23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original purchase amount in XX/XX/XXXX was {$XXXX}. 
Car was repossessed in XXXX of XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.
Product: Mortgage

LENDER : COUNTRYWIDE HOME Loans, inc XX/XX/2003 WE WERE PROMISED {$10000.00} FIRST TIME BUYER 'S ASSISTANCE INSTAED WE GOT {$10000.00} IN SECOND MORTGAGE Type of loan FHA It was our first home mortgage my wife and I. I were supposed to be given first time buyer 's home assistance down payment, but instead we were given a loan with ballon payment for the amount of {$10000.00}. We were assured that the we will not have to pay this amount as long as the property is under our names.
Product: Money transfer, virtual currency, or money service

I recently received an email from Venmo explaining that my account has been suspended. This suspension was done erroneously. I live in the United States and was recently traveling on vacation on a cruise ship. When I went to access my account while I was traveling internationally, I received a message from Venmo saying my account was suspended due to suspicious activity. However, there was no suspicious activity on my account ; I was the person accessing my own account ; and, I was doing so internationally only because I was temporarily traveling on vacation. That was me. I already replied to Venmo 's account suspension email and uploaded my US-government issued driver 's license, which is the additional information that their company requested. Despite this, the company still has not reinstated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX refuses to validate a XXXX XXXX that is not mine on m credit report Transunion and XXXX repeated that the information came from the court but i ave yet to see proof In writting that it did. They are breaking the law.
Product: Checking or savings account

I FINALLY WAS ABLE TO LOG INTO ONLINE ACCOUNT AFTER I WAS DENIED BOTH ACCESS ONLINE AND BY PHONE WHEN I FIRST OPENED ACCOUNT. THE LAST TIME I SUCCESSFULLY LOG IN WAS XX/XX/XXXX. I HAVE NOT MADE ANY ATTEMPT TO LOG IN OR EVEN CALL SINCE AND NOW ALL OF A SUDDEN I GET THIS EMAIL STATING MY ACCOUNT IS SUSPENDED DUE TO MULTIPLE FAILED ATTEMPTS. I DO NOT KNOW WHAT IS GOING ON WITH THIS INSTITUTION BUT I AM TIRED OF THIS FOOLISHNESS AND FEEL I SHOULD NOT HAVE TO LOG IN ANYWAY! WHY CAN'T I JUST CALL LIKE I DO WITH MY XXXX PERSONAL ACCOUNT OR LIKE WITH XXXX XXXX. THIS TACTIC OF FORCING SOMEONE TO REGISTER FOR THIS VIOLATING ONLINE ACCOUNT WHEN OBVIOUSLY THERE ARE BREECHES INVOLVED IS BOTH XXXX AND DISCRIMINATORY AGAINST THE ELDERLY AND/OR POOR WITH LIMITED ABILITY TO WORK COMPUTERS OR ACCESS TO EVEN INTERNET SERVICE! I SIMPLY WANT TO JUST CALL TO CHECK MY ACCOUNT AND FEEL I AM DENIED ACCESS TO MY OWN ACCOUNT BECAUSE THESE BEINGS KEEP SUSPENDING BOTH ONLINE AND BY PHONE ACCESS!
Product: Credit card

On XX/XX/2023 my home title company mailed a check for {$450.00} to XXXX XXXX XXXX to pay off my credit card. The check was mailed via postal service and was sent to the correct XXXX XXXX XXXX and had my name and account number on an attached piece of paper. Somehow, the check ended up in a Wells Fargo office. Wells Fargo cashed the check and deposited it into another account and now they refuse to assist me with getting my money back. I have never had a Wells Fargo account and the check was not made out to them. It was made out to XXXX. They refuse to help me and continue to hold my money. They keep telling me it's not their issue.
Product: Money transfer, virtual currency, or money service

Paypal said they were reviewing me it would take 24 hrs ok then finally released my irs XXXX dol stimulas money then I tried putting it on my cars and it got denied now they said I was being reviewed again it's been days and still got my money in hold I've sent them my drivers license government documents proof of a address and still haven't gotten it I'm gon na be homeless no food my dogs are starving please help me!!!
Product: Credit card or prepaid card

this is amexgiftcard, The amount is {$860.00} The gift card was used normally before, but it was locked directly after the merchant refunded and can no longer be used. 

