23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX I received a phone call from a unknown number on my caller id. They left a voicemail on my phone and then called my husbands phone and left a voicemail. 
I called and the gentleman I spoke with name was XXXX. It was a lady who had left the voicemail stating a notice of intent coming out of my county XXXX XXXX ) her name was XXXX XXXX and told if I did not respond they would move forward with action against me. 
When I called he told me it was in regards to a debt from a credit card from XXXX. I asked about the statue of limitations and he said it didnt apply to this because it was filed in XXXX. 
I told him I could settle because he told me that court costs would be over {$7000.00} in attorney and court fees and the amount owed was {$1900.00}. I said I could set up {$50.00} payments. He emailed me two documents. I signed the first one stating the conditions of the agreement and when I got to the second document to input my card information my husband had seen online that it was a potential fraudulent company. I hesitated and did not fill out the form. 
I would gladly pay the debt if it is credible law firm. But when I looked on my credit karma app, I could not see any amount owed from this citi card on my credit report from XXXX. So Im trying to verify this companys authenticity before I input any credit card information. I hung up due to my phone dying and called the local phone number that was on the webpage and that was different than the toll free number in the voicemail which this guy answered both. And he wanted to stay on the line with me while I input my credit card info. He called me and left a voicemail saying they would only be there today until XXXX and wanted to take a deposit today. But they called me again at XXXX to collect deposit. 
Initially he did not tell me what credit company he was calling to collect. I had to prompt him. I was not given any indication of a recorded line, account information ect only a 6 digit reference number. 
I did not complete the second form to turn in my credit card information. I would like to verify it is a legitimate company attempting to collect a legitimate debt.
Product: Debt collection

When Covid-19 emerge I lost my job and wasn't able to pay full monthly payments. I have sent partial amounts every month less than the amount due. The bank charged me with late fees and overdraft fees during the entire time. Even though I sent in my partial payment before required due dates. I've constantly tried to work with them on several occasions since I lost my job during Covid-19. I've repeatedly asked for some assistance in this matter and unfortunately I'm still unemployed. Also, this account has been reported to all 3 credit bureaus as a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was reported to be part of Equifax hack, where my personal credit profile and information was disclosed and shared improperly, without my consent or knowledge.
Product: Debt collection

They have reopen my case and did not send a letter advising and XXXX XXXX or XXXX has been calling me constantly non stop and leaving voicemails. I have ask him before to not call and to either email or send a letter. I have not gotten a new letter or anything but case was reopened on XX/XX/2024 and I was not aware. I had a situation where I have proof that I was facing which was eviction. I was homeless for two months and had to take care of that due to me being a single parent I had to do what I got to do. I am now wanting to go over and beyond with this company because that is totally unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low XXXX. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX https : XXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my XXXX XXXX and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX https : XXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are satisfied fully. I have requested that the loan servicer remove the credit reporting and they advised on XX/XX/XXXX that they will not remove until XX/XX/XXXX. 

The accuracy of their reporting is in question as they should 60, 90, 120, 150, and 180 delinquency, but not reporting of 30 day delinquency. Additionally, attached are 3 screenshots : XXXX 1 and 2 are from a credit report pulled on XX/XX/XXXX and the 3rd XXXX screenshot is from an older credit report from XX/XX/XXXX showing on XXXX reporting with conflicting dates and delinquency time frames. 

I'd like proof of all payments, non-payments, etc from the loan servicer as well as from XXXX XXXX XXXX. I'd also like documentation from XXXX XXXX XXXX that they requested, approved, and accepted this on XX/XX/XXXX and not before. 

I'd like all record provided from the dates of XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting

Equifax has ignored documents that were sent to them proving that XXXX XXXX does not have the legal right to report or collect on alleged debt. Equifax did not properly investigate my dispute. XXXX XXXX lies to Equifax and they allow it. I sent in proof but Equifax did not take it in to consideration. Instead they ask XXXX XXXX if it is correct and XXXX XXXX lies and says it is. XXXX and XXXX both removed the trade line from my report as they acknowledged that XXXX XXXX had no legal claim.. XXXX XXXX has also lied to the CFPB in a separate dispute that I made directly against XXXX XXXX. I am not protected. Equifax has allowed Ad astra to violate my rights. I am a resident of Texas and XXXX XXXX clearly violated Texas XXXX. I sent in proof and it was ignored. I have attached a timeline and evidence that XXXX XXXX did not comply with Texas law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. I use to live in XXXX  10 years ago I have been in XXXX FL since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. Never opened these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.
Product: Money transfer, virtual currency, or money service

I am filing a comp, ain't against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Act ( CFPA ), Specifically, Cash App to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution measurements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Debt collection

experian has an account for XXXX XXXX XXXX that is not mine on my credit file in the amount of XXXX i have sent in dispute letters on XX/XX/2021 and have not gotten a response back
Product: Credit reporting or other personal consumer reports

