23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US BANK WILL NOT GIVE ME MY FINAL MODIFICATION PAPERWORK, THEY HAVE BEEN GIVING ME THE RUN-AROUND SINCE XXXX XXXX, 2015, ABOUT SOME PAPERWORK THAT WAS NEVER SENT OUT. I PAID MY 3 MONTHS OF XXXX PERIOD PAYMENTS. MY LAST PAYMENT WAS DUE ON XXXX/XXXX/2015, THAT WAS SENT ON XXXX/XXXX/2015 AND AS OF TODAY XXXX/XXXX/2015, I AM STILL WAITING ON FINAL MODIFICAITON PAPER WORK, I SPOKE WTH XXXX AND XXXX TODAY THESE PEOPLE HAVE NO KNOWLEDGE ABOUT MY ACCOUNT AT ALL. MY MORTGAGE ASSISISTANT PERSON HAS NO KNOWLEDGE EITHER, I REFUSE TO SPEAK WITH HER, I BELEIVE US BANK HAS DONE SOME ILLEGAL STUFF WITH MY ACCOUNT, AND THIS IS THE REASON I CAN NOT GET MY FINAL PAPERWORK SENT OUT TO ME, THEY WANT ME SCREW-UP SO THEY CAN TAKE MY HOME. THIS IS THE XXXX COMPLAINT I HAVE FILED. I AM SO FRUSTRATED WITH US BANK HOME THAT I COULD SCREAM. PLESE HELP ME I WANT TO GET THIS ACCOUNT STRAIGHTEN OUT AND START MAKING MY MONTHLY PAYMENTS. I DO NOT FEEL RIGHT MAKING ANY MORE PYMTS TO US BANK WIITHOUT MY FINAL MODIFICATION PAPERWORK SETTING IN FRONT OF ME SIGNED.
Product: Debt collection

The company in question is Merchants Credit Guide. I had multiple accounts from them being reported on my credit report. I used my XXXX lawyers to submit debt validation letters in XXXX and have yet to receive any validation. All but one account were removed. Ive attempted calling them and the hospital to receive validation and still have yet to. Their manager, Ms. XXXX XXXX, has been very rude and insulted my service in the XXXX and told me Im wrong and should just pay my debts so I wouldnt have to deal with them. Incredibly difficult to work with. This specific account is from XX/XX/XXXX and the debt collectors received it in XXXX. This is affecting my job in the military as I have to XXXX XXXX due to this appearing on my credit report.
Product: Credit card

Capital One Quicksilver card. 

I discovered that there were charges from XXXX ( that I have never used ) for {$310.00} charged for 8 months. 

I also discovered that there were charges from XXXX XXXX  for XXXX from XXXX XXXX XX/XX/2023. 

I tried to find the accounts and contact the merchants but could not login or find an account. 

I. contacted capital one by phone on XX/XX/XXXX. The dispute dept initially seemed legitimate and in line with other cards, They immediately refunded the money - but then TOOOK IT BACK OUT OF MY ACCOUNT HTE VERY NEXT DAY!??? 

XXXX XX/XX/XXXX I called themt o ask why they had done this, They said that they had done an " extensive investigation : ( in 24 hours!?? ) and found that they were my accunts and htey had no more information and I could not appeal ti. They said they had no name, phone numenr or address or way for me to take this any furtehr. IN informed them I would contact the consumer finance agency and XXXX. They said " go right ahead '' The agent ( XXXX and XXXX no last names of course! ) paused for about 20 seconds after I spoke each time and kept reading a script ( as these companies do ). 

I am appalled, I have had a new card issued but I have never experienced a company that admit that they do not call to investigate ( they said they never contacted XXXX or XXXX but sent some sort of electronic tracer ) and they basically insinuated that I was lying, I asked them to show me my account or details and they did not have it. 
I was unable to contact XXXX or XXXX in any way. 

CAPITAL ONE should not be allowed to allow merchants take money in this predatory manner. 

I want my money and the interest from one year back.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX  Account : BK OF AMER 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 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: Student loan

I have student loans reporting on my credit that I did not sign for nor did I authorize anyone else to do so. I have never attended college so there would be no need for me to have utilized student loan services.The loan is not mine.
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 Account has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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: Checking or savings account

