23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXX XXXX XXXX in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX XXXX XXXX XXXX that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.
Product: Credit card or prepaid card

My credit was initially run on XX/XX/2022. I am in the process of buying a home and my mortgage lender alerted me to an XXXX report finding by " TD Bank USA/Target '', which I do not have any affiliation with. I then spoke with TD Bank Card services at that time and they said they did not have any account affiliated with my name or social security number. 

On XX/XX/2022, I got an alert from XXXXXXXX XXXX that my credit score had changed and there was credit activity outside of my usual. I was able to see that a credit card was opened under " TD XXXX '' and there was over {$9600.00} charged to the card. 

On XX/XX/2022, I spoke with XXXX XXXX XXXX and had my credit score frozen and increased security on my account. Also on XX/XX/2022, I reached out to TD Card Services directly and they were unable to locate the account using my name, social security number.
Product: Checking or savings account

On XXXX, I opened a " High-Yield '' savings account with Citibank by clicking through an offer provided to me in the Citibank mobile application. As shown in the attached screenshot, the rate that was advertised to me was 1.6 %. I had to call Citibank Customer Service later that day on an unrelated issue and asked them to confirm the interest rate since the online banking portal showed a rate of 0 % on the new account. They told me that they thought the rate would be 1.55 %, but that they could not be sure because the account was so new ( a few hours old ) and asked me to call back the next day to confirm. Because of the apparent discrepancy, I went back to the mobile app and took a screenshot showing that 1.6 % was being advertised. When I checked back the next day, they confirmed that the rate was not what I had been shown. After a few days of getting nowhere with their customer support, they finally opened a " request '' on my behalf on XX/XX/XXXX to investigate the issue. On XX/XX/XXXX, they responded with a letter saying " We reviewed our record 's [ sic ], as per our research interest rate is 1.40 %. We have confirmed that this was calculated correctly and no adjustments are necessary. '' So they were now saying that the rate should only have been 1.4 %, not 1.6 % or even 1.55 %! After calling the bank again and once again getting no satisfaction, I decided to open a complaint here. While I understand that interest rates can change on an account after it is opened, the banks should be required to at least START at the rate advertised when someone signs up for an account.
Product: Debt collection

1st progress # XXXX ) 15 usc 6803 Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.15 use 1681 ( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. they 15 usc 1681c- ( 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.

they has proper documents thats i have been a victim of id theft. they didnt provide proof that it was me they saying information match in sent a bank statement knowing the information not showing proof that it as me i sent police report to the company in they sending statements vaildated the debt
Product: Debt collection

TRANSWORLD SYSTEMS INC Contacted me XXXX XXXX on or about XX/XX/XXXX at XXXX CST asking for a XXXX I just got this new number from XXXX XXXX and it is registered with the state of Missouri and National " DO NOT CALL LIST '' however Transworld has my information and they still contacted me with no merit or reason even apologizing for calling me as my name XXXX was not in there system. The Rep advised me they are looking for a XXXX that owes them money which is a clear violation of " FDCPA '' with regard ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 


Per my new Carrier XXXX XXXX I may have got a recycled number however I have advised TransWorld Systems Inc I don't know any XXXX and they said it will take them several days for my number to be taken out of there system and I may still receive phone calls. 

XXXX
Product: Debt collection

I have been in contact with XXXX XXXX, XXXX, and Vital Solutions Debt Collections, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on XXXX end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no XXXX. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with XXXX XXXX, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with XXXX automatically come with XXXX XXXX. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all XXXX leases in California DO come with XXXX. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by XXXX. XXXX says they paid out XXXX when XXXX requested the amount in XX/XX/XXXX when the car was totaled, and that if XXXX believes that XXXX owes them money, then XXXX is the one who needs to contact XXXX to fix this instead of taking me to collections. XXXX states a deductible was not paid, XXXX says it was paid. XXXX needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.
Product: Debt collection

My Citi Aadvantage credit card is 9 days past due and Citi has called me 4-5 times per day over the last week to remind me of it. They are concealing some of these collection calls by saying " we sent you a new card and want to make sure you received it, by the way you 're past due, can you pay it now? '' It 's a deceptive practice that needs to be stopped. I feel harassed and the number of calls has become annoying. I just payed the bill today, but their communication practices, I believe, are illegal.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX name XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this NEEED EVRTHING REMOED IMMEDIATELY WITIN 14 TO 30 DAYS THANK YOU
Product: Mortgage

In XXXX, I Invoked my rights under the cares act multiple times with United Community Bank representatives, extending the forbearance program. In XXXXXXXX XXXX XXXXXXXX, when i was guided by a representative to make a payment while I awaited my next verbally agree extension, I was defrauded and Illegal & fraudulent actions were taken by United Community Bank representatives. I am DEMANDING that all phone calls from the point in time of XX/XX/XXXX when I initiated the forbearance program under the cares act through the time period of XX/XX/XXXX be formally turned over to me either by transcript or by digital form. These phone calls DO EXIST and it is my desire to prove to United Community Bank of their fraudulent & illegal attempts to damage me & my credit with malice, by reviewing these transcripts & conversations. They continue to lie & manipulate, even when facts have been clear that they have made critical mistakes in executing my rights and use of programs under the cares act. They have also been issued a bill that is past due as a result of their malice behaviors. I am DEMANDING this information be turned over to me within the next 30 days. 

