23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to get my account cleaned up and they haven't responded as of yet. I sent to them the US code 1681 chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/2024 my wife and I paid our Target bill over the phone via the number listed on the back of the card and saw that the payment was processed. When I received my next Target bill I noticed that we were being assessed a late payment penalty and that our line of credit had been lowered from {$14000.00} to {$200.00} because of a " missed payment ''. Upon reviewing our account history, we found that Target had reversed the XX/XX/XXXX phone payment by mistake on XX/XX/XXXX. The payment came and the mistaken reversal came with reference numbers that I have in my possession. I called Target and they confirmed that there was an issue with their phone payment processing at that time and that we had in fact made our payment on time and would not be penalized. They immediately reversed the late payment penalty and told me they would restore my prior credit limit.

I have called on no less than FIVE separate occasions, spoken to supervisors and received multiple promises that my credit limit will be restored but nobody has taken definitive action. Today I received a letter that says that Target raised my credit limit to {$500.00}. This is unacceptable. The mistake that Target admits they made has negatively impacted my credit score.
Product: Credit card or prepaid card

I received another threading phone call this morning from Discover Bank aka Discover credit, Discover credit card, discover loan services, discover home loans! In XX/XX/XXXX I received confirmation on my claim for sXXXX XXXX XXXX. I sent a copy to Discover Credit, as card holders were Illegally ( XX/XX/XXXX NY federal court ) required to carry Payment protection plan/Death and XXXX insurance. I was told that I canceled my police in XX/XX/XXXX/XX/XX/XXXX! At that time I owe less then {$2000.00} on each of my two discover Credit Cards. I stop using both cards. BUT in violation to that NY Federal Court Order started charging my cards for then transferring money to their fake accounts and charging me. They kept locking me out of their web sit were I paid them requiring me to reset my password every other month on both accounts on two of their web sites ( they did not allow more then one account per site )!
Discover keeps changing their names after Federal courts rule against them ( PA Federal Court XX/XX/XXXX falsifying documents ). They are now using the name Discover Bank and have tied peoples charge cards thru their company Discover Home Loans to the card holders home!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

The collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms, violating FDCPA 812.
Product: Student loan

I 've received a bill from American Education Services that states to date I 've paid on my private loan {$43.00}, XXXX yet still owe XXXX on a loan I pay {$460.00} per month on for the past 10 years. If this were a federal loan I 'd have had it paid off by now however because it 's owned by American Education Services they can charge both interest rates and payments and thus I 'll be in debt for the next 40 years. XXXX I have paid my debt on time every month however, if there has been a delay in their processing they have been threatening via email, and phone to myself and my mother and have threatened to take her home. I have no logs of these calls. But they happened.
Product: Credit card or prepaid card

Purchased XXXX new Apple XXXX on XX/XX/2022 through Apple. They told me and advertised that it would be interest free for 2 years.The Financing was done through Goldman Sachs. When I received my first bill, it was really confusing. It also had a charge on there for {$410.00} which was not mine. As well as an interest charge of {$2.00}. I called Apple as well as Goldman Sachs. No one could explain my bill and how all the numbers, which are very confusing, to me. Spoke to many people at Goldman Sachs, as well as Apple. One would say that I should contact Apple and the other said that I should contact Goldman Sachs. It came to the point that I wrote a letter to XXXX XXXX XXXX XXXX XXXX XXXX. Got a call from XXXX at Apple and she has tried to correct and explain why the bill is so confusing and what the daily cash part of the bill means. My bill should be straight forward. The balace after my phone trade ins and the monthly payment, which it does not. Bought XXXX phones and after the trade ins my balance should be {$1300.00}. So my payments should be approximately {$58.00} per month for 24 months. Come to find out that they charge the sales tax outside of the total amount and it acrues interest. Which is something no one, Apple or Goldman Sachs ever told me. The bill is just very confusing and no one can explain it correctly. They seem to make you just through hoops about this daily cash thing. And I really dont understand that part at all. In the complaint you guys asked for the card ( account number ) I dont know it. It is not on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.
Product: Credit card

I disputed a transaction for XXXX from XXXX in XXXX and never received a request to submit additional or a decision in the mail. The representative that I spoke to when I initially submitted the dispute told me to be on the lookout for requests to submit additional information and to be sure to respond to such requests. I never received a request for additional info. I called yesterday XX/XX/year>, and a representative told me that they issued a decision back in XXXX. I never received anything in the mail and explained that I dont have trouble receiving mail where I live. I asked how I could escalate the fact that I am not receiving mail correspondence from them to which the representative said that I can ask for updates with their app chat function. I would have appreciated the opportunity to submit a statement and pictures of the condition of the vehicle upon return.
Product: Credit reporting

i had my identity stolen again, so i wrote to the XXXX credit agencies to get a a copy of my report, I sent them copies of my drivers license and including my SS #. Today i received a letter from Experian telling me about identity theft and how to handle it, the letter included instructions on how to get a credit report so i followed the instructions ( the phone version ) and at the end it tells me that i can not get a report and that i would have to send in paper work to include my SS #, copies of my license, bills, bank statements and etc. 
This is the second time this has happened to me in less than a year and i never have received a report. It seems to me that these companies do not not want to give the reports out. but they will sell you their services so that you can get a copy of the report. I have tried for almost 2 years to get copies from all XXXX and it never happens, regardless of the paper work sent in. I have received a copy one year ago from credit karma in l\ less than 10 minutes but again never from the big XXXX. 
What gives and why are they not held accountable for this injustice?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights 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 an account without my written instructions
Product: Debt collection

Im am not aware of Resurgent Capital Services and Ive noticed its reported negative info on my credit report XXXX and XXXX.
Product: Mortgage

I have be working on a modification sinceXX/XX/XXXX. The property is worth on {$20.00} XXXX per boo Ocwen had done. 
I had been waiting then was told after that boo came back low in the XXXX month that I had to be writhin XXXX  month late on payments for a principal reduction. Then was told I had no income when I am self employed. Then now I am back in modification which I do appreciate XXXX Help but their is some suspicious activity. I have untilXX/XX/XXXX to submit my docs and XXXX survivors block my email address that I have proof to avoid my lease and docs request onXX/XX/XXXX. I still do n't know if they have my completed package. I also ask for a workout deal. Ocwen reps said no. Then I got a call onXX/XX/XXXX from some lady that XXXX told them to call me to ask for which address to send public records to when Ocwen new I was in a active modification and had tilXX/XX/XXXX to send in additional docs. I feel XXXX is trying to not help me save my property. ALSO OCWEN IS HARASSING ME NOW. HAD SOMEONE DROP OF COURT DOCS XX/XX/XXXX WHEN THEY KNOW I AM TRYING TO SAVE MY PROPERTY AT XXXX XXXX XXXX XXXX and refuse to give me a reduction in princip when they know the property is not worth {$70000.00}. All the units in the building two were sold for {$12000.00} and that is recorded.
Product: Vehicle loan or lease

I had a car with GM finacial. I have never been late on payments. The car was in the shop for months. I never got a notice of when it was expected to be out of the shop. The shop contacted me to pick up the vehicle. I was out of town for work and could not make it back in the same week. They contacted gm finacial and gm finacial voluntary repossessed my vehicle without my consent or any notice at all. Then sold my car at auction and charged me for the remainder of the loan. Not giving me any payment options and automatically charging it off. Compleatly ruining my credit. The representative was rude and disrespectful.
Product: Mortgage

We refinanced our loan last year and the loan was sold to AmeriHome Mortgage on XXXX. We asked for an escrow account. We have been told multiple times what is needed to obtain the escrow account but once we submit the documents and the payment, the company fails to act on the request. I have contacted them multiple times and they keep saying they need something else to obtain the escrow account. Once I submit the new documents, they fail to act on it. I have gone through this multiples times and have even had to make my tax and insurance payments myself. My husband and I are retired and it constitutes a burden for us to make these payments all at once. 

This company has pulled extra payments and have held our money in an escrow account since XXXX, XXXX  but has never made a payment to our taxes or insurances. 

When I request information in writing they say they are going to generate a letter to us but no letter is forthcoming. 

Is there anything we can do about this situation beside refinancing with another lender?
Product: Checking or savings account

My fiance took a loan out with XXXX under his company XXXX. Unfortunately he defaulted on his payment and XXXX XXXX  garnished his bank accounts including shared personal. In the state of Florida if you open and have a loan under an XXXX  they can not take also the clients asset meaning personal. 

They filed under misrepresentation and also they froze personal accounts affecting me which I have nothing to do with the loan. 

Secondly, Chase Morgan should have not entertained that and Chase not only froze 1 account but three accounts superseding the Court amount and now we defaulted on several payments we made due to their overkill of putting the account on hold for XXXX all three account have a hold from Chase for over {$74000.00}. This cant be legal that Chasexdoes whatever they want.
Product: Checking or savings account

On XX/XX/XXXX my checking account had an unauthorized withdrawal of {$3000.00} with a fake signature. I discovered the unauthorized activity and reported to Chase on XXXX. It was said the withdrawal happened in Michigan. Today is XX/XX/XXXX, more than 10 business days passed. Despite of three phone calls with Chase ( 1.5 hrs in total ) and two visits to local branch, there is still no refund of the {$3000.00}. 
The 1st line of defense of Chase needs immediate training on cooperating with the fraud activities. 
Customers should NOT wait this long for the bank 's mistake to be fixed. I no longer feel safe to keep my money in Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX
Product: Checking or savings account

I filled a dispute with cash app support for unauthorized transfer on my account XX/XX/2023 in the amount of {$2300.00}. I mean literally the next day as of XX/XX/2023 I get a denied letter from cash app support to my email XXXX saying no error occurred when I never ever had any transfers to or from this before any time before the dispute they did not fully investigate at all & did not give my funds back was told it would take 10 business days not the next day then denied me. You all can see in the photos they where completely ignoring what I was telling them & disregarding what I was saying they are not genuinely trying to help me retrieve my funds back.
Product: Vehicle loan or lease

My auto finance company Exeter Financial has not applied 3 months of my payments. It was brought to my attention starting from my XXXX XXXX monthly payment. On their company account website, showing my payment history. I noticed my XXXX XXXX payment was not credited to my account .I called into customer service with my bank in the line on XXXX XXXX. And I was told by their management that it was an error on their end and that it was now corrected and applied to my account along with any late fees. But I then started receiving calls from them stating that my monthly XXXX payment was late. And I again then provided a check tracer number provided by my bank showing the payment was sent and received by Exeter Finance on XXXX and processed. I also emailed a copy of this and again they said that it would be corrected. But I still received numerous calls from their customer service stating I was late. And every time they would review my account and apologize stating it would be corrected. So I went ahead and paid my XXXX monthly payment. I then started receiving calls stating my XXXX payment was late. So I sent via email my XXXX, XXXX, and XXXX, bank statements and copies of the check tracers showing my payments. Were receiving and processed by Exeter. And paid on time and in full amount. This was requested by their management and I was told it would be corrected. Yet it has not been fixed nor have they corrected any of the late fees. And this is extremely troubling because it states payments were received and reversed multiple times and due to insufficient funds on Exeter account website. Yet this is a system error on their end and my bank has called and provided statements showing this. And I was told by Exeter it would be fixed. But it has not been corrected.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX - XXXX 2. XXXX - XXXX 3. XXXX XXXX  XXXX - XXXX 4. XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX - XXXX 7. XXXX XXXX - XXXX 8. XXXX XXXX - XXXX 9. XXXX XXXX - XXXX
Product: Mortgage

On XX/XX/2021 I received a call from Quicken loans regarding refinancing my mortgage. I filled out a form on XXXX XXXX asking for more information on refinancing. I started getting tons of calls and when I picked up the phone I started by asking Quicken to place me on their do not call list. I didn't realize how many calls I would receive after filling out that form. 

I was transferred to XXXX XXXX ( mailto : XXXX ) who was able to convince me to have a conversation about a mortgage refinance. During the call he asked me to verify the last 4 of my SSN, which I did, and then he said " so your whole SSN is XXX-XX-XXXX? '' I said yes. He then pulled my credit. He never asked me to pull my credit, nor would any customer suspect that by giving the last 4 of SSN that that would authorize a credit pull. I was expecting him to ask me for my permission which he did not ask for.
Product: Vehicle loan or lease

On XX/XX/2020, Carvana pulled my personal credit report without my permission. This " hard inquiry '' caused my credit score to drop 18 points. I called Carvana and asked them to remove the inquiry and they refused, even though they agree the credit inquiry was done in error. They stated I need to contact XXXX  to dispute the inquiry and they would support the dispute. When I contacted XXXX, they stated Carvana needs to contact them directly to remove the inquiry, that I can not dispute an inquiry. Both companies are pointing at each other, in the mean time, my credit has been significantly impacted.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Money transfer, virtual currency, or money service

I have been depositing money into square cash inc for a few months now and have not had any problems until XXXX XXXX I had a family try to deposit {$230.00} into my square cash account the payment was declined and my account was locked for suspicious activity which I have not committed any miscellaneous transactions I have exactly {$1100.00}. Locked into my account that I can not access I am extremely terrified that square cash inc. is going keep my funds and not return them I have tried contacting them through email on several occasions XX/XX/XXXX XXXX XXXX XXXX XX/XX/2020 and also XX/XX/2020 and still no help I have children that I care for and I cant manage without money
Product: Checking or savings account

I schedule a online banking payment with my bank Capital one. Payment due date was XX/XX/ for the amount of {$510.00}. I was contacted by the other financial institute XXXX XXXX about payment not being receive. I then contacted capital one which told me a check sent and it should be receive by Monday XX/XX/23. Not only was the payment late but the check still was not receive XXXX  resulting in affecting my credit. I was ensured that the check could been canceled and I have access to the funds to pay the bill XXXX. Which was not so. Now here recently I received a different email from capital one stating the funds from a separate billings account was return into my checking account for {$78.00} on XX/XX/. The other institute said to call my back and Capital one said they dint see nothing.