23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

bb and t banks and credit card issuer numerous problems ongoing basis such as failure to give credit for cash payments made until at least two days later ; failure to monitor online giving of new bank accounts resulting in identity theft to us and not assisting in any way other than to provide XXXX toll free hotlines -- -- XXXX dollars was taken from our church account the moment they issued XXXX new bank accounts to criminals online with little or no safety protections for bank and credit clientele ; numerous credit care issues reported to them on phone and e mail and in certified mail -- all to no avail ; improper interest charges when card was current ; imposing overuse and penalties thus causing the account to go overlimit and then charging fees and penalties for that ; failure to be responsive to valid card inquiries ; failure to remove improper and unauthorized charges ; failed to send me a consumer credit agreement upon the giving of credit ; excessive use fees charged illegally ; failure to abide by state and federal laws for florida federal such as florida unfair and deceptive laws to protect consumers.
Product: Payday loan, title loan, or personal loan

I keep getting different final amounts owed from week to week even after paying a substantial amount towards the loan. The company does not allow the user to view thier previous payment history on the website or from their app so I can track my payment history. Every week I have to ask what my remaining balance is, and every week it either goes up or goes down. I feel I am being taken advantage of
Product: Debt collection

XXXX served an address in XXXX XXXX ca for a debt that I am skeptical belongs to me because I was a victim of identity theft in XXXX. I was not aware of a judgement until they levied almost all of the money in my bank account that almost left me destitute and homeless. The money in the account was XXXX XXXX XXXX XXXX XXXX XXXX for cost of living. I would like to file an official complaint and let you know if theyre illegal practices. I resided at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ca. XXXX when they served a false address in XX/XX/XXXX.
Product: Debt collection

Portfolio recovery constantly harasses me about some debt or another that i do not owe. I have pulled my credit file from all XXXX major credit companies and took care of XXXX issue that had shown up. It was by XXXX XXXX XXXX. I contacted XXXX about the debt and they said there was no debt on my account or I would not have a cell phone with them. I then file a complaint with all XXXX companies and asked that they take this off of my file. This was done I think over a year ago. All XXXX companies took this XXXX XXXX XXXX fictitious debt off of my credit score. 

I have told Portfolio recovery to quit calling me as per the government web site and advise from my Attorney and they still call and try to intimidate me by threatening me. I have no debt yet about every 3-4 months they pull a soft credit to see if they can get money out of me that I do not owe. I can see that this company has had many complaints and I am not sure why the Federal Government has not shut them down. 

I show no delinquent debts on my credit score. Any issues I may have had are more than 10 years old and had been paid off. 

The phone number used this time was XXXX. I am aware that they have over XXXX phone numbers that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX  2018. The bureau reporting is XXXX, Equifax, and XXXX. Thank you!
Product: Debt collection

I call them numerous of time that debt was paid they did n't do nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... This is the several times I've complained about being a victim of identity theft. You must remove/block any account 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 Date Opened : XX/XX/2018 Balance : {$24000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX AXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Product: Credit card or prepaid card

On XX/XX/2018 I reported a fraud to First Tech Federal Credit Union that was perpetrated using my identity. A credit card was issued by First Tech Federal Credit Union to someone other than me without my knowledge or consent, and then two {$10000.00} cash advances were made against this card. I discovered this when I received a credit card statement for the fraudulent card and immediately reported it to First Tech Federal Credit Union, the Federal Trade Commission ( report # XXXX ), my local police department ( XXXX Police Report # XXXX ) as well as the XXXX Oregon police department ( where I was told I had to report it to my local police department ), and XXXX ( report # XXXX ). First Tech Federal Credit Union said it would take up to 72 hours for someone from their fraud department to call me. Not having had any calls from them, I followed up XX/XX/XXXX. I was again told someone would call me. I have not heard from anyone since then. Yesterday I received a letter from First Tech Federal Credit Union stating that I needed to immediately pay {$400.00}. I called them again today ( XX/XX/XXXX ) and was told, again, that someone would call me back. I have been unable to speak to anyone in the fraud department in the 6 weeks since I reported the fraud and there has been no action taken on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has almost been two months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Information has been merged with my twin brothers information. 
When I attempt to " report a dispute '' on XXXX, Equifax, and XXXX, I am unable to report because I can not properly confirm my identity and my request to be allowed a dispute is denied. 

The reason I can not properly identify myself is because the 3 companies have merged my twin brothers information with mine. We are two different people sharing the same birthdate. They merged his social security number as mine. They merged his name to be mine. They merged his employers, his credit cards, his car loans, etc. 

When I call them to correct the issue, I can not answer their identity questions because their questions are regarding my brothers credit history, not mine. 

