23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Credit card

Reference previous report # XXXX XX/XX/XXXX received letter from XXXX  requesting access to my XXXX  credit report. Because u did not apply for a XXXX  card. Suspected fraud. Contacted XXXX  services and denied applying for card. XX/XX/XXXX. Received letter from XXXX  letting me know this was fraud and should file police report and report to FTC. On XX/XX/XXXX and XX/XX/XXXX payments from a fraudulent XXXX  XXXX  account was made to my Discover credit card. 


Company responded on XX/XX/year> We spoke with you by phone on XX/XX/year>, and you advised that you do not have access to the checking account or routing numbers that the payments to your Discover card came from. Without this information, our Fraud department would not be able to investigate the accounts. We can not speak on behalf of Discover Card and suggest you contact them directly to report any fraudulent payments or transactions. 

I have obtained the routing number and account number from those who provided fraudulent payments. 

Is strongly believed the attempt to apply credit from XXXX XXXX and these fraud payments were made by same person. 

Routing # XXXX Account # XXXX See provided documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX and Transunion that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

ICE WEOTE THIS COMPANY SEVERAL TIMES ASKING THEM TO LOOK INTO THES WRONG CHARGES THAT ARE NOT ACCURATE, I UNDERSTAND THAT XXXX XXXX AND XXXX ASSUMED A VITAL RILE IN CREDIT REPORTING AND ARE NOT ADVOCATING FOR THE CONSUMERS, IT HAS BEEN SEVERAL KINTHS AND IVE YET TO HEAR A RESOLUTION I ASK YOU FOR YOUR HELP AND PRAY YOU DELIVER THANK YOU
Product: Checking or savings account

On XX/XX/XXXX at about XXXX in the evening, I went to the ATM machine to make a deposit. The atm machine did not print any receipt for the transaction, and I took a photo of the screen. After checking my balance, the {$250.00} cash which was deposited at the atm machine was not credited to my checking account. Because it was a holiday, I could not call customer service right away. When I contacted them by electronic form, they ignored me. I was able to get someone one the phone when business reopened. My concern was again ignored, and my call was almost disconnected. I asked for a manager and the customer service rep refused to transfer me to a manager. I was placed on hold for a very long time. Eventually, they credited the {$250.00} in cash which had been deposited. However, they told me that the intended to leave open the claim for a reversal at their discretion. This transaction was very concerning. I am still being threatened with claim reversal today. 

The next problem with this account was a transaction for {$83.00} which was processed on XXXX XXXX. This was paid to XXXX. I checked all of my online shopping accounts, email, and phone, there is no order, no shipping, no item which was received for a value of {$83.00} anywhere. The bank has responded that they believe they have psychic ability to know that I have completed such an order and that the items are in my home. I responded to them with receipts for every appliance in my house, anything which would be of that value that I had been shopping for on the internet. I have no such item. No such item was sent to me. The applied an initial claim credit, then they reversed it and I have been charged twice {$83.00} for an item I do not have. They were excessively abusive when speaking with them about this issue. 

The next problem and an obvious error to my account was today. I don't believe these are errors at this point. It is intentional and it is excessively abusive by the bank. I have an account which I set up in person with the banker. My debit card is set to reject any transactions presented against an insufficient balance. There is an automatic denial of the transaction, and there is no fee. The bank used their discretion to override these setting on my account, and I was charged an additional {$34.00} for a transaction after the funds were low because of the {$83.00} incident. 

My child has also experienced abuse as a result of the balance at the bank. The account has been checked and information shared with someone who uses the children to resolve deficiencies at the banking institution. There is an abuse occurring which I can not quite put into words regarding my checking and debit account. We have also been threatened for disputing the transactions which are not mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint is about an advertisement that a client of mine received from C & E Financial Group Inc. They are quoting him a VA IRRRL for a 30 year fixed rate with a rate of 2.75 % and an APR of 3.09 %. Anyone in the mortgage business knows this is a classic bait and switch tactic. There have been no institutions offering an APR this low for years on a VA IRRRL. To a lesser degree, they are also waiving his escrow refund as a benefit back to him when they are going to increase his loan amount to cover a new escrow account. They are showing an estimated escrow refund of {$2600.00}. The annual taxes are under {$1300.00} per year and the insurance is less than {$600.00}.
Product: Credit card

