23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife and I rented an apartment from XXXXXXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. We noticed " admin fees '' were being added to our rent each month for roughly {$180.00} and when we asked what it was for, we were told not to worry about it because they would be reimbursing us for these fees in the form of gift cards and we were also told these gift cards could be used to pay rent. See XXXX. XXXX email from XXXX XXXX on XX/XX/XXXX. These cards were to be issued by a 3rd party called XXXX XXXX, a company that XXXX partnered with to provide gifts to their residents and seem to be doing business with them regularly. 

In the email attachments included, you will see that the gift cards, in fact, were not able to be used for rent when trying to apply them to my debt multiple times. I have documented pictures and proof of the cards not working and her team letting me know they should work and they would be contacting the company. See XXXX XXXX with error messages I was getting from their website attempting to use the gift cards and sending this to the leasing team. I sent the emails containing the gift card links back to the leasing office as soon as they didn't work. I was told they would work with the company to address this issue and I had to continuously follow up with them for a few months until I finally heard back in XXXX. On XX/XX/XXXX, XXXX, the manager, informed us that they requested the gift card balance be sent back to them to apply directly to our account. I followed up with them for a month and received no response. On XX/XX/XXXX, XXXX informed me that management would apply a concession in the amount of {$2300.00} as per her email on XXXX XXXXXXXX. At this time, I did nothing with the gift cards as we were told that management would be removing the credit from them and using it towards our concession. 2 months went by and we heard nothing from from so I followed up as our lease was coming up and they had our security deposit and had not issued the concession they were claiming we should've received in XXXX. I was ignored and when we moved out, they didn't mention the gift cards again. Before we moved out, I let them know again that they failed to send us the concession that was promised in XXXX and that they could take that money and apply it to the last month rent as we did not want them stealing money from us. They finally replied to us, after we moved out, claiming they reached out to XXXX XXXX to reissue gift cards, which never happened, and that we still owed them money. And then, last month, I was contacted by Columbia Debt Recovery and was informed that I owed them the remaining balance of {$2200.00} and it was starting to accrue interest. I pled my case to the credit bureaus but they could do nothing so I'm hoping this can help resolve what I believe is not my debt to pay.
Product: Debt collection

On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis.
Product: Mortgage

I did a refi in XX/XX/2021 to lower my mortgage payment. The refi paperwork reflects my escrow account was fully funded & accounted for in the refi.

In XX/XX/2021, the mortgage company refunded me {$3400.00} as a surplus in my escrow account. My assumption was that the refi caused this overage. 
On XX/XX/2021, I received notification that my escrow account was now short about {$3500.00}. 
I logged in to the property tax accounting website for my county ( XXXX ) and saw that the first installment of property taxes was never made and there was a {$200.00} late fee assessed. I do not receive property tax notifications due to the escrow account. 
Mr Cooper has indicated they paid the {$200.00} late fee out of their own funds, not out of my escrow account. But now my house payment has increased {$270.00} a month as a result of theor mismanagement of my escrow account. 
The fees I paid to do the refi were a complete waste of my money because now my payment is even higher than it was before the refi. 
This is all the result of their error & misuse of my escrow funds. 
They should be penalized for this activity, it is deceptive to lure me into a refi with the promise of a lower payment & then misuse the escrow funds, resulting in me having a higher mortgage payment.
Product: Debt collection

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in p
aragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting reporting the the credit score for transunion score is reporting XXXX when transunion is reporting XXXX
Product: Credit card or prepaid card

I disputed a charge with XXXX through Chase and I didn't get an acceptable resolution and my appeal was denied without explanation. I tried to speak to someone from dispute department on the phone but I was told that's impossible. My dispute was about a defective product that I tried to return but was denied due to an error in XXXX system. XXXX themselves told me through email support the only way to correct it would be to dispute the charge. The first time I disputed I was denied and Chase attached a letter with an answer from XXXX that only contained a printout of the order details and a single line about how it's ineligible for a return. I then appealed the dispute and attached my appeal document that contained a reply from XXXX email support telling me to dispute the charge and my complaint letters to FTC and Attorney General against XXXX. After 15 days I received a generic letter informing me that " the charges are valid '', no answer from XXXX was attached. The letter was saying " no billing error occurred on your account '', but that wasn't the reason for the dispute. It wasn't about a billing error, it was about a defective product. 
I'm not sure anyone from Chase dispute department even looked at the appeal document, it seems my dispute was closed automatically. Chase didn't answer my secure message when I asked them if the appeal document was received. 

Transaction date on XXXX : XX/XX/2023 Purchased item : XX/XX/XXXX Dispute reason : defective product, return denied Claim ID : XXXX Dispute submission date : XX/XX/2023 Amount : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX never gave Equifax, written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

None of these companies have lawful authority to put any account on my consumer report. All accounts list below must be deleted!

