23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from XXXX. If you call this number the message states you are calling credit management. I do not know what this call could be regarding. The person that called me, the person that answered when I called back, and the manager refused to identity who they were calling on behalf of unless I gave them my personal information. I do n't know if this is a scam what the call was regarding. When I refused to provide my personal information they would disclose nothing to me.
Product: Checking or savings account

XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information in XXXX Report Dear XXXX Team, I am writing to formally dispute certain inaccuracies in my XXXX report. I believe the following information does not accurately reflect my financial status, and I request an investigation and correction as necessary. 

My personal information is as follows : - **Full Name : ** XXXX XXXX - XXXXAddress : ** XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX **Social Security Number : ** XXXX - **Date of Birth : **XX/XX/XXXX The specific entries I am disputing are as follows : 3. **Source of Information : ** Citibank , California - **RTN/ACCT # : ** XXXX / XXXX - **Reported For : ** Account Abuse - **Date of Closure : ** XX/XX/XXXX - **Original Charge Off Amount : ** {$1100.00} - **Closure Status : ** Unpaid I dispute this entry as it does not accurately reflect my account status, and I request a thorough investigation. 

Please investigate this matter and correct the inaccuracies in my report. I would appreciate a written response confirming the results of your investigation and any corrections made to my report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found two accounts that do not belong to me. The two accounts are XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

I was offered a deferred interest credit card by Synchrony bank for Living spaces. 
I was making the regularly scheduled payments, but noticed that my balance was not going down at the rate expected for a zero interest card, upon further examination, I noticed after 8 months of paying on the card, that they had added a credit protection service to my account without my permission at a rate of XXXX per month. 
My promotional balance shows XXXX, however the total balance to be paid shows XXXX. My balance is increasing month over month XXXX per month for nearly 12 months charged without my permission with interest being charged on that XXXX. 
I attempted resolution early XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. Each time saying it would be credited back, with no real resolution. 
My concern is that they are adding these fees without consumer permission and it will prevent the promoted no interest balances from being paid in full. that means more than 26 % interest will be charged massively increasing the balance. This definitely is shady and similar to the conduct XXXX XXXX was practicing.
Product: Credit card or prepaid card

My INDIGO card : Logged in online. Card - last XXXX of card number displayed. I was recognized. Fine. Since their " new '' website and " service '' I CAN NO LONGER : Get My Balance. 
Make a Payment. 
See my Statement. 
NOTHING. 

If I can not make a payment or at least the Minimum Payment, I'll be charged a : ate Payment Fee which will go on my Credit Reports who WILL NOT BELIEVE THAT THE CREDIT CARD COMPANY WOULDN'T LET ME MAKE A PAYMENT. 

Select any one of these options and all I get is a BLANK SCREEN. Called the company and stated my account number to them in the phone call. THEY COLD N'T FIND MY ACCOUNT. NUMBER DOESN'T EXIST. 
Tried to call their NEW customer service number and was put on wait for over an hour. 
This company has become worse and worse over time. A year ago I had no problems. That's all changed today. 

I WANT THIS COMPANY SHUT DOWN! 

I'll CLOSE MY ACCOUNT then deal with the worthless credit reporting companies later on. What a country, huh?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Pentagon Federal Credit Unions Handling of Account Information Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Pentagon Federal Credit Union ( PenFed ) for its ongoing failure to provide accurate and complete information regarding my loan accounts, as well as its mishandling of critical account information that has negatively impacted my credit profile. Despite repeated attempts to resolve these issues directly with PenFed, they remain unresolved. 

Complaint Details : I hold the following accounts with Pentagon Federal Credit Union : Loan # XXXX Loan # XXXX Closed Personal Line of Credit I have repeatedly requested PenFed provide the following : XXXX. A comprehensive payment history for each account, including exact due dates, amounts due, and payment statuses. 
XXXX. An explanation for discrepancies in payment reporting. Specifically, some payments were made but have been inaccurately reported as missed, leading to adverse effects on my credit report. 
XXXX. Clarity regarding why my payment portal shows due dates far in the future with no amounts owed, yet missed payments are still being reported to the credit bureaus. 

PenFed has failed to provide this information, including after written correspondence and phone calls. I received a letter in response to my inquiries, but it did not include the details I explicitly requested, such as a full payment history or clarification of due date discrepancies. 

Key Issues : XXXX. Inaccurate Reporting : Payments I made during specific months have been reported as missed, contrary to my records. 
XXXX. Lack of Transparency : PenFed has not provided the requested documentation to verify account activity or clarify reporting errors. 
XXXX. Negative Impact : These inaccuracies have damaged my credit profile, impacting my financial standing and creditworthiness. 

