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

The credit card in question is one that I have not used in over ten years, but was recently charged by fraudulent spam accounts starting in XXXX of XXXX. Capital One did not send me bank statements that these charges were occurring ; therefore, I was unaware and could not dispute them earlier. I only found out that this was happening when Capital One started reporting my lack of payment to the credit reporting agencies. I received my first statement on XXXX XXXX ( after calling to inquire and demanding they send them ). 

On XXXX XXXX, when I made the aforementioned call, according to Capital One 's customer service representatives, they could see that these charges were made and were fraudulent. Evidently, there were other charges that were caught and denied ; unfortunately, there were other times they were not caught. 

On the same call, I was told there was nothing they could do to resolve the issue, that I would have to pay my {$320.00} bill in full. They also did not know what I could do to resolve the hits to my credit scores/reports.
Product: Credit reporting

The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies.
Product: Checking or savings account

When on on XX/XX/XXXX I tried to close my No Penalty CDs with Marcus Bank It was denied and I was asked to call a bank agent. Which I did. During this call I was transferred to the Security Department and then informed out of the blue that there is an alert on all accounts. They asked me my security questions which I answered promptly and properly. But when I asked what the purpose of the alert is they denied any answer only to say that they build a case and gave me the case number and said I would get an answer within 1 to 3 business days. Today after 3 days I called again and was transferred to the Security Department a XXXX XXXX. She told me that the case is still under review and I should wait for 3 more days. Again I insistiert to get an answer about the alert but she again said that she is not allowed to answer the question. Fact is that my retirement money is frozen
Product: Mortgage

I have loancare mortgage company for my home. I paid my XXXX payment on XX/XX/XXXX and the payment went pending through my bank account. Loancare then disappeared! I couldnt get the website to load, i could not get anyone on the phone! It is now XX/XX/XXXX and I still can not get ahold of anyone from loancare! No one is answering the phone or emails! The website is up but will not let me pay my XXXX payment. The payment button is grayed out and when I try to schedule a payment the page gives me an error message and wont load! My account also does not show the payment for XXXX and loan care has applied a late fee even though i paid within the allowed time before a late fee being assed to my account! There is also an issues with my escrow account. It says I owe more than makes sense and did not apply payment. My online account also shows that I owe way more for my XXXX payment than I should!! I get not get ahold of anyone from loancare to address and resolve this issue!! I have no idea what else to do!
Product: Debt collection

I received a notice via USPS that I owed a debt for a past due electric bill of my daughter 's that I had cosigned for. I had paide the bill a few days earlier. called the company to ensure that they had the information that I had paid the debt as I had paid it a few days earlier. 
Calling the number ( XXXX ) on the correspondence, I got connected to a auto answering device that wanted to give me a survey about vacations. It started asking me questions. After answering a few, it told me I qualified for a free vacation cruise and only had to pay the port fees of {$59.00} ( I think ). I punched 0, zero, a couple of times and hung up. At no time did it give me an option to not take the survey or tell me the company I was trying to contact was closed for the day. ( My call was at XXXX EDT. ) This seems an obvious attempt to trick people into verifying a charge to their credit card or a charge of some other sort. Fraudulent to say the least.
Product: Payday loan, title loan, or personal loan

We acquired a loan in XXXX from XXXX XXXX in XXXX for {$800.00}. We made the first payment fine due to it was on my old checking account card. We went to using XXXX and XXXX XXXX for our deposits and every month when trying to pay, they would deny payment stating they cant take those cards. We work 6 days a week, and nothing was mentioned at the beginning about only taking certain types of payments. We can not just go an hour to pay a bill each month. After we got behind, one of the ladies who works there, came to my husbands job, and decided to let his co workers know how late he was and said some terrible things about him, with him not even being around at the time. Luckily, they came back and told him everything, which was extremely embarrassing, due to we do not want everyone knowing our business on our bills. She could have called him outside, or to the side instead of letting his manager and co workers know everything. We are willing to pay it all and have it completely paid off before the end of XXXX, but now they have decided not to take any payment and to sue us for non payment. I am hoping something can be done to stop them from telling their customers business to anyone that will listen. We are filing with the FDCPA also and hoping she gets terminated.
Product: Debt collection

I mailed off my letters off on XX/XX/2021 with my FTC report well as FCRA 605B ( 15 U.S.C. 1681A States ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 Equifax & XXXX all have violating my consumer rights by not having these items DELETED within 4 business dates
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for TransUnion to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. XXXX and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. XXXX has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. I have been unable to look at my credit report with XXXX. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by TransUnion, XXXX, and XXXX. I demand that this illegal way of reporting ceases to exist on my credit report.
Product: Money transfer, virtual currency, or money service

Ive used Cashapp ( Block ) as Im going through social security XXXX process and have very limited cash to survive on at this point. They offer an instant overdraft coverage with monthly payroll direct deposit of {$300.00}. 

Last week they removed this feature from my account and all they will say is I fail to have PAYROLL in the amount of $ XXXX. 

