23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received 2 collections charges on my credit report from collection agency called Ability Recovery Services for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to XXXX online and over the phone to XXXX XXXX XXXX and to Ability Recovery Services.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made 2 individual orders on the XXXX XXXX with the first order amounting to {$980.00} and the second amounting to {$1000.00}. Both orders included a cell phone trade-in box. After submitting back the phones, a credit of {$400.00} each was promised with the presumption that the phones were in good condition, paid off, and factory reset. On the XXXX XXXX, it is stated that {$400.00} was credited on XX/XX/XXXX, and the other trade-in was credited at {$400.00} on XX/XX/XXXX. The first credit is shown on my SynchronyXXXX XXXX account only on XX/XX/XXXX. The second credit was not posted to my account. Additionally, I had noticed a charge amounting to {$31.00} that I did not recognize with the same order number of the previous 2 orders that I did make. On XX/XX/XXXX I reach out to the online chat with SynchronyXXXX XXXX and initiate the dispute for my missing credit and suspicious transaction. On XX/XX/XXXX I receive a letter indicating that I " have already received the {$400.00} credit on XX/XX/XXXX '' but did not include detail about the other {$400.00} that is missing. I initiated an additional dispute on XX/XX/XXXX to indicate my missing credit along with the unknown charge of {$31.00}. The customer service representative assisted my to make a dispute for the missing credit and indicated for me to call a different number to make a fraud claim for the {$31.00} ; additionally they indicated the dispute balance was not to be calculated into my minimum payment until the investigation was concluded. After making the fraud claim, they indicated it will be reviewed. 
On XX/XX/XXXX I contacted the phone customer service support for additional detail and it was indicated that the investigation was concluded and the full balance was due ; additional information related to the " already credited {$400.00} '' went back and forth without consideration for the other {$400.00} that is missing. I requested yet another dispute and received an email letter on XX/XX/XXXX indicated that the dispute was open. 
As of XX/XX/XXXX, the full minimum payment is due and an investigation is supposedly ongoing. 

Note : My suspicion with the additional charge of {$31.00} is that this is an item within the 2nd order of {$1000.00} that shipped very late and charged an additional time once it was sent out. It is the same total cost with tax, but was already included within the original order.
Product: Credit card

As a long-time patron, I had high hopes for superior customer service from this American Express credit card company . Unfortunately, after experiencing my first missed payment in 8 years, I was disappointed by their refusal to waive late fees and interest charges. Moreover, their representatives displayed an unhelpful and indifferent attitude as Ive let them know that youre leading me to not use your card anymore and they seemed to be fine with that and did not offer any assistance in keeping their loyal customers.
Product: Credit card

I have XXXX complaints about that XXXX  CITI company. 
XXXX I received an email and was expecting to receive a reference letter. I called and asked the agent if I could update my home address because I just moved about a month ago. She suggested to me to go to the post office, but I can not tell which one of them because there are two offices near my previous address. She still forced me to do it. So I XXXX XXXX XXXX and called her an XXXX. 
XXXX They left me no choice, but to close my account. I went to the branch and see if they could do something for me, but the banker wanted me to call. So we called together and tried to close my account, but the other agent is being a jerk also. She recommended me to receive a reference letter before closing an account. That doesnt make any sense. There should be a way to close my account. I told her that it was all on her and her coworkers for ruining my life and my vacation plan. I wanted her to say that it was her fault, but she said no. She wants to deny the truth. It IS their fault for letting me down. 

I blame the CEO for this too. He or she should never recommend anyone to receive the reference letter for verification
Product: Debt collection

XXXX - id # XXXX spoke with XXXX XXXX XXXX XXXX- {$1000.00}. XXXX XXXX XXXX account sent date - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX would not tell how many times they texted or call this number. 
XXXX On XX/XX/XXXX - A third party sent me a screen shot of a text she received from a company outlining that they were a debt collector, listed company name and who they were collecting on behalf of. Allowed her to tap a link and gave reference number which then allowed her to see all of my information. This number is not listed nor has ever been listed as a contact number for me. 