There should be one place to correct misinformation in this system. Why do I have to goto all the reporting credit agencies and fix the problem. Whomever is merging this data needs to correct the problem and send me a credit report with it corrected.
Product: Mortgage

In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00}
Product: Debt collection

I reported a case of fraud resulting from an XXXX XXXX XXXX XXXX delivered to my home. I reported it to the company and was instructed to send the phone back which I did. I received numerous demands for payment for phone I did not purchase, create the account etc. I filed a report and was informed the case was now closed. I recently received a demand for payment from a collection agency after months of assuming everything was rectified. The letter was from XXXX XXXX XXXX listing XXXX XXXX as the creditor. This started in XXXX of XXXX I believe and was resolved in XX/XX/XXXX. Any assistance in the resolution of this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiries Dispute Good Evening, I recently reviewed my credit report and discovered several unauthorized inquiries from the following companies that I did not authorize. These inquiries are fraudulent, and I am requesting their immediate removal. The details are listed below : XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry dates XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry dates : XX/XX/XXXX, XX/XX/XXXX Please let me know if you have any questions or need further clarification. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Student loan

I filed a borrower defense application in 2021. It has been approved and is being processed. Because the department of education is cancelling those student loans associated with XXXXXXXX XXXX my private loans should be eligible for cancellation toom additionally Navient is offering other customers who have been victims of misconduct the same options, which I should be given the opportunity as well or at least the option of seeing if my loans private loans qualify. Or at least have the credit history fixed or updated on my credit report, since the loans were based on misconduct from the school which was found by the department of education.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> OneMain financial did a hard inquiry on my credit report after stating on their website checking to see if I qualify would not effect my credit score. I have not even finished out the application before they did a hard inquiry. When I first put my information in it stated that the credit check would not effect my score. Immediately after submitting my information I received multiple alerts on my accounts stating I had a new hard inquiry from onemain financial. This is false advertisement. I would have never went through with this if I had known they were actually going to do a hard inquiry.
Product: Debt collection

I am a Florida resident who was sued by Linebarger Goggan Blair & Sampson , LLP. 

The attorney, XXXX XXXX, served me a summons and took me to court without my knowing. She said I had no defense. She said I owed XXXX in toll debts and that if I didn't sign papers immediately there'd be a bench warrant out for my arrest and my wages would be garnished. 

I missed a payment because I had to pay rent and they tacked on lawyers fees and now I owe even more. They send me letters saying I need to pay now even when I've already paid. 

I feel like this is illegal and predatory and that I'm being absolutely bullied by this company with no defense. Especially given that they have not produced any proof they actually bought the debt from XXXX XXXX, the original debt owner. 

Linebarger Goggan Blair & Sampson, LLP have effectively ruined my life and forced me into considering bankruptcy.
Product: Credit card

I've consistently made sure that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Checking or savings account

The Company Paypal Inc, Allowed a fraud chargeback into my business account with them a customer doing a false claim with XXXX credit card company that my job was not completed. 

We provided all necessary information to Paypal to explain to them that we completed the job and this customer is doing chargeback fraud to my business. 

Paypal mentioned to me that on the XXXX of XXXX XXXX has no answer yet they will pay me back the money and close the case because I'm covered with merchant coverage protection we have them recorded 2 times after a 3rd call we recorded another of their employees saying that the other 2 employees they lie to me and my money will be not paid back with a rude attitude. 

If the promise was fraud protection to my business on the XXXX why did they not give my money back and stop talking the wrong way?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


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

I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help
Product: Credit card or prepaid card

Credit line with 5/3 bank since 2011. During COVID pandemic really trying to stay on top of payments and improve credit limit. Online banking amount that showed amount due always met and made by due date. However apparently what amount showed was not amount due at time. No notices, phone calls, emails. 5/3 Manager just stated that ran credit history and due to report they decreased credit limit by over {$1300.00} in XXXX swoop. No notification prior to change, letter apparently sent out day of ... .still waiting on that. However decrease was automatically lower than the up to date balance automatically placing me BELOW the alotted credit limit and therefore now have a negative balance which has already taken effect on my credit score!! No purchases made on card except one yearly membership due to trying to pay down credit and get our of debit. All determined focus in trying to improve my credit score has been crushed with one drop of XXXX points by this. No warning, no notice, just cut without reason!! In a World Wide pandemic and good pay history with company after almost 10yrs, this is how I am rewarded. I am more than frustrated that this can just happen. Where is the backing to the consumer ... ... I can understand if I hadnt made payments or there was a justified reason but this is really disheartening and now my credit score and livelyhood moving forward with XXXX XXXX  kids is just left to deal!
Product: Credit reporting or other personal consumer reports

Bank of America states this account was closed on XX/XX/XXXX. It's state 's last payment was XX/XX/XXXX. There were no payments made since XXXX. This should already be off my credit report due to the XXXX retention. This is a charge off. By stating a payment was made pushes my XXXX retention back to XXXX. This information is wrong and should be deleted from my credit report. I have the same problem with XXXX XXXX XXXX these XXXX account had no payments during the same period due to financial hardship. But both state 's they got on time payments in XXXX thru XXXX which is inaccurate both should already be off my credit report. It's keeping me from obtaining credit.