23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I gotten 3 calls from portfilo recovery 3 times I given my attorney and told them I was on the do not call list
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice a hard inquiry was fraudulent, I immediately contact Equifax to let them know about this and to placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I just had my XXXX  XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Product: Credit card

Made a purchase for {$340.00} on XX/XX/23 at XXXX  XXXX. Merchant delivered my order XX/XX/23. Upon inspecting order, it was not what I had ordered. I ordered 7 yards of topsoil. Per their website, the soil contains 50 % soil, 20 % compost, 20 % aged leaf fines, 10 % sand. What I received was mostly wood chips and trash. There was scrap metal, nails, and trash throughout all the soil. I contacted merchant and they didnt get back to me for days. All they said was that it was delivered. I contacted my credit card company to initiate a dispute on XX/XX/23 and I provided the relevant evidence and information. Numerous times they have not resolved the dispute in my favor, saying that I agreed to the merchants terms or service, when that has nothing to do with anything. Their product delivered was not what I had ordered and their terms of service state Im entitled to a refund and return, which the merchant would not let me go through with. Under the fair credit billing act, I believe that my credit card company is failing to confirm as the product I received was not what I paid for.
Product: Debt collection

I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by Emmett L. Goodman, Jr. LLC on the behalf XXXX XXXX XXXX for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Emmett L. Goodman, Jr. LLC XXXX XXXX XXXX XXXX XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX XXXX on my consumer reporting file. I need some help with matter.
Product: Credit reporting or other personal consumer reports

This is an anonymous tip on a company that goes by a a XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Looks like the company in consort with a Midland Credit Management Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been engaging in rampant and incessant attempts to collect moneys without providing any documentation whatsoever. They continue to bombard our credit health with frivolous and retaliatory negative reports and to this day -- XXXX months past, XXXX year past, XXXX  years past, XXXX years past -- and they've failed to provide any documentation whatsoever on a horrifying experience with a credit card company involving blatant discriminatory treatment, mismanagement of our properly made payments, and hang-ups when calling customer service. Nevertheless, it looks like XXXX XXXX XXXX buys these bills from credit card companies gambling on the hopes of getting a quick buck out of disastrously horrendous billing and negligent consumer credit management. The gambling, roll-of-the dice attempts by XXXX and Midland Credit Management to recover fraudulent moneys and retaliatory harm to consumers ' credit health while failing to provide any and all documentation is quite the fraudulent practice. Sure they have a template with a number figure that they demand however this avoids the millions in damages due for discriminatory treatment against unwitting, duly paying credit card consumers. Quite the negligent characters looking for a gambling, quick buck.
Product: Credit reporting or other personal consumer reports

I recently applied for a credit card and I was denied. After reviewing the email XXXX XXXX sent me explaining the reasons why I wasn't approved, I realized that some of the statements on that letter were not accurate. I called XXXX XXXXXXXX and I was advised to call Equifax about this matter. Equifax recommended me to call the agency that has my info about some unpaid money and that placed me on collection. After I called that collection agency, I was explained that they have someone with the same name as mine in a different state. The date of birth did not match and when they ran my social and address there was no record of me owing money. I am very frustrated and confused with all this because I'm planning to buy a house this year and I'd like to get my credit history cleared.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card

In XXXXXXXX XXXX XXXXXXXX, I paid off my CitiBank Simplicity credit card by making a payment for {$3200.00} via my bank 's XXXX XXXX  system. It was not credited to my account, so by XXXX, I had my bank stop payment and I had a Cashier 's check made for {$3200.00} and mailed that on XX/XX/XXXX. Citibank then took my {$3200.00} payment, endorsed and deposited the cashier 's check and they issued a " conditional credit '' for billing period XXXX, then later reversed that credit. As of today, they have yet to credit my account and they continue to send ebills and charge interest. 
I have contacted CitiBank numerous times by phone, have closed the account and have sent the payment verification ( copies of endorsed checks for full payment ) 3 times Twice by fax and once by email.My personal banker has written a letter on my behalf. When I check to see the account has not been credited, I call customer service. I get put on hold ( often terminal ) and transferred around the obviously overseas call center. Then I am told that they are looking into it. Occasionally I get a letter saying that they are working on it, and in the meantime, would I like to make a payment. 
The last time I called on Thursday XX/XX/XXXX, I told them that if they are unable to credit my account, please reimburse the funds back to me. I just checked my account once again and I now have a balance of {$3700.00}. 
This is getting old and has affected my credit rating. Can you help?
Product: Debt collection

