23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I was contacted this morning by someone named XXXX XXXX at a company he called XXXX XXXX XXXX. I was told to call another number, XXXX. A women from that number told me that they had a case in my name which originated with Ace Cash Express but said although Ace had already written off the debt, there is a third party lender that is pressing charges and that the States Attorney Office had already signed off on the case. I contacted the States Attorney and was informed that they had no such information or case under my name and info and she also said that this type of situation has happened before and that this is a scam. She also informed me that they could n't put me in jail for a debt but that they could sue me. Since this debt is over 6 years old and I have moved at least XXXX4 times since then, also phone numbers have changed, I 'm confused as to how they obtained my current information. This scares me, not because of an old unpaid debt, but rather how my info can be so easily obtained. I also do not appreciate being told that if I do n't respond within an hour, they will come and arrest me even asking if I have any large animals. All phone numbers involved this morning were, XXXX, XXXX, XXXX. I 've done a reverse lookup on all phone numbers with no results for any of them.
Product: Credit card or prepaid card

I have a credit card from Barclays Bank and have maintained this account in good standing since XXXX. 

However, entirely because of Barclays repeated failure to follow its stated policies and stand behind what its representative assured me by phone would happen, I have been charged {$59.00} in fees plus interest of {$47.00}. 

Twice, I wrote to the company with the details, and both times the response has been a form letter essentially suggesting that nobody cares. 

On XX/XX/XXXX, I mailed a check for {$5200.00} to Barclays which more than covered my balance, due 13 days later, on XX/XX/XXXX. On XX/XX/XXXX, Barclays received my check. 
Barclays did not present the check to my bank. 
Barclays did not credit the payment to my account. 
Barclays did not give its own relationship managers any way to know that it had received this check. 

On XX/XX/XXXX when I noticed my payment was not credited, I called and talked to Barclays Relationship Manager XXXX. He advised me to stop payment on my check, which apparently had been lost in the mail. He told me that if the check somehow were presented to my bank and returned, Barclays would waive any fee for that. 

On XX/XX/XXXX, I still had no way to know that 16 days earlier, Barclays had received my check. I determined that it had not been presented to my bank, and I instructed my bank to stop payment. This is what Barclays had instructed me to do, and XXXX charged me {$30.00}. 

Later that same day, I spoke to another Barclays Relationship XXXX, XXXX, who told me the check had been credited to my account the previous day. She also told me that Barclays had begun trying to verify the check on XX/XX/XXXX. 

On XX/XX/XXXX, I wrote a detailed letter to Barclays following the instructions for doing so that are printed every month on my statement. In return I received a form letter stating : We are currently unable to complete your request. The letter instructed me to call customer service. 

I did so and spoke with still another Barclays Relationship Manager who told me the {$29.00} returned payment fee was valid and could not be waived. 

On XX/XX/XXXX, Barclays charged my account {$47.00} for interest charge on purchases even though my account had been fully current since XX/XX/XXXX. ( One month earlier, on XX/XX/XXXX, Barclays charged me {$130.00} interest. Later, without any explanation, Barclays reversed that charge. ) I have tried to resolve this by letter and by telephone, without success. The problem was entirely caused by Barclays, not by me.
Product: Credit card

In XX/XX/XXXX I set up a Debt Management agreement that BMO Bank verbally agreed to at that time. Finally 5 months later, BMO sent the signed agreement. 
I agreed to have the Debt Management company make a monthly payment to BMO on my behalf. In return BMO agreed to waive any late fees and to maintain/not increase the interest rate. In the meantime, since XX/XX/XXXX, the Debt Management company was making the agreed monthly payments on my behalf. and has consistently made the monthly payment to the present time. 
Whereas, BMO has charged a {$39.00} late payment fee every month from XX/XX/XXXX through XX/XX/XXXXXXXX  ( 21 months ). Additionally, they have raised the APR from 26.24 % from XX/XX/XXXX, when I entered the program. I don't know what I'm being charged now, as BMO will not give me access to monthly statements. 
I have tried to speak with BMO Collection Manager, XXXX XXXX, but she is never available and messages I have left are never returned. 
So I used a law firm to send her a letter asking for a reconciliation of my credit card account, and demand credit for the late fees and excess interest charged. She was given 15 days to respond. That date has long passed with no response. 
For months I was getting daily collection calls, sometimes 5 in a day, from BMO telling my account was past due. I explained numerous times that my account was placed with a Debt Management company, and I should not be getting these calls. The CSR would say, OK, I'll put that note in your account. And the calls would continue. 
Recently, the calls stopped. Then I got a letter from a third party collection company telling me that my account had been placed with them for collection. I wrote to them and explained that my account was being handled by a Debt Management company who was consistently making payments on my behalf in accordance with the agreement that BMO had signed. I asked them to refer my account back to BMO. I have not had a response from them or from BMO. 
In the interim, because BMO sent my account to outside collections, my credit score has dropped so low that I can not get a new credit card or a personal loan. BMO has placed me into financial hardship. 
According to my Debt Management company, I owe more now to BMO than when I entered the program. 
Since BMO Bank has not honored their side of the Debt Management Agreement, I would appreciate any help in bringing BMO into compliance with that agreement, and getting my credit card account reconciled, meaning being credited with all late fees and excess interest charged from XX/XX/XXXX, in addition to doing whatever is necessary to restore my credit score with the three credit bureaus. And how about a big apology for my duress and a lower interest credit card with a {$1000.00} credit line. Not kidding...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX Balance : {$0.00} XXXX  SELF-REPORTED XXXX Balance : {$17.00} UTILITY SELF-REPORTED XXXX Balance : {$230.00} UTILITY SELF-REPORTED XXXX Balance : {$110.00} XXXX  SELF-REPORTED XXXX Balance : {$90.00} XXXX  SELF-REPORTED XXXX Balance : {$550.00} XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I had $XXXX  in my account , I received 3 separate charges on my card For $XXXX , $XXXX , $XXXX & left me with a balance of XXXX Once I saw those charges I immediately disputed them & Made a report & requested a new card .Cash app said once they investigated in 10 days they would contact me. That was last Tuesday. I took the XXXX off. 2 days after I disputed those charges the same charges appeared again and it put my account into the negative of $-XXXX I have been contacting cash app support every since Monday & the cash support was not letting me submit my request finally the did. No one has even acknowledged I even contacted I have sent several emails and Today I received a notification from my bank stating that cash app had took $XXXX from my bank account and put it to my cash balance to leave it at $XXXXI am extremely UPSET AND OUTRAGED Because I have been charged 3 times for this same amount when I didn’t authorize the money in the first place. And it has put me in a bad situation. I need to speak with someone from cooperate. I need some money to contact me back to let me know what’s going on & when I will receive my money back.
Product: Payday loan, title loan, or personal loan

I tried to change address with Upgrade Inc. and their customer support is keeping asking me for more documents. I already sent a utility bill ( internet ) just like they asked in one email, but they are again asking for me for more documents. 

My current address in their system is outdated for several months now and they do not have a section in their website to update this info, even though I got a business loan and line of credit through online. 

Their online help says I should be able to edit my address, but it is not true. Link to this info is here : https : //upgrade.zendesk.com/hc/en-us/articles/115000335508-How-do-I-change-my-contact-information- If they are going to send any documents to my old address, I am afraid that it XXXX fall into wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from PayPal credit services but I never applied for PayPal credit ... I have a PayPal account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to XXXX  because XXXX does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.My name is spelled wrong 2.wrong date of birth 3.unknown address appeared on my file.

4.Credit report shows unknown inquiries 5.credit report shows wrong addresses.
Product: Debt collection

Received a Letter in the mail yesterday from OneMain FInancial offering a loan up to {$10000.00} the issue is that there is NO APR DISCLOSURE on any of the 2 pages. This is very misleading and I want to make sure that the elderly do not fall for this. Maybe I am not sending this to the right channel but please this type of marketing should not be alllow. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found that I have fraudulent activity on this account on my report. Please remove this account immediately, and send me an updated report. Thank you for your prompt assistance in this matter.
Product: Mortgage

XX/XX/20 - Initial Contact with XXXX of Filo Mortgage asking for a quote XX/XX/20 - Underwriting, this step took ages with a lack of response from XXXX Mortgage on multiple occassions XX/XX/20 - Closing begins, Filo sends documents with incorrect closing fees and takes a few days to fix the issue. 
XX/XX/20 - XXXX XXXX signed in AZ, Filo to coordinate signing with title company and XXXX XXXX in CA ; XXXX wires closing costs from XXXX account to XXXX ( title company ) which posts the next day XX/XX/20 - Filo reschedules, multiple contacts from XXXX asking about rescheduling with no response XX/XX/20 - Closing coordinator reaches out to XXXX and says title is having issues and won't be able to move forward ; advises to reach out to XXXX for more information XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX XXXX XXXX at XXXX. XXXX places XXXX on hold and tries for XXXX. Rep advises XXXX is with another customer and will contact XXXX tomorrow. 
XX/XX/20 - No contact XX/XX/20 - XXXX calls Filo at XXXX. XXXX places XXXX on hold and transfers to someone named XXXX which goes straight to voicemail.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX.
Product: Debt collection

Dear XXXX XXXXXXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Product: Credit card

Citibank intentionally fabricated disinformation stating I would not have to be responsible for the fraudulent charge in my minimum payment- when they are still making me pay for the criminals maxing out my credit card to bring the credit card under limit. This is so criminal and corrupt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XX/XX/XXXX days of receiving them. My dispute regarding XX/XX/XXXX was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

Experian is reporting bankruptcies on my report that aren't mine nor accurate. This is stopping me from obtaining housing. There would have been no need to file a chapter 13 on my credit report. I don't have any debt nor late payments since 2018. I've sent them my FTC report along with my police reporting showing my identity has been stolen several times. 

This bankruptcy is inaccurate! XXXX XXXX such as bankruptcies must be updated every 90 days just like tax liens. 

XXXX XXXX XXXX XXXX XXXX : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, 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.
Product: Mortgage

I filed two complaints One case # XXXX that is the one that has the documentation about the problem. 

The denied document on the short term sale which was sent after I sent the funds. 

The document stating they are not returning funds. 

I sent copies of the wire transfer that stated pay off on loan. 

Now PHH Mortgage has responded to the claim saying they are still working on the issue. That can not be a true statement because I have the proof that the case with PHH mortgage and myself is closed. When I called them they also told me they are not returning my money. 

I have reattached documents about this case
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of XXXXXX/XX/XXXX opened in XXXX of XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of these accounts being fraudulently opened in my name in XXXX. I have reached out to Transunion to have these accounts removed from my credit report. I have sent several letters to TransUnion with the required documentation to establish identity theft, but TransUnion has failed to properly investigate and remove these accounts. TransUnion has caused me great harm by damaging my credit reputation. Under FCRA, TransUnion is required to remove these accounts once an identity theft claim has been established. The accounts listed below were opened fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$3500.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Federal has been reporting a couple accounts on my report. the porblem is i never used them. i do not know how these accounts were created, but they need to be deleted. this is detrimental to my credit and the plans for my family. i need this fixed.
Product: Credit reporting or other personal consumer reports

I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have 4 of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido notrecognizeor authorized. 

XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a payment amount on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.