23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FirstPoint Coll  repo Today I had a collection showing in my credit report. A medical biller that my insurance paid. I called and verified that this bill was paid. I contacted the collection agency FIrst Point Coll Repo and the person was very agressive and XXXX and rude. He was asking me for money to have it deleted it from my account, ( money to him ) not the actual debt since the debt had been paid. He wanted money and was yelling at me and then started making very XXXX comments and after I hang up he was texting me on my phone ( he texted from XXXX dif numbers ) since I blocked him, he sent many texts messages threading me and making XXXX comments about my accent. Luckily I was able to record part of the phone call and I have text messages showing how aggressive and disrespectful he was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX which is a umbrella company by the name of XXXX XXXX XXXX has been reporting a account under my name which I have no knowledge of. I have disputed this account 30 times with the credit bureaus & they keep verifying this account as accurate. I have sent over a FTC report & they have still verified it as accurate. I have contacted them multiple times left messages for the compliance team. Everytime i try to speak with someone I end up speaking with XXXX whom I have told that I had another vehicle at that time so I did not need another vehicle & i also provided him with my location at the time of the purchase of the car he still states that doesnt mean anything & It could still be my vehicle. I have tried multiple times to get this situation resolved, but no one contacts me or reaches out to me. They are also reporting inaccurate information. I need this account removed from my credit report asap & I also need them to follow the procedures listed on the affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), 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 these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, 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 card

XXXX has been charging my account with a " Debt Protection '' fee I never even signedfor. I have been a card holder since XX/XX/XXXX, and was shocked that XXXX would allow these unauthorized charges on my account. Today, i called the XXXX provided on my statement, and neither XXXX of the XXXX representatives i spoke to could give me a confirmation, proof, anything, of how i was being charged for this " optional service fee ''. I asked for cancellation right away, and they could not even give me a confirmation # for that. A girl named XXXX, who was the XXXX XXXX i spoke to, mentioned it was an optional service and that i was somehow signed up since XX/XX/XXXX!!! She tried to explain the " benefit '' of the service, but i was clueless as i have never, nor will ever, even consider such an option to begin with. She stated she would transfer me to another line to cancel, which i was redirected to a guy named XXXX, XXXX. He could not give me any direct answers on how this service was authorized, and mentioned he would cancel it today ( XX/XX/XXXX ), and that i would be " REFUNDED '' any charges dating back to XX/XX/XXXX. He mentioned within 30 days, i would receive a letter, or that the refund should show up on my XXXX account, if not, to call back and speak to a rep again. I purchased a washer and dryer last year On XXXX XXXX, for my new home, and since then, for every month, they have been charging this fee. It started with a " debt protection '' fee of {$20.00}, and has gone up EVERY MONTH since now to {$59.00}!!!
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to create auto in the amount of {$8600.00} after about four weeks I called to check if my order was ready and they instructed me that it wasnt I made this transaction on my capital one credit card I went to the shop on XX/XX/XXXX and I canceled the repair and ask for a refund.They canceled my order process my credit card for a refund and provided me with a refund receipt they instructed me that I would receive the refund in two weeks which I never have after multiple attempts in trying to resolve my issue with the credit card company and basically getting the runaround all my efforts have had negative results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold Citibank/XXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Debt collection

This debt collector engaged in deceptive unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in this process. More so they did not follow the five step validation procedure which makes this an unfair practice. Access to the FDCPA I am entitled to {$1000.00} dollars per violation and clearly that have violated my rights.
Product: Mortgage