Request for Action : I am requesting that the CFPB : 1. Investigate Pentagon Federal Credit Unions handling of my accounts, including its failure to provide requested account documentation and its inaccurate credit reporting. 
XXXX. Ensure that PenFed provides me with a detailed account history, including due dates, payment amounts, and payment statuses, for all referenced accounts. 
XXXX. Ensure that any incorrect information reported to the credit bureaus is corrected immediately. 

Thank you for your attention to this matter. If additional information is needed, please contact me directly at the details provided above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was on a phone call ( recorded line ) with an agent and I was making all of my payments on time and with under 30 % credit utilization. My credit score kept dropping with Equifax, no matter how small my credit usage was. I didnt know why until I gave them a phone call and they stated that the reason why my score keeps dropping is because there is a collections on my account. I have never been in any contract with that debt collections company and I have demanded that it shall be taken off as there is no documentation of my contract with that debt collections company. 

Also, I would like to report EQUIFAX for violating the Fair Credit Reporting Act as they are using my old information to calculate my current credit scores. This is a violation under the FCRA and I encourage this to be investigated further as this reporting agency has been doing this to me for 3 months no matter how many payments I made on time while using a small percent of credit usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2.00} FCRA violations : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and I seen thing reporting on my credit that I didn't agree to my personal info was exposed in the data break which means 15 USC, 1681 apples to me. 
I filled a complete with FTC report. 
I've asked for proof of account I never received anything from them the info they is not mine never has been my info. 

Global Lending service XXXXXXXX XXXX - XXXX XXXX Original Balance XXXX Pass due Balance XXXX
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from HUNTER WARFIELD XX/XX/2021 in the amount of {$3100.00}. First and foremost, I have confirmed that the debt collector, HUNTER WARFIELD is not licensed in the state of Louisiana to collect on this debt. Secondly, HUNTER WARFIELD, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to HUNTER WARFIELD? I have never heard of them, have no written contract with them and have never received any benefits from them, yet HUNTER WARFIELD has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$3100.00}.
Product: Credit card

im in the process of purchasing a home and it was brought to my attention that my loan account with boa was reported late in XXXX and XXXX. XXXX this is not true. this is my second loan with them and both were on auto pay
Product: Money transfer, virtual currency, or money service

I was banking with wells Fargo. A transaction was make. Which I disputed. My account was closed. Am I won my dispute years later. It was cleared but over time I wasnt able to open account due to a Wells Fargo hold
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, XXXX, equifax, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

XXXX REMOVAL DATE XX/XX/XXXX EQUIFAX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to the XXXX major bureaus, XXXX, Equifax, and XXXX dated on XX/XX/2022. These letters were sent certified mail with a return receipt. The return receipts were stamped on : XXXX XX/XX/2022 XXXX XX/XX/2022 Equifax XX/XX/2022. I sent a 30 Day No Response Letter on XX/XX/2022 ( for Equifax ) and XX/XX/2022 ( XXXX XXXX XXXX ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days that included information as described in Section 611 ( a ) ( 6 ) ( B ) ( iii ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Cancel card in XXXX .... I have my card ending in XXXX and it should have three deposits coming. I do not want any other card except for my XXXX with BLUEBIRD. I will not contact you anymore regarding bluebird unless directed otherwise... I apologize for any inconvenience or confusion. Thank you.
Product: Money transfer, virtual currency, or money service

HI I write to you today to help me find my {$1200.00} that I transfer to my wife via Western Union on XX/XX/2018, tracking number XXXX. I clearly declare to the cashier that the money needs to pick by my wife on Monday, XX/XX/2018, at any time ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. XXXX ml from my house. On Monday at XXXX my wife announced that she could not get the money because they don't see any money. I quickly called Western Union and they apologized for any inconvenient that they cause to me and I have to return after work to get my money back. After work, I went to Western Union at XXXX and spoke to the assistant manager who advised me to call Western Union again and he spoke with them. They gave me on Monday,  XX/XX/2018, another tracking number to get the money # XXXX. I went everywhere without success. I called them again on the phone and they told me they will investigate that case for 20 business days, when I called they said I have to wait until today I called a lawyer who sent them an email, they denied the letter. Now, I was watching the news and I saw that you can help find the money that the reason I email you all the information that can lead you on the right path. 
I had all ; my police report, my receipt. When I called Western Union on Monday They told me that somebody in XXXX took the money 3 hours after I finished to do that transaction, I told them how come because I specifically said to the cashier that the money needs to deliver on Monday, XX/XX/2018. Since today I am waiting for that money, I hope that you will help me out or I. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX Thanks in advance and may God Bless you and your team.
Product: Credit reporting or other personal consumer reports

