23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phone calls trying to collect {$250.00} throug h Diversified Consultants  at  XXXX  for  XXXX   XXXX .   I pay my bill by automatic withdrawal each month and do not have a balance. I informed  XXXX   XXXX  of these calls and they are not aware of this collection agency nor have they contacted a collection agency. I do not owe this money this company is trying to collect.   I believe this is a phone scam to collect personal account numbers in order to commit fraud.
Product: Checking or savings account

On XX/XX/XXXX i went to my local Bank of America branch needing to access my Safety Deposit Box. I arrived at the branch at XXXX. The hours had been reduced to XXXX earlier in the pandemic, in XXXX. 
I found the bank closed, locked, and with signs posted ( I took photos ) both describing the COVID protocols in place and that the branch is " Temporarily Closed '' with information to contact BofA for access to Safety Deposit Boxes. I both emailed the contact information and I waited online for 1 hour, 40 minutes to speak with someone ( after my first call was auto disconnected by their system after 25 minutes. ) I NEVER received notice of the closing of my bank, restricting access to my personal belongings. I have an urgent need to collect one of the items in my box and I still have NOT heard from BofA. 

BofA could and should have notified me. I log into the mobile app daily, the web portal at least every other day, and they have my email address linked to my user ID, linked to my mobile and home phones, linked to my accounts. They have multiple ways to reach me. I want my property! This isn't rocket science.
Product: Debt collection

I received a computer generated letter the first week in XXXX XXXX XXXX from Midland Credit Management stating that i owed them XXXX from a XXXX XXXX Credit card. 
Upon reviewing my consumer report i see that this was reported on my report. I wrote them a letter disputing the debt and requested proper and complete validation of this debt according to federal guidelines and not to contact me until they have sent me the proper validation. This letter was received on XX/XX/XXXX by them. They have neither ceased collection attempts or furnished me with the proper validation. I have told them that until they do the debt will be considered invalid. i will attach the letter that i sent to them along with this complaint.
Product: Mortgage

Bought a house and financed through Excelerate Capital. Right after the loan closed escrow and before the first payment was due on XX/XX/2022 Excelerate Capital sold the loan to XXXX XXXX. I had my payments set on auto pay from my business checking account with XXXX XXXX. XX/XX/XXXX comes Excelerate Capital debits my account for the payment in the amount of {$14000.00}. A week later XXXX XXXX calls and says I didn't make a payment and that they had bought the loan! I stated I had made a payment and my loan was on auto pay. They replied OH your on auto pay ok we'll take care of it. Then on XX/XX/XXXX XXXX XXXX debits my account for the same XXXX payment of {$14000.00}. I've contacted both finance companies and now they are both playing the game that I should contact the other finance company. Neither take responsibility. I want my money back plus XXXX XXXX interest like they charge me on the loan. Now they don't respond.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number XXXX Consumer DOB : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fraudulent, inaccurate, and false information consist of accounts : XXXX, Account # XXXX & XXXX, with a balance of {$1600.00} ; XXXX, Account # XXXX, with a balance of {$2500.00} This fraudulent, inaccurate, and false information consist of hard inquiries : XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> These accounts have resulted in several hard inquiries, fraudulent collections, and Non deliverable addresses appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, hard inquiries, and addresses as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed are a picture ID, a bill, and a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under Trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$390.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$4200.00} XXXX  XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I am an infrequent user of PayPal. I only use their services when it is the only option provided by the merchant. As an extremely casual user, I would never intend to sign up for a PayPal Credit Card. However, it appears that I inadvertently opened a PayPal Credit Card in XXXX of 2015. Unbeknownst to me, this resulted in a hard inquiry to my credit score and it created confusion when I went to purchase a big ticket item last week. 

Last week, I thought I was using the normal PayPal service for an item that cost {$890.00}. When I received the {$890.00} invoice from PayPal Credit, I was extremely alarmed and furious. I immediately called the customer service number, closed the account and paid the remaining balance using my bank account. THIS WAS NOT HOW I WANTED TO PAY FOR SUCH A HUGE EXPENSE. This forced me to shuffle money between several accounts in order to free up enough funds to cover that large expense. My intention was to charge that item to my normal credit card, not be forced to pay for it right away from my bank account. In addition, I lost out on the credit credit reward points that would have been generated from that large purchase. 

I am not a careless consumer and I am not ignorant when it comes to reading the " fine print '' of an online purchase. The fact that I accidentally opened a PayPal Credit Card speaks to the disgusting and obvious predatory nature of this credit line. I am certain that there are people all over who charge items to PayPal Credit thinking it 's going on the credit card linked to their normal PayPal. These people most likely end up with massive late fees and penalties. What a disgrace. I 'm glad that I caught this early, but I am angry that I was hit with a hard inquiry and was forced to come up with {$890.00} on the spot to make this work. 

As a result, I will never use PayPal again. If PayPal is my only option, I will kindly let the merchant know how PayPal treats their customers and take my business elsewhere. PayPal Credit should be closed immediately. I look forward to the class action law suit against PayPal when more people realize that this unsolicited issuance of credit is extremely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA  continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
Product: Payday loan, title loan, or personal loan

Rise credit s based in XXXX XXXX Texas, They did not reveal the apr @ the time of the paper work plus they are charging av rate of 125 % apr and XXXX a day percent on a loan I did not know that at the time of the loan they are charging my account over a 1000.00 a month with nothing going toward the principle of the loan. I am a XXXX XXXX XXXX XXXX  vet and have a lot of medical issues. now they want to send me to collections isn't this predatory lending
Product: Mortgage

Hello. I am looking for someone that will help my husband and I with the atrocities that have taken place in our lives over the past 10 years. First, it started with XXXX. We got behind in our payments in XX/XX/XXXX and they took advantage of our situation and I have the documentation that shows they applied our extra payments to escrow and looks like possible forced hazzard insurance was put on our mortgage, even though we had regular monthly insurance. Second, in XXXX XXXX, we took out a second mortgage with XXXX, under the terms of 9.8 % interest for 10 years.. The payment was {$140.00} a month and our yearly taxes, we took a tax break of roughly {$90.00} a mo in interest. In XXXX, we had to file bankruptcy because we could never get caught up with XXXX and got behind with XXXX. We continued to pay XXXX but was later told it was a daily simple interest loan and since we got behind, the rate went up to 15.99 % .. When asked for the XXXX documents, they sent us what looks like falsified documents- making it look like we agreed to paying 15.99 % interest for 15 years!!! 
During this time, we still continued to pay but was unable to find a way to get out of this loan bc of the bankruptcy that was filed thanks to XXXX. XXXX and XXXX sold our loans to other servicers. XXXX sold our first to XXXX XXXX XXXX and they " modified '' our loan after our bankruptcy discharge.. They also applied none of our payments to principal during that time and then put it back into the modification.. This was recently realized when I sat down and combed through the records. XXXX then picked up our home loan after that and the level of unprofessionalism and abuse we dealt with was ridiculous.. We even thought about foreclosing on the hone bc their bullying tactics were too much.. They sold to XXXX a few mos ago. As for XXXX, they sold to several and after we couldnt get a straight answer on the account, we quit paying.. We basically still owe what we took out in XXXX. In XXXX, my husband recieved a call from a man namd XXXX from Shellpoint, saying the account has basically aged out and that they wouldnt be charging any interest and then said that they werent persuing it. Then sent us a setttlement offer for {$3700.00}. At the time, we couldnt afford that, out of pocket. 
Recently, my husbands credit has become much better and we were in the middle of a refinance. The issue of a lien being held by XXXX is still on the house. XXXX XXXX asked us to see if they would settle. My husband asked them for a settlement and the guy said the same amount and then when my husband said we were using a refinance to pay this back, he gave us literally FOUR DAYS to get the money, knowing we werent closing in four days.. Now his tune has changed and is saying we now owe them the full amount and can make monthly payments. We want OUT of all this predatory lending and Quicken has been working with us to try to help.. Shellpoint mortgage SERVICING is the only thing holding it up.. We need HELP! Tired of being XXXX by the unscrupulous mortgage servicers!
Product: Debt collection

