23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Because of the wildfires in XXXX county OR, power to my home was cut/went out & this caused the septic system to stop working so sewage was spilling into my front yard. On XX/XX/20 I reviewed my online account with American Express to confirm I had roughly {$3800.00} in spending power. The septic company finished working on my system, and when I attempted to pay the {$690.00} bill, the card declined. When I called the company to find out what was going on I was informed that my account was " under review '' and I wouldn't be able to pay the contractor unless I paid them {$240.00} dollars. My payment was NOT past due and again, the online system stated I had over {$3800.00} in available credit. The individual I spoke with provided XXXX solutions in a time of crisis, told me that was just the way it was, and that I had to shell out what little cash I had left to make sure the septic contractor was paid. The complete lack of communication about the reduction in limit, and nonexistent help from the individual on the phone are completely unacceptable ; as is penalizing people who are in crisis and rely on the accuracy of the information provided online by their financial institutions. I was also not allowed to speak with anyone else who could resolve the situation.
Product: Mortgage

This is a notice and request. 
First, Rushmore just inherited a loan that has numerous unresolved complaints. There is a noted dispute on the correct amount being reported. So I am not sure how that affects them other than they should be notified the loan they have may not reflect current/accurate financial history and billing. 
Second, From some of the outstanding issues, we are seeking their assistance in looking at the account history and identifying who from Rightpath Servicing was connecting with the case worker for the XXXX assistance program for the state of Vermont. She no longer works there and her information has been passed to a new rep, however, I would like to have a record of all the communications from RightPath to this individual. There should be MANY, since we were approved for this assistance and are under the impression that RightPath has intentionally delayed this transfer to bring the balance current in effort to collect on late payments and other additional costs. ONLY the records related to RIGHTPATH regarding COVID to the state of Vermont and their communications with her. No other information is being requests, and asked to leave out of this request. Please forward this information to : XXXX XXXX  XXXX, Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VT XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX CFPB Compliant on Experian for Inaccurate Reporting. Refer to CFPB Complaints - XXXX XXXX XXXX 

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through USPS Certified Mail, Tracking # XXXX  and XXXX. The same information submitted by certified mail was also uploaded online through Experian Dispute portal. 

I have spoken to several Experian Membership Team members as well. Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian Membership Team nor the Fraud Department did not take any action nor provided any evidence. EXPERIAN IS REPORTING BUSINESS ACCOUNT ON MY PERSONAL PROFILE, this account is a result of identity theft.

I need to refinance my home, due to this inaccurate information reporting, my mortgage got denied. This inaccurate reporting is a result of identity theft. I am also attaching the documentation to this report.

1. FTC Identity Theft Report 2. Police Report 3. XXXX Bank statement which clearly states this is a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. XXXX  is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX  XXXX XXXX  XXXX XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since Transunion  XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. Transunion XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. Transunion XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. Transunion XXXX and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and Transunion XXXX and XXXX will be held by default to those damages.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I make my monthly payment through the Electronic bill payer system at my bank. As I always do I make more than the minimum payment. 

I received a note on XXXX first from Goldman Sachs Apple card that my payment was overdue! I responded that according to my bank records the payment was sent on XX/XX/XXXX two days before the due date. 

The response was that their record shows that the payment was received on on XX/XX/XXXX therefore it was overdue and interest and other charges is therefore applied. 

I contacted my bank bill payer service and they provided documents with federal inter-bank tracing number showing the payment was received by Goldman Sachs indeed on XX/XX/year>. 

I provided the document to Goldman Sachs, and they agreed to open up a case and get back to me by XX/XX/XXXX. On the XXXX of XXXX I received a notice that they reversed the payment ( or at least attempted to since my bank account is not directly connected to Goldman ), Froze spending on my account and call my account overdue. 

Every communication with Apple Card is through text, so everything I have stated is fully documented. No one every reviewed anything I sent them, it seems. Sometime you exchange text with multiple people on the same text thread, and at the end you get strange message like, " thank for letting me solve your problem '' clearly knowing they have not done anything, or " is there anything else I can help you with? '' Knowing they have not solved your problem in the first place. 

The process is set up a in a very one-sided way to cause maximum frustration. Facts don't matter, documentation don't matter. There is no comprehension or acknowledgement of understanding at least the problem, and it seems to have been designed diabolically for maximum frustration and in the most disgraceful way to frustrate the consumer.
Product: Debt collection

I got a {$30.00} debt collection notice from Credit Collection Services XXXX : XXXX XXXX XXXX, Account # XXXX My complaint is with the original credit " XXXX ''. 

They never sent me an original bill, and to the best of my knowledge, I've never even used them for a service. It's possible they were a third-party one of my medical providers used, but regardless, I never got one bill before this was sent to collections. 

I have perfect credit and have never failed to pay a bill, and this company is putting me in collections for a bill they never sent me, and to the best of my knowledge, I don't even owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX XXXX name XXXX.
Product: Checking or savings account

I would use my card and it would say that I have one amount and once I spent that I would get an overdraft fee to pay back because apparently it wasnt in there.so I would then have to pay XXXX overdraft fee plus what I spent and didnt really have but my balance said I was in there.
Product: Debt collection

I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.
Product: Bank account or service

Bank of America closed my accounts without warning, and provided my documents advising me of this to my address from over 5 years ago. That is not what was in their system at the time they closed my account. Second of all the Representative on a recorded line advised me they closed my accounts in error, due to the my debit card being replaced in ERROR and marked as fraud by a customer service rep. When asking the manager about it. They apologized and said they would re issue me another card, Weeks later i find out bank of america deny all my claims on my checking account, and instead locks my account for 3 months with money in it. Slowly draining the account down to XXXX Dollars. When trying to call Bank of America for a response, or a resolution to this matter since i do believe after being told by numerous representatives that my account was closed in error. I was told they ca n't reopen my accounts due to the Bank having me on a " Hotfile List '' That i should speak with the CFPB instead and advise them that the accounts had numerous research charges, not only that but i was told that because the account was marked as fraud in error by THEIR Customer service AGENTS. That i would no longer be allowed to open an account at Bank of America. Now when i call i am told, Sorry it was a business decision we do n't have to help you. I was never a bad bank of america customer, Maybe i went through some financial difficulties at one time. That 's not the reason the account was closed though.
Product: Consumer Loan

I was taken advantage of when I purchased the vehicle during a Chapter XXXX Bankruptcy because I needed a car. I was charged {$4000.00} more than the XXXX XXXX XXXX rate for the car 's salable amount and then was taken advantage by the finance company because of the interest rate. I am XXXX years old and should have been given special consideration in purchasing a vehicle. 

The special consideration I was given was only giving me XXXX vehicle to choose from and the dealer falsified the paperwork to get the loan approved at an unacceptable interest rate. The finance company does not renegotiate the interest rate or do any refinancing which gives me no leverage. 
The dealer put on the application that I pay {$400.00} per month for a mortgage payment and I have paid XXXX since XXXX 2010 which I told him. Secondly, he did not write anywhere on the Application that I was in the middle of a Chapter XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes when I saw incorrect accounts on my credit report this morningit felt completely out of nowhere. My routine checks have never revealed discrepancies before. I refreshed the page, but the errors remained. Im requesting a thorough examination of my documents to ensure Im no longer plagued by this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Product: Debt collection

A dispute has been ongoing with XXXX since XXXX The company has attempted to collect a false debt by using no less than a dozen collection agencies. I've disputed and won all my disputes but XXXX has now submitted false information to a collection agency and my records can't dispute the collection because the " proof of debt '' is all false information. The collection agency doesn't care and has tarnished my credit report using this fraudulent information.
Product: Debt collection

Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They  have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX
Product: Debt collection

repeated calls to collect even though a payment plan has been made and payments are being made. calls multiple times a day every day.
Product: Debt collection

I had an account with XXXX for internet service. After the end of my contract period, I contacted them by phone to cancel my service. I continued to receive bills and so I notified them by mail twice that I had canceled my service. Since I refused to pay bills generated after I canceled my service, after XXXX 4 months, they stopped billing me and canceled my account. They then sent a package to me so that I could return their equipment. I did so. 

Several months later they contacted me saying that I owed them for the XXXX 4 months of service after I canceled my service and that I owed for the equipment. I informed them then the information I related above. 

Now, they 've hired a collection agency - Access Receivables Management - who is attempting to collect the same invalid debt. I owe XXXX nothing since I always paid my bills in a timely fashion until I canceled my service, and I returned their equipment.
Product: Mortgage

CFPB case number : XXXX XXXX, XXXX, XXXX, XXXX - XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. CFPB is not allowing me to dispute response from XXXX XXXX with Ocwen Loan Servicing, Consumer Account Analyst, Office of the Consumer Ombudsman letter dated XXXX XXXX, XXXX. Ocwen is using XXXX XXXX to blow smoke circles for them while they hide behind there computers covering up the facts and the truth again only to level attempts to cover up Ocwen continuous fraud against me and several other victims. Ocwen scums may think its going to work but as always it will always caches up with them. Ocwen Loan Servicing use Homeward Residential as a tool to use fraud upon the court, using forged fabricated documents and robo-witnesses to seek fraudulent judgment, then later the cool XXXX thought it would n't come back to bite them, boy it will bite like XXXX. Ocwen scums say they were not involved in the XXXX XXXX Bank vs XXXX XXXX case but they know XXXX well that was the secret tactic plan they used and thought they get away with it. I am glad Ocwen is responding to my consumer complaints with all lies. New evidence will bring you down. I will be filing a new XXXX lawsuit, If Ocwen is able to pull off another fast XXXX against using forged fabricated documents I will never stop until my matter reaches the XXXX court and be given my right to a fair jury trial. Recently, I found out who the individuals working for Ocwen who have committed so much fraud against me and my family. I know who you are and now its time to sue you. I 'm glad Ocwen was able to recently settle CFPB investigation into Ocwen 's servicing practices. ; ) I would like to have the right to dispute Ocwen Loan Servicing 's robo-worker responses. Please provide XXXX with your findings, they have not received a response from you. ; )
Product: Money transfer, virtual currency, or money service

THIS COMPLAIN IS REGARDING SOME TRANSACTIONS MADE ON XX/XX/2017 USING ELAVON WHICH WAS RECOMMENDED BY UNION BANK TO PROVIDE A BETTER AND EASIER SERVICE TO OUR CLIENTS. THE INFORMATION PROVIDED WAS THAT WE DID NOT HAVE A LIMIT OF TRANSACTIONSA DAY, UNFORTUNALLY THE FIRST AND ONLY DAY ELAVON WAS USED WITH OUR FIRST CLIENT THAT HAD A PAST DUE BALANCE OF {$11000.00} STARTED THE ISSUE. ON THAT DATE 22 TRANSACTIONS WERE MADE IN LESS THAN 1HR BY OUR CLIENT REQUEST TO KEEP AS RECORD EACH INVOICE PAID WITH IT OWN RECEIP. ELAVON REPRESENTATIVE : XXXX XXXX | Fraud Analyst Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX T. XXXX| F XXXX |XXXXXXXXXXXX CONTACT OUR CLIENT TO AUTHORIZE THE 22 TRANSACTIONS MADE IN THAT PERIOD OF TIME AND TO MAKE SURE WAS NOT A FRAUD, OUR CLIENT ACCEPTED, AUTHORIZE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON REPRESENTATIVE ... 2-3 DAYS AFTER I SPOKE TO ELAVON REPRESENTATIVE AND INFORMED ME THAT SHE AND HER MANAGER DECIDED TO HOLD THE MONEY FOR ANOTHER 60 BUSSINESS DAYS BECAUSE TO THEM SEEMS THAT A FRAUD WAS MADE EVEN THOUGH THEY SPOKE TO THE CARD HOLDER AND EVERYTHING WAS AUTHORIZE. I HAD TO RECUR TO UNION BANK WHICH THEY ALSO TRYED TO GET OUR MONEY REALESE BUT THE REPRESENTATIVE DOES NOT RESPONDE TO THEM. IT HAS PASS MORE THAN 60 DAYS AND STILL ELAVON HAS NOT RELEASE THE AMOUNT, MY COMPANY HAS DONE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON ( proof : emails and calls ), ELAVON IS RETAINING MY COMPANY 'S MONEY AND THEY ARE NOT PAYING THE INTEREST, THE EQUIPMENT PROVIDED BY ELAVON TO MAKE TRANSACTIONS IT IS FULLY PAID. THIS COMPANY IS MANAGED BY XXXX ( poor english speeking ) OWNERS AND SINCE THE TIME WE HAD A HARD TIME TALKING TO THE REPRESENTATIVE AND SHE AND ME AND MY WIFE NOT ABLE TO UDERSTAND EACH OTHER XXXX CHANGED ATTITUDE AND WAS WHEN SHE DECIDED TO GO UNDER AN INVESTIGATION OF 60 DAYS BECAUSE SHE THOUGHT IT WAS A FRAUD. IT IS NOT FAIR BY HER SIDE AND WE ARE VERY UPSET TO NOT BE HELP BY ELAVON REPRESENTATIVE AND SPECIALLY CALL A FRAUD TO A HAND CLEAN CLEAN. TO US SEEMS IT IS A RACIST ISSUE. UNFORTUNALLY WE LOST OUR CLIENT DUE TO ELAVON ISSUE AND DONT WANT THAT TO HAPPEN AGAIN. THANK YOU FOR THE TIME AND HOPE SOMEONE CAN DO SOMETHING REGARDING THIS CLAIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I have numerous inquiries for companies that I did not apply to on my credit report.
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

elanfinancialservices yesterday there is a hard inquiry on my credit report and I never gave consent