card number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation. The account is XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, a payment to my phone bill that I did not authorize came out of my Huntington account. The money was not in this account so my account was overdrafts. The payment was attempted two other times, which I also did not authorize, and three overdraft fees have been assessed, one of which I got returned. The total amount I am out so far is {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a 3 interview with XXXXXXXX XXXX  for job opportunity, the call first round and second round and 3rd and got hired was sent a offer letter and passed drug test and created employee portal did everything that they asked me to do and when the background check went through I was contacted by HR of XXXXXXXX XXXX about XXXX basing that I did 90 days in XXXX XXXX XXXX  and I was told to explain bed which I did, and also as asked I submitted proper paperwork from the state of New Jersey XXXX XXXX clearing what XXXX XXXX HR asked about as she repeatedly kept axing me about why am I on XXXX XXXX XXXX, which I explain to her the situation in XXXX with the mother of my child and I explained as she said we dont go back that far so why ask me and I still submitted court records documents XXXX XXXX XXXX XXXX, which was my final XXXX report to XXXXXXXX XXXX HR also justifying showing her as she asked about the XXXX  with the mother of my child it was a XXXX XXXX XXXX XXXX XXXX XXXX, I was given a start date for XX/XX/XXXX and today XX/XX/XXXX XXXXXXXX XXXX  HR sent a letter they cant hire me and the consumers cant explain violating my rights and discriminatory acts showing this is discrimination act and unfairness towards me cause of me being on XXXX from a event in XXXX and I would like for hireRight consumer support to collect the proper paperwork that I sent in and correct what they have done and explained the matter as XXXXXXXX XXXX  XXXX said this consumer can not explain why Im not getting hired. Therefore, Ill be filing a discriminatory act lawsuit against XXXXXXXX XXXX XXXXXXXX.
Product: Credit card

The statements are intentionally confusing and do not detail differences in payments due for purchases vs. balance transfers. They then charges interest on the purchases since the min payment ( not clear ) on the 0 % balance was not met. This is intentially misleading.
Product: Consumer Loan

We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were two companies that hit my credit XXXX 10 days apart. XXXX and Wells Fargo XXXX hit my credit on XXXX XXXX and again on XXXX XXXX. How do I get the second hit removed on each one?
Product: Credit reporting or other personal consumer reports

Hello, Trans Union, XXXX, and XXXX keeps reporting me owing a total balance of ( {$25000.00} )... 
However, my total balance owed is only ( {$12000.00} )... 

I am requesting to have that debt removed from ALL ( 3 ) credit bureaus on grounds of reporting inaccurate account balance information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the require document and a letter from an advocacy group assisting me due to Human Trafficking 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX XXXX a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX, Acct Number, XXXX, XXXX. {$5100.00}
Product: Student loan

Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue. 
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.
Product: Credit reporting or other personal consumer reports

I previously sent in a complaint for UCB Collections. UCB has FAILED to notify me of any results of their investigation and is falsely reporting to my credit reports once again. I have not received a signature or agreement that I OWE UCB COLLECTIONS directly!! They have placed the account in closed status and that the consumer disagreed and that I OWE them {$620.00} but was never provided proof of this and why/how did this company get my personal information!?. If this is not handled IMMEDIATELY, my lawyer will be filing a lawsuit immediately for violations!!
Product: Debt collection

At approximately  XXXX   XXXX  on  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  contacted my cell phone and left a detailed message stating that they are legal notification and they would contact my supervisor.   " This is legal notification intended for  XXXX   XXXX . I 'm contacting you today in reference to your case through  XXXX   XXXX   XXXX . I 'd like to make you aware once your case is filed through the court it will become a matter of public record and there will be an order issued to have you located. Unfortunately, I was n't able to reach you by phone today and I have been instructed to contact your direct supervisor or human resource manager at your place of employment. you do have the right to contact the filing party prior to any further legal proceedings however once you 're located all legal rights to your case will be forfeited. That number to contact prior to your location is  XXXX  refer to file number  XXXX .  XXXX   XXXX , you have been legally notified. '' This message was left on my phone and also my mothers phone and my childrens phones as well.     I contacted the number and was ridiculed by staff member. They refused to remove the other phone numbers. Laughed at me for taking a payday loan. Proceeded to ask me ... just how old are you?   I indicated that I could start a payment in  XXXX    ( 30 days ) and was told that was too long.
I requested a letter be sent to my home but they would n't do that either.
Product: Mortgage

I am contacting the CFPB for urgent help in dealing with my mortgage company, SPS. I have been attempting to get a loan modification since I was current in XXXX of XXXX when I knew I wouldnt have the money to make my payment. Because I was current, I was denied ... I fell behind from there not being able to work due to being self employed and out for proven medical issues and XXXX. I was denied every few months from XXXX through as recently as XXXX XXXX. All stating I do not make enough money or I make too little money. I went online and completed an XXXX from XXXX and it came back may be eligible. I resubmitted a complete modification on XXXX/XXXX/XXXX and I was told this was not received. I refaxed and emailed the submission XXXX which my documents did not start getting uploaded until XXXX and I was then told today because there was not 10 days before the sale, they can not help me and I will lose my home.
Product: Mortgage

Mortgage Servicer : XXXX XXXX ( Mid First Bank ) My home flooded in Hurricane Harvey and took 14 months to rebuild. Previous mortgage servicer ( XXXX ) had me in a short sale program, even though the property was completely destroyed and being rebuilt at the time. At conclusion of their marketing requirement, my mortgage was sold to XXXX XXXX. For the last 5 months, XXXX has had me following the short sale procedures. Now that I have an offer for full market value, they are telling me that I do not qualify for a short sale because my credit score is too high and have to apply for mortgage assistance first. They are now foreclosing on me even though I have an offer, since it is an FHA-insured loan and the FHA will make them whole regardless. I've spoken with a HUD counselor and my attorney -- it appears XXXX is just trying to get the FHA to pay.
Product: Debt collection

