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

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. XXXX, Equifax and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!
Product: Credit reporting or other personal consumer reports

Date of Report XXXX Amount {$630.00} Date od Report XXXX Amount {$0.00} 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. 

( Capital One ) 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!
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, XXXX, and TransUnion ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance XXXX : {$2500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card or prepaid card

Ink from Chase credit card. A check was written payable to me for zero percent financing through XX/XX/XXXX. I wrote a check on XX/XX/XXXX ( that's when it was on the credit card statement ) but have no record of the check being deposited into any of my savings or checking accounts. My bookkeeper is working on my books for XXXX and noticed that the {$9500.00} was never deposited to any of my accounts. XX/XX/XXXX My bookkeeper and I called Chase and asked to get a copy of the front and back of the check to see who endorsed the back and where it was deposited to and they said they couldn't give us that information.Our first phone call the Chase employee said they couldn't hear us talking anymore and hung up on us, we called back and asked for a supervisor. The next Chase employee said the supervisors were in a meeting and that he would try to help us. We told him what happened on the first call and he was nice and tried to help us. In the end he said he couldn't get that information for us that we'd have to call the dispute department, they would have more details on the transaction. We called the dispute department which was a 50 minute hold time without success. They said they could not give us this information. I don't know if I dropped the check on the way to the bank and someone else cashed it or the bank didn't put it in the my checking account. I am XXXX years old and it's been difficult trying to get this resolved. That is a lot of money to not know where it went.
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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I purchased my home in XXXX of XXXX. I did not qualify for the homestead exemption deadline and the house property taxes were approximately {$5000.00}. On or about XX/XX/XXXX, I contacted my mortgage servicer providing the new tax amount for XXXX and requesting that they recalculate my escrow. The new taxes for XXXX ( as provided by proof from the county courthouse and sent to the mortgage servicer ) would be {$2400.00}. Shortly thereafter on or about the XXXX of XXXX, the mortgage servicer sent me a check for approximately {$2800.00} and improperly stated my XXXX taxes to be {$2400.00}. I contacted them, made them aware of the error they made, and I was instructed to destroy the check. On or about XX/XX/XXXX, I received a notice that my escrow balance was underfunded by {$1900.00}. On or about the XXXX of XXXX, I contacted the mortgage servicer and informed them that they sent me a check in error, that they needed to remit the proper tax amount to the taxing authority for XXXX, and that my escrow fund was not under funded. On or about the XXXX of XXXX, I was informed by the mortgage servicer that given my reduced property taxes that my monthly payment would be reduced to approximately {$1800.00} from {$2000.00} ( this is actually correct using the proper taxes for XXXX as I have provided them proof of same ). On or about the XXXX of XXXX, XXXX, I was informed by the mortgage servicer that my escrow account had been reanalyzed and that my new payment would be increased from {$1800.00} to {$2100.00}. The mortgage servicer was now using the incorrect XXXX property taxes of {$5000.00} not the reduced and corrected amount of {$2400.00} that was provided earlier by the me and supported by documentation from the county courthouse. In summary, my XXXX property taxes are approximately {$2400.00} and my total loan payment for XXXX with a properly analyzed escrow fund should be approximately {$1800.00}. I have spent endless hours on the phone, writing emails, and talking to representatives. This is plain and simple math. They should make the correct adjustment and move on. 

XXXX taxes were
Product: Prepaid card

I received my direct deposit on XX/XX/XXXX. On XX/XX/XXXX, while campaigning at a voting center, I received multiple alerts notifying me of transactions totaling {$1000.00} on my card. Shocked and distressed, I immediately contacted the customer service team. Unfortunately, due to the emotional distress of the situation, I initially had trouble recalling my card number. However, after regaining my composure, I was able to provide the necessary details and complete a police report to report the card as stolen. 

I was informed by customer service that I would need to wait seven days for the transactions to be fully processed before I could initiate a dispute. I filed the transaction dispute on XX/XX/XXXX. In particular, I called Comdata and informed the representative that I did not authorized those transactions and I was disputing those transactions. The representative stated she filed the disputes. Following that, I was told I would need to wait another 10 business days for the investigation to be completed before a refund would be processed. 

On XX/XX/XXXX, I called again for an update, and was advised to call back on XX/XX/XXXX. Upon calling on XX/XX/XXXX, I was informed that my dispute had been denied and that an email had been sent to me with details. However, I have not received any email communication regarding this decision. I have called them 4 more times requesting the email be sent. As of now, I have not received the email. 

Furthermore, when I requested the contact information for the fraud department, I was told there was no direct phone number and that they could only be reached by email. I was informed that they would submit a request for the email to be " resent, '' but this lack of direct communication is both frustrating and unprofessional. 

Given the circumstances, I am extremely disappointed in how this matter has been handled. The delay in resolving my dispute and the lack of transparency throughout the process have only compounded the financial hardship I am already facing. This situation feels like a complete failure in customer service and fraud prevention, and I am left with the impression that my case has not been treated with the urgency and seriousness it deserves. 

