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

I am unable to lift the security freeze, as required to obtain a new loan. After logging in, when I attempt to access the freeze, I get the following error message : " Status not found. We're having trouble loading your information. Please try again later. '' I've been sending them daily messages since XXXX. The customer service representative that responded to my email provided generic information on lifting freezes. They did not comprehend that there is a glitch that needs to be addressed. I'm unable to reach a real person via phone.
Product: Credit card or prepaid card

I have been an American Express card holder since XXXX, and a Platinum card member since XXXX. American Express pulled a " bait and switch '' in their issuance of a Platinum card to me. An employee/agent of American Express stated to me that upon the condition precedent of having to pay the entire balance of the card every month the quid-pro-quo is that there is no spending limit on the card. My wife of XXXX  years XXXX XXXX in XXXX, XXXX after a long and anguishing XXXXXXXX. I made arrangements with a XXXX XXXX for the XXXX XXXX  and the service. The XXXX XXXX  advised me that they accepted American Express and therefore not to worry about the charge. However, on the day of the XXXX  American Express refused the charge, I was shocked and enraged beyond words. During this time of immobilizing grief I had to suffer the further embarrassment of having to tell the XXXX XXXX  that I was not able to pay on that day. Fortunately the XXXX XXXX  was understanding, and I wired them the money a few days later. I was marketed and induced to pay additional monies for an American Express Platinum Card on the assurance that there would be no spending limit as long as I paid my bill in full each month, which I did for over 40 years.
Product: Checking or savings account

Went in to cash my social security check and they said they could only deposit it and the funds would be available the next day. Then when I came back the next day they said that a hold had been placed on my check for 5 days by a clearing house and the6 can't provide a reason for 5 days. This is crazy and i rely on this money every month.
Product: Debt collection

I am victim of identity theft. And Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.
Product: Checking or savings account

On XX/XX/XXXX discovered my account was being closed. No notice from Chase. Discovered from notice of automatic payment denial. 
On XX/XX/XXXX Called customer service. " Chase has frozen your account, it is in the process of closing, we have the right to choose to no longer service your account per the agreement signed at the opening of the account, ( 22 years ago ) " Chase '' doesn't discuss the criteria or the reason. It will take seven to ten business days to close the account, seven to ten business days to review the closure, and seven to ten business days to cut a check. " I went to my local branch and was told by XXXX XXXX ( after he called customer service ) the same information. 
On XX/XX/XXXX I received a letter from Chase. ( see attached ) On XX/XX/XXXX I returned to my branch and stated that 21 business days is too long to hold my funds. I was never asked to provide any information about my accounts before they were frozen and the closing procedure was initiated. There are no transactions pending, I asked them to close the account and cut me a check. I was told the check would be cut about XXXX and mailed. " The funds had to be verified. '' One quick look at my statements would " verify '' any funds. in those accounts. They were put there by cash deposits, direct deposit payroll checks, pension funds, or social security. Their own records.
Product: Mortgage

I contacted my mortgage company XXXX XXXX in XX/XX/XXXX, they didnt follow the different available forbearance program guidelines under federal law. I have an fha loan which was XXXX dollars a month when I contacted them in XX/XX/XXXX. They started the forbearance from XXXX to XXXX til roughly XXXX of XXXX. My account ended up being delinquent for XX/XX/XXXX which was the first problem with XXXX XXXX. I called to request for the full 18 months forbearance that was available which was refused as I was still struggling terribly. After it all I started to work on a modification at that point where they told me my Mortage had was XXXX a month however they would give me a 3 XXXX XXXX at XXXX a month and if I could fulfill those terms I would pay the XXXX a month not to mention I would owe them the full amount of XXXX XXXX dollars of the money due of the forbearance period and would not be put to the back of my loan. I explained if I couldnt pay XXXX how could I pay XXXX to then go to XXXX plus the XXXX. I called continuously through the process where they said they would see if they could work out a different modification. I find out my loan was sold to Sps portfolio in XXXX of XXXX. Now XXXX currently dealing with Sps with missing recorded calls and so called different modifications information from XXXX XXXX and now they want to keep my original Mortage payment of XXXX. XXXX still dealing with the financial effects of COVID plus inflation of taxes insurance food utilities etc. I have not been offered absolutely any government available programs which could lower my interest principal monthly payment anytime to solve the effects of the pandemic disaster. I feel I should have all government available options to me which was not given to me. Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to update my cash app account and when I did i was instantly locked out and got a meesage that i had violated the terms od service. i was never able to reach anyone at cash app to get my account restored. i believe someone hacked my account and took it over without my knowledge. I want cash app to unlock my account so i can start using it again.
Product: Mortgage

My current mortgage servicing company, NewRez LLC ( aba Shellpoint Mortgage Services : XXXX ), and previously, XXXX, have neglected to pay my XXXX quarterly property taxes. Taxes are broken into two parcels : a ) apartment {$3700.00} and b ) parking XXXX. As a result, my property is currently delinquent and is accruing daily interest penalties. 

I have been making my monthly payments in earnest on a monthly basis. My escrow account has more than is required in order to satisfy all outstanding payments. 

All my attempts to contact Shellpoint and convince them to make the disbursements have been unsuccessful. I submitted to Shellpoint multiple " Notice of Error '' emails and faxes.
Product: Debt collection

A Cease-and-Desist request along with a validation of debt certified mailing to XXXX XXXX XXXX regarding Capital One Bank closed/charged off the account. XXXX XXXX XXXX is attempting to collect a debt as the alleged Third-Party Owner of the discharged debt. I have attached my correspondence to the CFO and last known address below. Also, XXXX XXXX XXXX and XXXX XXXX XXXX. are one entity in the same. A cease-and-desist debt validation is attached to this complaint. 

( 1 ) Cease and Desist validation of Debt ( 1 ) XXXX correspondence from XXXX XXXX XXXX ( 1 ) Captial One Credit Card Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

A debt from the department of the treasury was placed on my credit reports when I noticed it I sent in a dispute to the debt. I have attached the 1st debt letter I sent and never got a response back. I have challenged this debt numerous times and haven't received a response. Not only have I challenged the debt but in XX/XX/XXXX and XXXX of 2021 they kept calling me at odd hours. They also kept sending me mail with symbols that I didn't recognize from a third party collector by email and mail. I have email and hardcopy traffic of this correspondence if needed. It says that the highest amount of the debt was around XXXX but they are trying to charge me around XXXX for the debt with ridiculous extra charges. I feel like my consumer rights are being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been driving for XXXX for over four years. Earlier this year, they ordered a background check from Checkr, which reported three accidents on my driving record over the last three from the VA DMV. I have unsuccessfully tried by phone and emails to convince Checkr to relay to XXXX that in VA, accidents appear on a driver 's record regardless of whose fault it is but they do show a disclaimer regarding that, which Checkr does not show in its report. As a result XXXX has deactivated my account. I have also applied with such companies like XXXX and XXXX which have declined my application for the same number of accidents showing on my record I have provided Checkr with police reports and insurance company statements that I did not cause those accidents which they simply ignore. They would say contact the company involved, which would then say to go back to Checkr. Checkr would even show the rejection as coming from say XXXX, when it actually comes from them. Credit bureaus customarily forward consumer feedback re items on their credits to those who requested the investigation. I have attached copies of some communications I have had with Checkr about this matter.
Product: Debt collection

National Credit Systems [ XXXX XXXX XXXX, XXXX, XXXX  XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear National Credit System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that National Credit Systems has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of XXXX XXXX  state law. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, National Credit Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect National Credit Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for National Credit Systems , as provided under Section 616 of the FCRA.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ending XXXX with balance of over XXXX idispute this amount owed XXXX XXXX refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, XXXX XXXX closed my card. Please assist
Product: Debt collection

Purported entity, not registered as an LLC in XXXX, established the website XXXX. They use the name XXXX XXXX XXXX. Previously they were using the false name XXXX XXXX XXXX. They repeatedly robocall consumers, several times per day, and assert a case has been filed against them. 

Company changes name frequently. 

Debts are all outside the statute of limitations for filing a suit or previously disputed debts. 