ARS ACCOUNT RESOLUTION at XXXX XXXX XXXX has been sending me collection notices in the amount of {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I'm rewriting to complaint to CBNA about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/1969. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with XXXX XXXX XXXX Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Mortgage

Back in XXXX I was supposed to be on deferment plan but ended up with forbearance plane.
Product: Debt collection

Reached out to company and tried to get information about this account as well as a validation letter company had none of my information correct wasnt trying to help me file a fraud claim wanted me to give them my address an attempt to collect a debt asked for XXXX. A copy of the original contract bearing my signature that I actually sign on for this debt XXXX. I want a payment history from the original creditor that shows my payment of whatever i did with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX XXXX. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

Portfolio recovery associate is suing me for a debt of XXXX I never had a credit limit over XXXX $ on this account an was paid I don't understand why I am being sued over this. I had less then 30 days from when I was served to a court day.
Product: Vehicle loan or lease

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2022 and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account because its in litigation and inaccurate. I have disputed this error with the three major credit bureaus ( Experian, XXXX, and XXXX  ) for over a year now. XXXX  and XXXX  both were in agreement that indeed the reported account was invalid and unverifiable and therefore has removed item from my credit report. However Experian continues to report and verify this debt is being valid and correct. I have now received restitution from the company following XXXX XXXX  lawsuit and Experian still fails to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is a Demand to Comply Request. I have sent CERTIFIED letters to the XXXX ( received XX/XX/2021 ), Equifax ( received XX/XX/2021 ), and XXXX  ( received XX/XX/2021 ) about accounts on my credit over XXXX plus days ago and have not recieved any information. 

I have attached screenshots of the tracking numbers and dates when the mail was received through the XXXX ... Please remove the accounts that could not be verfied by law, or face a law suit for XXXX each account that you are reports as this information inaccurate and not true. 

Please don't send any general statement about we are looking into it and file a dispute with us as you have my drivers license, social, birth date and address in the letters I previous sent.
Product: Mortgage

I received a notice from Mortgage company American Pacific Mortgage stating I did not have any hazard insurance on my property. My hazard insurance has been current since loan was opened on XXXX and is good through XXXX. It is paid in full and is part of my escrow payment. When I called in on XXXX the representative I spoke with just said " we will take care of it '' and didn't ask for any details, not even the insurance company I am with ( which they have right in their records ). They are taking out an insurance policy for my house with a premium of {$33000.00}. My mortgage is XXXX and my insurance is less than {$700.00} per year. They are purposely trying to gain money from me and wreck my perfect credit. I was then transferred to the insurance department and she said the address on my insurance doesnt match the home address. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which are the EXACT same address. Refused to fix the issue.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted disputes to Equifax and XXXX regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX Personal Loan - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$7000.00} - FRAUD
Product: Debt collection

I am writing to formally dispute the validity of the collection account referenced above, which appears on my credit report and pertains to an alleged rental debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting verification of this debt, including a detailed breakdown of the charges and proof that I am legally responsible for this balance.
Product: Credit card or prepaid card

I have written to XXXX three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Product: Checking or savings account

In  XXXX   2017   , I applied online for a   XXXX    position in  XXXX   XXXX , TX. I was interviewed by phone and was hired to   XXXX   XXXX   XXXX   XXXX  . The owner,  XXXX , stated he needed the   XXXX   XXXX   prior to his arrival so he would be mailing me a check for my 1st week of payment. On  XXXX   XXXX     2017,  I received a check for {$2400.00}. I called the owner and he explained that {$400.00} was my advance, {$50.00} was for   XXXX  supplies,  and the remaining {$2000.00} was for the realtor as the key would not be released until payment was received. I was given the realtor 's bank account information and told to deposit after I withdrew my portion. On  XXXX   XXXX , I walked in to  Navy Federal  and spoke with  XXXX     (  teller ) and explained to her that I was afraid the check  may b e fraudulent.  XXXX  stated to me that she would go ahead a place a hold on the check to ensure that it cleared. She advised to check my account in  2  business days, if the funds were available then the check was legitimate and had cleared. To my surprise the funds were available on  XXXX   XXXX , so I went in and withdrew the funds. The same day I went into the realtor 's bank  (   XXXX   XXXX   XXXX   ) a nd deposited {$2000.00} in cash to account number  XXXX   XXXX   XXXX . On  XXXX   XXXX , I noticed my  Navy Federal CU acc ount was negative {$2400.00}. I called in to the contact center and was told that the check came back as fraudulent. I immediately filed a police report with the  XXXX   XXXX  Police Department  (  case #  XXXX   ).  I have provided  Navy Federal CU  with all the documents they have requested including a copy of the police report, however, the issue has not been resolved. If  Navy Federal CU  had not allowed the funds to be released, I would not have proceeded any further and we would not be in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but XXXX pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company XXXX did a hard inquiry with no authorization.