23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a  balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My fiance lives in XXXX XXXX, XXXX and they are recovering from the recent typhoon. They are still having lots of rain, strong wind and no electricity for 8 days already. I have been using Moneygram to transfer funds to help she and her XXXX XXXX XXXX child. I was in the XXXX in XXXX of this year and returned to the United States on the XXXX of XXXX. Since then, I have transferred money using Moneygram around 17 times. The most recent transfer was XX/XX/2023, in the amount of {$130.00}. I am law abiding citizen, all of my transfers have been from my bank account, no credit card involved. On XX/XX/XXXX, I attempted to transfer {$200.00} to my Fiance and I was denied without a legitimate reason. I spoke on the telephone to a representative who called himself XXXX  He said that they were uncomfortable with the transaction. I believe MoneyGram is engaged in unfair business practices. Thank you for your attention to this matter.

MoneyGram CASE # XXXX According to XXXX, Representative.
Product: Student loan

When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received. 

I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )
Product: Debt collection

XXXX of XXXX XXXX XXXX spoke with me by phone on XX/XX/XXXX about a Debt she claimed I owe to XXXX credit card from XXXX, in the amount of {$6000.00}. When I asked that she have proof of this debt mailed to my home address, XXXX told me " it would be too expensive to mail be proof of the debt to me ; and that the lawyers would prefer to file a lawsuit. '' XXXX continued to say " proof of the debt would be shown to me during my day in court, where interest and collection fees would be added to the debt and shown '' to me. According to XXXX of XXXX XXXX XXXX, the debt could be settled for the amount of {$3000.00}. 
I told XXXX that this debt is outside of the statute of limitations to collect and that this debt is not listed on my credit report. XXXX XXXX response was " that is not true '' ; she also continued to say that " this debt would be returned to my credit report in XXXX after a judgement is placed against me ''. I informed XXXX " I have not been served for any civil matter ''.
Product: Bank account or service

The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. 
They chose to process debits before the credit which was deposited 3 days prior. 

this is a common dishonest practice and I want the XXXX back!
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THESES accounts XXXX ) XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXXXXXX XXXX  account # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX I never gave my permission to furnish any negative accounts. 
Please Delete XXXX XXXX XXXX XXXX XXXX XXXX. Address From my Credit Report!
Product: Mortgage

application for refinance, never ending. from loan estimate to several closing dates. they now have a new appraisal and took 3 weeks to pass the estimate to me. repairs are to be made [ outside ] now need a va wavier until spring. no response to email asking what to be done now. they simply don't reply and have cut off my phone. you can't call the main #. it appears they are unwilling to proceed with the loan. [ original application XX/XX/19 ]. have changed stories constantly. if they don't want the loan just say so, tell me why. it appears they are trying to run the clock out [ after they took another {$500.00} for an appraisal. 120 day mark not far away. no movement on their part and just make it up as they go. EXAMPLE : the va says appraisal can have 3 to 5 days after completion to notify me of finding. they took 3 weeks. hope this gives you an idea
Product: Checking or savings account

At XXXX on XX/XX/XXXX a text was sent to my phone from Capital One bank stating " We received a wire transfer request... If you didn't request this, call Capital One immediately ''. I saw this at XXXX and called immediately, to be told that they didn't open until XXXX and for me to call back. The account is a XXXX account that has very little activity. NEVER a wire transfer. When I reached someone at XXXX, I was told the wire had gone out to XXXX XXXX . I told them it was not authorized. I was forwarded around to several departments and was put on hold anywhere from 23 minutes to 66 minutes each time I was transferred. I was told I must have my devices " cleaned ''. I did that, for {$300.00} - to find that I had no breaches and my device was not even used on XX/XX/XXXX. Capital One insisted that someone sitting at my desktop in my home requested this transfer in the middle of the night, so they will not refund my lost funds. This simply didn't happen. It is more likely my personal information was compromised during Capital One 's breach in XXXX I have continued to call for updates, and continue to be transferred around and put on hold. Capital One allowed a suspicious wire transfer to leave my account and apparently has no procedures in place to prevent such fraud. I wasn't even contacted for authorization. It is becoming clear that their strategy is to continue to pass my call around and put me on hold, hoping I will eventually go away, and forget about the thousands of dollars of my money the bank lost due to sloppy procedures and poor fraud alert technology.
Product: Credit reporting