In my understanding of my membership the outline is to support the development of my credit to monitor update however there seems to be some illegitimacy as I find myself disputing cases that are closed and should no longer remain. There is mis-information lil my SSN Ive never seen those numbers neither of them belong to me, there permissions given to track the data collected yet no one is tracking I am glad I was able to submit the original details My complaint is generally on the inability and acceptance of what ever is reported to these main source of information to the public Who based on whats visible determinations are made whether that information is accurate or not its displayed so how is it you raise the price of membership when there is no support for the consumer if youre going to add anything to record.If you arent going to help by updating the information accurately than maybe its time shut down Because your becoming apart of the problem and suggestive application is not a solution your ruining lives. Many of us pay our bills sorry its hard for you to believe.
Product: Mortgage

I submitted a request for a modification on XXXX XXXX, 2016 for review. At this time I was XXXX months delinquent on my mortgage. They reviewed my package and determined that I was eligible for a repayment agreement which would hold any foreclosure action. They offered me the agreement on XXXX XXXX, 2016 which I promptly accepted and returned XXXX XXXX, 2016. 

On XXXX XXXX, XXXX Midland Mortgage filed a foreclosure action against me after executing a repayment agreement.
Product: Mortgage

I am a XXXX XXXX  service-connected XXXX veteran who's XXXX 
XX/XX/XXXX : I called to request a mortgage assistance application. I called Loancare and spoke to a representative explaining my current financial situation was a financial hardship due to an emergency XXXX XXXXXXXX, and adjusting to life after a divorce. The representative stated I qualified for deferment and forbearance. The representative explained to me that the company was supposed to allow me to resume the same payments from my previous COVID financial issues. Instead, I was forced to pay more than my original mortgage payment ( {$2100.00} at XXXX interest rates ) but now it's ( {$2500.00} at XXXX interest rates ). The representative stated she would send the application to me in the mail. I did not receive the application until late XX/XX/XXXX. 
I tried to make a partial payment but the Loancare system doesn't even allow for partial payments. 

On XX/XX/XXXX : I emailed a Mortgage Assistance application form they are attached below : XXXX pages of the mortgage application, borrow expense form, taxpayer consent form, with the divorce decree, veteran benefit statement, XXXX months of bank statements, and XXXX months of pay stubs. 

On XX/XX/XXXX : I called Loancare to check on the status of the application, the representative stated XXXX boxes weren't checked and a taxpayer consent form was not submitted. 

On XX/XX/XXXX : The document with the missing XXXX checked marks was resubmitted ( attached below ). 

On XX/XX/XXXX : I called to ask for the status of the mortgage assistant application. The representative stated that the application was denied today due to a missing taxpayer consent form. I asked to speak with a mitigation representative then the gentleman disconnected the call in my face. 

There was no email confirmation ever received from Loancare confirming that they received the application. We received negative credit reporting while requesting assistance. 

There's proof of discrimination from this company. This is the third time I have encountered financial issues with this company. This company is trying to XXXX over a veteran that served this country and the freedoms of its citizens.
Product: Credit reporting or other personal consumer reports

I discovered that I was a victim of identity theft due to my phone being stolen, the thief hacked into all of my bank accounts, made payments and pretended to be me. All of my bank accounts and savings were wiped resulting in negative information on my credit reports, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this for almost two years now, I have not been able to work full-time due to XXXX XXXX XXXX XXXXXXXX and XXXX XXXX due to this burden and I have struggled to get housing due to this issue on my credit reports and housing being full. I want this issue resolved ASAP and to have a normal life again.
Product: Credit card or prepaid card

US Bank is reporting inaccurate information on my credit report by the fact that each bureau is reporting different monthly payment amount. Information is not matching and is not accurate.
Product: Vehicle loan or lease

I ASK THEM TO REMOVE THIS DEBT THAT IS SHOWING UP ON MY CREDIT REPORT AS A CHARGE OFF OR SOLD AND I HAVE BEEN DOING THIS FOR OVER 5 YEARS AND STILL IS NOT REMOVED. I ALSO ASKED FOR A 1099C SINCE THIS WAS A CHARGE OFF OR SOLD AND RECEIVED NOTHING AS OF TODAY.
Product: Mortgage

On XX/XX/18 I was set to settle on my home. Chase Bank ( Short Sale Bank ) did not send final disclosures until XXXX this morning. The Short Sale Bank found seller short in payments by {$850.00}. The seller stated they could not pay this at this time since they were never told it was owed. Short Sale Bank came back to the buyer and not only included {$850.00} into new closing disclosure, but attempted to decrease seller assist ( promised in contract, which took over 9 weeks to get signed by bank ) by {$1400.00} on top of {$850.00}. The bank is terrible to reach, does not correspond within a reasonable amount of time, and is committing fraud by going against a signed contract.The Short Sale Bank ( Chase ) was asked for weeks to send their part of disclosure for costs and should not have waited until date of settlement. Buyer has already arranged for appliances to be delivered, painter to come in, and rented a moving truck. You can not expect the buyer to pay almost {$2000.00} more than what was promised the day of settlement and breach the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX CAPITAL ONE Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX