23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX of this year, I completed my Chapter XXXX bankruptcy. Being a single mother, it was a struggle but at the end of it all, I was proud of myself that I fulfilled all the conditions and still had a roof over my head for my son and me. However, in XX/XX/XXXX I began the process of refinancing my home and in doing so, discovered I was behind 3 months on my mortgage payments. This was news to me as I had NEVER received any type of notification, nor phone call ; nothing, to advise me that I was behind! While on a three way call with my mortgage consultant on XX/XX/XXXX, the Ditech representative told me a letter was sent to my lawyer regarding the changes to my account in XX/XX/XXXX. As I reviewed the letter I noticed I was not CC 'd on it. What if my lawyer was sick, what if it went to the wrong address? Lots of what ifs but should n't I have been contacted????? The payments went up from {$820.00} to {$1100.00}!! That is {XXXX}!! It may not seem like a lot but raising a child on my own, I have to count EVERY PENNY and this just killed me!! Then I was told that to not have it reported to credit, I needed to pay {$3200.00} to stay current! It took me 5 years to build my credit in hopes to have some freedom and now, to save my credit, I had to take out money from my 401k to cover those " late payments ''. Even after the fact, not one letter, phone call, nothing to advise me that I was behind!!!!! This not only ruined my hopes of building something better for my son and I but it has damaged my credit, ruined any chance of getting a refi for a year, etc. If I would have known about these changes, I would have paid the correct amount and saved myself this problem. Now, they wont do anything to help me!! In looking at my statements, nothing shows that my payment went up!! I asked why I was not contacted and they said it would be considered soliciting. Funny how other companies dont have a problem calling. I sent an email to my bankruptcy lawyer on XX/XX/XXXX asking for advice but have not heard anything. 
All I ask is that they take into consideration why the full amount was not paid because Lord knows if I would have known, I would have paid the correct amount. If they could reverse the negative impact on my credit score and note that the mortgage payment would have been paid on time ( if I knew about it ) I would be ok but it just floors me that not one phone call nor mailed document was sent to me to prevent this from happening!!! Now, I have to wait a year to refinance because Ditech shows me as being 3 months behind on payments. Almost {$1200.00} to pay my mortgage with no accessibility of getting that adjusted due to THEIR error!! I can barely make it as it is and now they can pretty much do what they want because they have me locked in again!! Its simply not fair!!!!! They should not be allowed to do this!!!
Product: Credit reporting

Transunion is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX XXXX, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
Product: Bank account or service

I looked at my bank account on my app and it said a {$12.00} transaction happened yesterday at XXXX but I 'm the only one with the card and I have n't made any purchases. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF  PROTECTION AND RIGHTS, THE MACYS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion, at least 5 times trying to get this resolved. I have spoken with supervisors and reps and nobody seems to be able to help. I have sent this report, at best, 7 times to them and they refuse to acknowledge the paperwork that was sent to them even though I have return receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did not authorize the creation of these accounts and suspect them to be potentially fraudulent. I kindly request that you thoroughly review them and promptly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called XXXX, and XXXX  to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Bank Equifax XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX Experian XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX F Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX
Product: Vehicle loan or lease

This company Consumer Portfolio Services has been ripping people of and preying on people with bad or no credit. They manage a subprime lending group to finance individuals in need of autos so they can deal with dealerships that sell used cars and then they get funds from the sale of the cars along with the dealer. I have a loan with them and was told that it is a simple interest loan with more interest going toward the payment than on to the principal. Most individuals are upside down on the loan because of the interest being so high and it is ridiculous. They also charge an extra 12 dollars just to use a debit card or electronic check unless you use their service XXXX that is located in stores such as XXXX, or XXXX XXXX and it has to be cash to use these services. I am also inquiring about how the manage to put my account in arrears a few months ago when they told me that since the car stayed broken down that they would put 2 of my payments toward the end of the contract. They are ripping poor people off.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I received a text message to verify a charge from my bank that was in fact not me. Upon receiving this, I checked my banking to see several charges I did not recognize. After that I went to verify my card was in my possession and noticed that both my XXXX XXXX and my Credit Card were not in my wallet. I shopped at XXXX earlier and I believe the cards were likely lost at the store or in transit to my house. 

Notified Chase of the lost card same day, a temporary refund was issued. about two months later the charges were re-billed as I " shop at XXXX often '' however several charges occured at stores I've never been to during times I was at work nearly 100 miles away. Chase, ignoring all of this information stands by their assessment these charges are valid. On a follow up call it was suggested that I go down to XXXX and get surveillance footage, something that should have easily been part of their " investigation ''. I am also able to provide detailed logs of where I was on these dates in question which will validate I was at work. 

I went to XXXX last week to secure footage as requested at which point XXXX notified me they only keep footage for 60 days, had Chase done their job right in the first place we'd have video footage of the criminals, instead they tell me more than two months after the fact that's my job to prove i'm not a party to the crime. XXXX was able to provide copies of the receipts from these transactions, so we at least have an itemized list of purchased items, Chase ( or an officer ) is welcome to come to my house and validate I do not own any of these items. 