I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent account.

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! 
Each one of these accounts need to be deleted immediately, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Once again all accounts above shall be blocked and deleted from my credit file immediately! 
This will be forwarded to the consumer Financial protection Bureau, I will also notify my attorney generals office as well
Product: Credit card

My name is XXXX XXXX I live in XXXX. I was shopping at ULTA Beauty Store back in XX/XX/2023 when a sales associate asked me if I wanted to open a credit card and I mistakenly said yes and I should have read reviews first. I made a HUGE mistake signing up knowing that I'll never get the card and I never received it despite having the account number. My Account Number is XXXX They kept charging me and they DID close my account. I was checking my credit score yesterday and somehow it was showing {$130.00} for COMENITY/ULTA on my credit score which is a scam, I did NOT buy anything for {$130.00}, my account is closed. please dispute and remove this fraudulent charge from my bank account. 
Thanks, XXXX XXXX
Product: Debt collection

Midland keeps reporting on all three of my credit reports that I owe them money. I do owe them any money. I do not owe any credit cards that they have bought.
Product: Payday loan, title loan, or personal loan

They lied about speaking with me and put lies into my " file '' stating i oked things i never did or stating they spoke to me and never did. They charged me additional " interest '' on the already high interest that i paid. i sent my payments to the address that was given on the payment coupons and apparently the computers do n't link together because every month they would call harassing me about being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX American Express Credit limit XXXX XXXX XXXX $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, XXXX XXXX
Product: Mortgage

I have been trying to do my best and try to work with my lender but all they do is give me the run around. I have provided documents to them on a timely manner and have resent several documents over and over again. They continue to advise that they don't have a clear image when I am looking at the document and it's a clear as can be. They now closed my review as of yesterday because of this and have to start all over again because someone in their department is just by passing my documents and not even reviewing them.
Product: Credit card or prepaid card

Since XX/XX/2020 ... .I have made over 50 phone calls to US Bank and Reliacard , gotten lies and circles for 6 months. During that time over {$1500.00} in Unemployment fron Texas Workforce Commission has loaded bi-weekly onto this card account. Faxes from three employers and a coworker giving mailing address updates trying to receive this bank card had no results at any of 4 LOCAL XXXX ADDRESSES. On two occasions after frustrated 43 minute wait times, the Reliacard rep. claimed to be Overnighting it at a {$12.00} cost ( x2 ). As of today 5 adults yet wait to see this bank card arrive.
Product: Mortgage

Good afternoon : My name is XXXX XXXX. I have been dealing with a Servicing Company Select Portfolio Servicing XXXX loan # XXXX for my home Mortgage for the last 11 months on Covid assistance in a plan to update my mortgage with a modification, forbearance or repayment plan. I learned after the 3rd month that I only qualified for a repayment plan. I have been sending them documentation for the last 10 months and have yet to be given a repayment plan or any finalized plan to move forward with!!! We have sent them the same documentation over and over just to have them change how the document reads or what is needed on it. we have given them 7 different profit/loss statements from my Company that they denied by changing how they want it to read or dates, ownership, expenses, etc. They have asked for a verification letter at least 6 time and denying it for various reasons that they did not inform us of until they denied it. When we started this process after the first for months, we owed a back balance of {$16000.00}, which would have been hard enough to pay back in a specific time like 4yrs, yet they still have not given us a final plan and if we didn't keep sending new clarifications, they could proceed with foreclosure. We are now in the rears {$46000.00} dollars which would be impossible to pay back in a year. I don't know what to do!!! My address is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX phone # XXXX and email is XXXX Thank you so much. XXXX XXXX
Product: Credit reporting

I have sent several letters to Equifax disputing items on my credit file that do not belong to me. The Inquiries was XXXX of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to make my monthly payment to Wells Fargo Bank for my XXXX XXXX account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to Wells Fargo, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by Wells Fargo even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as Wells Fargo is reporting the wrong information to the credit bureaus.
Product: Debt collection

XX/XX/XXXX - Dispute collections reported line of credit for Conns amount {$19000.00} Account opened in XXXX. 

I did not open or apply for credit with Conns in XXXX. 
Explained this is not my account or my doing. 

Credit report was UPDATED to Closed Written off in XX/XX/XXXX. 

