23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

** Thus is not a third party complaint** On XX/XX/XXXX I was attempting to pay XXXX to began the start of my business. I had the necessary funds needed to complete said transaction except my card continually got declined. So seeing the declined messages made me go check my account because as I've stated I had more then enough to cover the transaction. I called my card company after seeing that {$250.00} dollars was taken out of my account for no reason as all of my attempts at my transaction were declined. I had no resolve until the third call where I was told that could expedite the cancellation of the transaction. I was even told to call the merchant in which I did and that did not have anything in their system about my transaction. This has put me in a real bind as I was looking to start my company and have the rest of my funds to take care of my daily personal needs gas in my car clothes washed etc. No matter how many different reps I spoke to at Credit Karma and told them a declined transaction should not have resulted in a hold on my account and they needed to release the hold they did not listen. My money is still on hold and in limbo because the merchant does not have it and neither do I. I had to borrow money to do my daily needs because of theirs company when a declined transaction should not have my money on hold.
Product: Mortgage

Chase is not the original lender of mortgage. I am XXXX handicapped and they have tried to take advantage for years I do not know where to begin. First they tried to pull off a short sale, they changed the date the mortgage payment due, put liens on property without serving me court documents. Now they are trying to bill me for past years I did not have house insurance. I was told in real estate class that California law states that if house is more than 2/3 paid off you do not have to have house insurance. 
Chase is going out of there way to add extra costs onto the mortgage every few years and it is because I am XXXX  disadvantaged  and they want to take advantage of me. I feel they will not hear what I try to tell them and come after me underhandedly and wickedly to add extra costs. This violates Americans with Disabilities and is so unjust. It is done because I am a widow, XXXX, poor and without resources to protect myself. It never ends. Has been going on for years. 
I sent a check for XXXX for escrow only. Chase decided not to put it in escrow which understandable they want money, interest, ect. I then ran into extreme financial crisis and asked if they could put it towards next months mortgage or mail back. Instead they try to bill for house insurance years past.
Product: Credit card or prepaid card

On XX/XX/XXXX we had 4 charges to XXXX for {$100.00} each then on XX/XX/XXXX we had 2 more charges of {$100.00} each to XXXX for {$100.00} each. We immediately reported it to Fortiva. On XX/XX/XXXX they sent us a new replacement card, and on XX/XX/XXXX they sent us a Fraudulent Charge Affidavit that we did not receive until XX/XX/XXXX in the USPS. I called twice to check on when to see if it was coming and they said it was to take 10 business days. It came on the 11th business day. It said it had to be filed within 14 days of the original date of the letter. It could be filed by fax or email but they could not send it to us by Fax or email to sign. Then after we filed it they acknowledged it they sent us a letter saying since we filed the fraudulent charges our account had been canceled. We had the card for over a year and never missed a payment. In going through our statements we also found we had been charged Credit Protection fees totaling {$52.00} for the period we had the card from XX/XX/XXXX to XX/XX/XXXX. It was optional insurance that we never signed up for but in the fine print they automatically signed me up for it and it was up to me to get in touch and decline it or they would charge me for it which they did. This is surely a scam to cower me into just paying the fraud to avoid a black mark on my credit report.
Product: Debt collection

A company by the name of Integrated Recovery Services, with a business address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, has contacted me and my place of employment several times a day for the past 2 days (XX/XX/XXXX & XXXX, 2017 ). I returned their telephone calls on multiple occasions telling them that I do not want them calling my employment, and they told me that it was " automated '' and " too bad ''. The automated message leaves a " sketchy '' message about trying to locate me, and wanting verification of a current address, wages, and my liquidated assets. Quite intimidating, and quite ridiculous when you know that they are a scam business that buys old debt for pennies on the dollar, and try to scare you into thinking that they are attorney 's and are going to send you to jail. I am aware of the old debt that they bought. However, I do not want them calling my employment, which I am allowed to have stopped, and they refuse. They are " bullies ''. If they try to pull their antics on naive or older people, they may just scare them enough to hand over their account numbers. I know that they have had many complaints filed against them, and it would appear it does nothing to stop them. They also told me they would contact everyone I know, because they can. And that " they are NOT going away ''. They have hung up on me 4 times, and immediately called my work and phone again, with the automated message. This " business '' needs to be handled accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent my letter. I told the credit bureaus to " investigate every piece of information '' on accounts I listed below. Also I have attached the letter I sent out and here is the tracking Number ( XXXXExperian ) ( XXXX ) ( XXXX XXXX through USPS.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/number- XXXX XXXX XXXX XXXX XXXX Account name/number- XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( The Creditors ) XXXX XXXX XXXX and XXXXXXXX XXXX the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with the company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. 
I have never lived at the address for which I am being billed. 

I previously made this info available to the first collection agency in XXXX XXXX. Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX CREDIT REPORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax ( AGAIN ) regarding their refusal to allow lenders to access my credit report, despite providing all necessary identity and address verification information. This refusal has caused me significant financial harm, as I am now paying substantially higher rates across various financial products due to lenders being unable to pull my credit report. 

I have verified that there is no credit freeze or lock in place on my account, and I have taken all necessary steps to ensure that my credit information is accurate and up to date. However, Equifax continues to block access to my credit report by potential lenders, which is severely affecting my financial standing. 

In addition to this, Equifax has also failed to update my payment history on my credit report, despite my timely payments. This has led to further discrepancies in my credit report, further harming my creditworthiness. 

