23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on Wednesday, XX/XX/XXXX I started receiving phone calls from nationwide recovery systems from various spoofed numbers in an attempt I believe to conceal their identity and prevent me from knowing who they were. after getting multiple calls from the same number I decided to call them back XXXX XXXXXXXX XXXX during our 4 min call I asked that they send any info they had to the address on file and that they stop calling me and anyone associated with me via any means. I was transferred to a supervisor who stated that he would note my file and send a notice to the address on file ( which I have yet to receive ) I refused to verify anything as I did not want to have my words twisted and miss construed. in spite of my request on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX the company called me from another spoofed number. I informed the rep that I had asked them to stop calling, that she was in violation of the FCRA and that I would be filing a complaint and requesting damages that I am allowed to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Comenity Bank assured me they would remove two improper inquiries from my account. For one inquiry, XX/XX/year>, they claimed they couldn't access my report, yet still placed a hard pull. The second inquiry, XX/XX/year>, was made without my permission. Please follow through on your commitment to remove these, as the promised timeframe has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a line of credit open with XXXX  XXXX XXXX XXXX with a credit limit of {$2000.00}. The account that has been open since XX/XX/2015 and Equifax refuses to report the account on my report. I reached out to XXXX  XXXX and they contacted Equifax directly and sent proof that they have been reporting my payments and account status each month. Its been over 3 months and the account is still not reporting on my credit file. I am not able to get any assistance over the phone. They just keep telling me that its in review. I have sent in several request via certified mail and they keep sending me letters saying the account is not on my file then send me a copy of my credit report which is not needed since I am aware the account is not reporting and that is the problem. This is severely impacting my credit score because I have a an account with over 5 years of good history that is not reporting even though the creditor is reporting it to all 3 bureaus each month. I have attached proof from XXXX  XXXX  as well as letters I have sent.
Product: Credit reporting or other personal consumer reports

Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. XXXX, Texas. XXXX. Any other addresses or spelling is incorrect.
Product: Credit reporting or other personal consumer reports

There is a late fee on my credit report that should be removed.
Product: Credit reporting

Have been disputing incorrect information on my equifax credit report. I received an e-mail stating the investigation was done and it meets the fcra. This is absolutely untrue as I was told an investigation could take up to 30 days. I received a reponse within 1 week. This incorrect information is hurting my credit score and affecting me from obtaining credit. I called to re-dispute the wrong information and was told I am not able to re-dispute information again. This is ridicilious. I have XXXX items on my report that are a result of someone using my information and all equifax keeps doing is updating the wrong information every month. I am being penalized for something I did not do. I am complaining because they ( equifax ) is doing nothing to correct my report. I have also supplied equifax with letters from the creditors ( XXXX ) for my XXXX account and they still did not correct the information and put these accounts in the satisfactory part of my report as the letter states I have never been late with payments and the information should be updated. Equifax refused the letters that came directly from the originial creditor. Unbelievable
Product: Credit card or prepaid card

Paypal is preventing XXXX XXXX XXXX from issuing to me a credit of {$500.00}. 
Paypal is dragging its feet since XX/XX/XXXX, and claiming that they have 75 days to resolve the matter even though XXXX XXXX has told Paypal on XX/XX/XXXX that XXXX has closed its investigation into the matter. 
The transaction was original processed by Paypal on XX/XX/XXXX.
Product: Credit reporting

This was removed from my credit report per the above mentioned dispute. It was then sold to another collection agency and again put back on my credit report. I filed another dispute ( Confirmation # XXXX ) and they have refused to remove the information that they had already once deleted from my credit report.
Product: Checking or savings account

I went to my bank to cash in some bonds the bank teller put in the wrong date of the bond and the wrong iinterest rate, she paid me too much and Put me in a awful situation they took every dime I had in my account and charged me for the their mistake
Product: Debt collection

I had a XXXXXXXX XXXX  account about XXXX years ago and it still appears on my credit report. I never owed anything to XXXX when I left them for XXXX. Also the reporting exceeds the limit by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It is a scam ; I have never owned a XXXX XXXX shop card! 
I've voiced my displeasure! 
It states, I open the card? 
XXXX XX/XX/year> ( 1 year, 4 months ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against Bank of America regarding their improper allocation of my car loan payments, which has resulted in severe damage to my credit score. Despite repeated attempts to rectify the situation, the bank has failed to address the issue adequately. 

I have been a customer of Bank of America for XXXX years, and up until recently, I have had a positive experience with their services. However, over the past few months, I have encountered significant problems with the allocation of my car loan payments. 
XX/XX/XXXX = {$590.00} dollars and XX/XX/XXXX = {$600.00} dollars On multiple occasions, I have made payments toward my car loan through Bank of America 's online platform. I have still shots and video evidence documenting these transactions. Despite these payments being designated for my car loan, Bank of America has consistently applied them to my credit card accounts instead. 

This erroneous allocation of payments has had serious repercussions for my credit. As a result of Bank of America 's actions, my credit report shows missed payments and delinquencies on my car loan, negatively impacting my credit score and financial standing. 

I have made numerous attempts to resolve this issue by contacting Bank of America 's customer service department and visiting my local branch. However, despite assurances that the problem would be corrected, the improper allocation of payments continues unabated. 

I am deeply concerned about the long-term consequences of Bank of America 's negligence on my creditworthiness and financial stability. I have acted in good faith by making timely payments toward my car loan, and it is unacceptable that Bank of America has failed to fulfill its obligations to accurately process these payments. 

Therefore, I am requesting that the Financial Consumer Protection Bureau launch an investigation into this matter and take appropriate action against Bank of America for its violations of consumer protection laws. Additionally, I am seeking assistance in resolving the issue with my car loan payments and restoring my credit to its rightful state. 

I have video evidence documenting my payments for your review. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your attention to this matter. I trust that the Financial Consumer Protection Bureau will take prompt and decisive action to address this issue and protect the rights of consumers. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}
Product: Debt collection

this is the result of divorce settlement The original debtor has closed the account and the amount was written off. but sold to debt collection agency although the vehicle was repossessed as the monthly notes were not met by another party.this is nothing more than negative entry on my credit reporting. 

NCB MANAGEMENT SERVICE, XXXX  Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$7100.00} Status : Collection account {$7100.00}, past due as of XX/XX/XXXX. 
Status : updated XX/XX/XXXX They have and /or are continuing to violate my rights. I want this remove from my credit report.

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 cons
umer 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: Consumer Loan

I recently submitted a complaint against CIT complaint number XXXX and the company got back to me with a response that stated a deed of trust that was in question still stands and we owed a balance of XXXX. After conducting my own research I discovered that the deed of trust had a maturity date of XXXX XXXX, XXXX and under Nevada law, XXXX XXXX, the expiration date is ten years after the maturity date which would have been XXXX XXXX, XXXX. The company should have released this deed in XXXX and did not. Instead they are still stating the money is still owed.
Product: Payday loan, title loan, personal loan, or advance loan

For the past 3 months a technical issue has prohibited me from accessing my Klarna account via Mobile or the website. When I try and login to Klarna I receive the following error : 'To use Klarna you must login with your mobile number. ' I have tried using my email and get the same response. I have not changed my phone number and Klarna was working perfectly fine for well over a year before this issue. 

I have several loans that have missed payments due to unknown reasons. But, I can not log into my account to find out. Klarna is sending harassing letters telling me to login to my account and make a payment. If I have issues making a payment I am told to visit the Klarna support site which I can not also log in to. 

Klarna is now threating me with collections, account termination and has charged several late fees for an issue that is clearly on their end and not mine. Klarna touts that it fired it's support staff and now uses AI based support, but their systems can not even figure out a basic login loop.
Product: Checking or savings account

USAA took {$170.00} from my account for a package of beauty cream from some company in Florida that I do not know who it is nor did I order. They say that this company has communication with me and that the post office did deliver it. I have never received any package. USAA claims the package was delivered according to the company, yet there is no signature of mine indicating I received it.
Product: Credit reporting or other personal consumer reports

Something is not right. No accounts are reporting on my Experian credit report, and I have several revolving accounts in good standing. There are XXXX ( XXXX ) Social Security numbers and neither of them belong to me. I need to have my profile corrected. Per 15 U.S. Code 1681s2 ( A ) ( 1 ), I have made countless attempts to rectify this issue that is causing a strain on my life, my personal finances and my business. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. I am being denied by companies daily who use your data-furnishing platform. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to block inaccurate accounts on my consumer report, I attached the identity theft report along with the letter I gave received from Equifax stating they are NOT going to block any accounts instead will reach out to the company.
Product: Credit card or prepaid card

I received three separate letters from card support services on XX/XX/2022, advising me that my Macys, Home Depot and Sears accounts have been closed immediately and without warning or explanation. I pay my bills on time, and have been a loyal customer of Citibank, the apparent creditor involved, for over twenty years. 