As I am still waiting for my funds to be returned, I intend to continue pursuing this matter until a resolution is reached. I urged Comdata to take immediate action to rectify this situation. Working individuals like myself rely on timely access to their hard-earned wages, and the way this has been mishandled is unacceptable.
Product: Debt collection

I have been receiving robocalls from this company Apex Solutions. On Monday, XX/XX/2017, I received a voice mail from this company. It was a man 's voice and he stated ( I believe this was the middle of the conversation ), " full restitution. This will lead to your last known employer being contacted and will affect any current deposit accounts you may be using. '' The man then left a phone number and repeated it twice. I called the number on Wednesday, XX/XX/2017 and spoke to a lady that did not give me her name. I asked about the threatening voice mail and she said it is a prerecorded message. I asked her do they use this to call all people who have a debt? I told her it was a threatening voice mail and she hung up on me. The call back number is XXXX. They are collecting a debt for XXXX. I believe this debt may have been discharged in bankruptcy court. I have saved the voice mail and can email or text it. This company calls 2 or more times a day.
Product: Vehicle loan or lease

on XXXX XXXX i leased a car from XXXX/ General Motors Financial , for 3 years, i did auto payments of XXXX $ a month, in XX/XX/2020 i noticed from my credit card company that i am late on the payment for 75 days, i was shocked, i new, i have auto payment like all my other payment, i called GM , they said that the auto payments was only for 1 year, and they stopped the payment from XXXX, XXXX and XXXX, 75 days, i never stop the auto payment since i leased the car for 3 years, i never got any letter from them notifying me before XXXX that they stop the auto payment, i was sick at home for 3 months with the corona virus, now i`m having big problem with my credit score, i paid the same day the payments for 3 months and advance payment for next month, i never got any latter from GM say anything about the stopping the auto payment, GM telephone # i called is XXXX XXXX XXXX, account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you for your help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My wife and I got a new home with a local company in the fall of XXXX. We went with a local bank in XXXX XXXX, XXXX, and that mortgage got bought by XXXX XXXX. We were on the XXXX forebearance plan, which started in XXXX of XXXX, and it officially ended XX/XX/XXXX. We made the last XXXX payments, from XXXX through XXXX of XXXX. We are now in the process of refinancing, and am hoping to close on it soon. I have tried to start the whole refinance process with Citizens One since last XXXX, and have tried to get a hold of them a number of times to see what the progress was during that time. They told me each time that they have been busy, and would call me. They never did, so I would call them regularly, and got the same response. After finally talking to a person in the right department with XXXX XXXX, they agreed for us to extend our mortgage. I asked the particulars, as to if they would ad our missed payments, with no interest, to the end of our mortgage. It would be for approximately 17 months, added on. They said that would be fine, and we signed the paper work for that to go on. I asked them that to be clear, and thats what they told me. All of this should be recorded on their part. 
We found out a few weeks ago, that HUD now has a XXXX on our house for the payments we didnt pay, of a total of {$39000.00}. Its a XXXX loan, that we need to pay, on top of our loan balance with Citizens One, which is {$270000.00}. We are confused as to why we need to pay this additional money. The original loan is an FHA mortgage, so hence why HUD has the lien, from what was told to us recently. Citizens One didnt even say anything about that. They told me what I stated above, about the balance would be added on the end of the loan. They didnt do that. We were hoping to get some additional money for some home updates, and other personal things caught up as well. We cant do that now, due to XXXX XXXX inability to tell us what was actually going to happen. Also, HUD takes forever for them to answer a phone call. I was on hold for about 2 hours to talk to someone. The lady we are working with, XXXX XXXX, with XXXX XXXX Bank, was on hold twice this week with them for a total of almost 5 hours. We would like to what the deal is with this circus, and am confused as to why this HUD deal is even factored in, when it shouldnt be, from what Citizens One told me. 
We have hoping to get this resolved soon, so we can get our refinance done within the next week. XXXX, XXXX, and myself are perplexed and disappointed with what has happened with this for the past few weeks. We would like to have a very simple explanation as to whats happening with this supposed extra XXXX on our house, with a reasonable solution to it as well. Again, please do this as soon as possible, so we can wrap up the refinance soon. 


XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Citizens One account number XXXX XXXX XXXX
Product: Credit reporting

I pulled a copy of my credit report and the address listed for XXXX XXXX is incorrect. The address that was listed was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. A certified letter was sent to that address and it was returned to me as Undeliverable as addressed. I notified that credit bureau and requested this entry be deleted from my credit report due to inaccurate reporting. I pulled another copy of my credit report on XXXX/XXXX/2016 and the credit bureau just changed the address on my credit report.
Product: Debt or credit management

There are accounts on my report that I feel that have been placed improperly
Product: Mortgage

XXXX banking said that miss payment XXXX I didn't miss any payment I started paying with my s.s.number to Identify when I mad my payment, then I started to use there account number for making payment. XXXX transfer the loan over to Select Portfolio Servicing. At XXXX i was down to XXXX $ on the loan when sps took over they charge me XXXX dollars now owe XXXX. When I make the XXXX ever month i quest interested only but when i do make payment over the phone or the internet .next month the XXXX is higher then the prier month. If I paying what they asking how can the payoff go up interested stay the same. SPS said that i sign some form from them, but I know I didn't sign nothing from them I asked for proof and they said they will send it to me that was i XXXX ago they saying we will send it. they don't have anything because i haven't sign anything from them i refuse to sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX