23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debit collector 's name is Portfolio Recovery. They have periodically been contacting me via mail or by phone to collect a debit that is over 18 years olds. They are past the statue of limitations and this debit is not even showing on my credit report any longer. Today I received a call at XXXX, the rep told me i am on a recorded line and asked for me by name. I ask " who is this '' they only told me there name. Then i asked " from who? '' Then they told me from portfolio recovery. They call every few months or so and also send a letter maybe one or twice a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Medical debt on my Experian credit report that is under {$500.00}. A statement they released stated all medical dept under {$500.00} gets dropped from credit report, and they refuse to do so without explanation. I filed a dispute and they left the debt on the credit report.
Product: Debt collection

XXXX XXXX XXXX CLAIMS THEY GAVE THEIR SERVICE TO ME IN THE STATE MICHIGAN. I HAVE NEVER BEEN IN THAT STATE SO I AM NOT THE ONE THAT THEY GAVE THAT SERVICE TO .SO I FEEL I AM NOT THE ONE TO PAY THIS BILL
Product: Credit card or prepaid card

I have a Citi Double Rewards card. I used it at a XXXX XXXX XXXX. I had XXXX rewards points removed from my rewards account automatically without authorizing or accepting the " offer. '' When I called the Citi XXXX rewards program, I was told it is an opt-out process for each transaction. They were willing to offer a XXXX time credit for the most recent deduction I noticed, but were unable/unwilling to " unlink '' the XXXX  offer from my account. I was also told that the XXXX program can not be separated and I can not opt-out of this or similar offers. I was told to consider using another credit card at XXXX, XXXX, or XXXX gas stations, as well as XXXX as they all have similar practices. 

The issue is that the XXXX program automatically gives less value other programs. XXXX gives a cash value of XXXX points  per dollar, as compared to XXXX points per XXXX dollar for other conversion options. 

I am complaining because the practice is deceptive as it requires specific action to prevent the action, and the conversion rate is not disclosed, making it impossible to understand that the conversion is actually removing value and essentially " ripping off '' users.
Product: Debt collection

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference : Harvard Collection # XXXX {$780.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing. 

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

Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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.

Experian 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : Capital One XX/XX/2018 XX/XX/XXXX. 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to fix my credit for some time now and I am very frustrated. There is something on my report from a bank called XXXX XXXX XXXX. I have reported before that I have never heard of this bank. And I have tried to fix this. My identity was stolen some years back and I have had issues since. I have to use a PIN number to file taxes now. Is there any way I can prove that I know absolutely nothing if this account and have it fixed? It really is not fair! I need help. And I cant get it. I am XXXX XXXX XXXX XXXX trying to save my home but with my credit I cant.please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Bank account or service

I have several checking accounts with keybank, somehow I got enrolled into the rewards program for all XXXX checking accounts. I called keybank and a gentleman Serviced my accounts he cancelled the rewards programs on all XXXX accounts and said I will receive a refund {$40.00} service fee for each account enrolled, that is should show up in 24 hours it is now several days. I called again and got a run around. I am no longer enrolled in the rewards program but they kept the {$40.00} service charge for the each of the XXXX accounts. the accounts in question is XXXX,XXXX,XXXX. I had planned to close XXXX of the XXXX accounts but I am waiting till this matter is resolved
Product: Credit card or prepaid card

I am a victim of identity theft. I recently received a copy of my credit report and upon review discovered the following account that was not opened or used by me : BANK OF AMERICA ; Date Opened XX/XX/2021 ; Balance {$8700.00} ; Account Number XXXX. I do not and have not ever lived at the address where this card was sent or used. This is not my account.
Product: Credit card

I was marketed a XXXX credit card. I accepted the offer. TD Bank issued the credit card. It is serviced by TDcardservices.com. So basically a bait and switch. I am now doing business with TD bank through Tdcardservices.com. I was led to believe through the marketing and the name on the card that I would be doing business with XXXX. This seems like false advertising/lying. I spoke with XXXX extension XXXX TD credit card department who was ignorant to these facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen XXXX. XXXX XXXX XXXX XXXX XXXX This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise XXXX. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items
Product: Credit reporting

