23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Paying mortgage payment on line BOA charges a {$6.00} fee if not paid on the XXXX which is the due date. The grace period due date is the XXXX. If I took the payment directly to the Bank on the XXXX there would be no fee charged and the same goes for it if I mailed payment in after the XXXX. no other financial institution I deal with has such a policy .I am XXXX years old with ss as only source of income .These income dates vary by the month causing great inconvenience if I have to drive 50miles on  some months to make timely payment. this fee seems an unjustified hardship especially when the bank in most cases receives its money faster with the XXXX
Product: Payday loan, title loan, or personal loan

They told me the interest rate was only XXXX dollars. As pretty normal for payday loans. However I got a loan for XXXX and am expected to pay fees and interest totaling XXXX by the end of XXXX. 

This is absurd they think they can take peoples money like that. Im young and fell into a financial emergency because of an accident. Or else I never would have used them. I have used companies like lend up before who have a real payday system in which you pay XXXX on top of what you borrow which I assumed is what this company was.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUDULENT ACCOUNTS ON XX/XX/2017. I ASK THEM TO VERIFY THESE ACCOUNTS UNDER THE FCRA SECTION 609 ( a ) ( 1 ) ( A ) I NEED TO SEE ORIGINAL SIGNED ON CONTRACT OR REMOVE ASAP.
Product: Credit card

I applied for a Discover credit card on XX/XX/year>, and my application was denied. Discover provided the following reasons for the denial : Insufficient credit history Credit limit of all accounts Insufficient credit history in bank revolving accounts However, according to the information in the denial letter, my FICO credit score is XXXX, which is considered a good score. This raises concerns about the accuracy and transparency of the reasons provided for the denial. 

I believe Discover may have failed to comply with the Equal Credit Opportunity Act ( ECOA ) and the Truth in Lending Act ( TILA ) by not providing a clear and specific explanation for the denial. Additionally, the letter mentioned my right to obtain a credit report from XXXX and XXXX, but did not clearly explain how I could dispute any inaccuracies, potentially violating the Fair Credit Reporting Act ( FCRA ).

I would like the CFPB to review whether Discover followed proper procedures in denying my application and whether they provided a legitimate, specific reason for the adverse action.
Product: Debt collection

I have been sent to collections, Merchants and Professional Collections Bureau , Inc., over a {$300.00} bill that XXXX has denied three times. The reason for the denial, according to XXXX, is due to the XXXX XXXX not being certified with XXXX. On Tuesday, XXXX XXXX XXXX, I called and physically went to XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX former place of employment, to pick up all of my medical  records from the XX/XX/XXXX XXXX. XXXX XXXX was the XXXX  for my case and requested the XXXX  XXXX. I was not advised of the potential of having a XXXX XXXX and therefore was not given the opportunity to allow or deny this part of the XXXX. After thorough examination of the records I have received regarding my case, I can find no consent form for the XXXX XXXX from XXXX  XXXX XXXX   XXXX  in my records. I spoke with XXXX, XXXX Billing Director, regarding this case and she stated that I received all paperwork corresponding to this XXXX. She also stated that since the XXXX  XXXX  was not covered by XXXX  that the XXXX XXXX  should have been paid through XXXX XXXX XXXX agreement for payment from XXXX. I take any financial issues seriously and I have spoken to and been advised by a lawyer who stated I should not have been billed as the XXXX should have been vetted through XXXX XXXX prior to the XXXX. The failure of XXXX XXXX and your company to verify coverage before the XXXX  XXXX  took part in my XXXX  has further complicated by the fact that there is no record of my consent to this part of the XXXX. This matter is made even more difficult due to the fact that almost three years have passed, XXXX XXXX no longer practices with XXXX, and the billing director was not at XXXX  when this XXXX  took place.
Product: Credit reporting

I went to check my credit and seen I owe money I never knew i owed. i never applied for anything. i always keep track of what i spent and what I owe. my credit score is low and im trying to build it but i dont want to be responsible for someone else. somebody is using my information. plz help
Product: Credit reporting, credit repair services, or other personal consumer reports

First I want to say I had filed bankruptcy in XX/XX/XXXX. 

For the last 5 years I have been trying to get my credit score up to a higher level. 
I was doing good until yesterday. 
I received an email from Experian stating my credit score had changed. When I went into their website I saw that my credit score had decreased by 18 points. 

On XX/XX/XXXX my score was XXXX, then On XX/XX/XXXX it dropped to XXXX It took me years to get to the higher score only to have been dropped down to the lower score.

Absolutely nothing had changed in my circumstances.

There was no explanation, I spent over 2 hours on their website trying to find out why this had happened but to no avail. 
I called the number on their website but it was all automated and I couldnt speak with anyone. 
There were no circumstances that would have caused this massive decrease, in fact, by the end of XXXX I had paid all my credit cards in full. 

I am hoping you can find out why my credit score went down so low, if there is a reason shouldnt I be told what it is so that I can at least, try to resolve it? 

Thank you so much for your attention and I am really hoping you can help me find the answer. 

I can provide any information you may need in assisting me. 

XXXX XXXX XXXX XXXX
Product: Debt collection

NTL CDT SYS aka NCSPlus Incorporated listed themselves as a Lender for a debt that has not been established as mine and has been disputed since they entered this information on my credit report as an open account since XX/XX/year> in the amount of {$56000.00} with XXXX XXXX XXXX as the Original creditor whom I have also disputed this debt against me along with filing a counter suit to the allege debt to which I don't owe. 
The company has entered this information under several different name on my credit report but it is still the same company - A dispute was replied after this company initially contacted me on XX/XX/year> and NCSPlus Incorporated still reported this account to the XXXX as a valid correct account. It was disputed with XXXX and NCSPlus Incorporated by me and it was not corrected or deleted. After I sent proof of debt not being correct, not valid and that I have not contracted with them nor was I a client that owed the debt. I was then sent another letter by NCSPlus Incorporated dated for XX/XX/year> threating to report me to XXXX, XXXX, and XXXX although they have already reported this information to the credit bureaus where they ( NCSPlus has already ruined my credit and I was denied a mortgage loan due to this incorrectly reported account ) that I never had with this company and defiantly for not the amount of {$56000.00}. I was further threatened to make payment even after disputing the debt amount, ownership, and validity of the debt. No judgments have been secured in this matter nor has a judgment been entered for this debt on behalf of the creditor nor NCSPlus Incorproated.
Product: Debt collection

I had a charge on my account that was disputed. It was found in my favor. The credit card company issued a refund and I closed the account with a credit owed me for over payment. The sent the check to me account closed. A month later they started calling saying I owe the money after they credited my account. I do not owe the money and the call several times a day at all hours of the night. I had told them to cease and desist numerous times to no avail. They are harassing me and threatening me. I am XXXX XXXX XXXX and afraid Thanks.
Product: Debt collection

On XX/XX/2021 I disputed a claim for debt and requested validation of alleged debt with Steven 's Business Service located in XXXX Massachusetts. I requested they prove the statue of limitations has not expired on the account. I requested proof that Steven 's Business Service is authorized to collect in my state. I requested license numbers and registered agent contact information as they are incorporated. I requested copies of verifications that show I agreed to pay the alleged amount of debt. I requested 30 days to validate any information the Respondent should supply. I requested a cease and desist of reporting any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
On XX/XX/2021 Steven 's Business Service responded with copies of medical billing statements. I did not ask for simple verification of the alleged debt, I asked for validation. I was not supplied with proper documents. I was not supplied with proof that the above respondent can collect in my state. I was not supplied with license numbers or registered Agent information. I was not supplied with proof that the statue of limitations has not expired. I was not supplied with verification of an agreement with any party to pay the alleged debt. Steven 's Business Service continues to verify and report invalidated information to the credit reporting repositories. 
I have proof that Steven 's Business Service is attempting to collect and reporting debt that is time barred according to Massachusetts General Laws on the statue of limitations. Furthermore the above Respondent is in violation of the Fair Debt Collections Practices Act. The alleged debt occured when my employer changed the employee benefits group insurance company. I was fully insured through my employer, however the medical office had incorrect billing information due to the employers change in carrier. I do not owe this alleged debt. The correct carrier was billed for this. This is duplicate and time barred alleged debt. I request that the incorrect information be removed from all credit reporting repositories, as it has no validation and is inaccurate. This is detrimental to my credit report. Please assist me in rectifying the inaccurate information and providing me with any proof of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX Bank Usa on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX Bank Usa on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX Na on XX/XX/XXXX ( Reported Identity Theft ) 7. Us Sm Bus Admin Oda on 07/01/2020 ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX/ XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.
Product: Credit card