Additionally, United Community has purposefully made it difficult for me to make payments by not showing clear data on their website or giving me access to making regular payments other than using a bill payment method online as a backchannel payment method that does not clearly represent the actual payment required. They have continued to lie and present to all 3 credit bureaus false payment data that has ruined my credit and my ability to obtain additional credit. This purposeful misrepresentation and pervasive attacks are being done deliberately to force me to pay amounts that have no basis and are not valid. They have added late fee 's illegally and are inaccurately driving up my payment as well as inaccurately running a false/incorrect escrow analysis report that has additionally increased the monthly payment falsely. This bank is CLEARLY doing deliberate illegal activities and as reported in the news of their financial struggles as a company, should be INVESTIGATED FULLY by the Federal Government.
Product: Credit reporting or other personal consumer reports

XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXX their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXXI had 2 different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I am supposed to be getting a card for unemployment it has been about 2 months and I still haven't received my card in the mail I have a paper that says I'm supposed to be getting a card that has never came I have called multiple times just to be put on hold for long periods Of time and sometime the phone hangs up I haven't talked to anybody even my employer has called and nobody has called them back I just want to receive my card in the mail like I'm supposed to
Product: Debt collection

Credit was opened with Barclays on XX/XX/XXXX and closed on XX/XX/XXXX ( by consumer ). I had decided to seek debt restructuring with Barclay 's regarding the {$6700.00} that was owed at the time. Due to immense financial hardships I was unable to to meet my monthly payment of over {$180.00} a month ( 24 % + interest ). 

Barclay 's wasn't willing to extend help with this matter and instead of restructuring, demanded that I pay the monthly in 3 installments however the timeline of these installments were so close to the due date that by the time I would pay the third payment it was as if I had experience no relief. I lost my business and main income stream and had XXXX income for that period of time and was forced to rely on my Barclays credit card. 

I inquired about renegotiating interest rates because they were so high however Barclay 's did not facilitate this even after explaining my situation. They sent an email for an offer to negotiate but in the end I didn't even qualify for the offer based on the account and was left without any further resolution in which they started to demand increased payments and possibly full repayment of loan. My only resort was to close the account, and even when I did interest still accrued and my amount owed moved from {$6700.00} to over {$7100.00}. 

I kept getting calls and being bombarded by Barclays about the amount owed, emails, calls, letters to my home. It went into collections and the note was telling me to contact their debt collectors law office. I called Barclays and told them I am seeking consolidation and help from a potential third party who relayed to me that I should be contacted by Barclays however I still was. 

I enjoyed a good relationship with Barclays in the beginning however it seemed in the end that even when I fell into extreme financial hardship, no effort was made to help me as a customer, there was just a demand for repayment and an extension of time just for the interest to accrue.
Product: Mortgage

Dear sir or mam LoanCare XXXX XXXX mortgage continues to mis apply my payments. I have contacted the company multiple times and have submitted 2 previous complaints to the CFPB. Please referee the two following cases for specific detail on this on going issue. - XXXX XXXX My payment amount was changed due to escrow need, I changed the amount to meet was is expected. When I reviewed the payment for XXXX, it was misapplied again. Loancare was only able to process my payment correctly for three months. 
I sent a request to correct this issue once again. This error has continued to occur 10 plus times.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  # XXXX - DATE OPENED XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX - XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account XXXX : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

At the end of XXXX and beginning of XXXX, I loaded money onto my chime card to pay bills and go on a summer vacation. The same day as my flight and my last deposit I got an email saying my accounts where closed because I violated deposit policy. I had a spending, saving, and credit builder account. I was under the impression that the more I used my credit builder account the more my credit would improve. So I made many/ if not all transactions with this card. I got mixed messages from chime saying I would be refunded then I would not. Most recently they are saying they are only refunding a fraction of my total balances. Theyve asked me to verify the funds I deposited and I did. But Everytime they email me its a different agent who repeats themselves. I need help. I do not want or will never do business with chime again, I just want my ALL funds back!!!! I am a XXXX  parent XXXX XXXXXXXX  and they should be ashamed taking people money like this. Where is the justice in these big companies taking advantage of low income people?
Product: Checking or savings account

So my online banking has been locked for over 2 years. I lost my wallet which has my credit cards and ID I provide them with the phone number I have on file and they cant verify me. Im XXXX and live far from the bank. I need access to my online banking
Product: Debt collection

Portfolio Recovery has attempted to collect on the alleged debt on behalf of XXXX XXXX XXXX ( account ending # XXXX ) and reported this debt as a collection to the credit bureaus, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement XXXX XXXXXXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that they have no right to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

Experian decreased my credit rating by 16 points in one day. Experian maintains I have an open account with no activity. I have never had an open account that I did not use. I have no open accounts that are never used. I close an account when its paid of or I have no further use of the credit line. I filed a complaint directly with Experian and they chose not to address my concern. They unilaterally closed the dispute and I completely disagree with their bogus findings. The other two credit agencies have not reduced my credit rating. I want Experience to return the 16 points to my credit rating.