Tried to open an account at creditkarma.com, and it stated that the information that I had entered did not match their records. I have never visited or entered my information on that site before, or any website of that kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1977 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS NOT A DUPLICATE : I am outraged by how unprofessional Equifax is. Ive been waiting for a response on my dispute I sent over since XX/XX/2020. I also sent in a demand to comply in 30 days letter which I was told no one received. I have factual proof and evidence. It is now XX/XX/2020. I called in on XX/XX/2020 and was told by an Equifax agent that my letter was received on XX/XX/2020 and not XX/XX/2020 she stated and mentioned that the disputes of account inaccuracies will no longer remain on my credit report as of XXXX, XXXX, 2020. I have proof the accounts were removed but remained on my consumer report. That is a dirty game being place. My actual address is XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. All other addresses are to be removed, XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX. I disputed the other addresses which werent removed. I have no knowledge of the other addresses listed in the attachment. Please remove them now. The accounts were removed and placed back on my consumer report. I have the evidence to prove every rat game Equifax tried to do. I have notated and took pictures of every contact with Equifax. Here is the agent name and badge number. XXXX XXXX with Equifax : XXXX. I am now really upset and distress at the fact that this incident is lingering and I have now filed a lawsuit do to the fact of Equifax not responding and playing games. I am XXXX at this point. This was not my first attempt to contact them. Theyve now been past 120 days and they act as if no documents were sent in and I sent in everything. This is my 3rd time sending documents in still no change theyve violated my rights at this point within section 807 in the FDCPA.
Product: Credit card or prepaid card

Chase closed all m y credit cards and checking accounts without notice. When asked about the reason, none was given except the answer of " due to compliance ''.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I applied for a payday loan for {$2600.00}. I have been repaying that loan back since XXXX XXXX, XXXX. I have {$200.00} withdrawn from my checking account every 14 days. I can no longer afford to pay this loan. To date, I have paid {$4800.00}. I have paid back my loan and then some. I made 2 attempts to resolve this issue. I made the first attempt on XXXX XXXX, XXXX and the second attempt was made on XXXX XXXX, XXXX. I asked after the withdrawal made from my checking account was made on XXXX XXXX, XXXX, if I could settle this account with a balance of {$4800.00} because I can no longer afford the payments. They apologize and said they need all of their monies.
Product: Credit reporting or other personal consumer reports

I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XX/XX/XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My legal name is XXXX XXXX XXXX. My phone numbers are XXXX XXXX XXXX. I have been residing at my address for the past 18 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is where I used to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, Bridgecrest, has violated my rights under Title 15 U.S.C.1681 section 602 a ( 4 ) which states I have the right to privacy. In addition, there was a second violation under the same FCRA, Title 15 U.S.C 1681b section 604 ( 2 ), which indicates a consumer reporting agency can not furnish an account without my written instructions. These violations were conducted in XXXX XXXX on my credit report. Under FRCA 15 U.S.C 1666b, a creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and Discover. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to XXXX XXXX XXXX for XXXX XXXX XXXX. 

I have since contacted XXXX and XXXX  XXXX XXXX. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to XXXX  XXXX XXXX personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I sent XXXX EUR to a Church in XXXX trough Pay Pal, in XX/XX/XXXX I sent another XXXX EUR and the last transaction I sent XXXX EUR in XXXX XX/XX/2019, all this money I sent was for the building project of the Church. They have been trying to retrieve the money with no success, every time the Pay Pal in XXXX demanded a different document, when they { church cashier } realized that will not be able to get the money they informed me and I tried to request the money back, but on the church 's Pay Pal account they don't have the option to approve the return, only that the account is unverified, unable to get them to prove the return I escalated the case with Pay Pal and shortly I received this " We have reviewed this transaction ( s ) and are denying your case ( s ). Cases must be filed within 180 days from the date of the transaction. The decision to deny was made because the case was submitted after the 180-day deadline. Therefore, we are unable to offer a resolution toward this matter at this time '' I don't know what my options are at this point, in XXXX they cant receive the money and here I was denied. 
Please help THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses
Product: Debt collection

I have contacted this company multiple times about a debt that popped on my XXXX credit report- they said that I owed a spectrum account and told me i needed to contact spectrum. I have several ACTIVE account with spectrum and spectrum has advised me that they do not see this account in there system at all so I shouldnt have a account in collection with Waypoint. I am so confused on what this is. no one is helping me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX THIS ISSUE HAS BEEN GOING ON. 
On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail ending XXXX On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity and update access to my online login. They are now applying stalling tactics despite all documents confirmed receipt and accepted. Equifax did not act on conducting a reinvestigation on all the accounts I challenged but now saying they have no documents to support my identity by stalling so I am seeking your help for them to stop playing around as I need to get my REPORT FIXED BECAUSE OF all the inaccurate DATE OF LAST ACTIVITY reporting of student loans, ILLEGAL INQUIRIES and VARIATION OF INVALID addressES. This is truly causing mE PERSONAL FINANCIAL ISSUES OF GETTING LOANS DUE TO ALL THE ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

cIm submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

For the third time in less than 9 months this company has checked my credit and lowered my credit limit. I filed a compliant against this company in XXXX I believe with you all. You all did nothing about my complaint with this horrible banking institution. They have once again made an inquiry on my credit and reduced my limit. They just made an inquiry in XXXX. There has been no changes between XXXX and XXXX on my credit. I have no late payments, no new negative or derogatory accounts. This company is targeting me because they have horrible policies that I complained about a few months ago, and still have not been changed. Every time they check my credit, that is an inquiry and that lowers my credit score, the lower my credit limit and that impacts my credit score as well. I will now contact every member of congress and get someone's attention about this matter. XXXX XXXX XXXX XXXX XXXX every media outlet until change is made. There is no reason whatsoever to have my credit checked three times and my limit lowered each time by this company. Who else are they abusing and striving to ruin the credit of. I will reach out to each store that they also service with store credit cards to encourage that they cut ties with them and find another bank.
Product: Mortgage

I previously filed a CFPB complaint disputing a 30-day late payment reported on my credit. 

I initiated the payment before the 30-day deadline, but it posted on the 31st day, making it just one day late. 
I was traveling outside the country, so I was unable to receive postal mail. 
I had already enabled paperless billing, so why wasnt I notified by email?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently applied for a mortgage loan and was approved but my terms were not favorable due to my credit report. When I pull my own report, the values are higher and positions me to have a ideal loan. Unfortunately, the information submitted to loan companies is different by nearly XXXX to XXXX points which can truly affect interest rates. I pay a service to see my FICO scores yet what is reported is much lower. How do I resolve this? 

I have attached a snap shot of what the mortgage company received and what value I received from the actual bureau in which my approved mortgage value was affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at Equifax and other institutions my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent. I have never given written consent therefore this is also identity theft also.
Product: Credit reporting or other personal consumer reports

I have been trying to Freeze my Credit with TransUnion multiple times over the last 2 months using their website and phone channels. Website always shows an error directing me to call them. When I call them, it gathers all my personal information and ends up in a place where I can not proceed any further. Any help in freezing my credit report with TransUnion would be appreciated. 

For comparison, I froze my credit report with XXXX and XXXX in the very first attempt.