I closed my business credit card with bank of america on XXXX XXXX due to multiple internal fraud issues ( with the bank or my vendors ). I no long had confidence in the service. I had a credit of about {$120.00} which I was told would be returned in 7 to 14 business days. It is now XX/XX/XXXX and despite multiple calls and requests, B of A has not refunded me my money. I posted to their XXXX site and a person attempted to call me a few times but I am traveling and busy, the status on the site now shows completed and resolved. I still do not have my money and am frustrated and do not have the time to continue pursuing this.
Product: Checking or savings account

Over the course of the last year Capital One has repeatedly committed malicious fraud against me. They were even forced to close a bank branch permanently for participating. Their apparent habit is to ignore and attack their victims like some XX/XX/XXXX XX/XX/XXXX. I have waited for so long it's insane. I am owed incalculable damages and actual losses from my account ( shown in other complaints ) I want them to stop abusing me a d pay up now.
Product: Credit reporting or other personal consumer reports

I am submitting these past disputes that have been performed within the past 6 months time from Experian to the CFPB to have them removed permanently from reporting to my consumer report. In lieu of the current lawsuit against Experian the XXXX XXXX XXXX XXXX has due to their lack of mishandling of consumer disputes and inadequate investigations of consumer complaints and disputes were founded by the CFPB to be highly inadequate and severely violate the Fair credit reporting act. Experian failed to investigate my complaint thoroughly and adequately, also accepted illogical or improbable responses from my creditors to reinserted inaccurate information back into my credit report and failed to provide a logical reason about why they were not removing these errors from my consumer report.
Product: Debt collection

Good morning, I XXXX XXXX XXXX XXXX hereby dispute the invalid charges on my account under policy # XXXX under FCBAs Services NOT Accepted provision. 
I have been a XXXX policy holder for my XXXX XXXX for XXXX  years without any issues. 
In may of this year I have reached out to XXXX to get a QUOTE for 2 additional vehicles. XXXX has NEVER received my consent, my approval to enroll my vehicles under the TERMS and PRICES. 
I have never sought coverage under for that price. Extensive communication and email have been exchange that will show that I have communicated that I didnt want the Services at that price nor was I in a position to afford it. 
I m also disputing these charges under the Unfair Deceptive or Abusive Act ( UDAAP ). 
During this process of requesting a QUOTE, XXXX has engaged in deception by initially giving me a quote around {$XXXX} before increasing the price after I hung up, and enrolling me without my EXPRESS consent. 
XXXX has also engaged in a STALLING game by making me believe that everything was under REVIEW. 
Under these protections from predatory practices. I m demanding that XXXX. Remove these charges from my account. 
On XX/XX/XXXX, I have sent an additional email to XXXX requesting any form of documentation proving consent to enroll under these terms. that email has NOT been answered to date. 

Thank you.
Product: Prepaid card

I received a prepaid rewards card from American Express as part of a promotion for purchasing an electronics item from an online vendor. I live in Minnesota, where I thought any gift card whether prepaid credit/debit or otherwise would be exempt from service fees. In other words, if you receive a {$5.00} card then it will remain as such until used. 
On the Front of the card it labels the {$5.00}, and a Valid Thru date of XXXX ( XXXX 2020 ). But on the back it claims it will sustain a {$2.00} service fee per month after XXXX months of issuance, but in the same line it says Funds do not expire. 
This is very confusing. Funds do not expire, but they clearly do through the attrition of the service fees. The semantics might be different but the end result is the same. You must use this card or else the fund will indeed expire. 
The rebate program was a joint venture between XXXX and XXXX.
Product: Mortgage