For the second time this year, my Capital One credit card has been compromised by a breach in a merchant system. In the first instance, I asked if Capital One could give me additional information for my own protection, as I would like to make a decision about whether and how I continue to do business with a merchant with potential security issues. They refused, citing an " ongoing investigation. '' Due to the circumstances, I was able to determine the merchant on my own ( family and friends ' cards were compromised as well ), and I was eventually notified by the merchant. I never received additional information from Capital One. This same problem has happened again, and while I realize there may be extenuating circumstances that need to be sorted out, I believe it 's a consumer 's right to know the identity of a company whose security was breached, potentially impacting their personal and financial information. Capital One informed me today that it is the merchant 's decision whether or not to make the information public and notify customers. What are my rights as a consumer in this circumstance?
Product: Student loan

Keybank-I filed for bankruptcy XX/XX/XXXX and the loans were not part of it. Bank refunds payments. I call them and they say that they reviewed the loan and decided they would discharge it as a result of the bankruptcy XX/XX/XXXX, but XX/XX/XXXX. They did not contact me because it would seem they are trying to collect on a debt that was discharged. I told them I did not request that and why this was done. They told me that 's all they could say. Credit report says transferred to recovery ; claim filed with government. Is there anything I can do? I have n't missed payments ever. It makes no sense as this is something I owed and kept payment.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 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 XXXXXX/XX/XXXX Equifax EQUIFAX/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 XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax 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 XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was never properly served continuing writ of garnishment. They served my employers attorneys in another state. I was never served any paperwork and this was a time sensitive case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern there seems to be a lot of inaccurate information on my Experian file. I signed online on XX/XX/2019 to check and see if everything was accurate. according to what it says my report number is XXXX Here are some of the things I have noticed to be inaccurate on my personal information I never lived at XXXX XXXX XXXX or XXXX XXXX so I would like those 2 removed from my file as I am unsure where those addresses even came from. 

On my social it shows 3 different ones only one is accurate the ones ending in XXXX or XXXX must be some type of fraud someone tried to do at some point in my life. The one ending in XXXX is correct. 

Hard Pulls that were never authorized by me nor do I recognize that I would like removed as soon as possible as it's not inaccurate potential fraud because I never approved of the following XXXX XXXX   XX/XX/2019, XXXX XX/XX/2019,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Consumer Loan

key bank is falsely reporting late payments to the credit companies. 
bank 's payment history does not show late payments. 
I am unable to get credit due to these false reporting from key bank. 
every time I call key bank to complaint they ask me to pay extra, they said that will fix the problem, and it repeats again and again. 
please have them correct to no 30 days late as per payment history which they send to me. 
also have key bank credit me back all the late fees which are charged by mistake, incorrectly. 
thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit report contains multiple unauthorized inquiries and a fraudulent XXXX XXXX XXXX account that I did not open or authorize. 

Despite previous disputes and the submission of an FTC Identity Theft Report, these errors persist. The fraudulent inquiries include : XX/XX/XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

XX/XX/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. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX, which is reporting the account as past due. However, I have documentation and notifications indicating that this account was closed and charged off without my prior knowledge. 

I believe this information is inaccurate or incomplete for the following reasons : 1. I was not notified that the account was closed and charged off, as required by law.

2. The reporting as past due does not align with the notifications I received. 

I kindly request that you investigate this matter thoroughly. If you find the information to be inaccurate, I request that you : Delete or remove the XXXX XXXX XXXX account from my credit report, or Correct the inaccuracies, ensuring all information reported is complete and accurate. 

