23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

have had items deleted from my report only to have them reappear by the companies reselling my information to another collection company this has gravely affected my abilities to obtain new credit and is also seen as identity theft as the companies are sharing personal information by means of selling it request and demand for any negative items reporting to immediately be deleted including credit inquiries on all XXXX major reporting companies
Product: Debt collection

Southwest Credit Systems ( SWC Group ) was notified on XX/XX/2020 that this account was a result of ID Theft. I sent in a dispute through XXXX  on said date along with a copy of the original police report verifying I was I victim of ID theft and that my drivers license and ssn had been compromised. Southwest however verified the account as truly belonging to me and marked it a consumer disputes this information instead of deleting the fraudulent information on XX/XX/2020. Southwest Credit systems did this even after having knowledge of this account being fraudulent and having being informed of this by XXXX  ( in lieu of dispute ) and myself. I have attached a copy of the police report verifying I am a ID theft victim.
Product: Debt collection

Convergent Outsourcing is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a XXXX XXXX Account that is not mine. Collection notices are coming to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a company using their websaite and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Product: Credit card

I opened a quick sliver Capitol one card and the one that was on their website said no annual fee so I applied for the Quick silver and For someone reason the website gave me the Quick silver one witch has an annual fee they are look the same color and brand so I called them to ask them to wave the annual fee they wont do that and they dont swap the card out for another card that has no annual fee. So customer service said to apply for a different card and My credit score is XXXX and they keep denying me. So now I have a capitol one card that has an annual fee that I did not know it had one tell after I applied and the bank wont swap it out or wave it for a year.
Product: Credit reporting or other personal consumer reports

I tried to reimport my credit report but the FICO Score on Experian doesn't show.
Product: Checking or savings account

Capital One isn't honoring a Money Market 360 promotion as it was advertised. Per the terms, I deposited at least {$50000.00} within the stipulated timeframe, but they refuse to deposit the promotion money citing a rule that isn't written anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL UNAUTHORIZED INQUIRIES.
Product: Checking or savings account

Hello! So I logged into my Venmo account off of my fiances phone to send a friend money, and my account was immediately suspended due to suspicious activity. ALL my money is in this account. They sent an email saying to send an ID to verify its me, and I did that. My account has been open for years and I verified my identity when I opened it. I've emailed every executive for venmo and PayPal that I could find, and I reached out to them on XXXX and XXXX. I have to pay my power bill today or it'll be shut off, and I have a XXXX XXXX XXXX that needs things. All my money is in this account and they're saying it could take 7+ days. I can't sit with my son that long without power .... and I have no one in my life that helps me with anything so I'm freaking out big time. Pleaseeeee help me!!! 
My name is XXXX XXXX, and my account name on venmo is XXXX. that's also my email address. Please let me know what to do and I can send you anything you may need to verify my information. Thank you so much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account number -To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX  Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX  XXXX XXXX  Amount : {$6200.00} Account Name : XXXX  Amount : {$900.00} Account Name : XXXX XXXX  Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX XXXX XXXX  Account : {$1400.00} Account Name : XXXX XXXX XXXX  Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my XXXX  credit report that I had an account with West Creek Financial but I never opened one. After submitting a dispute through XXXX, I informed West Creek Financial about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my XXXX  credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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: Payday loan, title loan, personal loan, or advance loan

Net Credit is harassing me daily, theyre adjusting payments. Theyre a predatory loan shark.
Product: Mortgage

I have been paid ahead and never late on my payments on my mortgage, yet every month I receive a letter stating I am 2 months behind and a penalty is applied. 

My mortgage payment started XX/XX/XXXX and below is a list of all the payments made since then. 


I have made total payments on my mortgage since XX/XX/XXXX of {$9700.00} in 6 months. My monthly mortgage payment is {$1200.00}. 

Total payments : XXXX was paid in full on XX/XX/XXXX with a {$1300.00} payment Payment of {$630.00} was paid from my XXXX XXXX XXXX  account plus {$650.00} on XX/XX/XXXX and {$650.00} on XX/XX/XXXX from XXXX XXXX  to pay the XXXX XXXX. Then on XX/XX/XXXX another {$1300.00} was paid all for the XX/XX/XXXX bill to make sure when I signed up for semi-monthly payments there would be no issues. 
In XXXX, XXXX payments on XX/XX/XXXX and XX/XX/XXXX of {$650.00} each were paid towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XX/XX/XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made XXXX and XX/XX/XXXX towards the XXXX bill. 
A payment of {$650.00} is scheduled to be made on which will apply towards the XXXX bill. 

Every month a new letter or statement comes in that states I am 2 months behind and a penalty of {$41.00} is applied. 
I have called JP Morgan several times and have been told that this would be straightened out. By applying late penalties to my mortgage they are destroying my good credit because this gets reported to the 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Personal Information Also Known as : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Charge off : XXXX XXXX XXXX XXXX Balance : {$330.00} Collection : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2900.00} U S DEPT OF EDXXXX XXXX Balance : {$5000.00} New Inquiry : XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting

I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.
Product: Credit card or prepaid card

I have had my account with Discount Tire # XXXX and Care Credit # XXXX for many years now. I have always paid them on time every month. Synchrony bank issues these credit cards. They issued them with a {$1000.00} credit limit. They have recently decreased my credit limit on both cards to {$500.00}. I do not understand this. I have had both cards with balances up to the {$1000.00} limit and paid them both down. The Care Credit is almost paid off completely but they still decreased my credit limit. I feel this is not right and I was not notified. If I make my payments on time and use the card regularly, this should not be happening. I believe I am being treated unfairly due to facts I am not aware of nor knew about when I signed up for the cards.
Product: Credit card

I called Bank of America to let them know that my payment for {$1000.00} made on XX/XX/year> did not post to my credit card in which I was an authorized user ending in XXXX. When speaking to the representative I said that I transferred from my personal Bank of America checking using their bill pay. I have a paper trail and provide a confirmation number. She said she could see the payment it is missing they need to research it. Since then they have completely messed everything up. They transferred the payment to a personal credit card I have. 
Now my credit card that I am authorized user is stating I am in default it is going to affect my credit. Plus they also removed another payment I made in XX/XX/XXXX for XXXX and applied it who knows where. I have been dealing with this for weeks spoken to multiple supervisors stating the issue will be resolved. Every time I speak to a supervisor the issue has gotten worse. 

It was very simple pull the calls they are recorded listen to them. All I said was my payment didnt post to my credit card ending in XXXX for XXXX now this has snowballed into a bigger issue. At this point I want to speak to a lawyer because it is affecting my credit and it hasnt been resolved. I had a supervisor call and state the account has been corrected and provided a balance of {$6500.00} again I said the XXXX payment was missing. He than proceeds to review the account and seems confused. 

The worse part someone from complaints called earlier in the day and said they need to escalate because it hasnt been resolved. Once the payment is posted my balance should be roughly around XXXX. So when I told XXXX he seemed confused and said they should handle it. But clearly you said it was already resolved had I not questioned him again I would still be missing a payment of XXXX. I want to pay this card off and no longer have anything to do with them. I have been a loyal customer for years XXXX XXXX XXXX XXXX XXXX XXXX but I know many people have complaints.
Product: Mortgage

I have a mortage with Chase Loan # XXXX. My wife has been XXXX for greater than 10 years, I closed XXXX XX/XX/XXXX as a consequence of the financial crisis during the preceding years. On several occasions, I have had to withdraw funds from my 401K to cover expenses including my mortage. Chase turned me down for assistance 2 times. XX/XX/XXXX I sought the assistance of an attorney ( XXXX XXXX XXXX ) to assist with the difficulties in gaining mortage assistance form Chase and they turned me down agian. I am cChase and other mortage lenders accepted bailout money during the national financial crisis -- -however ChaSE they selectively applied assistance and used funding to increase their profits. I wish to file a complaint against them. 

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

THIS IS NOT BA DUPLICATE COMPLAINT -- ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce. 
So not only was an affidavit never returned to me but ON XX/XX/XXXX the company responded ( ( Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ) ) As you can see Equifax again, totally failed to respond directly to the complaint. I as the consumer fully understand that a furnisher of information can be MORE THAN ONE entity - so although there may be other reporters- Equifax is ALSO a reporter. Unless Equifax can validate that the information they are reporting is true ; they too are at fault for violating my consumer rights. They also stated that results were mailed to me.I am requesting proof of mailing. I have not received at any point any information regarding my complaint. This is considered falsification and this too is against my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries from my credit report. I am a victim of a data breach, and my personal information has been used fraudulently. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately.