The loan was with XXXX XXXX XXXXXXXX and then about 1 1/2 ago this bank called Selene finance company took over my loan and I have been trying to get a modification for about the last year and I have not been able toso they have filed for foreclosure on XX/XX/2023 I have filed the mediation paperwork for mediation I have not heard back from anyone yet and today is XX/XX/2023 my address is XXXXXXXX XXXX XXXX XXXX I have also applied for assistance with Nahac and they denied my application after what until I was passed due in an amount that they would not cover I have not heard nothing from this bank that is supposed to be carrying the loan at this present time me I feel like there is type of fraud or something I literally am asking for assistance with my home I have been in this home for 16 years and I cant seem to get any assistance.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Nevada
Product: Debt collection

Having issued three cease and desist letters for them to comply. I called about illegal negative actions they were attempting to conduct. Even though I have initiatied this conduct the gentleman who called me b came anusive and disparaging towards me ; despite I can contact them to discuss this matter he refused citing the cease and desist and disenfranchised me from recourse with them.
Product: Money transfer, virtual currency, or money service

A scam phone call was made claiming to be my bank about a wire transfer. I hung up and called my bank and they confirmed there was a pending wire transfer. I told them I did not authorize this and it is fraud. I was told it would be stopped. Later the same day XX/XX/2024, the transfer was completed and {$8000.00} was taken from my account. I have made multiple calls back about this, and requested all of the phone transcripts to prove I claimed this was fraud and I did not approve or initiate this transaction and the bank still let it happen.
Product: Bank account or service

Missing Funds. Funds that were requested to be transferred were lost by the receiving Bank, Discover Bank. 

I initiated an online transfer of funds from XXXX XXXX XXXX ( from the Discover Bank website ) to Discover Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, the Discover Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, XXXX XXXX XXXX records indicated that the requested amount was withdrawn by Discover Bank. On the weekend of XXXX XXXX or XXXX, I closed the XXXX XXXX Account believing the Discover Bank statement that they received the XXXX XXXX funds. On XXXX XXXX, Discover Bank Online History indicated a reverse ACH deposit from XXXX XXXX Bank. Also, on XXXX XXXX, XXXX a.m., I received an email from XXXX XXXX Bank stating that XXXX XXXX was unable to complete the transfer request from Discover Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from Discover Bank to withdraw money ''. ). 

According to a conference call among XXXX XXXX, Discover Bank and myself on XXXX XXXX, 2016, XXXX XXXX stated that they rejected the returned funds from Discover Bank and resent the funds to Discover Bank. ( Trace number is XXXX sent on XXXX XXXX Eastern Time, XXXX XXXX. ) Discover Bank can not find the funds and hence they have not deposited them in my bank account. 

The funds have not been shown to be in both XXXX XXXX XXXX and Discover Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Discover Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to Discover Bank and XXXX XXXX Bank have not yielded any meaningful results.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX  Bankruptcy Discharged - XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

FTC Report Number:XXXX XXXX XXXX has placed four unauthorized collections on my credit without notifications. Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) 18 U.S.C. 1028A : Aggravated identity theft. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect this debt in my state.Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations.You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I will not give DESIGNED RECEIVABLE SOLUTIONS my Identification or social security number either. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect any debt in my state. DESIGNED RECEIVABLE SOLUTIONS made a threat to sue for debt that's past it's statution limit but backtrack to say they can't but threatening to keep reporting Fraudulent debt on my consumer report. I have no contract with DESIGNED RECEIVABLE SOLUTIONS. This company bought a fraudulent account and expects me to give them my personal information so they can do an investigation lol. It's the other way around DESIGNED RECEIVABLE SOLUTIONS is supposed to do their investigation to prove I owe this debt. Your in violation of the FDCPA and FCRA law. So the law will not permit you to keep reporting Fraudulent debt. I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the listed below alleged debt and money that I do not owe. Accounts : XXXX, XXXX, XXXX, XXXX. Now DESIGNED RECEIVABLE SOLUTIONS response was definitely in poor character and also this company ignored my FTC reporting. Please provide me with the original contract and proof I owe this debt. I don't want an itemized bill. IF DESIGNED RECEIVABLE SOLUTIONS CONTINUE TO THROW THREATS THIS CAN BE HANDLE WITH LEGAL MATTERS. DESIGNED RECEIVABLE SOLUTIONS IS NOT LICENSED IN MY STATE AND THIS A CASE YOU WILL NOT WIN. SHOW ME DEBT OF VALIDATION FOR THE LAST TIME!