Company appears to be a false name, possibly affiliated with XXXX XXXX XXXX, as once an agent mentioned XXXX. 

Address is a mail drop. 

Company uses XXXX as telephone. Company uses maildrop XXXX XXXX XXXX, XXXX XXXX, XXXX Ga XXXX as only address. Callers claim they are in XXXX, but no registration with Georgia Secretary of State.
Product: Debt collection

Account Name RADIUS GLOBAL SOLUTIONS Account Number XXXX Date Opened XX/XX/XXXX  Balance {$340.00} Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Theyre also reporting inaccurate information on my profile with inconsistent data on my payment history with XXXX showing ND but XXXX, XXXX, XXXX, XXXX and XXXX all have C ( Collections ). Its my understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly. 

Collections is not from original creditor. I do not owe Radius Global Solutions- ( account # XXXX ) {$340.00}. I never heard of Radius Global Solutions and I never did a contract with them.
Product: Debt collection

I have been dealing with Portfolio Recovery Associates or is it PRA Group- either way it's the SAME I have attempted many times in the past to aquire updated status of the debt because it has been 'bought ' multiple times, I have shown up at the court house after having received 'court papers ' only to be told they couldn't find the docket number and didn't have me on the case booking. I have had a woman from the company repeatedly asking me to borrow money from people, family or friends, for that very phone call, telling me to 'try to borrow money from someone right now '. I asked repeatedly since to have updated paperwork mailed to me and haven't received anything yet, but now I have this company and the previous owning company 'verifying ownership ' of this one debt to the credit companies. They now call several times a week, even on weekends, some times every single day.
Product: Mortgage

My firm submitted authorization for this clients file on XX/XX/XXXX. We followed up with a phone call to Citi on XX/XX/XXXX and requested the file be opened for a short sale review. After multiple transfers the representative agreed to complete the phone interview and create the request for short sale. I was advised that we must go through the modification review process prior to the short sale process and to do so, we need to set up a phone consult with our assigned representative. In this case, XXXX XXXX. Although my call was on XX/XX/XXXX the soonest they could schedule a call back was XX/XX/XXXX. I waited for the call and 75 minutes after our scheduled appointment, and no phone call was received, I contacted Citi. They indicated that XXXX XXXX was away and that I should schedule another call back for next week. I requested to speak with a manager who suggested that he e-mail the short sale team and ask for the file to be reassigned. That would take 2 business days, so on Friday I could call and find out who my new rep is and schedule a call back. I explained that would be no faster and that taking a week to schedule a call back is unacceptable. He assured me he has no way to remedy this issue faster. I asked to speak with someone else and he disconnected the call. I called back to Citi and again was told that the " best thing to do '' is to schedule a call back. I did schedule a call back ( this time for XX/XX/XXXX ) but assured the representative that I would be filing a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks
Product: Checking or savings account

XXXX XX/XX/23 XXXX ( 22 minutes ) telephoned TIAA bank to ask about a CD had seen. Spoke to a young man. He said i could open the account and fund it later. The interest for the month was not being shown. I said i would call and authorize funding. 
XXXX I am looking at transfers from TIAA to other institutions XX/XX/23 XXXX ( 9 minutes ) spoke to a youmg lady and she could not tell me how much interest was accrued for the month. I said i would call to fund later. 
XX/XX/23 XXXX XXXX  ( 7 minutes ) spoke to a young guy. I saw my CD was funded. I was XXXX and DID NOT AUTHORIZE FUNDING. 
XX/XX/23 XXXX ( 6 minutes ) I was very aggravated after sleeping on the funding- not authorized and a large sum. i spoke to an older gentlemen who said i authorized funding when i did not. I said i wanted the money out of the bank, since i did not authorize funding. 
He said it would be a {$2000.00} charge. I had to get off of the phone very shaddy
Product: Debt collection

I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.
Product: Vehicle loan or lease

I have a truck loan with Coastal Credit. 
They will not allow me to make my payments online. 
They stated in a reply on my last complaint that it is an option but when I try to pay online I am locked out. They will not resolve this issue no matter how many times I call