In XXXX, I set up credit freezes for my XXXXXXXX XXXX daughters. During the summer of XXXX, I started helping my oldest daughter, now age XXXX, to get credit freezes removed. XXXX and XXXX responded promptly. TransUnion has been problematic. After reading this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that others have experienced a similar frustration with TransUnion, I decided to submit an official complaint. My daughter has repeatedly reached out to TransUnion by phone, email, and on the company website. She has been unable to access her online account. She has provided the requested proof of identification to TransUnion multiple times and followed up multiple times. She has had no response, and she is still unable to access her online account or speak to anyone who will help get this freeze removed. She has been told tech support would follow up with her. They have not. For a process that should take minutes, we are now MONTHS into this request with no response or resolution from TransUnion.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

got charged for XXXX dollars as an " adjustment payment '' for no reason I talked with several online customer services but they all claimed that this was a wrong charge and the money was already back to my account, but my statement for XXXX was XXXX dollars and it became XXXX dollars for XXXX. I only made XXXX dollars in purchasing items, the " adjustment payment '' is definitely not returning to my account And also, everytime I would receive a notification claiming that I've already successfully made the payment for the payment cycle, but then several days later I would receive another notification telling me that the payment is actually not successful and I would still be charged for XXXX dollars as late fee. why?
Product: Credit reporting or other personal consumer reports

Due to my personal and financial information was sold and bought illegally because of my being a victim of XXXX XXXX XXXX, I am requesting all items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remove these items. Please help me get these illegal accounts from my credit reports.
Product: Mortgage

chase has provided XXXX different responses to my escrow inquiry, I agree that there should be a shortage because taxes and insurance has increased, but not a shortage of XXXX dollars. Please advise what has happened to the XXXX dollar credit when was that applied to my account you mentioned that in your last letter. Please advise what happened to my payments that were held in suspense. Please advise if you added the Escrow payment amount into the trial payment calculation and then why did the payment change, and if you put the balance back into the loan. Why do I have to pay it over again. It appears that I 'm paying the you and taxes and insurance over again. I just want a final balance amount of what I owe so that every year there is n't an increase unless Taxes and insurance increase. I do n't have a problem with the increase in taxes and insurance ... that I understand.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transition is reporting a balance due to XXXX of {$4200.00} while no balance is due. I spoke with XXXX on XXXX/XXXX/16 and was told that they have reported to all credit agencies that no balance is due and recommended I file a complaint against Transunion as it is their error. Both XXXX are reporting no balance due.
Product: Credit card or prepaid card

CapitalOne offers a referral program, where if you provide a referral link to a friend, and they are successfully able to open up a credit card with Capital One, the referer is awarded {$100.00}. 
In XX/XX/2022, I referred a friend, XXXX XXXX, to open up a CapitalOne Quicksilver card via a personal referral link generated by CapitalOne. However, I never received the stated bonus. 
In early XX/XX/2022, I tried calling CapitalOne customer service about this issue to obtain more information, but they simply told me to wait. It has been another 2 weeks and it has been nearly 60 days since XXXX XXXX XXXXXXXX opened the credit card, yet I still have not received a bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

I applied for an application but was declined, however the company is refusing to provide a reason in violation of XXXX. I need to know why my application was denied.
Product: Debt collection

In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with XXXX. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was Second Round LP. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from Second Round and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX XXXX called phone number XXXX or XXXX or XXXX. Stated I had a complaint submitted against me from Capital one. Said that Capital one charged off an account of mine on XX/XX/XXXX. I currently have a capital one card in excellent standing. I called capital one at XXXX and XXXX at capital one verified I do not have a charge off with them. I called XXXX at XXXX XXXX XXXX XXXX back on XX/XX/XXXX and gave her the information from capital one and she stated she would call and would call me back. Today XX/XX/XXXX I received another voice mail from XXXX XXXX from XXXX XXXX XXXX XXXX when I called back they state that I I still owe this debt that they will not contact Capital one and that I can figure it out when they bring legal action against me. She then proceeds to hang up on me. The last four digits of this account that XXXX XXXX XXXX XXXX said it wasXXXX. When I spoke with Capital one they verified the last four digits of the only previous account I had with them was XXXX. XXXX at Capital one felt this might be a scam and had me send an email to XXXX. Which I have done
Product: Debt collection

Cavlary posted a collection account on XX/XX/XXXX but I never received any notification of this debt prior to them placing it on my account. In XX/XX/XXXX I discovered it on my report and I have made numerous requests for this to be removed from my credit reports. I received no debt validation, and they refuse to contact me. Their contact information is incorrect on my credit reports, and they have completely failed to validate my debt, despite numerous requests.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit card or prepaid card

My outstanding balance of {$1000.00} was due on XX/XX/2022. 

On XX/XX/XXXX, at XXXX am, I submitted a payment of {$1000.00}. record shows it was processed on XX/XX/XXXX. 

On XX/XX/XXXX, without my consent the TD credit card, processed another payment of {$980.00}. 

This led to a chain of events cause me financial and XXXX pains. It started with over draft fees, maintenance fees, interests for other credit cards companies, and penalty for nonpayment for other credit cards companies. 

In addition I spent more than 10 hours, on the phone with the bank, TD credit card and other credit cards companies to contain the harm that was done by TD credit card. 

On XX/XX/XXXX, I filed a complained with TD credit card and requested that they cover all the fees and asked them to provide me with a response by mail. I didn't receive any. 

On XX/XX/XXXX, I contacted TD credit card and requested update. I was informed the issue was resolved. I explained that I didn't receive any response and I don't know what they mean by " resolved '', they informed me that the payment of {$980.00} will be transfer to my future balance. 

I explained to them the disaster chain of events they created and requested the following : 1. apology letter 2. {$500.00} compensation for my time and the pain I experienced XXXX. {$100.00} to cover the fees that was created by their action. 

I informed the associate that TD credit card has until XX/XX/XXXX to response. 

The company denied all my requests. I asked them to provide me with the government agency that oversee their company, the person I spoke with requested to consult with her supervisor, then she informed me they don't have any info about any government agency that oversee their company. She said I could contact the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account has been disputed and removed once for errors and it keeps showing up on my reports.