Further, I am filing a complaint with the FTC due to the improper businesses practices on behalf of Chase in this matter. This is a very straightforward case of me losing my cards and someone taking advantage of the situation. According to the fair credit act ; My liability is to be limited to {$50.00} as I reported this fraud within 24 hours of becoming aware of said fraud. Additionally the FCRA explains in plain english that if the card issuer believes me to be lying about these transactions they have the burden of proof in doing so. Thus far the only thing Chase can provide as " evidence '' is I've shopped at a store that in 2019 had 94.5 Million members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please remove the late payments from this account :
Product: Debt collection

Citibank called my father, whom I do not live with and disclosed personal information about my debt and being behind with my bills. The third party ( father ) was informed about how much I owe them. They leave robocall messages on my phone every day, and do not make themselves accessible for me to try to call back at an appropriate time that allows me to solve the issue.
Product: Debt collection

Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me. If so, these bills were paid by my medical insurance, which I do have. I'm covered by XXXX XXXX of Louisiana and previously covered by XXXX XXXX XXXX. 

However, if these belong to me which I doubt. They would have been paid for by my insurance if the companies did not make mistakes with their billing procedures which is evidenced by other customers in the area.
Product: Credit card or prepaid card

I have 2 accounts with PayPal and have learned that if I practice my Constitutional right of free speech on my personal social media, they will charge me {$2500.00} each time. This is a felony offense and I demand that theyre immediately investigated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX  XXXX
Product: Debt collection

I received a call from a no called Id number I get calls from drs offices so I answered. A woman on the line said I was going to have some sealed documents served to me on XX/XX/year> at XXXX and I needed to speak with the filling entity so she gave me a phone number to call. So I dialed the number she gave me XXXX and the same woman answered and lied about not speaking to me and connected me to a debt collection agency. They agent with debt collection agency said I did not speak to them about that like that and didnt know what I was talking about being served papers. Its false representation of a legal representative to be able to serve documents. After tracking the account down the debt collector name is FINMAX and a secondary one called XXXX formerly know as XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified fraudulent account : XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX. 
THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR XXXX  XXXX VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Product: Debt collection

I checked my XXXX  report today and there is a company named Sunrise Credit Services out of XXXX New York which reported this XX/XX/XXXX for {$4900.00}. First off, I have not ever heard from this company about any alleged debt for this XXXX XXXX. I am currently in good standing with the Department of Education paying back my student loans for the schools I attended. I also have the Department of Education looking into this. Second, I have NOT received any correspondence from this company by mail nor have they contacted me by phone. The question is what name and address did Sunrise Credit Services send this information to and when? I know for a fact that this company did not notify me because my last name is changed. I've been married since XX/XX/XXXX and recently moved back to Texas in XX/XX/XXXX. I am disputing this negative charge on my report. It is so disheartened that companies can continue to place negative information on someone's credit report with out giving the consumer a chance to dispute. I do not owe this alleged debt nor do I wish to work with this Sunrise Credit Services because they are doing fraudulent business for something I do not know anything about nor owe. I have disputed this with XXXX as well and will being sending a dispute letter the company today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax asking them to correct mistakes on my credit report. They were supposed to conduct investigations, and respond within thirty days. They have not done so.
Product: Credit card or prepaid card

A ccount number : I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  60 days XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects two different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates 15 U.S. Code 1681, in which I may be able to receive up to {$1000.00} for punitive damages for each violation.

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AD Astra Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and Assignment Contract Dear AD Astra Recovery SE, I am writing to request validation of a debt that you claim I owe. In particular, I am seeking to verify the legitimacy of this debt and your authority to collect it. To this end, I request the following information : Proof of the Debt : Please provide a detailed statement showing the amount owed, including any interest, fees, or other charges.

Name of the Original Creditor : Please provide the name and contact information of the original creditor to whom the debt was originally owed. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that shows that the debt has been legally transferred or sold to your agency. This should include any relevant details proving your right to collect on this debt. 
Details of the Account : Please provide account numbers or any relevant account details associated with this debt. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide this information within XXXX days of receiving this letter. During this period, please cease all collection activities until you have provided the requested validation. 

Please respond to this request in writing to the address listed above. If you are unable to provide the requested documentation, please acknowledge that you will cease any collection attempts and remove any negative information related to this debt from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My identity was stolen and a personal loan was taken out in my name. Upgrade did not require in-person identity verification, only an " online signature '' using information that was easily stolen. Upon request, they provided a statement showing what was used to procure the loan and it was bank account numbers and routing numbers and social security numbers that were exposed in a breach early in XXXX. They were less that helpful in their response.
Product: Credit card or prepaid card

I called Capital One to explain I had lost income due to Covid 19 and asked about programs to prevent the interest rate from continuing to accumulate. They could do nothing for me. My other card has no interest for a year so I decided to pay the fees to transfer the balance from Capital One to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent the money to Capital One on XX/XX/XXXX ... Capital One continued to charge me interest on the over {$2500.00} and did not process the balance payment until XX/XX/XXXX. 10 Full Days is a ridiculous amount of time for them to continue to charge me interest during such a horrible time. Their lack of compassion and willingness to assist a client in a difficult situation cost me over {$100.00} in fees to transfer funds. I don't feel I should have to pay interest on that balance for all those extra days they chose to take their sweet time squeezing me for more $ XXXX 

I tried to call them but they said it would be over an hour on hold to talk to them. I decided I would handle it in a more time friendly efficient manner.
Product: Student loan

My auto draft payment was taken out twice on the same day and they will not reimburse me for 4 to 6 weeks. This is putting a financial hardship on my family.