No one with Conns company will help clear this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I disputed unauthorized credit inquires on my report to the  XXXX  bureaus. They responded that they do not handle inquiry disputes and I have to contact the companies directly. I contacted the companies on  XXXX   XXXX ,  2017  and they sent letters back saying that I had to dispute the inquiries with the bureaus because it was on their report.     I did not make these inquiries and the companies and the bureaus are sending me in circles. I have spent over {$100.00} sending certified letters to the bureaus and companies and they are not researching the inquiries or trying to fix it.
Product: Checking or savings account

On XX/XX/2021, my checking account with Capital One 360 was compromised as my debit card information was stolen by a thief using the XXXX XXXX. I notified Capital One right away. They said there was nothing they could do because the three transactions were still pending. Someone wiped out all my money from my account except for {$1.00}. I had received an alert from Capital One and I told them I DID NOT AUTHORIZE THESE TRANSACTIONS. They suggested I contact XXXX XXXX, which I did. I sent two emails to XXXX XXXX with a copy of what they had taken out from my bank. I told them this was fraud and I want this individual prosecuted. XXXX XXXX knows who this money was going to. 
I called Capital One 360 today and they said there was nothing they could do until these transactions post. XXXX from XXXX XXXX Never got back to me after I gave them all this information. 
I am a senior and I have no money now for food or gas. Something needs to be done NOW. I have copies to send you as documentation of this theft.
Product: Debt collection

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Report : 1ST CRD SRVC ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase JPMorgan credit card company pulled my credit, did a hard credit check to my report multiple times without my knowledge. All of my husbands credit card accounts are listed on my credit report. My husband place me on his accounts as an authorized user, not me. Every single time they check his account they ran a credit check on my credit which has lowered my credit score.

I have requested that Chase Bank remove all these accounts from my credit report.

This has caused me to possibly lose a low interest rate and possibly the home.

All three credit reports are doing this to me. When I asked for this to be corrected, they advised me that it won't happen. 

I am filing a formal complaint and reaching out to an attorney to see what I can do, if anything.
Product: Credit card

Aspire ( credit card company ) informed me in XXXX, 2023 that they had closed my account in XX/XX/2023. I made a payment of {$350.00} and Aspire made a 50 % match payment of {$170.00} in XXXX. Despite my account being closed, Aspire continued to charge me monthly fees, late fees and an annual fee of {$49.00} in XXXX, 2023. They fraudulently charged me {$12.00} in monthly maintenance fees, and {$41.00} in monthly late fees for XXXX months. Aspire also reported those payments as late to the credit agencies. I have called numerous times to tell them they need to report the account as closed as of XXXX, and to stop fraudulently charging my account. They never have a supervisor available. All they offer is another price match, where they will match my payment with a 50 % match payment. Aspire continues to charge late fees and monthly maintenance fees. I will provide the monthly statements that prove the account was closed and they continue to charge fees that no longer apply to a closed account. I am struggling, and Aspire is illegally harming my credit score, making my struggle harder. How is this legal??? How can they continue to charge late fees and maintenance fees on a closed account? How do they get away with charging an annual fee two months after THEY closed the account??
Product: Debt collection

I spoke to Dynamic collection agency on XXXX XXXX XXXX. I called the previous collection agency to obtain Dynamic collections information due to not receiving any notification that they had obtained my debt. Once I had their information I called them to settle my account. They would not accept my settlement, however, they proceeded to treat me very poorly including commenting on ability to pay in a disparaging way. I was over talked for much of the conversation along with the rude remarks that were made. I tried to explain that I had not received any communication in written form.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, Experian and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING UN VERIFIED ACCOUNTS NEGATIVELY AFFECTING MY ACCOUNT WITH EXPERIAN. THEY HAVE AN ACCOUNT FROM XXXX THAT I HAVE SENT OVER DOCUMENTATION SHOWING THAT THIS IS NOT MY DEBT DUE TO A SHARE METER AT THE TIME I LIVED AT THE RESIDENT.YET STILL EXPERIAN CONTINUES TO VERIFY THIS DEBT. HOW IS THIS POSSIBLE.

I HAVE SENT OVER 3 DIFFERENT CERIFIED LETTERS ABOUT XXXX   ACCOUNTS. XXXX HAS NEVER RESPONDED TO ME, YET STILL AGAIN, EXPERIAN CONTINUES TO VERIFY THIS ACCOUNT. I HAVE GOTTEN NOTHING FROM XXXX   ABOUT THIS ACCOUNT.

I HAVE ALSO SENT OVER VERIFICATION LETTERS TO XXXX XXXX. ALL THEY HAVE SENT OVER IS A LETTER SAYING THIS IS MY DEBT. HOW IS EXPERIAN STILL CONTINUING TO REPORT THESE ITEMS THAT ARE NEGATIVELY AFFECTING MY CREDIT WITHOUT ANY PROOF FROM THE ABOVE AGENCIES. IT IS AGAINST THE LAW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX has failed to validate this account under Fair Debt Collection Practices Act, XXXX XXXX XXXX et seq., and the Fair Credit Billing Act, XXXX XXXX. XXXX this account is damaging my credit worthiness
Product: Mortgage

The Company did not respond to the QWR, or the response received was unsatisfactory or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX