23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on approximately XX/XX/2021 account begining with XXXX was reported on my account unaware at the time that said account was displayed on my report aprroximately XXXX oXXXX XXXX i received a letter from my bank that my information was leaked due to a data breach and need to review my credit report i thus began to review information that wasnt mine i then went for months and now years trying to reach this company left numberous voice mails, letters and emails and never have i recieved a response or any help i have submitted paperwork from the FTC XXXX police department and my lawyer and still no response i am fed up and XXXX stressed out my family has suffered due to this company negligence other companies have worked with me and were very helpful how come this company ignores my every requested please help!
Product: Debt collection

I XXXX XXXX the consumer in this matter rights has been violate. Pursuant to Title 15 USC 1692 ( FDCPA ) Fair Debt Collection Practices Act ; XXXX XXXX XXXX XXXX and TRANSWORLD SYSTEM INC ( TSI ) has violated my rights for an alleged obligation. These two companies have used threats, obscene and profane language ; not to mention the many other violations. These violations has caused me agony and stress due to the harassment from XX/XX/XXXX up until XX/XX/XXXX.
Product: Debt collection

Ability Recovery Services is reporting inaccurate, negative information on my credit reports. This information hasn't been validated and the balance showing owed is incorrect according to the original creditor. I am asking for this information to be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I was reviewing my consumer report and noticed that there was a lot of false information and outdated information on there. I reached out to the 3 Credit Reporting Agencies XXXX XXXX, XXXX, TransUnion ) for as long as two years with no responses to my letters. numerous rounds of letters I've committed my time towards. My first round of letters started on XX/XX/XXXX and ended on XX/XX/XXXX. I've wasted nothing but time, money, and energy that got me a case full of neglect against my consumer rights.
Product: Debt collection

I have a XXXX Debt that is not mine i had to file an identity Theft claim with all Credit Bureaus and the IRS. I do n't understand especially when i have a XXXX account in good standing right now. Before this i had XXXX XXXX XXXX and i had paid that off already. I would like to dispute this Debt and have it removed from my credit report.
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : I.C. SYSTEM, INC XXXX XXXX XXXX XXXX, FL XXXX, United States XXXX Cease and Desist. I DO NOT KNOW WHO YOU ARE AND I HAVE NEVER DONE BUSINESS WITH YOU ALL. REMOVE THIS FROM MY CREDIT FILE IMMEDIATELY. Not only is it illegal for a 3rd party collection agency to collect a debt that never originated with you all, I have no recollection of doing business with you. Not sure who you are or why this is here. The information you all are reporting is 100 % false! - inaccurate. I never gave ANYONE FROM YOUR COMPANY my written consent for any debt and I DONT NOT OWE YOU ANYTHING I am demanding that this account be updated to paid as agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX XXXX regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 


The goal with my credit profile should be maximum possible accuracy. What is actually fair and true. None of this is 100 % accurate. This has caused me to experience so many damages its unreal. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything Im met with the highest interest rates, high down payments and no grace periods. Everything on my credit report has been causing me a great deal of stress, anxiety. Thats not okay, fair or true. 


I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can NOT furnish an account I will await your reply. 

Kind Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 approximately around XXXX, I received a call with a call ID stating Navy Federal Credit Union XXXX The representative stated that appears that fraudulent activity was on my account. The representative stated that someone attempted to use my credit information for XXXX XXXX and attempted to log into my accounts with Navy Federal Credit Union. I did not give them any information. However, the representative stated all my account information that were in the account. The representative stated that the account will be inactive and that I should receive a new card in one to two days. A few hours later, I was unable to log in to my account. I immediately contacted Navy Federal Credit Union as stated when trying to log in. I spoke with a representative there and she stated that it seems to be fraudulent activity and that the person who called me impersonated as a Navy Federal Credit Union Representative. Navy Federal Credit Union also stated that the impersonator was opening up a loan and transferring funds while the impersonator called me. At this time, Navy Federal has closed the old accounts and I had to start over with new accounts, cards, and checks. The fraudulent loan that I have never seen a signed contract for has been placed on all three creditors. No funds were dropped into my account from a loan but taken from my XXXX XXXX Account. I placed a fraud alert will all creditors including a freeze. I have file an Identity Theft Report. I have filed a Consumer Report to the FTC. I have also, filed a Declaration of Forgery/ Fraud with Navy Federal Union . I have filed a police report with XXXX XXXX XXXX XXXX Report # XXXX. As of today. I feel that my account is a target and its being monitored when I go online to send a text or when I call. I also, feel that my money is not secured there. I have been sending a text thru the Navy Federal Portal to get the status of my funds and the status of the Fraudulent loan. As of today, I received a text in the Navy Federal Credit Union portal stating that my claim has been denied by the investigator and that I can call them regarding the claim. I dont think that the communication thru the portal is Navy Federal . I dont know who to trust with my information. I received a call on a Sunday XX/XX/2024 and someone from Navy Federal Credit Union left a message. My phone accidentally hit the number at XXXX. However, as soon as I was hanging up the phone another number was calling me at the same time calling from XXXX but would not answer. It is like they are monitoring the calls when calling Navy Federal Credit Union main number which is XXXX. Please assist. Please assist. XXXX
Product: Credit card

I made a charge with my Bank of America credit card on XXXX/XXXX/16 to XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$810.00} for XXXX car payments on my daughters auto loan. On XXXX/XXXX/16 I learned via XXXX and my daughter that to date the money had not been sent to XXXX. To date this has been triple confirmed with XXXX including at their corporate level. I have spent over 20 hours on the phone with Bank of America since Tuesday XXXX/XXXX/16 trying to resolve this and have been practically brought to tears by XXXX of transfers, holds and complete lack of tracking my missing payment. I believe there is an issue of internal fraud. Bank of America has stated that my money is in limbo and they would have it credited back by XXXX/XXXX/16. It has been over 60 days!! To date it has not been credited and the new round of phone calls I have made to Bank of America this week have not led to a complete abandonment of any responsibility to do so. I have asked for proof of the electronic transaction number ( XXXX said they should absolutely have this if they made a payment ) with Bank of America refusing to provide XXXX. Then today XXXX/XXXX/16 after being on hold for 2 hours and 40 minutes I was transferred to a " XXXX '' in the " Dispute Dept. '' who informed be that my payment went to XXXX Bank and I would need to call them to arrange a charge back. This not only was a complete new excuse given for where my missing money has gone but I nor XXXX has any affiliation to XXXX Bank!! Bank of America refuses to explain how or why my payment to XXXX went to XXXX. I never ever authorized a payment to XXXX for any reason. Bank of America refuses to provide any documentation. To date we have already paid interest on money that is in Limbo and late fees to XXXX for the payments I made on XXXX/XXXX/16 that I never knew were never sent to XXXX. We have since had to bring those payments current with additional payments and are now getting the most extreme case of the run around from Bank of America about crediting the {$810.00} back to my credit card. I talked again today to the corporate office for XXXX that for the 3rd time combed my daughters account just to be certain the payment was not applied to her account. He verified it is not. He states he has never seen or heard of anything like this in the banking industry. He, like me suspects there is internal fraud behind my " limbo '' payment but I can get no where by calling B of A. I have called every day since XXXX/XXXX/16 and each call results in 3 hours of holds and transfers. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$9800.00} written off. {$9800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$9800.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date XXXX Dispute
Product: Credit card

XX/XX/2015, I became aware that a merchant had defrauded me on ten occassions. I contacted the Chase Credit Card Company on XXXX XXXX, 2015 and informed them of the fraud. I submitted my documentation to Chase and was able to resolve XXXX of the fraudulent transactions, but Chase continues to deny me XXXX of them. The first charge Chase ignores, denies the next XXXX, and grants the next XXXX by giving me a credit to my card. I have written a total of four letters to them without any understandable explanation as to their actions. They admit in their denial letters that they never were able to reach the merchant, but ignore the fact that the merchant went out of business and is now in bankruptcy court in XXXX XXXX, California. They never address why they credited me for XXXX, ignored XXXX, and denied XXXX.
Product: Mortgage

In 2007 I purchased a a home through sovereign bank. Sovereign was later purchased by Santander. When I purchased my home it was at a time in our country when very shady lending practices were n't just going on, they were status quo. The interest rate on the loan is 7 % for a first time home buyer. I have my finances well in order and have never missed a payment. The loan is the exact description of a predatory loan. I had a subpar credit rating, low income, and a small down payment. I have scratched and clawed to be able to stop foreclosure, improve my credit and keep my home. Post mortgage meltdown the same regulations that would have stopped me from having a loan like this in the first place are stopping me from moving on from the predatory lending practice. I have been denied a loan modification on two occasions, and been denied a refinance once. I have been told from lenders " You need to start missing payments to qualify. '' Imagine the hypocrisy, a loan that I have been struggling to pay ca n't be changed unless I begin missing payments, but If I start missing payments I run the risk of foreclosure if I do n't get approved for the modification. I fail to see how my income, which I higher now then when I originally obtained the loan, and my credit which is higher now then when I originally obtained the loan, are n't enough to get me a lower rate. I currently have a loan with an obscene rate generated from a predatory lending practice, and the very stipulations that are in place to stop the predatory lending are stopping me from getting a fair mortgage. How can this be allowed to go on, am I just the one person caught in limbo who did n't default, but also ca n't qualify for any resolution because I put payment of my home a top priority. Predatory lending is obscene and the fact that it went on is abhorrent, but to not correct a rate more then double the current status quo is unconscionable. Santander the lending institution has denied all my attempts at resolution. Other lending institutions wo n't refinance my loan because I do n't make enough money, even though I am currently paying, and have almost 10 yrs of on time payments at a higher rate. What is going on how can this be ok, or even remotely possible, what does America stand for anymore.
Product: Consumer Loan

My lease with US Bank expired after i paid my last payment on XXXX/XXXX/2016 and returned the car on XXXX/XXXX/2016. I called US Bank XXXX, and they still keep on taking out the monthly automatic payment that i was required to start. there is NO way to turn this off via their web site. I spoke with XXXX customer service rep 's who do n't know how to turn off the automatic payments when they have the returned car. I spoke to a Manager XXXX XXXX who also said it would not be taken out. However, it still took my money without any remediation. They owe me and many other end of leasee 's who kept on taking money out of account after lease ended. They owe me {$250.00} returned immediately.
Product: Checking or savings account

Someone open an Bank of America account in my name and they said I owe {$1000.00} and its on my Credt my identity was stole
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Bread Financial who is the issuer of my XXXX XXXX credit card sent me an email today XX/XX/year> advising me to add my credit card to my digital wallet, use it digitally three times at XXXX or outside of XXXX ( it is a XXXX XXXX ) and I would recevie a {$10.00} XXXXXXXX XXXX XXXX XXXX I tried numerous time to add the credit card to my XXXX and XXXX XXXX, receivng a message to contact my issuer. I called the credit card company and spent 2 hours on the phone today!! I was told they could send me a new card, I asked what would that resolve? No answer. I escalated to a supervisor who told me that my credit card was not eligible to be added to my digital wallet. I asked how could they send me an email ASKING me to add it and it incentivize me to do so and not honor it? No resolution. I was trasnferred to their digital team who told me this was due to a XXXX issue and not their fault! I advised the credit card issuer that I was going to file a complaint with the CFPB this was unfair and deceptive. The agent XXXX advised me to file the complaint! I asked if they could issue the {$10.00} credit to my XXXXXXXX XXXX XXXX account since this was not my fault, they told me no. I advised that a 2 hour phone call with numerous agents has cost the company more than {$10.00}. I contacted XXXX who advised me this was not thier issue and I had to contact the issuer, XXXX transferred me back to the credit card issuer who provided me with a XXXX phone number. XXXX advised this was not their issue and to contact the credit card issuer! I have spent entirely too much time attempting to accept the credit card offer the issuer provided and am unable to due to their systems issue with not allowing my card to be stored in my digital wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.
Product: Credit card

had stopped using my pnc credit cards due to pettiness about XXXX interest. needless to say i will never sign in again for a credit card with minimum interest charge. know my background good customer huge medical bills son. if i wanted could wipe this away but i am not.i am fighting insurance to pay bills. anyway asked for XXXX back was told no its been done already. no other bank but pnc treats me this way. this is ridiculous. when people declare bankruptcy they get nothing. i am a good customer. no scripts i want loyalty as there is none i am not using my card agains either of them i also want confirmation on card ending XXXX that XXXX was disputed accurately please credit XXXX spend this time getting to know me as a customer. not reading a script.
Product: Vehicle loan or lease

Lease amount has been paid in full. Incorrect information shown on credit report. Need information updated by BMW on credit report.