23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud, fraudlent inquiries are on my account I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Mortgage

Greentree keeps calling my personal and work number about 10 time a day, use abused threats. Saying their will come an take the house and have me in trouble. They also want to talk to my boss.
Product: Credit card

Hello I am trying to pay off my credit builder account. I randomly received over {$1000.00} into my credit builder one morning & I transferred it into my checkings & used it to pay bills then woke up the next day to my account being over negative {$1000.00}. I have been struggling trying to pay it off. I called up & they said to turn off safer credit building  to help which did the exact opposite! & now they have closed my account & its now a charge off. All I have to pay is {$150.00} but they are not allowing me to finish my payments which I am trying to do. Please help so I can fix this with the Bureaus asap.
Product: Money transfer, virtual currency, or money service

g a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate he Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Ieaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I have contacted their customer service representatives with no response back! I can't log into the site to change my payment method and I've told them repeatedly on chat that they need to change my payment method and not take it off the card ending in XXXX!! Someone on there and changed my card to the primary ending in XXXX without my permission because I have not been able to log in!! Now they're blocking me from logging in!! So I can not change any payment method or anything!! They have also took away all my credit limit without an explanation other than it's based on my credit report! My credit report is better now than it was when I first started using them!
Product: Credit card

Chase bank all of a sudden lowered my credit limits in two cards that were both in good standing. They sent us an email stating that it was either due to a late payment or we hadnt used the card in a while. This action caused my credit score to drop from XXXX to XXXX. Those were both false statements. I received a call from someone at the executive office conveniently after she was getting off for the day. She stated they investigated and they stand by their decision. Ive asked for proof of either occurrence and theyve been nothing but silent. Ive heard of this happening several times by chase bank. All she would say is her names XXXX from Chase executive office. Her number is XXXX and extension is XXXX. Ive asked chase to rectify this issue as it has negatively impacted my credit for no reason
Product: Debt collection

A place called Capital Management Services continues to call my number looking for a completely different person ( a woman by the name of XXXX, yet I am a man who knows no XXXX ). I have had my number for almost two decades now so clearly there is a mistake. I have asked them repeatedly to take my number off my list as I have nothing to do with this issue, yet they continue to harass me. The last person I spoke to was XXXX XXXX, and her supervisor is XXXX XXXX. Please make them take me off their list. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN 24-48 HOURS BUT INQUIRES ARE STILL THERE
Product: Mortgage

I was paying my mortgage and putting extra on my payment wanted to pay down my loan I noticed less and less was coming off the principal and more going to the interest I called and questioned this and I was told this is happening because I was paying to early on my mortgage even though I was paying after the statement date I ask to have it revised my extra payment and have it to to the principal they did for one month call back and questioned about the other month and was told they will reimburse me never got it I called back and the lady said it was denied why she had no answer I also was trying to get the full break down of how everything was split up between interest and principal 3 different times and still have not received it I need someone to help me with this
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX FRD MOTOR CR XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Mortgage

On XXXX XXXX, XXXX I sold a property located at XXXX XXXX XXXX, XXXX, TN XXXX. The closing occurred on XXXX XXXX, XXXX. 

A mortgage on the property was held by Carrington Mortgage Services , LLC . Their pay-off statement ( copy of which is attached ) indicated that the current total unpaid principal balance of the loan was {$57000.00} and interest payable of {$410.00}, with a total amount to pay the loan in full of XXXX ( XXXX + XXXX = XXXX ). That is the amount that was paid to Carrington Mortgage at closing ( See attached closing disclosure ). 

After closing it was discovered that the interest due to Carrington Mortgage at closing should have been about {$210.00} and not {$410.00}. So I had been overcharged by about {$200.00}. 

On XXXX XXXX, XXXX I contacted Carrington Mortgage and spoke with a service representative, who said that a senior service representative would have to call me back to discuss the situation. As of XXXX XXXX, XXXX I had still not heard from Carrington Mortgage thus I called them back. I spoke with a service representative by the name of XXXX. I Discussed the interest situation with him and he agreed that I should have been charged {$210.00} and he could not figure out why they had charged me {$410.00} instead. He said that I needed to talk to a supervisor. He said that no supervisor was available at the time and transferred me to a supervisor 's voice mail. I left a very detailed message as to the reason for my call and left both my home and cell phone numbers where he could call me back. 

As of XXXX XXXX, XXXX I had still not heard from Carrington Mortgage. I called again and spoke to someone by the name of XXXX. She also seemed puzzled as to why I was being charged {$410.00} instead of {$210.00}, however, she said she could not help me and that I needed to talk to a supervisor. I left a voice mail message for a supervisor by the name of XXXX XXXX. I explained the situation and asked him to call me back. 

As of today ( XXXX XXXX, XXXX ) I have still not heard from anybody at Carrington Mortgage. I Think it is pretty clear from the above that these so-called supervisors at Carrington Mortgage are totally ignoring my very reasonable request for a review of the situation I am describing. I am relying on the Consumer Financial Protection Bureau to help with this matter and I appreciate any assistance you can give me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Collection and Use of Financial Data by XXXX Musk-Associated Entities Dear CFPB, I am submitting this complaint to report the unauthorized and potentially illegal collection of my personal and financial data by entities associated with XXXX Musk XXXX XXXX but not limited to companies such as X ( formerly XXXX ) XXXX XXXX, XXXX others under his control ( DOGE ). 

I have reason to believe that my private financial information has been accessed, shared, or used without my consent or proper legal justification. This data breach has caused significant distress, including concerns over identity theft, invasion of privacy, and financial exploitation. I suspect that this unauthorized data collection may have contributed to or worsened my current financial situation, including debt and outstanding loans.

Given the severity of this situation, I am requesting a formal investigation into these practices and am seeking relief in the form of loan forgiveness, as the illegitimate use of my data may have contributed to unjust financial obligations. 

I am prepared to provide further documentation or details upon request. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have su [ icient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. 
I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely a [ ected my credit score. 
The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX o Late Payment Date : XX/XX/XXXX o Payment Status : 30 days late. 
o Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Late Payment Date : XXXX, XXXX o Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER. 

PLEASE DELETE THESE ITEMS FROM MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I contested the inaccurate info such as inaccurate amounts /late payments/ wrong addresses/phone numbers/ amounts owed ; on my credit report and they failed to resolve the issues so now Im filling out a complaint form with you guys and if this does not work then I will pursue litigation against them.
Product: Checking or savings account

Chase JP Morgan Bank shows me getting overdraft fee revese dispute while my account is still positive fraud investagation dispute. The fee came from an unauthorized hold on my checking and saving account that was removed. I was explicitly told by a Chase representative that I will still be charged an overdraft fee even though the charge was removed from my account Chase is routinely stealing from their customer 's bank accounts via illegal junk fraudulent or unauthorized charge nothing is being done about it. My account was closed without my knowledge with a balance of {$1200.00} fraudlent and unauthorized charges, overdrafted fee and sent to collections and reporting to chex system, which in no way states that customers must pay fees for fraudulent or unauthorized charges.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from ( EXPERIAN ) XX/XX/year>. I saw a hard inquiry that did not have permissible purpose. 

( XXXX, XX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

Through borrowers defense to repayment my balance was reduced to {$57000.00}. Nelnet hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX Nelnet updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$110.00}
Product: Debt collection

Diversified Adjustment CenteXXXX keep calling but won't give the reason they are calling XXXX or XXXX times a day. They ask me for my information or just hang up everyday. Their number is XXXX
Product: Checking or savings account

XXXX amounts of XXXX and XXXX of XXXX were charged to my account. When the claim was disputed it was rejected because they said the service was rendered. It was not. I have provided multiple accounts of disputes to the merchant with no resolve.
Product: Debt collection

I got a letter through U.S. mail from First National Collection Bureau , Inc ( 1st letter i 've rec 'd ) stating i have a {$11000.00} debt. They are offering a XXXX % discount on that debt if i make XXXX payments of {$180.00} w/each payment within 30 days of the previous payment. They threaten that unless i notify them within 30 days of receiving the letter that i dispute the validity of the debt then they will " assume '' the debt is valid.
Product: Debt collection

Monterey Collection Service representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$3400.00}
Product: Credit reporting or other personal consumer reports

There were several accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

XXXX XXXX has not applied payments to my account that was made by the save the dream HAF program. Causing my account to be deliquent. The payments were made on XX/XX/25 via electronic check Batch # XXXX in the amount of {$6700.00}. They have had more than enough time to apply the payments but fail to do so. Instead they are reporting deliquent status to the credit bureaus. I have spoken to Save the dream and they said the status they show is paid and these are government funds.
Product: Checking or savings account

In XXXX or XX/XX/2023, my company helped me to opened an XXXX XXXX account in Optumbank, and I also has {$1300.00} deposited into this account, but I can never login into this account, whatever the device I use, when I tried to login I always get the error message : " Our records indicate you don't have access to optumbank.com. If you think you are getting this message in error, please call XXXX, During business hours with any website or technical questions or issues. '' I called the customer service of Optumbank many times and they always say they will report my problem, but my problem is never solved and I never get called back, so I can never use the money in my XXXX account. I really need the money in this account to cover my health spending bill.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge offs, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple personal credit card accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXXXXXX  ), a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and a personal installment account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A company called Midwest Recovery Services made a negative report on my credit report. They did so on behalf of a company called XXXX XXXX XXXX XXXX. I have never received anything in writing about a debt owed to The XXXX XXXX XXXX. I never had a payday loan from this company. The Midwest Recovery Services never contacted me about a collection on a debt owed to anyone. I have tried to get something in writing, but have yet to receive anything. There is no debt and I believe that They are attempting to scam me.
Product: Credit card or prepaid card

Chase Credit card does not pay off the higher APR when you make a credit card payment. So a {$900.00} cash out transaction I got 10 years ago has accrued interest to where my entire credit card balance is now considered all cash out at an APR of 26 %!!