23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed up with XXXX in the XXXX  of 2023 - I was promised specific monthly rates and 'free ' phones. After several months, I inquired about the promised monthly rates and was told ( after a wild goose chase ) that there was nothing they could do. I asked if I was under contract and I was told that I was not, that I was free to move to another carrier. I moved to another carrier. Instead of the ~ {$100.00} bill to close out the final weeks of the account, I received a bill for ~ {$2600.00}. I spend months calling and negotiating with XXXX. They told me to return the phones and then they will remove those charges from the bill ( ~ {$2000.00} ), during this process I had also gotten {$400.00} ( of {$600.00} ) of the phone-trade-in revocation fees waived. I returned the phones and verified that XXXX received them. I paid the remaining bill ( minus the value of the phones ). I continued to contact XXXX to get them to correct the billing. They ultimately refused and turned me over to collections. 

I was lied to about the monthly rates when I signed up. 
I was lied to about the contractual obligations when I asked. 
I was lied to about being credited for the phones after returning them. 

I had to cancel my credit card to prevent them from stealing the money they still say I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. 
today I checked my credit there are many inquiries that I did not authorize, I did not signed for. 
XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My father 's Bank of America debit card was used in a XXXX XXXX XXXX while he was in a XXXX We have filed at least XXXX complaints about {$37000.00} in charges from his bank account with Bank of America. We have provided a letter from the hospital naming the person who used the card, provide notarized copies of his signature and the bank keeps telling us that these were authorized charges on his debit card made by him. We have been fighting this battle with Bank of America since XXXX XXXX, 2015, when my father passed away in XXXX XXXX. They also paid alimony payments from his bank account after I froze his account on XXXX XXXX, 2015. I have done everything within my power to try to retrieve these funds that were gotten nothing but letters stating that these were signed by my father. I feel that it is unfair that a large bank can get away with stealing over {$37000.00} from a deceased person 's bank account.
Product: Mortgage

My mortgage was with XXXX XXXX for about 13 years, then they sold it to Rushmore Mortgage Company. Rushmore falsely claims in a statement of theirs that I did not pay my mortgage XXXX XXXX XXXX and XXXX of 2021 and I did so. XXXX XXXX had my mortgage at that time, Rushmore did not receive my mortgage account until XX/XX/XXXX of this year. They reported this to the credit bureau people and now I have a bad credit score. I was just ready to refinance in XXXX and now I can't because of this.
Product: Debt collection

Upon retrieving my credit report XXXX XXXX. I noticed the fraudulent account. Immediately I reached out to the company as well as the Credit bureaus to get to the bottom of this matter. Upon investigating I realized I became a victim of identity theft. Some crook obtained my information and acquired goods fraudulently in my name in another state/city that I've never lived nor visited. The collection agency was extremely distasteful and unapproachable in the matter and Absurdly demanded immediate payment. I did not acquire this account it was obtained under false and fraudulent intent. I notified the FTC as well as my local police department of this incident.
Product: Checking or savings account

My Chime account information was compromised and my card information was stolen and used without my permission. Exactly {$450.00} was stolen from my Chime account. 

I filed a dispute on XX/XX/23, and Chime denied my dispute not even 48 hours later. I then filed a rebuttal, and Chime denied my rebuttal not even 48 hours later. 

Under regulation E, I am entitled to my money back. Yet this financial institution, is denying me my money back even though my money was fraudulently used. Chime knows my account information has been compromised from previous disputes, yet they are denying that my information was compromised and my card was used fraudulently. How does that make any sense? 

Theyre investigating process is not very good at all, and they did not even look into my issue for more than 38 hours. They issued me a new card, but did not issue me my money back. How does that make any sense? 

I am now out over {$400.00} due to theft and my account being compromised, and Chime is if no use even though under Regulation E which is what my case falls under : They have to give me my money back. 