They refuse to give an explanation over the phone. Letters have been sent remaking an explanation.
Product: Student loan

I have been struggling to pay my student loans. I am XXXX and the options that Nelnet is offering me just brings my balance higher every time they report to the credit buearus.
Product: Money transfer, virtual currency, or money service

I had a Chase business complete checking account with Chase that was closed last year. The account number was XXXX. I filed a claim to dispute an ACH payment that was made from that account. On XX/XX/2022 an ACH payment of {$35000.00} was made to XXXX XXXX XXXX to their Chase account number XXXX. The XXXX ID is XXXX. This company was a fraudulent company and has scammed me out of this and more money and never fulfilled the services at all for the {$35000.00}. I filed a fraud report with the FTC and California Attorney General and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH. I have lots of additional documentation of this company scamming me and others out of money. They have not responded to 20 plus attempts to communicate and rectify this situation, including XXXX  complaints and demand letters. This company has defrauded large amounts of individuals and the FTC and CA Attorney General are both aware and have stated that Chase could assist me in reversing this transaction. 
However, when i contacted Chase to open a claim I was told that they couldn't help me and to contact the merchant. Are you kidding me? Obviously I have already done this and they are not going to return it. The company 's account is with Chase Bank and Chase should be more than capable of taking this money back from their account with all the documentation I can show them. The FTC stated that they could do this but apparently they just want to turn a cold shoulder and allow their customers to be scammed and defrauded. Please do better for your clients Chase!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have disputed inaccuracies on my credit report with XXXX, Experian and XXXX as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, Experian and XXXX  all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX  is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated credit report.
Product: Mortgage

almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc. 
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer. 
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out several times to Equifax credit bureau letting them know that my information was impacted by there data breach. My information was impacted by that incident, equifax is reporting things on my credit report when my information was affected by the data breach.
Product: Student loan

ALL WELLS FARGO ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : WELLS FARGO XXXX
Product: Checking or savings account

I have contacted multiple people at HSBC to close the account yet it remains open. I feel that my account is being used against regulations to promote HSBC 's account rates
Product: Checking or savings account

I used the online banking system provided by my bank I havent had to inquire a rejection of payment using the online banking service When I contacted them by using the website/ mobile app they said that I had to contact there expertise of another team called XXXX XXXX XXXX that I have never received any information on until now XXXX press option 2 from XXXX Chase email servicing because will all transactions that are not processed they have to notify you of that be email or USPS mail if this transaction was an NSF my account would have been debited and an notification would have been sent and I received nothing but a late fee for this transaction not being processed by the bank
Product: Credit card or prepaid card

Have a credit card through TD Bank N.A. 
Previously had to do split payments due to not having enough in cash. I did the reward application of cash back I stockpiled to pay half the bill in the amounts of {$61.00}. I then paid the remaining amount of {$70.00} with money I deposited into my checking account on XX/XX/XXXX by around XXXX XXXX 
This total was then {$130.00} which is great than my minimum monthly payment of {$100.00}. 
However, I was charged a late fee even though my payment showed as posted and pending and am now receiving calls to make payments on it. I called the company and was told I'd be forgiven and given a pass on this late fee due to the system not noticing I paid in full through split payments on XX/XX/XXXX.
Product: Checking or savings account

I have been a long-time customer of Chase Bank .

Someone was able to access my bank account and information through a stolen phone and made over {$4000.00} in withdrawals, including making direct calls from my number with Chase regarding these withdrawals.

Chase should have recordings proving that the person was not me and they were not authorized by me. They continue to claim that it was same device and login, so are considering over {$3000.00} as " authorized ''. They are also referencing an incorrect date that the login was used, which is not possible given the timeline of events. Double withdrawals were also made, and incorrect changes were made back on my account. ( Fraudulent withdrawals were made on XX/XX/23, but Chase claims XX/XX/23 ). 

I have provided multiple documents to them, and they have not done anything to return my money to my account, including : 1. Police Reports ( both XXXX and XXXX  ) 2. Phone records from XXXX XXXX XXXX showing calls made with Chase NOT made by me 3. Screenshots of XXXX XXXX withdrawals done with my Chase account 4. Screenshots showing I reported the IMEI number as stolen to XXXX XXXX XXXX ( which they requested ) 5. Explanations of their errors in processing the withdrawals I have provided all documents they requested, and they keep saying " you can provide more documents '', but won't say what else I can provide. I have been cooperative, reported every fraudulent charge same-day as soon as I was able to, spoke with several claims dept. agents, and more. They also send they would provide the reasoning for considering it " authorized '', but have still not provided it.

If I have done everything they ask to reverse the unauthorized charges, I don't know what else I can do. They need to be more clear in what I can provide, or actually utilize what they ask me to provide to them.

This is an entire month 's salary that has been withdrawn, and all factors indicate these withdrawals are not normal behavior for my account and should have been protected.
Product: Debt collection

F AY SERVICING, XXXX XXXX XXXX and their attorneys ( XXXX XXXX XXXX ) are attempting to fraudulently foreclose on my property without original promissory note although the alleged mortgage debt is beyond New York State six- year statute of limitations further the law ( UCC 3-804 ) states in order for a party to sue they must prove ownership. Which was the primary reason this case was dismissed previously, which means they must be able to provide the original contract / note. 
However they provide a document / combined note which again must be supported by the original contract therefore is a nullity used for the basis of their fraud.