Fraudulent Inquiries to Block and Delete : XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector : C B Merchant Services. Tel XXXX Address : C B Merchant Services, XXXX XXXX XXXX, XXXX, CA XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX  Account # XXXX Amount {$200.00} I had XXXX in XXXX, my deductible amount was paid and settled with the doctor 's office XXXX. XXXX XXXXXXXX XXXX XXXX has then retired and closed the office.
Product: Mortgage

Recently, Gregory Funding had increased my Mortgage payments almost by a 100 %. I underwent XXXX XXXX in XX/XX/2022 and had a major setback in my health particularly my mental health. I had to relearn many thinks including speech. I am the sole person that handles my family affairs and this setback caused a major financial hardship for me. To make matters worse, Gregory Funding has doubled my mortgage payments to over {$1300.00} from $ XXXX monthly. The increase in mortgage is partly due to an error in my escrow account. Gregory Funding had allowed two insurance companies to bill me for home insurance. I have send a notice of error letter to demand and investigation to review this matter. I haven't heard from them even after bringing it to their attention months ago. Currently, I receive military XXXX and Social Security and is on limited funds. Have a just recently missed a few payments and Gregory Funding is quick to submit my mortgage for Foreclosure without offering or giving me the opportunity for Loss mitigation. My Balance is around {$80000.00} on a {$660000.00} value home. They seem very eager to take an advantage of me and foreclose my home during my time of hardship. The servicer has not informed me in writing about loss mitigation options that might be available. They are adamant about moving forward with foreclosure. You help in this matter will be appreciated.
Product: Student loan

The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the Dept. of Education validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You
Product: Credit card

On XX/XX/year>, I took out a cash advance. On XX/XX/year>, I contacted customer service to pay off the cash advance in full, but they refused to allow it. They informed me that to avoid interest charges, I would have to pay the entire statement balance, not just the cash advance. However, my purchases are subject to a XXXX-interest promotional period, meaning I am not required to pay them off until next year. This policy unfairly forces consumers to pay off balances that arent accruing interest before addressing high-interest charges, ultimately benefiting the credit company at the consumers expense.
Product: Debt collection

In XXXX of XXXX I started contacting companies that I could help me consolidate my student loans. I contacted Student Loan Advocates and they initially advised me that I do not qualify for assistance because I do not have a XXXX XXXX or a high enough balance. I was contacted with repetitive phone calls for a couple days telling me they would be able to help me with consolidation. I spoke to a representative named XXXX and he stated he could help me with the initial on line application, he answered all the questions and stated that my balance would decrease to less than XXXX a month and for a shorter period of time. A couple days later I received an email from XXXX XXXX with an application for me to complete and fax back. In the process of filing out the application a question asked if I work for a nonprofit organization, the answer is no and the next step told me that I do not qualify for assistance. I sent an email back to XXXX advising that I will not be able to complete the application due to my company not being a non profit. I started receiving emails and text messages advising that I need to still sign the application and fax it back. On Friday X/X/2017 I received a text message stating that a charge of XXXX will be taken from my account. I contacted both XXXX and XXXX and advised that I did not agree to a payment since I did not qualify for their services. On Monday XXXX a XXXX charge was taken from my XXXX XXXX Credit card, I called and asked why they are deducting money when I was not approved and was advised that even though I was not approved the charge was the first from a XXXX application fee. On XXXX I went to pay my student loan with XXXX and found that my user name, my password, and my email that is associated with my account was changed. I was not able to contact XXXX until Monday XXXX, I advised of them of the problems and they were concerned that someone has accessed my account and changed my user information. I provided the information of my original user name and password and the one it was changed to right before this one and the rep was able to help me correct my information and put a password on my account. She advised me that it is against the law to access my account and to contact CFPB and FTC to file a complaint.
Product: Credit card

I was unknowingly charged a {$14.00} cash advanced fee on a credit card charge. I would have never made this charge if i knew it would be logged by my bank as a cash advance.