How can a company blatantly break Regulation E?
Product: Prepaid card

I have a pre-paid Rush card. I have had no access to my account for 12 days. The company said they updated their system and something went wrong. Customer service does n't help. A technical glitch is what their calling it.
Product: Mortgage

I purchased a home on XX/XX/XXXX and had XXXX water breaks between XXXX to XXXX. And my insurance company XXXX XXXX did not renew my policy
Product: Credit reporting or other personal consumer reports

I was shocked to discover this morning that there are incorrect accounts on my credit report, and I can't figure out how they got there. I check my credit report regularly, and this time, there were unexpected errors. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts stayed on the report. Im asking for the documents Ive submitted to be carefully reviewed so I can put this issue behind me once and for all.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXXXXXX XXXX XXXX  ( Account # : ... XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Debt collection

I have XXXX in credit card debt to synchrony bank. I am working with a debt settlement company called XXXX XXXX XXXX, and i am paying them to pay back synchrony bank. I had a transfer to my XXXX account from my bank account for {$1500.00}. Synchrony bank immediately took the money from my XXXX account and put it towards the debt, which i did not authorize them to do. I called synchrony bank on XX/XX/XXXX and explained the situation to them and they said they would send me a check in the mail for the XXXX. The check never came and it is now the XXXX. I called them again and they told me no one put in a request to have the money sent back to me, and they said they would get it done this time. I do not believe they are going to send me this check they are promising me and i need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment.

2. ) I received ZERO notification from Navient during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail.

3. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized charge to my credit card was made by  XXXX  and granted by Bank of America without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with Bank of America via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
Product: Student loan

I am trying to get forgiveness my loans are well over XXXX XXXX XXXX. I filed bankruptcy because the balances were so high and was told to consolidate and apply for XXXX which I did before XXXX. Payment amount was still more than I could afford than and even more now.. I spoke to the new servicer in XXXX and was told I would be able to make monthly payment of around $ XXXX and would received information in the mail regarding this. For past few months I have tried to log on the site and was unable to due system changes/upgrades. On Friday of last week I received a email stating that my loans would resume and the monthly payment amount would be $ XXXX. Of course I can not afford that amount. The following day ( Saturday ) I received 2 additional emails stating that I was past due and that payments of two different amounts was past due as of XX/XX/XXXX. Monday morning first thing I called and received a recording that the wait times were extremely long ( XXXX XXXX XXXX ). I left information for a callback 2 days later I received a callback but was quickly disconnect. So I called again and same message wait time ( XXXX + hours ) Left information for a callback and as of today have not received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Equifax ( see attached letter ) a letter requesting that the security freeze on my account be lifted for the period XX/XX/2019 through XX/XX/2019. I received a letter from Equifax, in response, dated XX/XX/2019 indicating : This letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. 

Despite my clear instructions to lift the security freeze for the period XX/XX/XXXX-XX/XX/2019, Equifax incorrectly processed my request by " permanently removing my security freeze. '' Further, I have been unable to access my Equifax online account for at least a year now ( see attached screenshot ). Each time that I attempt to login the following message is displayed on screen : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and XXXX ( ET ), 7 days a week. 

Each time that I have contacted Equifax at the number I've been told that they are working to resolve the issue. The last time I called they told me they were " unable to verify my identity. '' Ive been told that Equifax has been having technical difficulties and that this issue would be fixed but yet it never gets fixed. 

As a result, the last written correspondence with Equifax ( which included copies of my DL, utility bills, etc ... to " verify '' my identity ) included a request to have the login information corrected. To this date, no action has been taken to correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent written correspondence to Transunion regarding address information on my credit report that does not belong to me and in fact is being placed therein by the association to my ex-wife. TransUnion stated in their response here on a complaint I filed with the CFPB that this information was corrected. As of XX/XX/2019 over 4 MONTHS LATER the information remains on my credit report. 

These credit reporting agencies have too much power and hurt the average person who does not have the smarts to keep an eye on them. This results in the consumer paying higher interest rates due to misinformation being reported by the agencies. 