This student loan was done without my permission. It was during the XXXX season. I never lived in the state that is asking door gave about updated address and updated phone number that I have over the past 20 years so someone has been falsifying documents other than that is more than student loan to my credit that I need to get removed as well
Product: Checking or savings account

SUMMARY : This is an identity theft issue. A Capital One savings account was opened in my name without my knowledge or consent. Capital One closed the account, but the process was difficult and the bank has not been very cooperative on followup. 

XX/XX/XXXXXXXX  : I receive two emails from Capital One indicating that an online savings account had just been opened in my name ( see attachments 1 and 2 ). I found the Fraud reporting number for Capital One online, called them and confirmed that the emails came from them. After I was transferred twice, Capital One agreed to close the account. When I requested followup, I was informed I would have to email a police report to XXXX. 
XX/XX/XXXXXXXX  : I file a Police Report with the XXXX XXXX Police Department, incident XXXX. Report available on request. 
Unknown XXXX XXXX  ) : I call Capital One to ask whether there was another way I could submit the police report. After being transferred at least twice, I am told that emailing the report to XXXX. I am also told that they will not share information with me, they will send it to the police once they have my report. 
XX/XX/XXXX : I file an online request for the copy of my XXXX Police Report, reference number XXXX. 
XX/XX/XXXX : I pick up the Police Report from XXXX Headquarters. 
XX/XX/XXXX : I send a PDF of the Police Report to XXXXXXXX XXXXXX/XX/XXXX : I receive email confirmation from Capital One that my email received ( see attachment 4 ). 
XX/XX/XXXX : I file an identity theft report with the FTC, report number XXXX. ( Report available on request ). The FTC website recovery plan recommends that I request a letter from the bank, stating : the fraudulent account is not mine ; I am not liable for the account ; and it was removed from my credit report. ( I understand that banks can report some non-credit transactions to the credit reporting bureaus. ) ( See attachment 3 ). 
XX/XX/XXXX : I call XXXX, the phone number on the report receipt confirmation email from Capital One. I am transferred at least once. The agent informs me that she can not find my police report, and that I will have to fill out another form and fax it to Capital One in order to receive the letter that the FTC recommends. She also stated that the letter will not include the statement that any mention of the account has been removed from my credit report. 

Capital One has been really squirrely about resolving my fraud complaint, and I hope CFPB will take a closer look at their fraud resolution process.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX CAP XXXX XXXX XXXX BANK 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 - XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?
Product: Checking or savings account

Navy federal credit union is still illegally overdrafting my checking account going on XXXX  years. They wait until my account reaches a {$XXXX} balance before they process my online payments. For example, I made a payment to XXXX  on XXXX, XX/XX/XXXX, and it was not processed until XXXX, XX/XX/XXXX, the same day which they hit my account with a {$XXXX} " returned check fee ''. I do not own a checkbook, I have never written a check in my life. Navy Federal Credit Union has been processing said " XXXX check fee '' once a month for the last XXXX  years. 
I need compensation.
Product: Debt collection

This inquire on my credit is a violation of my consumer credit rights & I would like for this to be removed as soon as possible!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 2 addresses listed on my report I have never lived at I have disputed this information they keep putting it back on Only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare  company XXXX by XXXX. We spoke with XXXX XXXX who claimed he's a realtor & manager XXXX XXXX, both claimed to not work on commission. They said we were making a good financial investment especially for our kids. They told us that the purchase will have some tax benefits, similar to owning a second home. We were promised gifts of 3-day vacation, {$100.00} slot machine, $ XXXX. We were also pressured to do an upgrade by telling us that it's the last chance to upgrade at the lowest price. They had us open a credit card, and they are the ones who signed the application for me. They never gave us enough time to read the contract and we were never made aware of the fees. They promised us that after we pay the loan, we won't be paying maintenance fees anymore. They also made us believe that we would make money from the timeshare. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I called the following week and spoke to someone named XXXX from XXXX to cancel but obviously it was never cancelled. We experienced financial difficulties due to this timeshare, we couldn't buy groceries at some point & we even have to take a loan to pay for the credit card. At our age, we already have some medical conditions & having this timeshare is causing us being unable to sleep because of the stress we get. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, all the lies XXXX and everyone else told us during the buying process, we felt we have been taken advantage of for commission, we can't believe the lies were legal or that they were even allowed to lie to people in order to get them. We were simply defrauded, this is a scam.
Product: Credit card

I have not requested or authorized XXXX XXXX XXXX or XXXX XXXX XXXX credit to make any inquiries into my credit file
Product: Credit reporting or other personal consumer reports

I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$7200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

An individual unknown to us obtained check # XXXX in the U.S. Mail and forged the payee name on the check to themselves, forged the signature and got paid from JP Morgan Chase on XXXX separate instances with the same check : once on XX/XX/2022 ( {$12000.00} ) and again on XX/XX/2022 ( {$12000.00} ) for a total of {$25000.00}. We discovered the fraud on XX/XX/2022 when we received our bank statement in the mail and reported it to Chase immediately by phone and in person at our local branch. We were instructed to obtain a police report and the claim was submitted to the bank 's fraud department. Chase returned to us the money that was taken on XX/XX/2022 but denied returning the money taken in XXXX, citing their policy that such claims must be made within 30 days of discovery of the fraud. We didn't discover the fraud until XXXX. As we receive our bank statements in the mail, we evidently did not receive the XXXX statement as it was probably lost in the mail. Had we received the statement we would of course would have reported this theft as we did in XXXX. We filed complaints with the executive offices at Chase and they denied returning the first {$12000.00} even though they paid out on the same exact check, on XXXX different occasions, even with the same check number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an order for relief for XXXX granting them credit on the application which gives me a security interest in the business known as equity. The amount was XXXX around XX/XX/2023. I was denied. On XX/XX/2023, I received and adverse action from your company attempting to explain why I was denied via human expanation. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. You are now held civilly and criminally liable under : 1. ) 15 usc 1611 2. ) 15 usc 1640 3. ) 15 usc 1691 ( e ) 4. ) 15 usc 1 I told XXXX XXXX ( finance manager ) in front of XXXX XXXX ( sale consultant ) i had given him all the info he need ( ed to process the consumer credit transaction, XXXX said he was going to Denied the process. I explained the information above to XXXX XXXX told me it doesn't apply to me getting the XXXX  and no one was going to honor the law. I told XXXX XXXX okay and to give me all my documents I shared with XXXX of XXXX. XXXX XXXX refused and insisting he was going to call the authorities on me to get me removed from the property. At that moment another XXXX ( XXXX XXXX ) walked in on the conversation and could clearly see my frustrations while maintaining my composure. XXXX had expressed he had been doing this line of work for XXXX and how I am looking to do this consumer credit transaction is wrong. I am looking to get the XXXX  I test drove. that i need to get the automobile!! No company rules or policy supersede federal LAW!!!!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   XXXX XXXX  Penny Mac Mortgage XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX XXXX XXXX XXXX  Penny Mac Mortgage wan to pay all of the 2 months behind will not want to take one payment at time so I can at least be behind 1 payment instead of 2 payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XX/XX/XXXX I opened an account with XXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report and notice that my credit card XXXX XXXX wasn't being reported on my Equifax credit report, but was showing up on the other 2 credit bureaus reports. It was there previously and for some reason was removed. I called XXXX XXXX first and they explained to me that they report every 30 days to all 3 bureaus and couldn't understand why it wasn't there. I then called Equifax who told me that they only get what is being reported to them and there wasn't much they could do and to call back XXXX XXXX. I did my research and looked back to when I purchased 3- bureaus reports through XXXX. In XXXX of XXXX  my XXXX XXXX card was reporting to Equifax as well as the other 2 bureaus. In XXXX of XXXX  it was gone from Equifax for whatever the reason but still reporting to the other 2 credit bureaus. It hasn't been on my Equifax report since and it's effecting my credit score without the positive payment history I have with that credit card over that time frame. It wasn't until i was getting my credit together to try to purchase a house did I notice this vital information missing from Equifax, especially being I just paid the card down and was looking for the results on my credit reports.