I am requesting immediate intervention from the Consumer Financial Protection Bureau to ensure that Equifax resolves this matter promptly. I seek the following : Immediate access for lenders to my credit report. 
An update to my payment history to reflect all accurate and timely payments made. 
A review of the impact that this issue has had on my financial situation, with consideration for any possible compensation or corrective actions. 

I have made several attempts to resolve this issue directly with Equifax, but their actions have remained unresponsive and damaging. I trust the Consumer Financial Protection Bureau can help resolve this matter swiftly. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance.
Product: Student loan

When I was underpaid and struggling to pay my loans from Fall XX/XX/XXXX to XX/XX/XXXX, Navient repeatedly encouraged me to take in school forbearances rather than giving me income sensitive repayment options. Forbearances were simple and could be approved over the phone and were pushed by the Navient employees. As a result of these forbearances, tens of thousands of dollars of interest became capitalized and I am paying much more for much longer than needed to be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s. code 1681N. the bureaus is not complying, and hold inaccurate information. I WILL SUE FOR {$1000.00} PER VIOLATION. 


THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT GIVE ANY WRITTEN PERMISSION IN ACCORDANCE WITH FCRA TO HAVE THE BELOW IDENTIFIED TRANSACTIONS FURNISHED ON MY CONSUMER REPORT. PLEASE BLOCK THE REPORTING OF TH IS INFORMATION. THE IDENTIFIED TRANSACTION ARE NOT RELATED TO ANY TRANSACTION BY THE CONSUMER. THIS BLOCK IS NOT BEING MADE IN ERROR, OR ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF.
Product: Credit reporting or other personal consumer reports

TransUnion has admitted to knowing there is inaccurate information on my report, continued to report it, and refused to investigate into the fraudelent companies reporting it. They've closed every case in which I've reported them, and I'll continue reporting until they are burnt to the ground.
Product: Checking or savings account

On XX/XX/2023 at XXXX, text from Santander Bank verifying XXXX transfer of {$120.00}. I denied the transfer request. Received call from caller ID " Santander Bank ''. Man on the phone, who knew my name, said there was suspicious activity on my debit card with XXXX and suspicious {$950.00} purchase in XXXX, TX. Conversation stated he was putting a hold on my account and removing a newly added " transfer recipient ''. Asked for my username and last 4 digits of SSN for verification purposes. He stated he is filing a claim for {$950.00} charge. Gave me a claim 's number to refer back to for a follow up. Asked for the text message 6 digit code I received from bank. Another code was texted to me when I noticed it said " Santander bank will never ask for this code ''. I realized this was a fake call but at the same time I received a text for a {$950.00} charge under the same claim number he has previously given me. Appears on my statement as " external transfer to acct - # he previously gave me ''. I immediately hung up and called my bank 's fraud department. My bank handle the investigation on their end ( refunding my account and closing my bank account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a collections acccount open in XXXX and Experian but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in fraudulent accounts being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " XXXX XXXX : XXXX - via XXXX, XXXX, and Experian. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- Experian is a XXXX, XXXX is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.
Product: Mortgage

Repeated harrassment phone calls at my place of business on the XXXX day of the month ( mortgage payment due on XXXX to the XXXX -- STATED ON MORTGAGE!!!!! ) -- Just to help stop harrassment, I am mailing payment two days before XXXX -- due to mail -- not there yet -- they are making me lose my temper at my business -- causing stress -- please make them stop calling me immediately.,
Product: Debt collection

I bought a product from XXXX. The product was defective and XXXX refused to allow me to return it. As a result I used the consumer protection on my credit card to dispute the charge. 

It turns out that XXXX uses Affirm to process their credit card transactions and Affirm is now harassing me about the charge. I have explained to them that I did not get the product I bought and asked them repeatedly to stop contacting me but they refuse and text and email me multiple times a week.
Product: Debt collection

Kimball, Tirey, and ST John is a collection agency on behalf of XXXX XXXX XXXX XXXX. They have attempted to collect a debt and damaged my credit profile for a property they dont manage and represent. I have disputed with them along with XXXX  to no avail. How can they take certain measures for a property or owner they dont represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a XXXX  of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted (  XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' TOWN OF HEMPSTEAD EM 15 LATE PAYMENTS Balance details 37 % paid off Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Payment summary XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$3000.00} Monthly payment {$96.00} Additional info Responsibility Individual Account Terms 36 Months Company sold - Original creditor - Comments CUSTOMER UNABLE TO LOCATE CONSUMER FIXED RATE Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Checking or savings account

I have been unable to withdraw my funds since XX/XX/year>. I have opened support tickets but have been unable to assist and the only information they provide is that they are working on a system upgrade. Additionally, I have two transactions that Solo charged me for that were not fulfilled and they will not refund. No estimated resolution time was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of NEWREZ-SHELLPOINT XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received NEWREZ did not apply the payment which l received back a closing since l sold the property to get rid of NEWREZ due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to NEWREZ. l have made over 40 phone calls to NEWREZ asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from NEWREZ. l am XXXX and am on additional medication for XXXX XXXX XXXX XXXX XXXX XXXX due to the months of stress. I made a payment and NEWREZ never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since NEWREZ advised me not to make a payment. The property closed on XX/XX/XXXX and NEWREZ was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chase credit card that was charged off in XXXX of 2014. This debt was sold to a debt collection once then went back to chase. I believe this debt is part of the settlement when cfpb brought action against chase. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted chase to see if they would remove the account however they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit from capitol one