23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collection agency is name XXXX XXXX XXXX, who also hired another company name XXXX XXXX XXXX XXXX XXXX. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXXXXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I was told that insurance I signed up for and was paying for would cover my payments if I lost my job. When I lost my job and tried to put in a claim I was told I was denied because I didn't qualify for unemployment. I didn't understand because the point of the insurance I was told was to help me with my payments if I couldn't make them due to losing my job.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have tried for two years to get a proper credit report from both trans union and XXXX and I am told that my address is not on my credit report when its been on my report the entire time I have also asked to be able to access my report online and they have blocked it even after me sending my identification and social as well as my address in I officially relocated to Florida effective XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I updated it on XXXX and I will put the proof in where asked but my former address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am requesting that my credit report be updated and corrected to reflect my current XXXX XXXX immediately as I have had several negative items deleted from my credit report trans union and XXXX are both in violation of 15 us 1681 and I will be seeking verification and damages for my consumer protection
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my 2 direct deposits from my employers. Capital One has cited technical issues that may violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws. I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit card

XXXX ( beauty company ) conned me into a " trial package '' for a certain type of treatment in XXXX of this year ( 2024 ). I was told I was registering for a " payment plan '', and was never once charged, and never once gave the company ( XXXX ) any payment information. I was promised that if I enjoyed the first visit, I would be able to pay the " payment plan '' on a monthly basis. I then did more research, and learned that this company frequently scammed people, and did not want to visit. I cancelled my appointment both on the phone, and via email with multiple representatives. Two months go by, and I notice that my credit score had gone down XXXX points! I soon figured out that XXXX had used a credit card company to open up an account to charge $ XXXX under my credit, in my name. I then urgently contacted every single person and company I needed to, including all 3 credit unions via disputes on their websites and physically sent in evidence that the account was opened fraudelently. I got confirmation from the representative from XXXX that I had intitially spoken to that there was a " miscommunication '' and that she would be alerting XXXX to close my account. I spoke on the phone with XXXX to set up a dispute. I got a letter in the mail the other day stating it could take up to 90 days to resolve the dispuite. XXXX has settled my dispute but only partially, and I am still seeing a {$74.00} balance on the account. I defintiely need to make sure my credit score reflects what it used to be, ASAP. Via the XXXX dispute results, I was directed to create a report here. Please advise! I would love all the help I can get, here. It's been a headache! 

Thank you in advance. 


Best, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion will not remove fraudulent inquiries even after I submitted my ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to request feedback regarding complaint filed with information on credit report. Company failed to verify, comply and respond according to FCRA Guidelines.
Product: Debt collection

This company is keeping trying to contact me to collect money from me for something that doesnt belong to me. I asked them to sent me a proof of a signed agreement or letter or any bill I owe but the refuse. I asked them to stop calling me but theyre keeping calling me. Please I need help
Product: Credit card

HSBC BANK Credit card, Account number XXXX Date Open XX/XX/XXXX credThis account is over 7 Years old no payments was made on this account since XX/XX/XXXXi have ask for validation and they have refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, Equifax and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Product: Mortgage

BOA has refused to pay the settlement of this class action suit for 2 years. The original check was lost during a move. They say they will send a new check, but never do. My reference number of last phone call and request is XXXX. Please have them pay the money due and since it has taken 3 years interest for that time period in addition to the settlement fee.
Product: Credit reporting or other personal consumer reports

hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX XXXX
Product: Bank account or service

I met a friend of my friend apparently he works at Wells Fargo. I did n't know they could open up accounts with just your nAme and phone number .... Now I have am account open which I did n't authorize
Product: Credit card

J P Morgan Chase inappropriately applied my additional payment of {$1600.00} to my XXXX interest balance instead of the additional charges to my credit card that has the standard interest rate. This allocation of my additional payment does not comply with the Credit Card Act of XXXX. The XXXX interest balance is on payment that extends to XX/XX/XXXX. The XXXX interest balance amount that was remaining was approximately {$800.00}, which Chase eliminated by incorrectly applying my additional payment. On XX/XX/XXXX, after reviewing my statement on-line, I contacted Chase customer service and spoke with two customer service representatives, one of which indicated she was a supervisor ( XXXX and XXXX of spelling ). They told me that there was nothing that they could do to allocate my payment appropriately and that this is just how their system works. They also refused to provide me the names of anyone else in authority who could provide assistance. They said if I wanted to complain further I could send a letter to an address in XXXX, Ohio, with no one identified as the recipient of the complaint letter. My request is that Chase apply my additional payment to the additional charges on my credit card and leave the XXXX balance payment in place through its contract period of XXXX. Please note that I also filed a complaint ( No. XXXX ), as I was unsure as to the appropriate authority to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent Horizon Financial Management a letter requesting validation of a said account on my credit file ... To the present day Horizon has failed to respond with validation nor has my account been placed in dispute and it has been MORE THAN 30 DAYS.. This is a direct violation of the FCRA ... Horizon 's trade line is displaying the following inaccuracies .... Missing account and payment history, No monthly payments, No date of first delinquent payment, No contractual agreement, No estimated removal date, No responsibility listed, Missing close date, and no contact details ... Horizon is in direct violation of the FDRA by not reporting accurate and factual information ....
Product: Mortgage

Caliber home loans - I was mislead by the amount I would receive out of the refinance even though I questioned on several different occasions. 
XX/XX/XXXX - I spoke with XXXX XXXX from Caliber who advised that I would be receiving approximately 10k.