Text was sent XX/XX/XXXX at XXXX, XXXX ID XXXX XXXX stated he would have XXXX  reach back out within XXXX hours, and they never did. Company has taken no steps to rectify this mistaken. Was extremely embarrassing and hurt my relationship with my business partners.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DP OF EDUC US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report, and saw inquiries that I did NOT authorize. I am requesting that these inquiries be removed immediately. Below are the following inquiries that need to be removed : Inquiry date : XXXX Creditor Name : XXXX XXXX XXXX XXXX date : XXXX Creditor Name : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
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

I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.
Product: Vehicle loan or lease

BRIDGECREST Acceptance Corp has committed fraud, theft and unlawful repossession, and extortion along with mail fraud amongst violating Regulation Z, FDCPA, TILA, EFTA, ECOA, Collection of extensions of credit by extortionate means. BRIDGECREST Acceptance corp also has committed identity theft for the alleged car loan, which is a fraudulent loan using my identifying information along with my credit card. BRIDGECREST Acceptance corp claims to have lend me money or lend me credit for the purchase of my vehicle, when in fact federal law proves they haven't and can not legally or lawfully according 12 usc 1431. This vehicle was purchased on credit during a consumer credit transaction which BRIDGECREST Acceptance Corp fraudulently misrepresented as a alleged car loan. BRIDGECREST Acceptance Corp is not a financial institution, it is a debt collector and has committed larceny stealing my vehicle and extortion demanding I pay the alleged debt in full to get my vehicle back before BRIDGECREST Acceptance Corp sells my vehicle. BRIDGECREST Acceptance Corp used a unauthorized third party to steal my property and has not revealed where my stolen property is being kept.BRIDGECREST Acceptance Corp is not a creditor it is a assignee of the alleged contract which was fraudulently concealed as a loan .BRIDGECREST Acceptance Corp is criminally liable for knowingly and willfully giving false information in regards to Truth in Lending Act disclosures about the alleged required down payment of {$2600.00} cash which was fraudulent and intended to deceive me and violated 15 usc 1605a Finance Charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow your to file a dispute reference am error on your report.   ive tried numerous time but I continue to get a message that they are unable to help and to contact them when you call them you are placed on hold and then dis-connected
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 late payments because i never received the bill. I changed my address with the company but still never got my bill. This caused the payments to be late. They have also said they would work with me on the late payments but haven't removed them.
Product: Bank account or service

XX/XX/XXXX I have an IRA with PNC Bank ( Investments ) in CDs at Acc. # XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, I received the required minimum distribution ( RMD ) from PNC since certain funds were available in the Acc. as cash. 
XX/XX/XXXX, I received {$9000.00}, from PNC XXXX to the extent cash was available in the Acc. and the rest was in CDs. 
XX/XX/XXXX, I spoke with PNC agent, on phone, at which time I was told XXXX CD has matured a week ago, and the cash is sitting in the Acc. ( at a nominal interest ). 
As soon as I saw PNC statement for the period XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, I tried contacting PNC agent on phone and thru email ; after couple of days we spoke on phone and I reported the issue that 'I have not received the balance RMD due per the statement ( {$23000.00}. ) '. 
After 2 to 3 weeks of phone calls/emails, PNC sent me a check for {$23000.00}. as part RMD for XX/XX/XXXX which I did n't cash it, yet ; and requested PNC to send me a revised Form XXXX for the full amount of RMD. 
On, XX/XX/XXXX, in a phone call, PNC agent declined to issue a revised Form XXXX Thus, PNC is making me liable for IRS penalty of XXXX % on RMD : see what-else PNC did in this matter. And the issue is " who is responsible for the failure in RMD under this situation? '' On XX/XX/XXXX, PNC agent sent me a letter by XXXX which says we " will now consider this matter closed '' and attached a letter dated XX/XX/XXXX which says " If you have satisfied your RMD requirements for this year, no further action is required for this year. If not, you may have to withdraw your RMD by XX/XX/XXXX or you could face an IRS penalty equal to XXXX % of the amount that you fail to take '' I wrote to PNC " I did n't receive this XX/XX/XXXX letter, if you have sent it to me please send me a receipt to verify '' PNC always sends letters thru XXXX, never in US mail. So, PNC could n't provide me proof of delivery of this letter -- because, this letter was never sent to me.
Product: Checking or savings account

My ex stole my DL a while back along with my SSN. And while I was XXXX  she and Someone elce was cashing checks and also mobile deposited checks in my Bank of America account l, I can not get accepted to open any bank as many times i try I always get denied or it gets closed out of no where for no reason
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the inaccurate information currently reported on my credit file. Despite submitting previous disputes regarding these same issues, the inaccuracies remain unresolved, and my credit report continues to reflect incorrect data. 