I bought a phone from XXXX paid it in full then started having problems with it, called customer service to report they said to return it for a used XXXX after I paid for the new XXXX but before I returned it I took it in to the store to confirm no water or screen damage and they turned around and tried to bill me a second time for the full amount. I was loyal to them for XXXX and this was the XXXX time I 've encountered this problem so I took my business elsewhere. I asked them for proof of damage and received a written response damage was found and I 'm liable with no pictures or documentation this should be illegal and not allowed to affect my credit score. The thx I get for XXXX too long and thousands spent on XXXX customer service
Product: Credit reporting or other personal consumer reports

Hi, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. My loan applications are being turned down because of inaccuracies in my credit history despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report where a collection item was Removed on XX/XX/XXXX but later added back to my credit file on XX/XX/XXXX without any written warning to me as to why the collection item was from XXXX XXXX XXXX a company in which I previously disputed as i have never signed a contract or received any services from this company I have enclosed a company of the experian dispute showing the item was removed and then added back In addition I have a fraud alert on my file however experian has allowed inquires I have no knowledge of and refuses to drlete said inquires after several phone calls the inquires innquestion are below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XXXX I received a credit alert that my student loan account was reported 90 days in arrears. During the federal student loan pause, I was paying what I could when I could to my servicer, Navient. I do not understand how my account could have gone into arrears during this time. On XX/XX/21 I tried to call Navient to discuss the situation. Three times I was told by a recording that I was being transferred to a customer service agent and was subsequently disconnected. 

My credit score has dropped XXXX points due to this and I can not contact Navient to get this resolved in a timely manner. We are currently trying to move into an apartment in a safer neighborhood and this drop in score is affecting our ability to secure safe housing.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B necessitates the elimination of any erroneous entries from my credit report. Can you verify the documents? Several of the listed entries are inaccurate in their reporting of amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax leak of information. Was named as potential target.
Product: Credit card

On XX/XX/year>, I bought a plane ticket through Southwest Airlines for {$260.00}. During this period Chase Bank and Southwest Airlines offered {$300.00} for your first flight as long as you put it on the Southwest credit card. XX/XX/XXXX I applied for the credit card and got accepted, and when I purchased the flight, the total that was shown that would be put on my card was {$39.00} for the flight, due to the special offer that was going on.

I got my first statement towards the end of XXXX, and the total for the flight, and on my card was as stated above. When I called and tried to talk about it with Southwest Airlines, they directed me to call Chase. I have called Chase twice now and explained what happened, and then they told me to wait 12-14 days to receive something in the mail, and during this time if a payment would come due I wouldn't receive a late fee. Now, after trying to dispute this incident and get it corrected, I have received two late fees and no understanding from Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and ignored regarding my disputes. Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days at this point, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.
Product: Debt collection

As required by law, this company did not provide me with an opportunity to validate this debt prior to reporting to XXXX.
Product: Debt collection

After going over my credit report, I discovered multiple accounts that I suspect were added without my consent and are incorrect. I request immediate action to block and remove these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have mailed certified letter and verbally spoke with Experian for the past 6 months with no results. I have been hung-up on and told that they don't have to have proof that the information that is provide on my report is acquire. I have asked to speak with supervisor for the rude and unprofessional behavior that I experienced and no one called me back. I was told the only way that my file could be corrected is if I had a paid membership. My number is blocked from the system i have to call in with different numbers. Today i was hung up on by XXXX in special departments. i have all my certified mail receipts and some recorded phone calls
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX unlawfully placed negative items on my credit affecting my ability to procure goods and services. XX/XX/2024. They continued to do so after receiving my Power of Attorney, Common Law Copyright, XXXX and Trademark of my name.