I 've been dealing with Shellpoint Mortgage Servicing since they bought my Equity loan from XXXX in XX/XX/XXXX. I 've been trying since XX/XX/XXXX to get Shellpoint to work with me. They just keep sending me a standard form letter saying the principal balance is due ( {$33000.00} ). I 've been trying to find ways to pay off this loan. I completed Shellpoints ' Uniform Borrower Assistance Form and sent along financial documentation ( annuity statement, XXXX & XXXX taxes, 2 bank statements, hardship letter ) to obtain a repayment plan. I also informed Shellpoint that I am retired and on a set monthly annuity and I could make payments of {$400.00} a month. Or, if I pay the minimum on my credit card I could pay {$700.00} a month. Faxed on XX/XX/XXXX and I also mailed the same documents I called the Shellpoint contact I have XXXX to see if he received the Fax, got Voice mail. Called again on the XXXX, XXXX of XXXX, voice mail. He finally returned my call on XX/XX/XXXX. He had not done anything with the documents I had sent, now he needs more current bank and annuity statements, I faxed on the XX/XX/XXXX. I still have not heard if this packet of documents have been reviewed by their underwriting department. So they are not accepting my money and they are not working with me to get this loan paid off. Contacted XXXX who has my current mortgage and asked them about refinancing my current mortgage to roll in this loan. They said if I refinanced it would up my interest rate and as that is not beneficial to me they would n't do it. Applied for refinance with XXXX. Everything was going smoothly until XXXX called Shellpoint a 2nd time for a Payoff amount and Shellpoint told them I was late. So then I did n't qualify for the FHA loan anymore and XXXX wanted to switch it to a conventional with {$9000.00} in closing fees. Applied and was approved for a personal loan with XXXX for $ XXXX and I called Shellpoint to offer this cash to close the account. No response from Shellpoint to the $ XXXX cash pay off. In fact, I have n't heard a word from them. No phone calls or anything. I got approval for a personal loan through XXXX Loan for the {$33000.00} which would cover the principal balance of {$33000.00}. XXXX Loan wired the money to Shellpoint on the XX/XX/XXXX. Shellpoint returned it on the XX/XX/XXXX with no explanation. I ca n't seem to get anybody at Shellpoint to help. I have n't been able to get a number for the billing department to find out why they returned the {$33000.00}. Shellpoint also returned the payments I sent for XXXX ( {$350.00} ) & XXXX ( {$300.00} ). By not working with me on getting a prepayment plan and then returning money I 've sent in a good faith effort to pay off this debt. This kind of customer service should be illegal. I 've lived in this home 26 years and I am fearful that Shellpoint will foreclose on my home for the principal balance of {$33000.00} even though I 've tried to pay them.
Product: Debt collection

My account was garnished for XXXX dollars. This account is my bills payment account with XXXX XXXX. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX XXXX in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by XXXX XXXX XXXX XXXX for LCS Financial Services court case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XX/XX/2023. I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against TransUnion because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness or accuracy of an item of information on my consumer file. I sent TransUnion a dispute letter on XX/XX/XXXX, labeled as Exhibit A, which they received on XX/XX/XXXX, labeled as Exhibit B. They finished investigating my dispute which was mailed to me and I received on XX/XX/XXXX. The date on the TransUnion report was XX/XX/XXXX, file # XXXX. The investigation results stated on the report : VERIFIED AS ACCURATE AND UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed The information that they updated was Balance which went from {$4000.00} to {$4000.00} ; 'Date Opened ', which went from XX/XX/XXXX to XX/XX/XXXX ; 'Date Update ' ; and 'Past Due ', which went from {$4000.00} to {$4000.00}, as seen in the screenshots labeled Exhibit C & D. I sent TransUnion a follow-up letter asking for the method of verification, labeled Exhibit E, on XX/XX/XXXX, which was received on XX/XX/XXXX via return receipt, labeled as Exhibit F. On XX/XX/XXXX, I received a letter from TransUnion in regards to my dispute. The letter was dated XX/XX/XXXX, file # XXXX and stated : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. TransUnion has failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that TransUnion must provide method of verification after receiving a request from the consumer for that description no later than 15 days. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then TransUnion must promptly delete that item of information from my consumer file.
Product: Debt collection

On XX/XX/2019 a credit card from XXXX XXXX  XXXX bank was opened for XXXX dollars this was not me and I want it removed from my credit
Product: Credit card or prepaid card

Dear Sir : I wish to bring a matter concerning Synchrony Bank to your attention. Over a year ago I opened a credit account with Snynchrony Bank for {$1200.00} in Dental expenses. The account offered 0 percent interest if the amount was paid in full within 18 months and punitive interest rates on the whole amount if not paid in full. I understood that. Synchrony never sent me any statements, instead they sent monthly emails listing my balance and a " Total minimum payment due. '' The email offered a link to my statement if I wanted to take the trouble to go to their site log in, password etc which I recognize I should have done. In fact in spite of my knowing that this was designed as a snare for the unwary, I allowed the period the grace period to expire. My fault, they won. 
Except : every email stated a minimum payment due which I was always careful to meet and usually paid more than the minimum. 
From XXXX : The minimum monthly payment is the lowest amount a customer can pay on their revolving credit account per month to remain in good standing with the credit card company. Making the monthly minimum payment on time is the least a consumer needs to do to avoid late fees and to have a good repayment history on his credit report. 
I call your attention to the part of the definition of minimum payment above that says : " the least a customer needs to do to avoid late fees. '' I say that including a minimum payment amount in the email and no other information is misleading. 
If they had not listed a minimum payment in their emails, I would have had to seek out the statement and realized the situation. Or if they had mailed paper statements, I would have caught it. I admit it, I was lazy and too trusting. Whether they were deliberately misleading to the point of crossing the line from merely unethical to actively fraudulent I leave to you as a disinterested observer. 
Thank your for your time, XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX email : XXXX phone:XXXX extracts from 2 Snychrony emails for reference : From Synchrony ; XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$580.00} Total Minimum Payment Due : {$27.00} Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details. 
XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$34.00} balance {$580.00} interest {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # Number XXXX, XXXX, XXXX and hoping that this XXXX  XXXX Balance : {$1300.00} ( XX/XX/XXXX ) Late payment will be updated.
Product: Mortgage

