23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lost my employment in XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XXXX ), I started a debt management service in an effort to pay all remaining debts. Synchrony Bank was the holder of 2 of my accounts ( Lowes and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, Lowes is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX  for the Lowes account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact XXXX  XXXX XXXX XXXX XXXX, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or XXXX XXXX XXXX XXXX were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that XXXX XXXX XXXX XXXX continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
Product: Credit card

Tuesday, XXXX XXXX, 2016 Dear Consumer Financial Protection Bureau : I must file a complaint against my bank PNC. The bank has dug up my records and called my mother tonight at XXXX EST regarding my credit card. I know that I have rights and one of them is to not to involve my family. I have never provided PNC with my mother 's phone number because we live in different states. This is intentional way of scaring me and bullying. Moreover, I experienced fraud in XXXX 2016 with PNC and filed a previous CFPB complaint. Here is the case number : XXXX. PNC knew about my bank fraud situation because on XXXX XXXX, I filed a fraud complaint with PNC. Obviously, this is intimidation. This has just happened tonight. I will provide more information if and once it becomes available to me. 
CFPB can contact me at either my email or my phone. My phone is XXXX. My email is XXXX. Thanks. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I placed a couple of orders with XXXX XXXX XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. i contacted XXXX XXXX XXXX and contacted the Representative, This was my second attempt to resolve this issue. This is very strange. If you click onto the Transaction ID Number it will give you the confirmation number for the order placed. I was provided with the XXXX XXXX XXXX XXXX confirmation number by the XXXX XXXX  Representative, order placed on XX/XX/21 XXXX ( XXXX ) order was placed by me order placed on XX/XX/21 XXXX ( XXXX ) order was place in me It appears I was charged double for the XXXX on XX/XX/21 All orders are showing pending? 
Please see attached documents
Product: Credit reporting or other personal consumer reports

The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the XXXX major credit bureaus XXXX, Experian, and XXXX. This settlement resulted in the creation of the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). 

XXXX mandated that the XXXX credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every 90 days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a landlord obtained in XXXX on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency ( eastern account systems ) is attempting to collect a debt from XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
Product: Mortgage

I believe the previous owner, sellers agent, & my agent conspired to hide information about my house. 
After I closed I found out there is extensive termite and foundation damage. This caused me to look deeper, I discovered that the XXXX & XXXX XXXX are beyond the end of their useful life. This info was never disclosed prior to closing. It is my understanding that XXXX mortgages require a house with XXXX  years of useful life on major systems. 
The termite damage can not be repaired, the foundation probably needs {$50000.00} in repairs, the XXXX XXXX might be {$3000.00} to fix. The XXXX might cost {$15000.00} to repair. Because of the termite damage the total cost to make all repairs will exceed the value of the house.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX, for committing Fraud. I have never given XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX XXXX XXXX to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. U.C.C 3-602/U.C.C 3-603/U.C.C 3-311/U.C.C 3-419/U.C.C 1-308/12 USC 411/ According to pervious response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in XXXX XXXX XXXX  conducts regular review of our customer accounts and on XX/XX/2022, in accordance with the terms and conditions of the XXXX XXXX which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage.

Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. 

The company stated I must pay in XXXX XXXX and I know that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the currency of a nation in the form of paper money. XXXX XXXX is considered valid for payment of any financial obligations. XXXX XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is XXXX XXXXr, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt. The act of tendering the payment in XXXX XXXX  discharges the debt.
Product: Credit reporting

I have tried gaining access to my free credit report for the last few years with experian and equifax to no avail I had tried just in the last 30 days and was denied. The OOW out of wallet questions that are asked have nothing to do with me so I am unable to confirm what is actually on my creit report and have no way of resolving this matter over the phone with either agency which I find to be a joke. They want me to mail, not fax oir email, but mail them all of my personal information to try to obtain my own information which I am not okay with doing. If there is a way that I am able to get this issue resolved i would love to know how since i have been unable to find out how to get this fixed on my own.
Product: Vehicle loan or lease

