact me and using emotional blackmail, convinced me to continue the forbearance. Also, I wasn't making enough money to cover, so why not? 
What they failed to tell me was the principal doesn't change and they entire years worth of payments would be added onto my principal. For instance, in XX/XX/2020 my remaining balance was ( I'll round up ) XXXX. The payoff on my statement shows XXXX. My payoff if I were to refinance or sell the house is now XXXX. Why in hell would I ever approve an extra ( actual net XXXX ) increase in my principal? If my balance was XXXX, how does it now increase? They never explained that when I asked. Their paperwork does not state. 
I get it, I wasn't making payments as part of the forbearance, but the principal if I were to refinance is not XXXX higher? Thats like three card XXXX. 
The agent told me I am paying down the principal, yes no $ hit, I'm on my 3rd mortgage payment since I got a new job in XXXX. If I had known, I would have exasperated my savings, or worked 3 jobs, oh right, there was a pandemic, there were no jobs. 
Sorry. I digress. This was predatory because of my last name. 
What can I do?
Product: Debt collection

This company has already been removed once due to being false a few / couple years ago and it has appeared again.. I am unaware of this account and it needs to be moved again.
Product: Mortgage

I was doing a loan modification and was told not to make any payments. During this time, the bill became so high that there was no way to pay over {$150000.00} on past due payments. I finally got it completed, did my three ( 3 ) trial payments and then was sent new loan docs. I signed and sent back to Chase bank. During the time the docs were sent back, the loan was transferred to another servicing agency called XXXX XXXX XXXX. They knew of the status and kept pushing back the sale date since we were both waiting to have Chase upload the docs and then get them to them and then I can start making my payments. Roughly 5 or 6 months go by and I call in as usual expecting the sale date to be postponed once again and this time was told that it is to late and Chase told them to foreclose. This was 3 days before the sale date and they did this knowing I could not pay over {$150000.00} to get current or time to get an attorney to file anything to stop it. So myself and my XXXX children were kicked out of our home. They also mis-calculated my property taxes and then added more taxes onto the original note.
Product: Credit reporting

Experian is reporting XXXX inquiries on my credit report. I 've contacted them and the companies several times to get them removed due to being a victim of identity theft. I 've never applied for credit with these companies. XXXX out of the XXXX are n't from my request. Please find the screenshots of the unauthorized inquires. 
1.XXXX XXXX- XXXX-unauthorized 2.XXXX- XXXX unauthorized 3.XXXX XXXX XXXX unauthorized 4.XXXX XXXX XXXX XXXX-unauthorized 5.XXXX XXXX XXXXunauthorized 6.XXXX XXXX XXXX- XXXX-unauthorized 7.XXXX XXXX ( Unclear about this inquiry thought this was me checking my own credit and did n't know this was a hard inquiry )
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an erroneous credit data but I still have ITEMS left that needed to be removed. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This compliant addresses several unauthorized hard credit inquiries on my credit report, with XXXX ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX WA XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX WA XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This compliant serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for any noncompliance. This is my LAST NOTICE. Please remove the inquiries resulting from erroneous credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCTCORP OF SOUTHERN keep reporting me as owing funds to the XXXX XXXX  XXXX which the prior manager took and was fired. I have already reported this over and over. that funds were paid to the prior manager who was fired.
Product: Checking or savings account

Didn't receive terms that were advertised On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website https : //www.ally.com/getpaidWe Here are the basics of the promotion. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} of New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX If youve followed the eligibility requirements, we will pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. 
So according to the terms, 1. I opened a new Money Market account on XX/XX/XXXX using the offer code 'getpaid ' on ally bank website. 2. I transferred {$10000.00} into my new Money Market account on XX/XX/XXXX. 3. I kept the {$10000.00} through XX/XX/XXXX. I did not receive my {$500.00} bonus on XX/XX/XXXX. I still have my Ally Money Market account open. 
Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus but I didn't get the bonus as promised on XX/XX/XXXX. I contacted Ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7 business days to investigate. But I still didn't see the bonus after 7 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than XXXX people having this issue and they don't know when my case will be reviewed or how long it would take to resolve. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received my bonus.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a police report. The following accounts currently listed and showing on my Experian and XXXX credit report are unauthorized and fraudulent accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All of the credit card accounts and transactions are fraudulent and unauthorized accounts and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing my credit report with transunion checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am preparing to purchase a home, I have been monitoring my credit report thru XXXX XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit on Equifax. They have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Debt collection

FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.
Product: Debt collection

I received hourly phone calls from this Law Firm - Finally being taken off guard I answered my phone since they never left a message and I had not idea who this was. There was a man at the other end on the phone insisting that I owed monies - so I requested he go the legal route and send me something in writing, Which I received X/XX/2017. - consulted with the XXXX XXXX XXXX XXXX XXXX and was given a letter to send to them basically stating that my only form of income if my Social Security monthly and additionally the claims had been resolved by my insurance carrier. 

The harassing and threatening phone calls have NOT stopped and I am at my wits end. I did check with the BB and see they are not licensed with them for all I know they could be illegal. 

Can you help me?
Product: Checking or savings account

I opened my account late XXXX  and when I signed up for the account, I signed up for overdraft protection. There has been multiple times I have been charged for over drafting when there isn't any money account. I have paid so many overdraft fees, when I should have been protected. I talked to someone and was told to cancel my card, which I did and that didn't help. I have counted over XXXX times this has happened since my account has been opened