23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to them in XX/XX/year>. The first problem occurred when my current way of payment wasn't followed. And then there was this mess of payments being made and then reversed, made again, then reversed. At no point did anyone reach out to me via phone. When I called, what they explained didn't make sense to me. When I tried to set it up online it didn't work. Calling doesn't work because they tell you what you want to hear, hang up and do nothing. And you have no way to prove any of that. I called at the end of XXXX and spoke with XXXX about continuing my biweekly payments as I had done with my old mortgage company. She said she would have to send me out some paperwork to fill out. I filled it out a couple of weeks later, sent it via email and got a response back via email due to my account not being paid ahead one month in advance. I was denied. So now, on XX/XX/XXXX, I called again and spoke to a gentleman who, at that point, I explained the situation AGAIN. He tells me he can fix it and takes my payment for XXXX and then tells me he will run my XXXX payment the next day because his system will think it's a double payment if he runs it on the same day. This needs to happen before my biweekly payments can be set up. I ask him to please email me about what he is doing for my records, and he says " YES ''. I waited a few days and low and behold NO EMAIL. Lord help me!!! I check my account and guess what my XXXX payment is made right, but my XXXX payment is all put towards my principal, which means I'm not a month ahead. Now I'm calling again ... ...... I am calling for the last time because I'm over this on XXXX XXXX XXXX. I explained everything to her. She said she sees the problem and will take care of it. I asked her if she could email me about our conversation, and she said that they are unable to do that, but she will give me a return call on Thursday. 



# 1 Issue How are we to hold this company accountable when they are safely hiding behind their computers?
Product: Debt collection

Alliance collection agency is trying to collect an debit from me that I never a contract with them. I have received harassing phone calls and letters. I don't owe this company any debt. I want all collection attempts to stop immediately.
Product: Debt collection

I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do
Product: Money transfer, virtual currency, or money service

I was first called in the name of XXXX  state police department and then from customs and boarder protection from the same contact numbers that were on the XXXX and said that there are illegal transactions and drugs smuggling on my name and made me transfer to an account saying that the account is from the government and the money will be returned after a new ssn and passport number is given to me. Even though i realised that it id a scam. I still have them on calls pretending that i still believe them. 
Please contact me as soon as possible before i loose contact from the fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported 5 times that the accounts from XXXX XXXX XXXX, Best Buy/CBNA AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX  XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to SAGESTREAM LLC. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

There were several unauthorized charges made on my Discover account at the end of 2019. As soon as I learned this, I instantly froze the account and contacted Discover.  They assured me that consumers are never responsible for unauthorized purchases on their accounts. Several of the charges were found to be fraudulent, so clearly the account had been hacked. However, there are three remaining charges that I am still being charged for, although I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine  XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.
Product: Debt collection

PRO Collect XXXX contacted me on multiple occasions. The first gentlemen I spoke with I gave him the name of the law firm that I am using to handle debts and eventually file for bankruptcy. I have asked the company to not contact me directly and to refer any questions comments or concerns to my attorney directly that I have retained. They still continue to call me and tell me that until I file bankruptcy in court they will contact me and not my attorney. The most recent calls were on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute these accounts and inquiries because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I would like to warn the general public and report Chase bank about mishandling of disputes resolution. A purchase was made on a Chase card on XX/XX/2023. The merchant was unable to fulfill the order and did not ship the order. Merchant distributed a statement to affected customers stating the orders were not fulfilled and that the payment processor was not letting them issue a refund. To please charge back with the bank due to this. Thinking it was a simple process, I contacted Chase and initiated the dispute for goods not received on XX/XX/2023. The payment processor ( not the merchant ) sent an automatic reply to Chase on XX/XX/2023 with order information. No record or order being fulfilled, shipped or delivered. I contacted Chase on XX/XX/2023 and explained once again that nothing was fulfilled, shipped or delivered, and that the actual merchant had acknowledged this and communicated it to all affected customers. I submitted the documentation I had ( receipt and the pdf document from the merchant ) and was told that it was more than enough since it was clear I was right. After numerous calls for updates throughout XXXX, XXXX and XXXX, and without receiving any request for information or clarification from Chase, I found out Chase is denying my claim. I would like to warn the government and every possible customer of Chase that what they state in their website about purchase protection and having your back is just a marketing plot. If you ever need them to have your back youll see yourself footing the bill and scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion regarding an unauthorized hard inquiry on my consumer file. TransUnion did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my TransUnion consumer file. 

Furthermore, I called TransUnion again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. TransUnion violated the FCRA and I am entitled to compensation.
Product: Credit reporting or other personal consumer reports

this complaint has been going on far too long dealing with transunion, XXXX, and XXXX  reporting my information without my consent, per 15 usc 6802, the privacy act of 1974 and it has damage my credit this year keeps me in XXXX because of bad credit. they are reporting non-mailable addresses see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had misinformation on my credit report and failed to correct the misinformation in a timely manner. I have worked with them several times and their inaction is a form of harassment and selective discriminatory practice. 

The infor mtion that they have on my XXXX XXXX  account, my XXXX XXXX Account and on Progressive LEasing Account are all incorrect. 

