23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am victim of a data breach and identity theft that has impacted my financial information as such I request that you block and delete all accounts related to the following collection agencies from my credit report pursuant to my rights under 15U.S.C 1681c 2 ( a ) ; XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX 
account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX & Account number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number ; XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XXXX. 
account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

This is not complaint but plea for help by waving interest fees I have a Best Buy account thru Citi Bank, I have made promotional purchases before the Covid pandemic hit the US. I do XXXX XXXX XXXX, since there were no events for more than a year now I have not worked. During that time I and also i have become XXXX and had a back XXXX. Right now I am on SS assistance, I would like to ask XXXX to take off the finance charges and not to apply new promotional interest charges, so I can pay back the amounts i owe for purchases with out going delinquent on this account.
Product: Mortgage

Freedom mortgage is purposely throwing out 3rd party authorizations to receive payoffs, causing interest rates locks to expire costing customers money, and time, as well as paying extension fees, and in todays environment those interest rates can no longer be locked, and the borrower is stuck with higher rates simply because Freedom Mortgage refuses to honor payoff requests. 
Anecdotally speaking I spoke with one of our customers and she said as soon as Freedom heard about the refinance, they started calling her non-stop to refinance with them. Today XX/XX/20 I've been placed on hold for 68 minutes only to be told they never received the request. and blaming the virus, in XXXX they couldn't find the request, and then suddenly they found it after numerous calls to them, but today I asked a supervisor at Freedom what the reason was in XXXX, and he stated it was the interest rates were low, and they were understaffed.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

On XX/XX/2019 I switched from cell phone companies. My new cell phone company was XXXX XXXX and I was no longer an XXXX customer. On XX/XX/XXXX I did receive an email from XXXX   in which they charged the month of XXXX. It was XXXX dollars. A couple of days later, I made a call to XXXX to ask them about the bill. One of their representatives checked my account and told me that they made a mistake. Days later, they put the money back into my account. A month after they emailed again. For the second time, they charged for the month of XXXX. Again they took the money from my bank account. I called them again and explained my problem. The lady apologized for the issue and told me that she would refer the case to the right department. This time she closed the automatic payment from my former account. She told me that I had to pay XXXX for one day with the service. She then processed the payment and told me not to worry about the issue. The next day the money was backed into my account. Four months later I received a letter from Credco a collection company. They informed me that my account was in the collection. I could not believe that this was happening. I called XXXX one more time and spoke with another representative. He did check my case, called his supervisor and apologized to me again giving me the same story. I did ask for a letter or email as my evidence but they refused. Still today I have my former XXXX account in collections.
Product: Debt collection

The person or company, Harris and Harris keep calling us by leaving a message for us to call them. They do this almost every other day and we have blocked their number yet they keep calling us from the same number that somehow becomes unblocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is fraudulent and its hurting my credit report, delete immediately due to identity theft. attached is FTC report. 
Delete this Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX Delete this account XXXX XXXX XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.
Product: Checking or savings account

On or about XX/XX/2021 Robinhood Financial experienced a massive data breach. On or about XX/XX/2021 and XX/XX/2021 approved and accepted my government issued IDs. On or about XX/XX/2021 Robinhood placed a restriction on my account preventing access to my funds and trading privileges. On or about XX/XX/2021 I received an email from Robinhood stating they were reviewing unauthorized activity I had reported concerning my account. 

This is a false allegation. I did not report unauthorized activity to Robinhood Financial concerning my account. 

Robinhood Financial denying access to {$6000.00} in my account has caused me to experience great financial and emotional harm. 

Robinhood Financial actions has caused me to experience great credit history injury with the major credit bureau agencies
Product: Debt collection

XX/XX/scrub>XXXX XXXX  I notice I start receiving calls from this company called LVNV funding LLC, about a dept that I owed from XXXX XXXX XXXX XXXXXXXX for {$1200.00}, this company has harassed me the whole year about a dept that has been charged-off and closed but is still reporting on my credit as an open account! I have gotten multiple calls, emails, and text from this company which is harassment!!! I have contacted the company and even sent a cease and desist letter to each credit bureau about the company, I ask that all communications stop and this dept collection be removed from my credit file under the United States Code 15 USC 1692 ( C )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a collections account was paid in full/closed. It is my understanding that the credit bureaus have between 30-45 days to remove the derogatory information from my report. On or about XX/XX/2020, both XXXX and XXXX  had removed the derogatory information. As of yesterday, XX/XX/2020 ( day 45 ), Experian has still not removed the derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Experian on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected or deleted from my file. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violet my rights. 

15 U.S.C. 1681 section 602A. 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: Prepaid card

I purchased 3 Visa gift cards a month ago. The cards never worked to make purchases. I filed a CFPB complaint XX/XX/XXXX for the cards. Last week, I received a letter from Incomm, addressed to XXXX XXXX of XXXX XXXX, California. It appears he was having the same problem as me, but Incomm mistakenly mailed his letter to me. This must be a widespread failure the company refuses to correct. 

I tried to use the three cards today. Two of them worked ; one declined all transactions I attempted. The company simply refuses to fix their problem with these cards. It is undoubtedly pocketing large sums of money due to people being denied access to the funds they load to these cards.
Product: Credit card

Account closed on XX/XX/XXXX, XXXX i would like to remove it from my credit report.
Product: Debt collection

I am extremely disappointed to inform you that the information on my credit report is incorrect and lacks sufficient evidence to verify its accuracy. The discrepancies identified could significantly impact my financial future, and I am writing to formally dispute and request the immediate removal of the inaccurate items from my credit report. Upon reviewing my credit report, I have found discrepancies related to the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have previously requested verification of these items. However, the information provided has been insufficient and inconclusive. I have lost all patience with the credit bureau 's lack of responsibility and accountability in reporting accurate information under the Fair Credit Reporting Act ( FCRA ). I demand that you conduct a thorough and immediate review of these disputed items and, in the absence of adequate verification, proceed to delete them from my credit report. Failure to comply with my request will result in legal action against the credit bureau and any other party involved in reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau po box 27170 Washington, D.C. 20529-7170 Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding a specific issue, e.g., inaccuracies on my credit report, unfair practices by, Experian Credit Reporting Agency and my case involves the following details : Complaint : Experians refusing to remove an address that I never resided at I've disputed this address 6 times.5 XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX.on XX/XX/year> it was removed. few hours later they reinserted it back on my consumer report. I uploaded the proper documents. My Driver 's license with my address on it, also a copy of my Electric Bill.i have screenshots showing that it was removed. Under the FCRA law once a item is deleted reporting agencies are not aloud to reinsert information.tjats a violation of the FCRA. 

I believe that my rights as a consumer have been violated, and I am seeking assistance from the CFPB to address this matter. I appreciate your attention to this serious issue and hope for a prompt investigation. 

Thank you for your support in ensuring fair treatment for all consumers. I look forward to your response. 

Sincerely
Product: Checking or savings account

Depositing {$180.00} back into my joint account. 
XXXX withdrew these funds from my account and I never owed TD bank any funds for any opened accounts or previously closed account. The branch needs to be under further investigation to figure out who is doing what to my account. I am requesting for the branch to look up team members employee # 's and backoffice employees # and last but not least tellers, personal bankers and branch managers from the XXXX XXXX  XXXX. This is the second time they deducted funds from my account and it's unacceptable.
Product: Credit reporting or other personal consumer reports

Disputed XXXX because the account is reporting erroneous information. Provided proof EXPERIAN ignored the information.
Product: Checking or savings account

My account was frozen due to a report submitted by a customer from a payment sent to me via the XXXX application. Capital one then proceeded to freeze my accounts with no resolution on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  2021 XXXX XXXX XXXX XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX, 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.
Product: Mortgage