I am currently trying to pay the balance of {$360.00} Plus {$1.00} interest Plus {$10.00} Recording Fee on my mortgage directly from my checking account. While this number is higher than the amount I calculated by roughly {$140.00}, I understand that I will need to sue Truist for those funds plus court costs and my time ( not to exceed {$10000.00} per statute ). There should be no difficulty in accomplishing my goal EXCEPT Truist is an obstacle to paying-off my mortgage. Please explain to my why a payment from my checking account is not allowed given that every payment I've made in 13 years has been through transferring funds electronically.
Product: Checking or savings account

On XX/XX/2023 I walked into chase Bank to with draw my money I was asked to present my ID which I did, XXXX then started giving me a hard time by asking me numerous more questions then she finally said I can't give u any money without your chase XXXX card. I then asked to speak with a XXXX XXXX XXXX XXXX which is the XXXX XXXX XXXX XXXX. He just agreed with XXXX and said he's not gon na give me my money without a chase XXXX  card. So this chase Bank is attentionally holding my money with is a violations of my rights This is pursuant to XXXX Please save the video and/or any recording that will show me getting my rights violated by not giving me my money on date XX/XX/2023 Parties involved : XXXX, XXXX and chase Bank Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I decided to review my credit report. Generally it appeared to be in order. but what I saw was that one of my XXXX XXXX accounts was unlocked and my XXXX XXXX XXXX  account also unlocked after several atempts to lock them. I was contacted by a representative from XXXX XXXX as! was concerned about leak information or fraudulent attempts that could happen. I was told by XXXX XXXX that my account was frozen. However, I wanted to know why two accounts which under the names of the account is written in green " Access granted '', while the remaing ( 3 ) accounts displayed " Access blocked '' ( which was what I requested. I attempted to contact Experian on three occassion with the XXXX representative on the other line. All we got for awhile was the automated system, which of course had NO options relating to my issue. I received noticed that my social security was on the XXXX XXXX as well. I sent three ( 3 ) emails to Experian, but was told they were only going to automated system. I have made calls to no avail unable to get a phone number to speak to a human. I don't exactly know how this affects my credit with " access granted ''. I get no answer and just want to know WHY when I definitely locked these two accounts ) they remain accessible. Secondly, there is documentation that I have an account with XXXXXXXX XXXX! I DO NOT HAVE AN ACCOUNT WITH MACYS. When I applied for this account ( XXXX XXXX ) mid XXXX, my accounts were frozen, and I was told I can unfreeze. I didn't bother. I do not have an account to XXXX so why is it on my credit listings. This too I am just noticing it. It is blocked and can't be unlocked! I am somewhat XXXX now regarding this complaint in that at first it did not accept my instituting a new password and I believe my privacy for CFPB has been violated ( I have email prviacy address ), and I believe two accounts for CFPB has been created! 
Becaue I can't reach a human being, I am rquesting a written response to my concerns regarding mention of XXXX XXXX ( which I have NO account ) and why two accounts XXXX  XXXX ( I can't tell if it's my XXXX  account or XXXX ) but I am unable to access I tried to file a disupte and the approprate page would not show up XXXX my computer ( another concern ). So I am prevented from filing a dispute ( I will continue to try ) However I did apply for XXXX XXXX mid XXXX and told my credit report was frozen, so why is XXXXXXXX XXXX showing as a account on Experian report. As the federal Fair Credit reporting ( FRA ) promotes accuracy, I would like to have same for my reporting accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS/INQUIRIES AND LATE PAYMENTS that are inaccurate. Please remove these negative items from my credit report immediately.