On XX/XX/, 2021, PayPal Inc. made an arbitrary and unilateral decision that I had violated their user agreement. They froze my business account and withheld all of the money within it for XXXX  days, totaling {$1200.00}. I have tried multiple attempts to appeal their decision ( my product does not violate their user agreement, and I have evidence and documentation backing up the nature of my product, hence why it was an " arbitrary '' decision on their behalf ), but my emails are never responded to other than boilerplate text without any substantive information. I have tried calling multiple times and told it is not an appealable decision. The XXXX  days of account freeze was over on XX/XX/XXXX, and I expected a check to be sent with my remaining funds. Instead, PayPal decided to keep my money and will not tell me why. All phone calls end with " Sorry, we can't tell you any information, nor can you appeal, we're keeping your money. '' They essentially stole from my legal business without recourse, and now I turn to you for help. It is a small amount, but makes a difference when that is what I rely on to survive. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to Experian requesting to receive validation of XXXX  medical collection accounts on my credit report. The accounts are inaccurate and unverifiable, they also are a violation of my HIPAA rights. XXXX deleted the inaccurate accounts. Experian ignored my requests and did not remove/delete the accounts.
Product: Credit reporting or other personal consumer reports

Within the next 15 days, I am scheduled to update my credit reports, and I earnestly anticipate the removal of the following items from my credit file. Allow me to emphasize that, as outlined in FCRA Section 605b, Credit Reporting Agencies are obligated to eliminate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

There are numerous inaccuracies on my XXXX Credit report, that I have brought to XXXX 's attention and they had failed to fix the issues. 

There is a collection account that should have been removed as I never had any business relationship, account setup, or payment arrangements with the company. My account was handled directly with the creditor without the involvement of any collection agency. 

Financial Management Solutions is reported as a Hard Inquiry on my credit report ; this company is a collection agency- that is being incorrectly reported, as a lender who accessed my credit report for an installment loan or new bank account inquiry. I have never applied for any loan or bank account with this company and never given this company permission to use my personal information to obtain my credit report. 

There is a business account from XXXX XXXX that should not be on my personal credit report. I have disputed this account numerous times, the other credit bureaus have removed the business account from my credit reports, XXXX has failed to remove this account and continuously avoids correcting any inaccuracies.
Product: Debt collection

An dispute letter was sent on on XX/XX/XXXX and I have not received an respond. It surpassed 30 days and no update so I mailed an second letter to delete XX/XX/XXXX, however the consumer served me court documents XX/XX/XXXX. Clearly they received my updated information because it was on the first dispute letter. This item is to be removed. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$1500.00} written off Original Creditor : Balance : {$0.00} Highest Balance : {$1500.00} Explanation of item being disputed : The account/item is not mine
Product: Credit card or prepaid card

Mr XXXX XXXX XXXX REQUIRES AN IMMEDIATE INVESTIGATION OF FRAUDULENT ACTIVITY ON A USAA VISA CREDIT CARD ACCOUNT XXXX CREDIT REPORT IN THE NAME : XXXX XXXX XXXX ILLEGAL DATE : XX/XX/XXXX FRAUD ILLEGAL HIGH BALANCE {$350.00} FRAUD ILLTHEGAL CLOSING DATE : XX/XX/XXXX MR XXXX REQUIRES WITHOT FAIL A CRIMINAL INVESTIGATION IMMEDIATLY ON A CRIME OF STEALING MY PERSONAL INFORMATION THIS IS AN ISSUE THAT WAS FIRST REPORTED ON XX/XX/XXXX AND THE CLAIMANT DEMANDS AN FBI INVESTIGATION ON XX/XX/XXXX INVESTIGATE WITH IMPUNITY ALL CRIMINAL ACTIVITY BY CONTACTING USAA MEMBER ADVOCACY XXXX XXXX ( XXXX ) XXXX EXTENSION # XXXX IMMEDIATLY TO BEGIN A CRIMINAl INVESTIGATION IN COOPERATION WITH THE SECRET SERVICE AND FBI ( XXXX XXXX TX )
Product: Payday loan, title loan, personal loan, or advance loan

I am reaching out to formally file a complaint against Affirm, a financial services provider, due to significant and unresolved issues that have caused considerable hardship and frustration over the past XXXX months. 

During this period, I have been unable to access my account despite numerous attempts to resolve the situation through Affirm customer service. I have been informed that my account is under investigation, yet no clear information or resolution timeline has been provided. Meanwhile, I have received threats of being reported to credit agencies, potentially impacting my credit score, despite having no control over or access to my account information.

The main issues are as follows : 1. Account Inaccessibility : For nearly XXXX months, I have been unable to access my account, preventing me from managing my payments and financial obligations effectively. 

2. Unclear Investigation Process : Affirm has not provided detailed information or updates regarding the investigation affecting my account, leaving me without clarity or recourse.

3. Credit Reporting Threats : Despite my inaccessibility to the account, Affirm 's threats to report to credit bureaus pose an unfair risk to my credit score.

I am seeking your intervention to help achieve the following : 1. Restoration of account access so I can properly manage my financial responsibilities.

2. A clear explanation from Affirm regarding the status and expected timeline for resolving the investigation.

3. Assurance that my credit score will remain unaffected by this situation, which is beyond my control.

I trust in your ability to assist in resolving these pressing issues promptly and fairly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt collector employed abusive, deceptive, and unfair practices violating the FDCPA. They reported an account that we did not agree upon, and I have not signed any agreement. A legal contract involves XXXX parties, and I want to make it clear that I was not a part of this. Moreover, they neglected the proper XXXX validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and it's clear they infringed on my right.
Product: Credit card or prepaid card

I contacted customer service And explained Ive been adversely affected for long-term because of covid 19 financially and in addition Im XXXX XXXX XXXX and I am requested a lower interest rate closing in my account and a monthly payment plan that is possible with my dire financial situation. She directly indicated they have nothing they can do to help me in this dire situation
Product: Mortgage

Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in XX/XX/XXXX, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of {$1200.00}. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. 

PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. 

Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.
Product: Credit card

I previously submitted a complaint regarding the missing fitness credit on my Bank of America ( BOA ) credit card ( credit card number is XXXX ). While I have now received the {$50.00} credit for my XX/XX/year>, charge, I am still missing the {$42.00} + {$8.00} credit from my XX/XX/year>, transaction at XXXX. 

Here is a breakdown of the charges I made, expecting to receive my full {$150.00} annual fitness credit benefit : XX/XX/year> : Charged {$42.00} + {$8.00} = {$50.00} at XXXX XX/XX/year> : Charged {$50.00} at the same fitness provider On XX/XX/year>, a BOA customer service representative confirmed that the {$50.00} credit would be applied by XX/XX/year>, and that additional charges from the same gym would also qualify for the benefit. However, as of today, only the {$50.00} credit for the XX/XX/XXXX charge has been issued, and my {$42.00} + {$8.00} from XX/XX/XXXX remains uncredited. 

I have reached out to BOA multiple times regarding this issue, yet they have not provided a resolution or honored their stated benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I go online and Attempt to file a dispute with Equifax I am blocked from disputing things that are inaccurate on my report..their reports shows me as having 3 XXXX  XXXX   XXXX  Credit account . One for XXXX XXXX for XXXX. These are correct. Then they show one that is spelled XXXX  XXXX XXXX ( mispelled ) in the amount if XXXX..This is not my account. I never had a XXXX XXXX XXXX credit card in the amount of XXXX..I have made several attempts to dispute this with Equifax among other things they won't allow it to go through. And why does my credit reports have different things on each of them? Makes no sense to me at all.
Product: Credit reporting or other personal consumer reports

XXXX Bank XX/XX/XXXX {$500.00} Capital XXXX XX/XX/XXXX {$3000.00} Capital XXXX XX/XX/XXXX {$500.00} Lead Bank XX/XX/XXXX {$1600.00} KIKOFF XX/XX/XXXX
Product: Debt collection

Damaging credit without fdcpa compliant notification. No contact ever with this outfit only credit score damage continuing month monthly.
Product: Credit card or prepaid card

XX/XX/2021 {$30.00} XX/XX/2021 {$480.00} I did not make these transactions
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment reporting on my Capital One account ( account # XXXX and XXXX, both reported on XX/XX/24 and XX/XX/24 ). These late payments are in correctly showing on my credit reports with XXXX, XXXX, and XXXX, despite my timely payments. Under 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Please provide evidence of the late payments or correct the reporting to reflect " on time '' or " paid as agreed '' payments with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} -XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$1100.00} XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Name - XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Me and husband have been charged for bankruptcy every month. We have never ever claimed bankruptcy we have no debts and we are also being charged for late charges every month when our is on time. This has been an on going problem for over two years now
Product: Debt collection

On XX/XX/XXXX, I received a call to give me notice that I was to call XXXX XXXX at XXXX reference XXXX. 
When I called I was told there was to be a legal action filed against me concerning US Bank Account from XXXX, I stated that i received no notice concerning this and the item was never on my credit report and I demanded something in writing itemizing their claim so I may dispute the claim. I was told that I could respond to the summons and complaint unless I paid them {$1200.00} immediately, And if it went to court I could owe over {$4000.00}.
Product: Debt collection

This company named Diaz keeps sending out letters to us stating we owe them for a XXXX account. I've called XXXX  a few times, and we don't owe anything. Now they are calling my family members and harassing me, saying they are trying to serve papers and there is a civil suit against us. It's really nonsense, and the threats are getting to be too much. 

Now they call themselves XXXX XXXX. Their phone number is XXXX and they said our case number is XXXX.