Hello Im reaching out today, in regard to my gap insurance needing to be canceled through Rategenius. Rategenius has informed me that I cant cancel my gap insurance and receive a prorated refund because after 60 days of purchase gap insurance is non-refundable I was never verbally informed of this when adding gap insurance through RateGenius. What happened is that I recently refinanced my vehicle again this month through XXXX on XX/XX/XXXX. Since I refinanced and was approved through XXXX I no longer need gap insurance through rategenius. The problem is Rategenius isnt allowing me to cancel the gap insurance through their company. XXXX laws states that all gap insurance policies can be canceled and pro-rated refund would be issued. My next issue is that both companies that I have refinanced with used the same exact XXXX XXXX but somehow with RateGenius its nonrefundable and with XXXX its refundable even though its the same exact company. All I need is assistance with getting refunded because my new Lien holder has added gap insurance within my new loan therefore I no longer need the gap insurance throuXXXXh RateGenius. I  am owed around {$700.00} Thanks! 

Refinanced with RateGenius on date : XX/XX/XXXX GAP XXXX : XXXX XXXX  XXXX : Nonrefundable after 60 days. 

Refinanced with Caribou on date : XX/XX/XXXX GAP XXXX : XXXX XXXX, XXXX Refundable after XXXX with prorated amount
Product: Credit card

I applied for a Best Buy Credit card. 
I was denied by CITIBANK. 
I was not aware that I was applying to CITIBANK, I subsequently discovered that Citibank was mention on the app in mice print as the " issuer '' of the card. No identified as the " decisioner '' If i was aware, i would not have applied. 
I wanted to apply for a Store Card, not a Bank Card as their criteria for acceptance is generally lower and they do not usually do a HARD inquiry on my credit. 
Immediately ( with 1 minute ) I called Best Buy/Citibank and requested that my application and subsequent HARD inquiry on my XXXX credit file be withdrawn. 
I spoke to XXXX different operators/supervisors (? ) was told that " the SYSTEM has already DECISIONED my application '' and it could not be manually removed.
Product: Mortgage

My loan was modified years ago. Under pressure, I signed whatever they asked me to sign. I just realized the terms had the rate shoot up to 4 % and included a significant balloon payment. This was done when I experienced hardship years ago. The loan has changed hands since modifying but I want help examing the predatory lending terms on this modification. XXXX was the company that modifying, but Select Portfolio Servicing is over the loan now.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union regarding the multiple overdraft fees I have incurred. Despite having sufficient funds at the time transactions were authorized, I have been charged fees due to delayed posting of charges and credits. This situation appears to align with the recent findings from the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices at Navy Federal, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unjust and respectfully request an investigation into my account transactions. Thank you for your attention to this matter.
Product: Credit card or prepaid card

In XXXX XXXX  XXXX I called Alliant Credit union because I was not getting 2.5 % cash back. I had done and was doing everything the representative told me to get the 2.5 % cash back. In XXXXXXXX XXXX XXXXXXXX noticed I was getting 1.5 and not 2.5. I Called Alliant and they fixed the issue and apologized for not giving me the 2.5 % and credited me the correct amount. I was told at this time I was on 2.5 % cash back and would remain at that cash back rate as long as I followed all the rules. ( have a balance of {$1000.00} make a monthly deposit and have E statements ) I have followed all of these rules ever since the phone call in XXXX but I was placed back on the 1.5 % cash back. I called XX/XX/XXXX to make sure I was still on 2.5 and found out I was on 1.5. The representative told me he could not see a reason I was not on 2.5 and would contact me and let me know the results of their research. Nobody called me and today XX/XX/XXXX I called and was on the phone for around 1 hour trying to have someone explain to me why I am not at 2.5. After several explanations that changed several times I was told it was because I didn't have a balance of {$1000.00} in my account for a few of the months this year. However when I had the representative check my balance he confirmed that I have always had over {$1000.00} balance. He told me he is going to have to do more research and get back to me... .This is what I was told before so I am skeptical anything will come of it and I am afraid this company is cheating me and other customers out of 1 % almost 1/2 the cash back they are promised. In addition to this I have had to spend 15 plus hours on the phone just to try and correct the mistakes Alliant credit union has been making.
Product: Credit card

I have apparently had a credit card account with First Horizon bank for years, but, I have never received or used their card. Once each year I reveive a bill for an annual fee of {$45.00} dollars, which is paid through my checking account with another bank. That bill for the annual fee is mailed to my home and does not include the full credit card account number, only the last four digits. 