As a result of their errors, an account was closed that should not have been, damaging my name and reputation and causing a FICO score to be lowered when I was improving my FICO score regularly for the past year.

TransUnion operates a monopoly and uses biased and systemically XXXX algorithms and they target consumers to force paying higher interest rates and higher cost of capital than is necessary, through manipulation, errors and biased and systemically XXXX programs,
Product: Debt collection

MIDLAND CREDIT MANAG # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Product: Checking or savings account

Dear CFPB ; I am currently being nickled and dimed should I say because an account that was opened by myself using a verified check from XXXX student loan, number XXXX ; and also they have verified to me the amount of XXXX ; from the representative XXXX.After I made my deposit, my local bank here, Citizens Bank, address XXXX XXXX XXXX, my federal check was frozen and so was my account not allowing me to get online banking and thus I had to pay 3per month because my account has been frozen for approximately five months currently and it now seems very curious.While XXXXm waiting for a check to clear from the US Treasury I feel safe to say because I did indeed verify the exact amounts with XXXX at XXXX Student Loan.My funds are from a US Supreme Court class action lawsuit where my school, XXXX XXXX XXXX XXXX and many others were found to have been found liable for loans to misrepresentation.This can be found in the US Supreme Court Borrower Defense Class action Lawsuit.Please note this is not associated for any if the Biden Admin student loan progress.I do appreciate any help and I will include the US Treasury check stub I do have after I gave the settlement funds to Citizens.I have attempted to give my time and more than is necessary information to Citizens about my ause for receipt of the federal money explanation and feel it should be the Banks turn to be fair especially as they maintain a federal charter and should be verse on this case.Sincerely yours, thank you XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Experian. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Date open : XX/XX/XXXX Balance updated : XX/XX/XXXX Original balance : {$300.00} Status : closed {$820.00} written off Completed investigation of FCRA dispute consumer disagrees. 

I would like to get this removed off my credit report Ive already paid the balance and the account has been closed. How do I get it removed?
Product: Credit reporting or other personal consumer reports

On XXXX I sent the first letter to XXXX, Transunion and XXXX requesting inquiring why they are continually violating my FCRA and FDCPA rights by reporting inaccurate information on an account that is showing on my credit report as sold or transferred. On XXXX I sent a follow up letter requesting all documentation regarding this account : how this account was applied to my credit report, all documentation used to verify this account belongs to me, all documentation bearing my signature in regards to this account. As of today XXXX I have not received any response, no documentation. This is a clear violation of my FCRA rights to have accurate information reported XXXX percent of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my XXXX report and Oportun inquiry is still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : # = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is at the XXXX in the Mr. requirements and for serve reason of getting denied because of very irrelevant things that pertain to having the XXXX XXXX credit card. My credit history shows I can afford it so I dont know what I keep getting to know can you fix this?
Product: Credit card

I applied for an American Express Business Credit Card and received it. The card had an introductory interest rate of 0 % for over a year. I got the card to purchase equipment I needed for my business to save on the interest the equipment company was charging. Not even a month later from receiving the card I received a text that my payment was past due a couple of days. I had not received my first bill from them or any other notification that the bill was already due on the card I had just received. I believe the first payment was 4 days late. American Express then raised my interest rate to over 20 % on this brand new card that guaranteed a 0 % interest rate. I have contacted them several times to dispute this and they refuse to honor the interested rate stating that because I was a few days late on my first payment that they can forfeit that offer. I never even received a bill or notice. The interest it costing a small fortune I can not afford to pay right now, hence the only reason I got the card in the first place. Please help.
Product: Debt collection

I know that I am behind and doing all I can to catch up but Flagship calls almost each day. Almost each day that they call, they have called anywhere from 4-9 times daily within the month of XX/XX/XXXX alone. I have been communicating that I am doing my best to get this caught up and have already explained to them that the frequent calls are affecting my medically diagnosed mental illness. My fiance, XXXX, has been given authorization to speak with them due to the severity of the effect this has on my illness. Even when she or I have spoken to them they call the next day or two after speaking with them. We have expressed concern about this on different occasions ; the last occasion being around XXXX to XXXX. Even after making a payment we received repeated calls within less than a week from making the payment. 

Also, originally I was told in XXXX that I would be eligible for a loan modification in XX/XX/XXXX but now I am being told I have to make 3 contractual payments before I can receive a modification. We made 2 payments 2 weeks apart but it still does not seem to be enough. In fact it seems the calls have increased even more since we made the payments. 

The last agent that we spoke to on XXXX stated that there is a default on a medical extension and that the extension brought the loan current and that it is again 2 going on 3 months behind. We were told by the agent setting up the extension that it was not bringing the loan current at that time and that it was putting me only one month less behind so I am not sure what to believe. 

I am trying my best to catch up but this is affecting my mental health extremely. I need help not to be bullied and harrassed.It will be helpful if the offer of modification from XXXX for XX/XX/XXXX is honored and the company does not continue to make so many excessive and abusive calls and voicemails. My references have expressed concern with excessive calls also. I would also like for them to not call any more of my references repeatedly because they have my contact information.
Product: Debt collection

Hi I tried for 7 years to resolve this issue with Citicard. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement.

I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.