mortgage # XXXX Bank of America I had problems paying my home equity line of credit after the initial time period ran out. i asked for a modification from B/A. ( XX/XX/XXXX ) They have been delaying and procrastinating on my modification for over 2 years now. I have had all sorts of crazy letters some told me to disregard, and one day it is denied and the next it is in appeals and the next it needs paperwork. FINALLY after many arguments with the case workers, i was offered a modification.- upon looking at the modification, I called the bank as they put escrow into it and i had told them 100 times i pay my own as my first mortgage is paid off. They refused to do the modification without the escrow. Finally after agreeing to take it off, I was told that i should make the payment with the escrow amount not in it. I made the 3 trial payments, then when i was trying to make the 4th payment, ( See additional complaint file here ) the rep took out 8 payments immediately ( by mistake ) which totaled over {$3000.00} This amount overdrew my checking account and as a result, the overdraft was taken out of my savings, depleting it and bouncing checks. I had to borrow {$500.00} immediately to cover the other checks. One bounced but B/A finally returned the bounce fee and returned the 8 payments. afterward i attempted to pay the 4th payment of the modification at which time they refused to take the payment without the escrow. Then in XX/XX/XXXX they sent another modification, i called on that one and was told do not make a payment until the escrow amount is taken off the amount. Finally after talking to about 10 different people, i was told to sign the new modification and mail it back. By this time it was XX/XX/XXXX ( it was supposed to be returned by the end of XX/XX/XXXX) They said it was ok to get it back late. I returned it and after several days, i got a notice that i was denied. I asked why they gave me several reasons, no flood insurance, no homeowners insurance, the date was XX/XX/XXXX instead of the way they wanted it to be.The latest after i spoke to XXXX was that i need to pay 3 months back from the time they told me NOT to pay until i get paperwork and they can restore the modification. I am uneasy as the LAST statement said I was denied. I asked them to give me NEW paperwork indicating that I do have a legal modification and I will start paying that amount when I get the new paperwork. I do not have the past 3 payments as they told me not to pay and I used that money as I was told to pay when i get the paperwork. My solution which i have called about several times and in fact tried to call Mr. XXXX XXXX Regulatory complaint dept. XXXX and he does not call me back during the hours i am at home. I want an updated modification with the amount of payment starting from the next month along with the amount not including escrow. I would appreciate any assistance you can provide. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/XXXX I've been a victim of Identity theft I also was robbed of my Identity when I was moving out of a home in XX/XX/XXXX I filed police reports about both incidents so I been disputing inaccurate information that's being reported on my credit report by all 3 beaus and they refuse to remove them from my report I've disputed also with the creditors and they have not responded to my disputes. Bank accounts has been opened in my name with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, accounts with XXXX XXXX, XXXX, XXXX and XXXX I've disputed all these accounts and I reported Identity theft with the FTC, XXXX XXXX and XXXX County Sheriff Offices, You guys are my last result before I lose my mind about this so please help me to resolve these issues an remove the from my credit and Banking reports.
Product: Debt collection

This company keeps calling and harassing me. I have absolutely no valid outstanding debt ( s ) within the past seven ( 7 ) years that has not been paid or disputed and deleted on my credit profile ( s ). When this company calls, they are rude, will not advise why they're calling or who they represent. I ask that this company seize all communication attempts to me. They have called me six ( 6 ) times in the past 30 days and they have no valid reason to be contacting me.
Product: Bank account or service

Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to go get a student loan as I am a current XXXX senior in college and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX Firm to help me in the event that I need to file paperwork with the XXXX County Court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX Bank XXXX XXXX XX/XX/year>
Product: Credit card

All of my bank accounts at Chase had the money transferred without my knowledge to different accounts leaving me with a {$0.00} balance in every single account I had with Chase. My credit card account was changed including updating my email and asking to have a fraud alert added to the account. Chase then proceeded to notify a XXXX party who was committing fraud on my account of my new information causing continued distress and financial loss.
Product: Debt collection

I paid a settlement amount to pay this loan off. I also paid to have it removed from my credit report with the letter they provided me stating it was paid and has a XXXX  balance. It was removed and Portfolio put it back on my repot for the remaining balance.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a formal complaint regarding an incorrect debt entry on my credit report with XXXX. The debt in question is listed under the name " XXXX XXXX, '' but my legal name is " XXXX XXXX. '' Due to this discrepancy, the debt does not belong to me and should be removed from my credit report immediately.

The account was reported by XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX. This inaccurate information is negatively affecting my credit and is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain accurate and reliable information. Incorrect names, even with slight misspellings, result in an inaccurate credit report and must be corrected.

Details of the Erroneous Account : Debt Holder : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$2200.00} Date Opened : XX/XX/year> Address of XXXX XXXX XXXX : XXXX, CA XXXX I have disputed this matter with XXXX but have not yet received a satisfactory resolution. The incorrect name makes it clear that the debt is not mine and should not be associated with my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I bought a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX Despite this, XXXX XXXX XXXX XXXX bank conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXX XXXX XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.
Product: Debt collection

FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.