I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Product: Mortgage

ON XX/XX/XXXX AND ON XX/XX/XXXX I WAS DENIED I APPLIED FOR A MODIFICATION TO SAVE MY HOME DUE UNSTABLE, UNCONTROLLED SITUATIONS IN THE PAST HOSPITALIZED WITH XXXX XXXX XXXX XXXX, LOSS MY BUSINESS, AND nOW THAT IM IN A MORE STABL E SITUATION FINANCIALLY AND CAN AFFORD TO MAKE PAYMENTS BUT CANT AFFORD THE REARS TO BE PAYED IN FULL FOR REINSTATEMENT. I HAVE BEEN DENIED ALL MODIFICATION PROGREMS. I CAN AFFORD TO MAKE REGULAR PAYMENTS, JUST CANT AFFORD TO BRING ACCOUNT CURRENT I NEED THE PAST DUE TO BE PUT IN THE REARS.
Product: Mortgage

My husband and I have had a loan with chase for about 6 years. Over this time there has been times we could not make our payments. This last time they had us re-finance. We were not told there would be a {$9000.00} addition to our note. XX/XX/XXXX my principal balance was XXXX. When we requested the pay off amount XX/XX/XXXX it was $ XXXX..We have recently sold the house. When I called Chase to give them our new mailing address for the escrow I was informed there was n't any funds in the account & that I owed them {$8.00}. Even though on my statement from them for XX/XX/XXXX I show a total of XXXX They said they paid my homeowners insurance which was {$2100.00}. Now I can do the math and the math does n't add up. I have been requesting all the documents from Chase & they will not send me what I am asking for. Now when I go in online I get a error message. I have attached all the info to prove there is wrong doing & Fraud on Chase 's part. I can send you more info if you 'd like. No one can seem to answer any of my questions when I call & trying to get help is unheard of.
Product: Credit card or prepaid card

I recently applied for a XXXX XXXX XXXX/XXXX credit card and was approved. The card issuer is Commenity Capital Bank. On the XXXX XXXX website, and on the Commenity website where you can apply for a card, it was advertised that if you spend a certain amount either online or in a store, you will receive 0 % interest for a number of months depending on your purchase amount. I made a purchase online on X/XX/2017 in the amount of {$620.00}, which qualified me for 12 months 0 % financing if the balance is paid off within the time limit. On the XXXX XXXX website during the check out process, there was only the option to enter a credit card, and no way of being able to specify if you wanted to take advantage of a promotion. At this time, I assumed the promotion would take effect automatically, and followed the check out process as it was presented to me. Here I will note that when I received the credit card in the mail, the letter on which the card was attached also advertised this promotion if you made a purchase online or in store ( and a number of other stores that are owned by the same Corporation as XXXX XXXX ). I recently received my second statement from Commenity Capital Bank ( the card issuer ), and realized that I have been charge interest in the amount of {$12.00}. I called them on X/XX/2017 and was told that the store should have indicated that I wanted to use one of the promotions. I explained that I had made the purchase online and there was no option on the check out process to select a promotion. The person I spoke to said that there was. I checked at that time, and there is not an option. After several conversations, I was told the only resolution I have to file an official dispute with the credit card company to try and recoup my money and to be transferred to a promotional program. I am still working with the company to get this resolved. My complaint is in the advertising that Commenity Bank and XXXX XXXX use on their website and various other platforms that states you may participate in a promotional APR when you make a purchase ONLINE and in store. It became clear that they had no way of honoring a promotional balance if you make a purchase online, and automatically charge you interest. I do not know yet whether or not they will refund my interest charges and transfer me to a promotional program, I have to wait up to 60 days and continue to pay interest until they make a decision. My issue is with advertising and not honoring a promotion. Thank you.
Product: Credit reporting or other personal consumer reports

A hard Inquiry made at XXXX XXXX XXXX on XX/XX/year> by someone who stole my identity has not been investigated properly & remains on my report. It affects my score. I have made multiple requests, have provided an FTC report, police reports, an identity theft affidavit, demand & dispute letters. Each time, the response is " the inquiry was factual '' in less than a day. No complete investigation report concluding to this finding is made available to me.
Product: Credit reporting or other personal consumer reports