I received approximately 1400.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Global Trust Management called repeatedly throughout the day using all different blocked and false numbers. They claim I owe over {$1000.00} from XXXX XXXX XXXX. I tried paying the debt but the huge payments never decreased the balance and since it is a XXXX  company they claim they dont have to follow any federal rules. I want the abusive calls to stop. I have been dealing with this since XXXX of last year. I have made previous complaints and they go unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted twice to get my free annual credit report from XXXX, XXXX and Experian on Sunday, XX/XX/XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- XXXX XXXX agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX  makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Product: Mortgage

Select Portfolio Servicing has been trying to charge me an escrow payment of over {$60000.00} on my mortgage. SPS claims this is a tax escrow but I 1 ) never requested SPS pay taxes from my escrow account and 2 ) I live in a co-op building and the amount they are trying to charge me is for the entire building! I pay any taxes through my HOA/co-op dues and have never paid through my mortgage company ( before SPS became the servicer for my loan, this was not an issue ). 

I've called several times to explain and I have been told since XXXX that they are going to fix it ( they agree it's an error ) but every month they keep claiming an escrow shortage and are attempting to charge me over {$60000.00} when my mortgage payment is around {$970.00} a month. 

This is causing me, my family and our child a lot of emotional distress given this issue has not been rectified. I've called over 10 times in the last couple of months and have spent several hours explaining the same thing over and over again. I even had someone from my municipality 's tax office on one of the calls to confirm that the tax escrow is incorrect. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday my credit score was XXXX. Today it is XXXX. I bought a set of tires for about {$1100.00} because if I used their credit card I would get {$50.00} back. I paid it off in full four days later. Trans union says I used to much credit percentage wise. And it will take 4-6 months if not longer for it to come back up. WHY. How can that be any way near fair credit reporting.
Product: Money transfer, virtual currency, or money service

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( https : //cash.appXXXX  ), including payment activity related to gambling along with other potential violations.

As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features.

If you have any questions or concerns, please feel free to reach back out, I'm always happy to help! Have a great day. 

They would explain what gambling they were talking about and I do not gamble. I asked them to show me exactly which transaction, they were talking about an they will not just say its in policy and terms. which does not help me understand the issue
Product: Debt collection

First Federal Credit & Collections of XXXX, Fl ( XXXX phone ) sent me a collection letter for amounts owed to a medical provider I did not contract nor recognized. I disputed the matter in a letter on XX/XX/2022. After about 60 days I did not receive a response and learned the account had been reported to the credit bureaus without a response from First Federal. In speaking with an agent of theirs on XX/XX/XXXX he indicated mail was not being reviewed at the office and that I should go to the company 's offices in person, which I believe is not industry practice nor reasonable during a pandemic. If the company is not responding to dispute letters how is a consumer to pursue his/her rights under the consumer protection laws? Now I face having my credit history tainted by this company 's failure to follow CFPB/FCRPA rules and requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX banned me from opening an account with any other bank because of a check fraud scam. I was a victim of check fraud and they treated me like the criminal who committed check fraud. They froze my assets and closed my account. I have not been able to open an account since. I tried to file a dispute against the claim but XXXX XXXX XXXX was very uncooperative an their customer service was very unfriendly and not at all helpful. The staff inside the bank would not even help me dispute the claim. It is now XXXX and I still am not able to open an account, and all of the evidence is now lost so I am not able to file a dispute, and XXXX XXXX XXXX will not allow me to open an account or allow me to open an account with any other bank. If there is a check fraud scam XXXX XXXX XXXX will assume that you are a criminal and treat you as such. They will not work with you and all of your attempts to clear the account will be futile.
Product: Bank account or service

On XXXX XXXX XXXX I contacted PNC bank in reference to a payment for my rent submitted XXXX/XXXX/XXXX electronically though a XXXX app. on the day of XXXX around XXXX in the morning I called customer service to inquire about the payment that was submitted because online it was indicating that the payment was not paid & it looked as if it was returned due to insufficient funds. I spoke to XXXX who reassured me that the payment had not been returned & it was either paid or still in the process of being paid. XXXX/XXXX/XXXX I received a letter from my rental property manager that they received the returned check and I was to pay not only the rent but a return fee for {$100.00} and a late payment fee of {$100.00}. Due to the wrong information that was provided XXXX/XXXX/XXXX Myself or my partner were unable to make the proper arrangements to avoid the fee that was accessed XXXX/XXXX/XXXX by the property manager. On several occasions have we spoken to the bank to get informed information on how to properly use our account & on several occasion has the wrong information been provided. The difference between the past & now is due to the lack of knowledge the rep ( s ) & as well as the local branches have it has caused us financial hardship.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS OR PHONE NUMBER PLEASE REMOVE IT FROM MY CREDIT REPORT REMOVE IT THANK YOU. 
XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX Phone : XXXX Email : XXXX XXXX this is an addition phone number i do not recognize. 
Credit Card Opened by the Thief Company or Organization : the company Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Addresses : XXXX XXXX XXXX Ct XXXX, GA XXXX Phone numbers : XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/year> Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting or other personal consumer reports

Equifax data-breach exposed all my personal information and someone used it to open the accounts listed on my FTC ID Theft reports
Product: Debt collection

Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks