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

The problem I have is I had two unauthorized transactions for XXXX XXXX orders I didnt do I had the tracking numbers emailed me I called XXXX reps and spoke to them fave them both tracking numbers they said its for an XXXX order I call the bank a complaint is filed on the XXXX the lady never processed me a replacement card so I waited a whole day and nothing was ever process so I called the second day and had to speak to another rep she put a dispute through another one because she didnt see the one from the XXXX because I wasnt processed another card then she process a card but she did it regular mail so I had to do it replacement express so I had to call a third time my issue is I got a provisional credit for the dispute on the XXXX not the XXXX the XXXX was made but the lady who I spoke to on the XXXX didnt see the dispute so she made me one then a little down the line she sees it and cancels the dispute on the XXXX but the XXXX is still here its now XX/XX/XXXX a week later before I was charged and I still aint get a provisional credit for the dispute on the XXXX they will be taking XXXX dollars back tomorrow but it doesnt make sense how a dispute was easily placed on the XXXX and a provisional credit was already provided the XXXX was cancelled so thats why they taking the provisional credit but I havent received nothing for the XXXX I just keep getting told its under investigation but yet nobody telling me how they process a provisional credit for the XXXX but not the XXXX doesnt make any sense to me and I need to figure this out because I called XXXX I called XXXX XXXX its tiring nobody is helping me with this stuff its frustrating because you think your bank has your back especially when you have issues and stuff but disputes wasnt even properly placed
Product: Mortgage

I did have a mortgage with XXXX for 28 years. Due to economical problems ( lossing my job ), I went through 4 Loss Mitigation process. At the end, the bank sold the account to a collection agency ( Franklyn Credit ). 
Again, I went through another Loss Mitigation process. I passed the probation process and now, I'm suppose to sign a new contract.

My worry is that the principal balance is {$62000.00} and I do recognize the debt.The problem is that they want me to sign a contract that add the amount of {$26000.00} ( for interest and late charges that were charge by XXXX, third lender ).

Is not fair to paid " interest over an interest '', or the struggling law for mortgages accept that action for good.In that case, does the collection agency has the right over those interest owe to the previous lender? Since the transaction was for the PRINCIPAL balance.

Franklyn Credit pretend charging me the total amount of {$88000.00}, more than the market value of the house. Do I have any rights? Do I have to pay the mortgage again for 30 years more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX Unsecured loan with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXX  XXXX XXXX XXXX loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX XXXX XXXX with account # XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX Credit Card with account XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.
Product: Checking or savings account

XXXX has been at a consistent XXXXXXXX XXXX but now it's decreased to XXXXXXXX XXXX  which leaves me to have to struggle on how to pay for food plus bills can't live off of XXXXXXXX XXXX And there obviously not going to fix it. Now have stolen XXXXXXXX XXXX  from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. LexisNexis is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX XXXX XXXX ) who are also directly using LexisNexis ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how LexisNexis is claiming they are AGAIN using a third party system ( XXXX  ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( XXXX  ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which LexisNexis also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX XXXX XXXX ) show that address on my report. Therefore, under the FCRA, LexisNexis is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. XXXX  is not. The Court is the original provider and they do not furnish this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.

Best regards, XXXX XXXX
Product: Student loan

I have my student loans through " XXXX XXXX XXXX '' and two times now they have moved me into forbearance / deferment status without my approval. The first time I was in deferment for at least 6 months before I noticed. For years I was paying my bill electronically out of an account I do not pay much attention to. One day I happened to notice that my student loans stopped coming out. When I inquired about it they would not respond with a reasoning. They can not tell me why i was in deferment. However, in that time i did accrue interest and my balance only increased. 

This morning I received an email ( something I did not last year when it first happened ), and this email said I was approved again for forbearance / deferment. Again, i never asked for it and they just put me in there with no explanation. 

I am trying to pay down my student loans, but when this company puts me in deferment with no explanation, no reasoning, no advanced notice - I can not get out of debt. This is a scam, they are wanting me to defer so i increase the interest I owe and i extend my payoff period. I need them to stop putting me in deferment. But more importantly, this must be investigated to find out how many other people they are doing this too. Surely they are not just picking on me - but rather this is a practice they employ.
Product: Debt collection

XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to XXXX. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. XXXX sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.
Product: Debt collection

I XXXX XXXX XXXX the consumer received a letter from Portfolio Recovery Associates stating an alleged debt is owed.This is a violation pursuant to 15 USC 1692b ( 2 ) A debt collector shall not state that a consumer owes any debt.I gave no consent to Portfolio Recovery Associates to contact me at anytime pursuant to 15 USC 1692c ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

CONVERGENT OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. CONVERGENT THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX and XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : COMEN-XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft COMENITY CAPITAL BANK Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : $ {$38000.00}
Product: Debt collection

Multiple items showing up on my credit report due to fraud, I reached out to company they told me, they can't provide me information on who it was I have to resolve it myself. This is getting out of hand I'm trying to buy a house and all of these collections are popping up that I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX  Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX removed the inaccurate entry from my credit report and sent updated copies of my report. However, Equifax said they investigated the entry and that it is accurate. Equifax knows that I have been having ID Theft issues probably from the breach of Equifax 's own records. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail and they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have no response from XXXX XXXX and under credit reporting laws the period for them to have responded has elapsed. I then sent Equifax another letter, via tracked priority mail, along with a copy of the dispute letter that I sent to XXXX XXXX and informed Equifax that no response was received from the provider that Equifax is trying to say is responsible. Equifax provided no repsonse from the secodn dispute with the additonal infomation that I provided them and over 30 days has elapsed since Equifax received the dispute. Equifax must feel that it is less costly to not properly investigate the inaccurate entry on the credit report rather than to follow Federal Laws that state credit reports must be 100 % accurate and that unverifiable data must be removed. 

Secondly Equifax also shows an entry from XXXX California XXXX. I disputed this previously and they indicated that they removed the data from my report. However the entry once again is showing on my report. I believe this item has been illegally re-inserted into my report. It is illegal because since I was notified that it was deleted I have never been notified as required by Federal Law that it was going to be inserted back into my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/21 I set out to freeze my credit with the 3 major credit reporting agencies. As I understand it, to protect my identity without having to pay for it, I need to freeze my credit with these 3 companies. This process was difficult and time consuming. In addition, it didn't work with one of the agencies. Below are my comments/complaints about each : Experian was by far the worst. I created my free credit report account. This went easy. However, when I tried to freeze my credit they wanted to sell me expensive identity theft products and wouldn't give me the ability to perform this task. Instead, they sent me to another website and ask for all the same information. I gave them all my data and then they came back with a message that they couldn't freeze it and that I had to mail personal information to them. Why can I open an account that shows my credit report, allows them to market products to me but yet they will not freeze my account like the other two agencies do? 

XXXX doesn't make it easy to find the free credit report and freeze service. I went down the wrong path and ended up subscribing to a $ XXXX service. Their customer service center was good about canceling it and telling me the secret URL for the free service. Once I had that all went well. 

XXXX - This was by far a much easier organization to work with. The home page directed me to the free service and I was able to get my free report and add the freeze all in one location without any hassle.

It is my opinion that there should be one website that handles this for consumers. These agencies should be required to work together and make and manage this site. This is a cost of using my data to sell products.
Product: Credit card

XXXX XXXX Capital One I am writing to formally express my dissatisfaction with the handling of my recent credit card application and account management. 

I recently applied for and was approved for the Capital One Venture Card. However, shortly after this approval, my account was placed on hold, and I was asked to provide bank statements, which I promptly did. Despite my immediate compliance, my account was restricted for over 10 days, and my rewards account, where I had accumulated XXXX referral bonus points, was also frozen. 

After enduring this unwarranted delay, I was further dismayed to receive a letter in the mail about two weeks later, stating that my account would be closed. I find this series of events to be both unfair and deceptive, and I request remediation for these actions. 

I request that Capital One do the following : Credit me for the XXXX points I rightfully earned. 
Reopen my credit card account. 
If Capital One is unwilling to reopen my credit card account, I request that you take the following actions instead : Remove the closed credit card from my credit report, including all associated credit inquiries. 
I find it unacceptable that Capital One would approve a credit card application only to subsequently close the account without any reasonable explanation. This situation has caused me undue stress and frustration, and I expect that Capital One will take prompt and appropriate action to resolve this matter. 

I look forward to your swift response and resolution to this issue.
Product: Credit card or prepaid card

in XXXX XXXXmy card was charged {$15.00} i reported it to Aspire, they sent me a new card now 2 months later i have been charged late fees and can't get through to the company it's up to {$66.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in on or about the last week of XX/XX/2021 to dispute some fraudulent information on my credit report. I was told to send in a police report, copies of SS and as well as ID which I faxed in all documentation and everything that was asked. I received a letter dated XX/XX/XXXX that they need the same information that I had just faxed in and told me my police report wasnt good enough. I called Equifax on XX/XX/XXXX and spoke to a very rude representative who was supposed to connect me with a supervisor but hung up on me. This is not the first time this has happened to me with this company and it seems to be a ongoing problem.