I am sending correspondences to my congressmen and senators to ask for more oversight on these agencies and more law enforcement rules and regulations. These agencies can place information on a persons credit report in minutes but take 30 to 60 days to remove something. This is wrong and hurts the person they do this too.
Product: Mortgage

See notes I have filed complaints previously. Chase bank harmed my life. I am a XXXX first responder with the XXXX XXXX Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to equifax, XXXX, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX  said that they refused toblock my fraudulent items or dispute them. Equifax wont even answer or respond. and equifax must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX deleted XXXX XXXX and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports
Product: Checking or savings account

On XX/XX/21 I made two XXXX  XXXX  payments to two DIFFERENT people, two DIFFERENT names, same amount ( {$100.00} ). On XX/XX/21 I noticed one of the transactions was dropped, and {$100.00} added back to the account. I IMMEDIATELY called Bank of America. They insisted XXXX XXXX had done this. Contacted XXXX XXXX they stated they had not. Called B of A EVERDAY. contacted XXXX XXXX EVERYDAY, finally placing a so payment on XX/XX/21. Suddenly BofA PAYS, sending me an email ( same day ) saying it takes 3 days for stop payment. Adding insult to injury. BofA now says ( XX/XX/21 ), " oh yeah, it WAS us that canceled the payment because it LOOKED like a duplicate. Sorry if you were given the incorrect information ''. Did I mention the transactions had two DIFFERENT names??? Why wasn't I contacted, asked, prior to then deciding what was going on with MY monies. Now I'm in arrears. They kept insisting it was a XXXX XXXX problem, when it was a BofA problem. What Is a consumer left to do??
Product: Credit reporting, credit repair services, or other personal consumer reports

On    2010   XXXX   XXXX  my Bankruptcy   was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed o  n delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  XXXX   XXXX  is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay  Back worthyness.please review Experian  and  XXXX  too thanks again
Product: Debt collection

I have never had an account with XXXX. This is the third, third party debt collector that has tried to collect on this account. The other 2 have been removed from my credit file, but XXXX doesn't report it in their name, so while I get the third party debt collectors removed XXXX keeps reselling the account. It is an unfair practice to keep selling the debt to a third party after I have it removed from my name. WAYRESGRP is the new third party debt collector. They failed to send me my notification of right to dispute. When calling WAYRESGRP they don't not handle disputes directly they send the customer to XXXX XXXX  fraud department. XXXXXXXX XXXX is not the company that is negatively effecting my credit. I have a right to dispute with the party that is reporting to the credit file. This is another violation of my rights as a consumer. This account must be removed as my identity was not verified when they opened the account, and the have violated my rights as a consumer.
Product: Debt collection

Apparently, I have had an account with ProCom Services of IL for about XXXX years. Due to my Spam call blocker, I dont get notifications when my phone rings for unknown callers. ProCom has never left me a message so I did not know they were calling me. I did actually pick up the line and was informed that I was in collection. Since this was the first I had heard of it, I thought the collector was scamming me because she refused to send me anything in the mail verifying the claim. 

Now, Im here months later and have had my third conversation with ProCom. The second representative and I spoke and he mentioned that the bill had not been to insurance. Again, I asked this person to send me something in writing so I could verify the charges. He also refused. ProCom claims that since they sent me the original debt collection bill that they are no longer obligated to send another. I begged them to send me XXXX and they refused. 

That made me finally investigate what this charge might be. I contacted my original medical provider and they did indicate that they sent the bill to collection. They also told me that I should dispute the claim based on how the caller said it didnt go through insurance. 

Since I cant get ProCom to send me anything in writing I drove to their office to speak to someone so I could see the paperwork on my account. They had a sign on the door stating that their lobby is closed and no one could walk in to speak with them. 

Now comes call number XXXX. I spoke with the man and told him what the medical office told me to do. He put disputed on the claim but again refused to send me anything in writing. I shared with him how silly it was that we have spent so much time on the phone discussing this when its a simple piece of paper and a stamp. He agreed and said that he thinks its a waste of his clerical team to send it out. I even told him I drove to his business and his only responses were that they have been in business over XXXX years and this is how they operate and that if I wanted to stay in collection, this was how it was done. 

Its only a piece of paper I want. Why is that so hard for them to send me a copy of the invoice?
Product: Debt collection

This attempt for debt collection is from a 3rd party trying to represent XXXX XXXX. I have not had XXXX XXXX as a provider for over 3 years. I switched carriers 3 years ago yet they are still trying to collect a false debt which is affecting my credit.
Product: Prepaid card

Id like the company to contact me regarding a very rude very unprofessional employee whos was extremely rude
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact Experian on behalf of removing the fraud alert on my report. As of today, the fraud alert still exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.