This is at the very least an age discrimination policy that the employees can not seem to explain to my small mind. 
Repeating policy is unacceptable and insulting when I started by asking why a monthly payment from XXXX was not accepted as income.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is closed and written off and sold to a Midland credit management. They are both reporting on same account and have been since XXXX. I called XXXX they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent complaint about the unauthorized inquiries on my report which violated my consumer protection right but for some reason the inquiries still show on my report, In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right please kindly remove. 

1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XX/XX/XXXX XXXX XXXX 3 XXXXXXXX XXXX XXXXXXXX 4 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I had a house fire in XX/XX/XXXX I sent flagstar my claim check to pay off my house and then was to receive the rest of my claims check back they received my check XX/XX/XXXX XXXX XXXX and it's now XX/XX/XXXX XXXX XXXX and I have nothing back!! iv called and called and every time I get the run around no one knows nothing absolutely ridiculous!! they even lied saying it was sent out and it wasn't I checked with XXXX directly!!!
Product: Debt collection

Shock to see this at my credit report is case of identity theft and fraud. they steel my information and report debt which i never know about. 
I have never contacted them for any service.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 there was an unauthorized payment sent on the XXXX app. I didnt authorize the payment. When i called to cancel the transaction they said they could not help me. They said to call my financial institution to see if they can help me.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that XXXX is failing to act responsibly in comparison to XXXX, which has already addressed and resolved most of these inaccuracies.
Product: Mortgage

Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Federal Trade Commission report to each of the XXXX credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as Equifax, XXXX, and XXXX, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX fraudulent inquiries by Bank XXXX XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TRANSUNION }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT : XXXX XXXX XXXX XXXX - XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXXder 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

I purchased XXXX XXXX  from XXXX XXXX XXXX on XX/XX/XXXX ( XXXX is primary and another is secondary ) XXXX XXXX XXXX  Account # : XXXX and I returned both the phones on XX/XX/XXXX in a single box and attached the return label. I spoke with XXXX at XXXXXXXX XXXX XXXX customer service return department and the reference number is XXXX. She generated the return label and she said that I need to return both the phones in the same box because the secondary phone has to return along with the primary phone. I got the confirmation email from XXXX XXXX XXXX Return department on XX/XX/XXXX that my phone was received by XXXX XXXX XXXX. Later my amount ( {$140.00} for XXXX devices ) was credited back to my account on XX/XX/XXXX, So it makes clear that I don't have any phone from XXXX XXXX XXXX. and I request you to file the dispute and investigate and send me the statement that shows nothing to pay XXXX XXXX XXXX. 

XXXX. I have received the call from XXXX XXXX XXXX regarding the outstanding and I explained everything with the below document, then I didn't get calls or letters from XXXX XXXX XXXX. 
XXXX. On XX/XX/XXXX, I received an email from XXXX ( Debt Collector ) to pay the outstanding amount {$1400.00}, again explained everything and sent the below documents to them and requested to send me the statement with XXXX outstanding but not received any response from them. 
XXXX. My Credit Rating gone down due to above outstanding {$1400.00} and it was mentioned to contact the collection agency ( Sunrise Credit Service - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), so I called them on XX/XX/XXXX and explained and sent all the below documents to them to file the dispute. 
I need help because it doesnt look like it is going to be resolved because XXXX XXXX XXXX has given this outstanding to a different collection agency. 
I have attached the following documents for your reference : XXXX. XXXX XXXX XXXX return confirmation email, 2. Statement that shows the amount credited back to my account- I can provide later XXXX. Return Label
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regional Acceptance Corp. retaliated from myself disputing incorrect information on my credit report. I have spoke with them numerous times explaining. I was denied financing due to incorrect information from RAC as you can see in the documents. Financing Companies denied my credit due to RAC reporting I had made a payment to reinstate time of repossession for XX/XX/year>. RAC did reactivated but did not delete even though admitted to misinformation. Even though this account is charged off letters are being sent asking for the remaining balance. Also the amount that they claimed payment of XX/XX/XXXX is historically the remaining GAP insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX said they sold the debt, making Diversified a debt purchaser. 
2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not sprint. 
3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 
4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 

5. I legally have the right to request verification of this debt, noting was sent to me and my rights were violated!
Product: Mortgage

THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT
Product: Credit reporting or other personal consumer reports

XXXX DISPUTED XXXX AND XXXX XXXX I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION THIS WAS DONE THROUGH XXXX XXXX 2022 XXXX CXXXX XXXX XXXX DISPUTE XXXX AND XXXX XXXX I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION WRITTEN OR VERBAL FROM CREDIT BEREAU OR XXXX OR XXXX XXXX. 
XXXX DISPUTE CREDIT ACCEPTANCE, XXXX XXXX AND XXXX XXXX XXXX XXXX. I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION WRITTEN OR VERBALLY FROM CXXXX XXXX  XXXX XXXX OR XXXX XXXX AXXXX XXXX.
Product: Credit card

I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these charges.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a pressing issue regarding identity theft, which has resulted in multiple fraudulent entries appearing on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX  XXXX - XXXX XXXX INQUIRIES- XXXX XXXX XX/XX/year> - XXXX XX/XX/year> XXXX XXXX XX/XX/year> - XXXXXXXX XXXX XX/XX/year> - XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XXXXXX/XX/year> - XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XX/XX/year> I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.