23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

about 5 years ago the newly formed church I attend needed a bank to deposit funds for a building fund. One of the members suggested an XXXX account. Everything has been fine until a month ago when the secretary tried to access the funds. The principle signer has XXXX XXXX and we are trying to replace his name with new ones. They are holding our funds XXXX. We have submitted all the paperwork they asked for, talked to XXXX XXXX who claims to be the president of the new owner of XXXX - Capital One. Emails have been passed almost daily and he keeps saying he is investigating. Meanwhile our bill are not being paid, the missionaries we support can not get their funds until we get our money from XXXX/Capital One. We are told everything is online and there is no brick and mortar bank to go to to talk to someone. We need help desperately. We can not hire a lawyer because our money is frozen. Please, please let me hear from you soon. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 


XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to without my consent, my credit report was accessed and left hard inquires on my report without my knowledge. There are multiple inquiries on my report that are causing serious hardships. Below I have attached the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

Hi, I am trying very hard to get connected virtually on the phone with the XXXX XXXX. I have the business card, it is the USBank Triple Cash Rewards Visa. I do not see any contact options in writing online to do this. I do not have any formal branches in New Jersey to go to. To talk about this to Customer Service specialist is not relevant. And I told this to USBank on XXXX, to please send my topic to the XXXX XXXX but they did not do it. I need to tell the XXXX XXXX that, despite having one prior late fee reversal, I have a situation having been out of my control on XX/XX/XXXX because the Settlement Lawyer sent to my home mailbox the check very late, and I incurred a late fee, and I only request one more time this reversal from USBank. I figured it was a reasonable thing to do due to having posted evidence correspondence for USBank. I needed to be informed yes or no please.
Product: Credit card

I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. 
The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.
Product: Checking or savings account

On XX/XX/XXXX there were XXXX fraudulent charges that were pending on my account that I noticed because I was at my local grocery store trying to purchase some items at XXXX that evening. When my card decline my transaction I look on my cash app to see why it wasnt going through, upon looking I saw that I had XXXX different charges pending. So I reached out to cash app via through the app. I told the advocate that I did not make theses transactions because I live in NC and the transaction went through in CA that when I was told that I had to wait for the transactions to clear in order to do anything. Well it took about a day or XXXX to clear so on XXXX I called to dispute those charges, was told at that time I had to wait XXXX business days to get a response and it could take up to XXXX calendar days to resolve. This morning about XXXX I receive an email stating that they were denied due to there was no error done like they are valid charges. So I called and spoke with XXXX Rep who stated that I had to wait for a supervisor to reach me via email. Well that has never happened. I were able to finally get a supervisor XXXX on the app which was that they could not overturn the decision and I need to reach back out to the merchant. I have requested multiple times for a transaction or order number so that I can give to the XXXX, and XXXX. I have been going back and fourth with cash app support and they customer service department and still XXXXm being told Im out of about XXXX $
Product: Debt collection

Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference.
Product: Checking or savings account

I wrote a check XX/XX/XXXX, # XXXX to XXXX for {$110.00} which cleared my bank XX/XX/XXXX. XXXX ran the check 3 times. As a result I was denied a purchase at XXXX several days later as Certegy Check Services stated I had negative information on file for prior unpaid checks. I called them to find out what it was about. They said check # XXXX to XXXX had not cleared. I told them it had cleared my account. They wanted proof from my bank. I went to XXXX XXXX XXXX XXXX XXXX and had the Asst. Branch Manager fax a letter to Certegy stating the check in question had cleared on XX/XX/XXXXand  my acct. was in good standing. They still would not remove the negative info from my file stating that it would take weeks for an investigation. I asked how am I suppose to purchase food and medicine and they advised me to go the bank and get cash as checks would be denied. So, after calling Certegy many times over the next 6-7 weeks to check the status, I finally received a letter showing all the checks I had written the past two years, and none bouncing, but showed the 3 attempts of XXXX running my one check. The letter also stated that the matter was " resolved and this means that it will will not cause denial of check writing privileges. '' I have been using a new debit card since this mishap started as I was afraid of being embarrassed again at a register trying to make a purchase. Today I didn't have my debit card so tried to make a purchase with my check. I was denied again. Came home and called Certegy and was told I am a risk by first agent. The second agent said it was cause I hadn't written checks for a while, which they told me to use cash. Then I was told in might have been the amount of the check ... {$70.00}. Funny as the same place previously took a check for {$69.00} before all this happened ... I did nothing wrong. XXXX had trouble with their register and kept running my check ... Now I am paying the price. I want my account cleared!
Product: Credit card or prepaid card

My card was closed due to inactivity ; however, I use this card as an emergency backup in case I need it for dire emergencies. I called Capital One and I was told that there is nothing that can be done to reopen this card. This specific card is also my card with the longest open credit history and my credit has taken a hit due to this card being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has me reported for a bankruptcy. 

They are required to confirm it IS me and confirm my complete SS number ( not just some of my ss #. Many, Many others have my parts of my ss #. 

Transunion is REQUIRED to confirm it is me with my FULL SS #. 

I would also like to know who they claim is reporting this to them. I contacted the bankruptcy court and have been informed that the court does not report or provide information to credit bureaus or agencies. In my letter I have blocked some of the letter ( I.e clerk 's name, non important sentences ). 

I have been working on this for almost 18 months!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This upgrade loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). Upgrade has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX, FL XXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Product: Credit reporting, credit repair services, 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written 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 Anv other adverse item of intormation. 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: Mortgage

I am appalled with Freedom Mortgage and the lack of communication along with disclosure for a recent loan refinancing at my property at XXXX XXXX XXXX XXXX. I spoke to XXXX XXXX ( Salesperson and Agent ) at Freedom Mortgage with an interest of a refi on a VA loan wherein I was to keep my place in the term of the loan, but reduce my interest rate from 3.25 % to 2.37 % which I agreed to. I signed a closing disclosure during the course of the contract presentation showing that my costs were to be {$3900.00}. I accepted that bi-lateral contract and electronically signed the document for closing. I was contacted later to set up a closing date which I accepted to be XX/XX/2020. 

The notary brought the necessary documents to my home on XX/XX/2020 for signatures and authentication. When he got to the Closing Disclosure, I noted that there was a stark contrast in the closing costs. My original agreed upon closing cost was {$3900.00}, but the document presented was {$6800.00}. 

I want to be made whole for the time that I took to go through this engagement which my wife took off from work. I also want to go on record that Freedom Mortgage unilaterally changed my closing cost without any disclosure to me or any amended offer. I feel like the tactic is a 'Bait and Switch ' wherein I was induced into accepting one thing and delivered another. The final cost was a difference of {$2900.00} I want to put this out there for all to see because I have been a long standing customer in good faith who pays my bills on time, and I am a veteran who accepted to defend our constitution. 

I want Freedom Mortgage to extend to me some complimentary offer monetary or something of extreme value to make this right. 

I may be left no choice but to give this over to a Real Estate Attorney or the Attorney General 's Office to let them know about this type of practice.
Product: Prepaid card

We were anonymously given a {$500.00} Vanilla Visa gift card on XX/XX/23 when my husband was laid off. It was left at our church ( currently trying to track down WHO it was to see if they retained the receipt ).

When I opened the factory sealed envelope, 3 of the 16 digit numbers were scratched off. I tried using the card in person at a store and the card reader wouldn't even read it. 

I called the customer service number on the back on XX/XX/23 and after finally getting through to a real human being they asked for the serial number on the back, which I provided. Then the gentlemen informed me their system was down and he couldn't help me. He said when I called back, I needed to provide the receipt ( which I obviously don't have ) and a photocopy of the front and back of my ID. I told him I don't feel comfortable giving them my ID ( and thought to myself it sounds like a scam ) and didn't understand why they needed that. The card wasn't linked to me in any way since I didn't purchase it. 

After hanging up I did some online research only to discover this has happened to thousands of other people with this Vanilla Visa card. As I stated before, the gift card was factory sealed! So this must be an inside job? I know that sounds crazy but how else would someone be able to scratch of the numbers?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, 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 A Acct without my written instructions. 


Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX NA XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit via XXXX and Equifax. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Product: Debt collection

My check began to be garnished in XXXX and the amount was paid off in full in XXXX. I contacted my lawyer about not receiving the letter I needed to provide to my HR to stop garnishing my check. The lawyer spoke with them and said they sent it to the wrong address. I called and spoke with someone at PORTFOLIO RECOVERY ASSOCIATES , LLC, and they informed me that they already had my current address before my lawyer called them to correct my address and was sure why they sent it to the wrong address. I still haven't received the letter for the PORTFOLIO RECOVERY ASSOCIATES , LLC,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00}
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is a major source of concern for me. Its impact on my credit has been substantial, already resulting in a rejected loan application and higher interest rates on my current credit accounts. This negative rating has caused, and continues to cause, significant financial hardship and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian requests to dispute issues with my credit. They have responded that the letter is not written by me or unauthorized by myself. They are refusing to take the necessary actions that I have requested in my dispute letters several times. I do not appreciate that they are not taking my requests seriously for XXXX XXXX disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

a letter was sent out XX/XX/XXXX asking that all previous address be deleted. employment history be deleted because i don't work .also, change address to the current address and correct birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with TransUnion and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Product: Credit card

Received hard inquiry notification from XXXX XXXX ( hard inquiry was made through XXXX and XXXX ) about someone trying to open a card with Capital One. I never tried to open a card with Capital One. When signing up with XXXX and XXXX, I found a phone number that was attached to my account that I have never seen before. The phone number was XXXX. This is not my number.