I have attached the following documentation to support my dispute : 1. [ Copy of notification regarding account closure/charge-off ] 2. [ Copy of my credit report highlighting the disputed information ] 3. [ Any other supporting evidence ] Please complete your investigation and respond to me within the 30-day time frame required by law. Additionally, I request written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this important matter. I look forward to resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Quicken Loans called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXXXXXX XXXX XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from Quicken Loans pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from quicken Loans right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XX/XX/2020 ) b. Company name on the inquiry ( Quicken Loans/ XXXX XXXX  ) c. Request to delete the inquiry
Product: Debt collection

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I didn't receive the letter until around XX/XX/XXXX or even later. I just found out that this client/law firm filed a lawsuit against me in my county on XXXXXX/XX/XXXX. I just made a complaint on them yesterday not knowing they did this. 

This law firm did not give me the required 30 days to even RESPOND to their letter and filed the suit early. 

I have no notice of the suit being filed, no summons, no letters, etc. that the suit was even filed or going to be filed. The letter was a demand letter to send payment. 

I told them yesterday that I would be happy to make payments on this account at $ XX/XX/XXXX month or even more increments but I dispute the almost {$600.00} in attorney 's fees. 

I REFUSE to pay ANY attorney 's fees, especially ones that are {$600.00} to write a one paragraph letter. 

I will also complain for the second time regarding this to the TN XXXX XXXX regarding their lack of communication tactics. This lawsuit was filed LESS than the 30 days that is required for me to respond.
Product: Debt collection

2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. Originally cmre was attempting to collect 2700+. Now they are saying 700+. The agent struggled trying to explain to me how a 90 % discount from the 2700+ is $ 700+.  At most it should have been {$280.00}. At most. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit by cmre starting in XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. 

The 2nd hospital stay for the other XXXX was XX/XX/XXXX. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. 

I would like to have this removed as this is a ball of who shot XXXX. Also remove all personal information from your databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/2022 with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit File : XXXX  XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.
Product: Debt collection

I was unaware of an attempt to collect a debt until I was notified by the reporting credit bureau of such back around XX/XX/2023. I notified this Forest Recovery Servies LLC in writing on XX/XX/2023, and XXXX XXXX responded to my concern as you can read in the attachment. However, I never heard back from this XXXX XXXX nor 'did I from XXXX XXXX. I have attached the documents sent to the reporting credit bureau to remove the account and update their reporting. I have also attached the documents of communicating back and forth with Forest Recovery Services
Product: Credit card

I suddenly became unemployed. No income. I called the company advised them. Was at first nice a s helped push back due dates. I called XXXX to resolve the. Debt and was told my card was permanently closed. I looked threw ALL emails and fortivas website messages as well as paper m ail. Never did. I receive any correspondence saying if I didn't make a payment or bring the account current that they were going to close my account. I spoke to somebody on the XXXX XXXX XXXX  and I said I want to see the Terms & Conditions that I sign. And he sent me a generic credit card. 
Terms and conditions. I called again today to see you. If we could come to a resolution where my car wouldn't be closed. I would pay the full balance and they said no. They were rude and I believe this company was a scam. Add this card for all about a year. Never missed a payment never was late. I believe when I was late. It was like do it midnight. And I think I made the payment. It like XXXX XXXX  I asked to speak to somebody that can help me. We can come to a resolution and I would pay the balance off in full that day. I don't feel I was treated the way a company or anybody should treat other people. 
Hard ships happen to everybody. I didn't wan na be one of the people that. Oh, my credit cards close forget it. I won't pay it or the user credit card never paid that it was nevermind intention and they did not want to help in anyway at all again. I looked through all correspondence from this company when was never told if I don't make a payment by x amount date. Your card will be closed. This company is a scam. 
Add 3 other credit cards. And all three companies worked with me because of the hardship at the time. When I became unemployed because XXXX XXXX XXXX I called I spoke with somebody and they said. Don't worry, we'll work with you until you get back on your feet. 
They never called me back. So I assumed they put like the credit protection or pause on my account. Fill that I was able to get back on my feet and then bring the account current. 
I've tried to talk to several people at the company to come to a resolution. And they did not wan na work with me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan with XXXX XXXX that is reporting ( 2 ) 30 day lates, in XXXX and XXXX of 2017. They fixed this same reporting mistake on my XXXX report twice and now is showing up late on XXXX  and Equifax.