I have tried multiple times to contact First Horizon and was once told that the account was closed. I have just received another bill, however, and I'm told that no one can discuss the account or close it for me without the credit card number, which I do not possess. At this point I'm apparently paying them $ XXXX for nothing at all. 

I don't live anywhere near a physical branch, in fact, there does not appear to be any First Horizon banks in my state of Pennsylvania. Surely there must be some way to close this account that I've never used.
Product: Credit reporting or other personal consumer reports

I have been working with Experian for the well over a month in an effort to 1 ) correct information on my credit report and 2 ) to set up online access to my Experian account. I have been unsuccessful in establishing an online account, repeatedly receiving error messages or told to call Experian 's toll free number, which only leads me to an automated system. I attempted to send an email about the issue, only to receive an automated response, once again directing me to the toll free number.
Product: Credit reporting, credit repair services, or other personal consumer reports

So all 3 Credit Bureaus continue to ignore my request for dispute by not completing a full dispute, its kind of disturbing to know how a credit bureau can complete a dispute in less than 5 days. That tells me the dispute is not being done correctly and not being done in accordance with the law and my rights. This complaint has been created because there is two issues with my credit files that keep getting ignored.

1. The credit bureaus continue to allow XXXX XXXX XXXX to report false numbers to them, I due not owe an outstanding balance or am I late or ever have I missed a payment. The loan was restructured and while it was being restructured the false numbers where being reported, I am current with XXXX. 

2. All of these fake hard inquires have appeared on my credit file I have only submitted 2 for this year not over 10 like is being shown. Only credit Inquires that should show on my file is a XXXX XXXX and XXXX XXXX that is it, The Credit Bureaus have seeked and sought to destroy my credit files by allowing these inquires to hit my report while my report was in frozen status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXXt has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Product: Credit reporting or other personal consumer reports

jefferson capital system has placed a fraudulent collection for {$390.00} on my credit report XX/XX/XXXX. I have never received any documentation about this debt. They claim it came from XX/XX/XXXX from an account in XX/XX/XXXX, but I contacted XXXX, and they confirmed that I don't owe the nothing. jefferson cap sys has provided no proof and is damaging my credit.
Product: Credit reporting

I was in a car accident with my XXXX Honda Civic and it was a total loss. The car was paid off by the insurance company but my credit report still showing the car lone is unpaid. So I would I the information to be updated and to have my credit score adjusted.
Product: Debt collection

Acima Leasing XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX UT XXXX. XXXX - XXXX XXXX for XXXX via XXXX XXXX continues to harass me for thousands of dollars in appliances. A delivery I cancelled with the delivery company, XXXX XXXX on or about XX/XX/year> via telephone at XXXX & XXXX. Those items were never delivered as a result of that request and returned to XXXX. Acima REFUSES to corroborate this information, review or investigate and calls me repeatedly 6 or more times per day on average. I have done everything in my power to resolve this issue in a timely and courteous fashion. The leasing company has not been receptive to the information, a willingness to even attempt to verify the debt or cooperate with me in anyway. In the Invoice attachment " Items to be shipped '' were not now nor have the been received. This order was CANCELLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I am requesting the block of fraudulent information from my credit report as mandated by law! Particularly the FCRA XXXX XXXX. The following items were not authorized by me and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9800.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX XXXX Original creditor Opened : XX/XX/XXXX Amount : {$100.00} Attached are copies of my identity theft report. ( Which by law is all that is required ) Please block this fraudulent information from my credit report, refrain from reporting these items to others, and send me an updated copy of my credit report once this is done. This is my second attempt at resolving this with your company, but you knowingly and willingly gave me false information stating that my documentation was not suffice, however after consulting with an attorney, he told me they were, I am hoping that your company abides by the law this time and do what is required for you to do by law! 

Thank you for your cooperation in resolving this issue. 

Enclosures : Identity Theft Report, proof of identity and proof of address.
Product: Credit reporting or other personal consumer reports

The account listed on my credit report, XXXX, with Capital One, has already been paid to the current creditor, XXXX XXXX. The original creditor was Capital One, but it was transferred to XXXX XXXX, and I paid the balance on XXXX. The account is still listed as past due. This needs to be corrected and removed from my credit report. Thank you very much