I am particularly concerned about the ongoing problems related to the inaccurate reporting of the negative accounts listed on my credit report, which have not been corrected after multiple attempts to resolve them. I have already provided supporting documentation that clearly demonstrates the errors, yet the information remains unchanged. 

I would like to draw your attention to a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB accused Experian of failing to properly investigate consumer disputes and of providing inaccurate and misleading credit reports. The ongoing issues with my credit report are in line with the very problems highlighted in that case, and I believe this situation requires immediate attention and thorough investigation. The CFPBs actions underscore the need for Experian to adhere to the Fair Credit Reporting Act ( FCRA ) and to ensure that all information reported is accurate, complete, and up to date. 

As required by the FCRA, I am requesting that you conduct a thorough reinvestigation of the disputed items on my credit report, relook at my evidence that was submitted and remove the account based on inaccurate reporting information as well as reporting information that is different on all three credit bureaus.
Product: Debt collection

My complaint is that the representative for XXXX XXXX XXXX continues to repeatedly call my employer numerous times. Calling right back after they hang up. I have told them that I work for a school district and my employer does not approve of such calls. The representatives name is XXXX. His number is XXXX. He has started getting rude with the secretaries at the school. I tried talking with them but they could n't give me a date of when this supposed loan went through not the name of the company. They will only tell me that it is XXXX XXXX is a subsidiary of the company they are calling for. They could NOT produce any documentation that I had agreed to. They just said I owed {$720.00}. They will only provide the attachment I have sent. Anyone could have made this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.
Product: Mortgage

I got a mail from Entrust Funding regarding my Refinancing of my home. 

I called them and gave my SSN details, my firstname, last name and Annual pay.

Later i released it's a spam mail. 

I want my all details and information removed from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was in charge of my student loan. It then got transferred to XXXX because they took over for the government on servicing loans. XXXX XXXX XXXX  is reporting that my account is more than XXXX delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at XXXX XXXXXXXX XXXX. The line rings busy. Both transunion and equifax refuse to remove it from my report but I had never been late.
Product: Mortgage

XXXX XXXX, 2016 Dear Sirs, Please help me! I 'm a XXXX old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys into foreclosure. I was working with JP Morgan Chase to apply for a HAMP Loan through the HOPE organization. I filled out form after form, sent them back and never heard from Chase for my Trial Payments. JP Morgan Chase put my home into foreclosure. 
I called JP Morgan Chase in XXXX of 2016. I told them I wanted to send payments to them, but they would not accept my money and would n't talk to me or my son after that. The attorney for Chase, XXXX XXXX. XXXX in XXXX, VA, would not talk to me or my son either. We would leave message after message and nobody would call us back. I could n't find an attorney who would take my case against JP Morgan Chase, so I went by myself to the Court in XXXX XXXX, Virginia, and did the best I knew how to defend my rights. Of course I lost. I have been fighting for the past year to keep my home of 37 years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it once the home is foreclosed on. I do n't believe that! 
After researching on the internet for help, I stumbled upon the The National Mortgage Settlement. I 'm not asking for a class-action money claim, I just want to be able to send payments to continue paying for my Home Equity Line of Credit and keep my home. Because of the tremendous onslaught of applications from the Obama HAMP Program, these applications were not being processed for new loans. They were immediately thrown into foreclosure status. XXXX article said " employees were given bonuses '' based on how many homes they foreclosed. In my opinion, there 's a huge conflict of interest there. What motivation is present from employees to process loans, when they can receive BONUSES for putting them immediately into foreclosure. That is how I got into the situation I 'm in now. The court is trying to evict me. As I write this, a sheriff is trying to give me eviction papers today, XXXX XXXX, XXXX. I do n't want to have to leave my precious home where I have lived for 37 years. I do n't see why I have to give up my home, when the fraudulent practices of JP Morgan Chase, my lender, and XXXX other huge banks and lenders committed fraud by doing these practices. 
I have attached an article from the XXXX XXXX. Please help me! Do n't ignore me. I 'm not a bad person, I just want my home. Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account