23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

at the beginning the payment was too high the payment was at XXXX a month me and my dad we do make that amount but it would take every thing we have also I have been tiring to remove my sister of the loan the XXXX co said it could if the loan was current but that is a problem we are both working part time and on social security the bank told me to have her give paystubs and other documents of hers but she will not sign she feels should not have to because is not living in that home please let me know if you can help me the loan was with a different bank at the beginning and was transferred over when the other bank had the loan they said I did have to use her name if she was not contributing or not living in the house but the new bank said I still do is there any way to still go and by pass her off thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions 15 use 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to obtain 2 of 3 online credit reports promised by your company in spite of the fact that I provided all the necessary privacy information requested. In addition, in order to obtain my free annual credit report via mail, I was required to submit highly sensitive personal and financial information in hard copy form through a much less secure and accountable system, the US Mail. 
I am extremely frustrated and disappointed in this service and I feel I have been victimized by a faceless and anonymous entity committed to defrauding the consumer through the promising of a free and vital service only to be made vulnerable to a well-established network of highly skilled and nefarious entities who prey upon the trusting and nave. 
Recognizing that my complaint will fall upon non-existent ears, and that I am pleading my case to a system committed to self-preservation through the continuation of the suppression of the voiceless and marginalized I fully intend to publicize and vocalize this complaint to all regulatory bodies. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm trying to use the app. XXXX to maintain money and help manage bills.
Product: Credit card

My credit card has been blocked by Elan Financial Services team around XX/XX/2024 when I called card service to activate XXXX pay. Since then I've called the service several times and was told by their representatives that I had to wait for a call from XXXX of their reps to authenticate me before the card could be reactivated. I have then requested to permanently cancel the card which was also denied for the same reason. I am not even able to pay the balance online ( {$1700.00} ). 
This situation is unacceptable. I just want to pay the balance and close the account and they are preventing me from doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against the 3 credit reporting agencies of XXXX, Experian, and XXXX for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX  under account number XXXX improper reporting incorrect or invalid information violates the FCRA and due process XXXX federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both XXXX and Experian are reporting the high balance on this account as XXXX. Contrary, XXXX is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both XXXX and Experian are reporting date of last activity as XXXX. Contrary XXXX is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both Experian and XXXX reports are void or missing Date opened. 4. Also, both XXXX and Experian are reporting date of last payment as XXXX. Contrary, XXXX is reporting Date of last payment as XXXX. Both dates can't be correct. 5. Also, both Experian and XXXX are reporting completely different payment history as to days late on two year payment history calendar. Experian reports 30 days late in XXXX of XXXX  and XXXX reports 60 days late in XXXX of XXXX. Experian again reports 60 day late in XXXX of XXXX  and XXXX reports 90 days late in XXXX of XXXX. Then Experian reports 90 days late in XXXX of XXXX  and XXXX reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then XXXX report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments Experian says the consumer has XXXX 90 days late compared to XXXX reporting the consumer had XXXX 90 days late. Both differ and both can't be correct. A copy of the consumers smart credit 3 bureau report is included in this complaint for review so all errors can be seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX XXXX XXXX credit card and their inaccurate reporting of my account to the credit bureaus. 

I have submitted multiple complaints to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of which have been changed to reflect 60 days late for XX/XX/XXXX, then gone to 30 days late, then gone back to 60 days late. None of the investigations are taking my submitted information and proof of payment into consideration to see this reporting is incorrect. My payments are due on the XXXX of every month. I paid XXXX payment on XX/XX/XXXX. Which was late but not 30 days late. XXXX still reported this to be 30 days late. I sent Equifax proof of my payment date along with proof of my payment from XXXX on the XXXX. 

I have also contacted XXXX credit card on XX/XX/XXXX and spoke with an account manager XXXX, who looked into my account and said ON A RECORDED LINE that the reporting was inaccurate and she was putting notes on the account to have the 60 day late reporting changed and sent to the bureaus as well as waive the late fees on the account. This was on XX/XX/XXXX and she stated that XXXX was to be reporting on the next day on XX/XX/XXXX. She also stated that she didn't know when the bureau will update the information but that XXXX was sending the corrections. I also asked her to send me a hard copy letter stating this information, sash said she was having this letter sent. 

I have waited for the next update of my credit report from Equifax and nothing was changed to reflect the new information. I called XXXX Bank on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX, who again reviewed my account and said she sees where the late fees where waived and a letter was sent but can not see what else was discussed. I asked to have the phone conversation pulled to confirm the conversation snd the promise I was given b XXXX on XX/XX/XXXX. She put me on hold to see if a manger could review the call. After a few minute wait she said she was told that she needed to put in a complaint request to have the call log pulled and reviewed. My complaint # is XXXX and I was told that a manager will call me back within XXXX days. 

I went on my Equifax report again today and it is now again changed to reflect 60 days late for the month of XXXX of XXXX which changed from the previous 30 days late from the last investigation 10 days ago. This is a nightmare and there is no one to get ahold of at Equifax. The phone call just keeps going around and around with no way to get anyone on the phone. XXXX is giving me the run around and at the end of the day it is the consumer who is paying the prove for 7 years. 

Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) Equifax investigation XX/XX/XXXX ( # XXXX ) XXXX phone conversation log to be pulled for XX/XX/XXXX XXXX complaint request XX/XX/XXXX ( # XXXX )
Product: Credit card

Being charged late fees when multiple payments were made during the month and once was before due date. Several times this yr I have made payments during the month that are being credited for the previous month. This has caused my payment for the current month to be late. Example in XXXX I made a payment that was accredited to XXXX because the payment was mad XXXX XXXX. Also in XXXX I made a payment on XXXX XXXX and it went towards XXXX, meanwhile I made a payment XXXX XXXX that went towards XXXX however I still got a late charge for XXXX. My XXXX Payment was made on XXXX XXXX however if I dont make another payment I will be considered late in XXXX. If this issue were clearly explained at any time, it could have been corrected months ago. I am certain Chase Credit card company is charging many people multiple late fees when payments were made more than once a month but considered late due to date received.
Product: Debt collection

Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with Halsted or XXXX Financial Services has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.
Product: Debt collection

On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. Pressler and Pressler was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.
Product: Credit card or prepaid card

on XX/XX/18 from approximately XXXX XXXX to approximately XXXX XXXX I was repeatedly emailed, called, and texted by numerous employees of American Express regarding my account. I spoke with at least 5 individuals none of whom would provide me with a clear and concise explanation of their reasons for contacting me. Each individual asked me multiple questions over and over again only to transfer me to others who repeated the same questions looking for more and more information. In short I provided my name, credit card number, address, pin number, social security number, telephone numbers, and other information over and over again without learning why they were questioning me. I spoke with a manager named XXXX XXXX ( call # 3 or 4 ) who transferred me to a representative named XXXX who refused to provide her full name for this complaint. When I asked for her full name she hung up on me. Since XX/XX/18 to today I and my wife have received emails and phone message to call American Express that provide no way to respond except by contacting a general customer service which is what led to this complaint in the first place. Apparently American Express feels they can bully senior citizens with these tactics. I have been a cardholder with this firm for XXXX years which breaks down to at least XXXX   monthly bills paid in advance of due date. Never in XXXX years have I failed to pay a bill on time in full.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/2022, I woke up to an alert from the credit agency a collection account had been put on my report. I notified Equifax, since its only reporting to them, of the account is a fraud account, I disputed the account online and several times on the phone with multiple agents who do not want to be bothered. they clearly see I am a fraud victim. I notified the company that put the collection account as well. I was told by Equifax I had to wait 30 to 45 days to complete. I do not feel this is right reporting inaccurate information on a fraud victim. The fraud department said it would be removed within 24 hours from Tuesday. It has not been removed they give me the run around they throw me around to different departments back and forth. they do not want to be bothered with the fact, yet another fraud account has hit my report. I pay for memberships ; I lock and freeze all agencies so no one can add fraudulent information. Since Tuesday the XXXX I have been spending hours on the phone with Equifax trying to get this resolved. I am asking to remove this collection account, as I already spoke to the collection agency as well advised it was fraud and to remove this account. it is not my account ; Equifax has the documents sent in that this is not my account. Please remove this account from my report as it is not my account and does not belong on there.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVED I implore you to promptly address the fraudulent inquiries on my credit report, as they were not authorized by me and are causing me significant distress. I did not initiate or approve these accounts, and it is unjust for me to bear responsibility for them. Please take urgent action to rectify this situation.
Product: Debt collection

AMSHER Collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collections notices in the amount of {$1700.00} the collection has been reported as a past due balance. I do not know this company.i have never done any business with this company, and this company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX  XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 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

Ive recently went over my credit report and I noticed that there are late payments reporting on XXXX, TransUnion, & XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They are in clear violation
Product: Debt collection

XXXX XXXX has been requested numerous times to provide documentation such as signed contract or agreement to which is claimed to be delinquent. 
I have disputes with credit agencies with everything removed but Equifax collection Equifax has responded as verified with documentation that I have no clue has anything to do with the delinquency claimed. 
I have no agreements with XXXX XXXX or XXXX Any previous agreements with XXXX in the past have always been paid in full in advance. 
Equifax response in file attached
Product: Credit reporting

I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Equifax of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX Account Numbers and Agency ( s ) : XXXX XXXX
Product: Mortgage

XXXX of XXXX I applied for a Home Equity Line of Credit that was approved. Part of that HELOC required that I pay off the PACE loan on my home. When the HELOC provider paid the PACE loan they also paid the XX/XX/XXXX property tax bill. The following day my 1st Mortgage with Select Portfolio Servicing paid the same property tax bill. XXXX County Tax Collector mailed the duplicate payment back to Select Portfolio Serving on XX/XX/XXXX. Select Portfolio Servicing has verbally confirmed they have received the returned property tax payment. It does not show up in my escrow balance. I requested on XX/XX/XXXX to close my escrow account to try to get this over payment back. The escrow department has confirmed they sent the check to the cashier department XX/XX/XXXX. I have called Select Portfolio Servicing 6 times to get this money refunded. Every time i call i get the same answer : " I have emailed the escrow department to have them look into this and no sir we are not allowed to call the escrow department '' .Currently the refund of the property tax payment is {$8200.00} that i have not received back and the balance in my escrow account that was closed on XX/XX/XXXX is {$3300.00}. Select Portfolio Servicing is telling me they will not send my escrow balance until XX/XX/XXXX but that will only be the {$3300.00} and no one can tell me when i will get the refunded property tax part. The customer service people are very polite but don't get anything done. Can someone please help??? 

I have spoke to XXXX, XXXX, XXXX, XXXX, and someone the the last name XXXX as Select Portfolio Servicing. Can at least one of them do their job???
Product: Money transfer, virtual currency, or money service

We Accidenlty make a direct deposit into a moneylion app and since we've had fraud and likey scam call us and since we've been locked out of our account with little help on allow to proceed forward with getting back our money and account. I've called a number of times for them to throw me through the same auto response telegram. And further more our account was just lock now we're afraid it's deactivated and deleted
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian via Certified Mail Return Receipt ( # XXXX ) regarding an entry from XXXX XXXX XXXX/XXXX  XXXX XXXX on my credit report ( see attached, including return receipt ). 

This was my second dispute regarding this inaccurate entry. 

My letter indicated that on XX/XX/XXXX, I wrote to XXXX XXXX via Certified Mail Return Receipt ( # XXXX ) asking for validation of this entry under FCRA Section 623. XXXX signed for this letter on XX/XX/XXXX but did not reply ( see attached ). 

I enclosed a copy of my letter to XXXX, along with a copy of the return receipt for same. 

On or about XX/XX/XXXX, I received a notice from Experian dated XX/XX/XXXX that indicated they had " previously processed this dispute '' and will not reinvestigate ( see attached ). 

They asked for " additional relevant information, '' which I had already enclosed with my previous dispute, and explained that they had not considered my dispute of XX/XX/XXXX at all. 

This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED CREDIT CARD ACCOUNTS IN MY NAME. THE CARDS ARE AS FOLLOWS : XXXX XXXX XXXX  XXXX XXXX XXXX BANK, XXXX XXXX XXXX XXXX, AND XXXX XXXX