Synchrony Bank/PayPal Credit closed my account but is still requiring me to make payments and allowing me to use the account. Additionally, they have reported my account as late on one or more occasions.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I won ( {$310.00} ) dollars on XXXX online sports wagering site. XXXX later I withdrew {$310.00} and deposited the money into my Chase account ( I've made numerous deposits into Chase in the past year from XXXX winnings ). 
Keep in mind, this is instant deposits within minutes to an hour. I go Chase to withdraw the money, they tell me, they never received it, and that they ( Chase Bank ) closed my account in XX/XX/year>. 
So, while in Chase Bank, I log into XXXX and cancel the withdrawal, and a minute later I call XXXX and they tell me that it's still pending and that if it's not in my account in XXXX hours call them back. 
I call back and now they're saying the withdrawal went through to Chase Bank, hence, a close account. Now Chase Bank is saying they never received it, its been 3 days.
Product: Checking or savings account

I have HSA account with https : //www.optumbank.com but there is zero interest rate that they pay on the money which is parked there. why is this? On the other hand they charge maintenance fees.

I want to invest this money in US treasury bonds via treasury direct so I can at least get some return or at least maintain the value of that money. Because inflation is also eating away this money. But there is no such option through the bank website or mechanism to do that. This issue is with all the HSA a
ccount managing banks who likely give kickbacks to employers so you can not even choose your own HSA bank.

This is total rip off of all the workers depositing in HSA accounts being pushed by IRS for tax saving purpose but yet there is no enforcement of ways to invest that money at consumer 's terms. 
Consumers of these HSA schemes is loosing money both in inflation and fees. 
You need to work on getting some protection for these consumers.
Product: Mortgage

Shellpoint did not acknowledge the legal document of Florida XXXX XXXX who was the loan holder of my loan. Attached is the legal document also with my response letter stating the loan is paidoff.
Product: Mortgage

i applied for a home loan through Chase mortgage. When doing so, they advised there was a {$500.00} fee to apply, which i paid via credit card, to cover expenses like appraisal, etc. All documentation was provided and an appraisal was ordered and completed. On XX/XX/XXXX, i began calling and texting in their chat window regarding questions about the refinance, rates and costs. I called several times and have 3 documented attempts via their chat function to ask these questions. They never returned a call nor answered any of the texts. At that point, i had to find a new lender because I had no idea of the status nor anything else regarding the rates and fees. i obtained a new lender and they advised we would transfer the appraisal to them, which i was fine with. Chase refused to transfer the appraisal. I then requested my {$500.00} back because they refused to help me with questions and would not allow me to use what i was paying for. They have also refused to return the {$500.00}. So they get {$500.00} from a potential customer, refuse to answer their questions, and then refuse to release the product they are supposedly paying for. Sounds like a scam from Chase and they should be reprimanded severely. I guarantee this is not the first nor the last time this will happen.
Product: Debt collection

XXXX. First National Collection Bureau sent me at least XXXX emails in one day
Product: Mortgage

Escrow manipulation ; Carrington Mortgage. Adding fees for there own.
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number has been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. # XXXX Send me an updated copy of my credit report and please block and remove all information from it. The following INQUIRIES were obtained through fraud that I did not authorize and are not mine : Delete unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

- On XX/XX/XXXX, I opened a new credit card with Wells Fargo and found out that my XXXX credit card was closed without my notice : no phone call, no mail, no email. I believe it was around XXXX - XX/XX/XXXX since that the last email monthly email I received from them. The account had XXXX reward points in it ( email attached ). 

- On XX/XX/XXXX and XXXX, XXXX, I contacted Wells Fargo customer service a few times and got the same answer that they could not find any information about the closed account. I went to a local Wells Fargo and had them filed an escalation. 

- On XX/XX/XXXX, I received a call from Wells Fargo saying that the account was closed because of a long inactive period. And that they could not do anything to get my reward point back.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error and resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.