23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$440.00} XXXX  XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX  XXXX  XXXX {$100.00}
Product: Mortgage

My house has been sold in Sheriffs sale. I have three months left to redeem it I want my house. this predatory and fraudulent HELP URGENT. I live here. This is a Bank of America Reverse Mortgage I did not know that in the three seconds it took me to sign. that paper I gave. my house awayThis is all I have the only place to live I want my house and land back. It is a nice house that Myfather left me in his will. My Father Husband and I built this house fifty five years ago. Im a senior citizen and a widow. I may live another twenty years. I raised my XXXX children here. HELP HELP HELP! UrgentI had XXXX XXXX XXXX and a XXXX accident It was not my fault XXXX. The Bank of America speed up the process to take my house away. They also sold my Loan which is against the law.To XXXX Mortgage in XXXX, Michigan
Product: Payday loan, title loan, or personal loan

My account with CashCentral ( Community Choice Financial ) is past due, due to hardships I was facing. When they would actually call me, they were aware of this. I'm attaching the last email I received from them, and I'm just getting around to reading. When I call to make payments using either of these numbers ( XXXX XXXX XXXX or XXXX XXXX XXXX ), and also today when I called to find out what I need to do to make a payment, I am/was bounced between departments that can not help me. Each person that I speak to asks for my SSN, name, and telephone number, and this makes me really uneasy that there may be something foul occurring at this company. Finally the tenth person explained that my balance on the account was {$1800.00}, and that an amount of {$480.00} was being charged off to a collection agency - she then informed me that she could connect me to the right person that could help me. When she transferred me, I spoke with a XXXX at the corporate office who also asked for my SSN and name, and once he had that information, he immediately transferred me to someone else. By the twelfth person I spoke with, she informed me she was over the department for California, so she couldn't help me but she would speak with her manager so she could TRANSFER me to the right person. After being on hold for about a minute, she hung up. This has been a constant thing all day and in the past, and it is really upsetting. I was on the phone from XXXX XXXX - XXXX XXXX being bounced around, with the stomach flu trying to be a productive member of society. It's to a point where I don't even want to deal with anyone from that company.
Product: Credit card or prepaid card

Our XXXX statement was scheduled to be paid on XX/XX/XXXXXXXX  since the XXXX of XXXX fell on a Saturday. We regretfully did not have sufficient funds in our bank account for the automatic withdrawal but had every intention of paying the balance in full. It was merely a matter of transferring money between our bank accounts. Chase Bank attempted to pull it again on XX/XX/XXXX, during which the funds still had not been transferred. My spouse deposited the correct amount on XX/XX/XXXX, but by XX/XX/XXXX, the money still had not been debited from our bank account. I called Chase on XX/XX/XXXX to figure out the status of our payment, during which they said to wait a few more days to see if the payment would be processed. I called again on XX/XX/XXXX because the payment still had not gone through. I was told because it was a banking holiday, to wait another day. I called on XX/XX/XXXX because the amount still had not been debited, and upon speaking to the representative, was told that I could make a payment right then. I decided to proceed, only to discover later that a payment in the amount of {$5500.00} was made, which was the balance due for our XXXX statement, not the XXXX statement. I called on XX/XX/XXXX to see if the payment could be reversed, so that I could apply that sum towards the XXXX statement, and they said that it could be applied by having it returned to our bank account. On XX/XX/XXXX, I discovered that {$5600.00} was returned to our credit card, not to our bank account, effectively returning our supposed XXXX payment and accruing interest immediately. On XX/XX/XXXX, I called Chase and asked that my case be elevated so that I could speak to a manager immediately. I was told that I would be transferred, only for the call to drop. I called again, restated my request, and was transferred to a person named XXXX. After explaining my situation to them, they were condescending and rude to me, offering no remedy or even an apology for the situation. I am also suspicious that I was discriminated against since from the outset of our phone call, they referred to me only as an authorized user and even raised their voice to me.
Product: Mortgage

As I was struggling with financial hardship during the pandemic, I reached out to XXXX for financial assistance with my mortgage. 
It seems they ( investor ) had granted me deferment modification on XX/XX/XXXX. I was never told by any of their representatives about this as every time I called and expressed my hardship time after time to follow up on the status of my loan. 
As a result the balance has accumulated for the past 19 months in delinquency. 
I sent them an updated financial package on XX/XX/XXXX with all documents requested asking for help with the delinquent balance and wanting to resume payment as my hardship has ended. 
I am awaiting their decision to resolve the matter through any sort of financial assistance modification, and as a borrower I can once again start making my monthly payments.
Product: Credit card or prepaid card

I opened an American Express Platinum card in XX/XX/XXXX with card opening bonus of XXXX Membership Rewards after spending {$5000.00} in purchases in the first 6 months. The first 6 months period ended on XX/XX/XXXX. I checked at least 3 times with customer service through phone calls after this period ended and spoke with a manager one time -- they all confirmed that I had met the spending requirements to earn the card opening bonus and stated that they made notes on my account about this matter. They all stated that the automated calculation of my spending during the first 6 months are incorrect, and their manual calculation yielded more than {$6000.00} of spending during the same timeframe of the first 6 months. However, until today XX/XX/XXXX, I still don't see my card opening bonus of XXXX Membership Rewards get posted to my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to customer service and unfair decisions which violate laws such XX/XX/XXXX ( CFPA ). Cash app failed to present fraud on their platform leaving my account unprotected. Their dispute resolution was poor service and did not comply with errors under ( EFTA ) and regulation E. This has caused me so many losses because I done sent at least overXX/XX/XXXX through cash app and I want to seek funds for these violations.
Product: Debt collection

To Whom It May Concern, I am submitting this complaint to dispute a collection account reported by Ability Recovery Services for an alleged debt of XXXX XXXX  related to XXXX XXXX  Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXAbility Recovery Services Balance : - {$1800.00} Date Opened : XXXXXXXX XXXX XXXX Status : -Open and Unpaid Remarks : -Consumer disputes reinvestigation in progress I dispute the validity of this debt and request validation of the account, including a full breakdown of charges, the original contract, and proof of my obligation to pay. If Ability Recovery Services can not provide proper documentation, I request that this account be **removed from my credit report immediately** under the Fair Credit Reporting Act ( FCRA ). 

I am also requesting that the **Consumer Financial Protection Bureau ( CFPB ) review this issue**, as the collection agency may be reporting inaccurate or unverifiable information. 

Please provide a written response within 30 days, as required under federal law. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Dear Santander Consumer/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 and copies of any other documents regarding this matter, including denial letter. 
Reason On XX/XX/2022 I was mislead to believe that a credit application and contract was only going to be done by one bank ( not Santander Consumer ) and the car was new. It is my believe this contract was used as a red herring for them to say the second contract with the right bank ( XXXX XXXX XXXX XXXX ) which listed the car as new was an error. Inclose is a copy of both contracts from both banks and title.
Product: Debt collection

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Product: Student loan

I have been a federal employee since XXXX XXXX. According to student loan forgiveness programs, such as Public Service Loan Forgiveness, I should have had my loan paid off after 120 payments as a federal employee ( which would be XXXX XXXX ). However, according to Navient they told me my loan type did not qualify and that if I did convert to an income based loan that my payment would go up and I would be paying even more every month and the 120 payments would start from the beginning. I graduated from college in XXXX of XXXX and my balance is higher than it was when I graduated?
Product: Debt collection

My wife was admitted into XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX in XX/XX/XXXX. She completed her treatment and I was told my insurance would fully cover this treatment. 

On XX/XX/XXXX I received a notice from Credit Management Company on XXXX that I had an outstanding balance of XXXX dollars. Prior to this I did not receive an invoice form XXXX XXXX XXXX of XXXX Az. I attempted to contact XXXX. and I was unsuccessful. XXXX  doesn't publish any telephone number or addresses for contact info for account receivable. Though they have 24 hour reception for intakes patients. 

The collection C.M.C. account # XXXX. 

Upon contacting my Insurance I was informed that XXXX XXXX XXXX XXXX paid the balance in full on XX/XX/XXXX. XXXX XXXX account # XXXX, Claim # XXXX. Note, XXXX XXXX XXXX XXXX was either bought-out or is a subsidy of XXXX XXXX XXXX. Moreover I was informed that the billing was not properly submitted by XXXX XXXX XXXX XXXX. Because I didn't get any help from XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX It took about a month to clean this mess up with my insurance company. 

Upon receiving receipt of payment I notified C.M.C. and they refuse to discharge me from this debt. Thereupon I FAXed a copy of my insurance documentation that XXXX insurance paid the full balance to CMC to XXXX XXXX, the supervisor, on XX/XX/XXXX. The cover sheet contained all of my contact info, email, telephone, and etc. with a request of an acknowledgement of this FAX. None was received. 

I have called CMC numerous times and as of yet Mr. XXXX XXXX has not responded not has C.M.C. discharged me form this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 https : 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 ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX LOST XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I withdrew from the term that the company is charging me for. I requested that they validate the debt and they did not send a proper accounting. I requested specific information to which they did not respond accordingly. They not are incorrectly reporting a debt that I do not owe. That must cease and desist immediately, else the next step is litigation.
Product: Student loan

I am on the PSLF program under the SAVE plan. I am currently at XXXX  payments/XXXX  and have over 123 months of eligible employment certified. 

During the transition from Mohela to FSA for PSLF program, I made two payments that are still showing as ineligible ( XXXX & XXXX ). I was told during phone conversations from FSA representatives that these months were eligible but they were still being updated. They have still not been updated and now Im told that only XXXX will count but XXXX wont. The misinformation and inconsistency is very frustrating. 

Since my account was placed in admin forbearance due to the SAVE forbearance, I have not been able to make payments. I was told to submit a buyback request to pay the final 4 paymets. I did this in XX/XX/year>. Since then I have not received any offers to buyback those remaining months. In XX/XX/year>, I submitted complaints and was told it is still processing.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

As a former XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both Citi Bank and XXXX XXXX. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit. 

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 

Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 

My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 

I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.
Product: Debt collection

This is in regards to Equifaxs data breach!!! They are directly responsible for my identity being stolen and are taking no accountability and are not compensating me for all the time Ive spent tracking down all my identity illegal use due to their data breach. From my prior complaints they are taking no responsibility and I lost close to XXXX dollars directly from their data breach from : Missing work : {$6600.00} Transportation time : {$450.00} Printing dispute letters : {$670.00} Hours on the phone : {$890.00} New phone : {$1100.00} Stress and Emotional well being : {$10000.00} They need to review my files I submit and answer the complaint properly. They are deflecting and being deceitful and are not compensating me for any of their negligence!!!
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports