23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not know this company nor did I ever enter into a contract with them. Through researching them on this website, I see that I am not the only victim this company has tried to collect a false debt from. 
They have also done the same to my wife and at the time XXXX-year-old son who was still in XXXX XXXX, again they never heard of them nor did they sign any contract with this company. 

XX/XX/XXXX ( 5 yrs, 6 mos ) {$3300.00} CAPSTONE CREDIT & COLLEC   XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX
Product: Credit card

XX/XX/XXXX, made a request for a balance transfer of {$4300.00} from my Barclays Banana Republic credit to my checking account. On XXXX XXXX, XXXX, {$200.00} showed up in my checking account. I called Barclays and they said the rest was coming. On my XX/XX/XXXX statement it said that {$4100.00} was sent to a US Credit Card. I have called Barclays over a dozen times, have gotten claim # and finally on XX/XX/XXXX, Barclays sent me a letter stating that the {$4100.00} went to XXXXXXXX XXXX and to contact XXXXXXXX XXXX I did this and the only account I have with XXXX XXXX  is a debit card and XXXXXXXX XXXX discovered the error in the other account and wired the {$4100.00} back to Barclays. I visited they local XXXX XXXX on XXXX XXXX XXXX in XXXX, IL on XX/XX/XXXX and was on a conference call with Barclays representative, Lore around XXXX XXXX  XXXX. XXXX said that Barclays did not have any record of receiving the {$4100.00} back and XXXX rep could not give any more information because the XXXX credit card that received the {$4100.00} was not in my name. Barclays still says I owe them the {$4100.00} plus fees and this information is on my credit report. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander/ Chrysler Capital There was a joint loan taken out XX/XX/XXXX. 

This is account is to old to remain on my credit. 

The account was up to be taken off my credit XX/XX/XXXX. 

I filled for a dispute 11 times and it keep getting denied.
Product: Credit card

Self is committing fraud by reporting this account inaccurately. The credit application is the security that is being used not the federal reserve notes I submitted to Self. Self alleges that the account is being reported accurately but it is not. I can not be late on a consumer account that is supposed to be open ended. Furthermore the interest from the trading on the security generates profits for Self. Since the security is what is being used as collateral and Self terminated the account the security should be paid to me not Self. 
Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.

( a ) Except as otherwise provided in Section 5-113, unless a letter of credit provides that it is transferable, the right of a beneficiary to draw or otherwise demand performance under a letter of credit may not be transferred.

( b ) Even if a letter of credit provides that it is transferable, the issuer may refuse to recognize or carry out a transfer if : ( 1 ) the transfer would violate applicable law; or ( 2 ) the transferor or transferee has failed to comply with any requirement stated in the letter of credit or any other requirement relating to transfer imposed by the issuer which is within the standard practice referred to in Section 5-108 ( e ) or is otherwise reasonable under the circumstances.
Product: Credit reporting or other personal consumer reports

I have no affiliation with these inquiries or the creditors mentioned.
Product: Mortgage

My home loan was transferred to a new XXXX XXXX XXXX ( Newrez ) in XX/XX/year>. My monthly automatic payment carried over to Newrez and payments have been made on time for the duration of my time with this company. 

However, I am unable to edit or change the monthly payment amount. There is an issue with my online account where any payment details are locked and have a notice on my account that reads " This loan does not accept online payments. '' I have been in contact with Newrez for over a year and am no closer in fixing the issue. I have spoken with several agents, submitted IT tickets, e-mailed web support directly, and submitted physical main-in forms- all to gain access to my own account to adjust my payment about and the date the payment is drafted.
Product: Payday loan, title loan, personal loan, or advance loan

Citibank offered me loan it called Citi XXXX XXXX from my credit card. XXXX XXXX XXXX {$11000.00} Payment Plan 60 monthly payments of {$240.00} I took this loan in XXXX. I made payment on XXXX and this month ( XXXX ) before the due dates. I saw interest got charged on XX/XX/XXXX {$100.00} and XX/XX/XXXX {$100.00} I called Citibank i told XXXX this issue She told me every month will be charged interest extra. I told her already 60 months paying {$240.00} interest included inside this payment. I took a lot of loans before from different companies I never see anything like this. I want CFPB to investigate and check this loan account and I want bank to not charging me extra interest charges other than my monthly payment. I took screenshots too of plan and those interest charges. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been experiencing while trying to correct late open accounts with XXXX and Transunion Credit Bureaus. 

Over the past few months, I have made several attempts to rectify the late open accounts that have been incorrectly reported in my name. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the late open accounts on my credit report and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The late open accounts on my credit report are adversely affecting my financial and personal well-being. 

I kindly request the following : Immediate action to correct the late open accounts on my credit report. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of the late open accounts. 
Compensation for any financial losses or damages incurred as a result of these late open accounts. Please assist me to correct the accounts in my credit file : XXXX DEPARTMENT XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00} ; XXXX DEPARTMENT XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00}.
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


XXXX report XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX report XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XXXX XXXX XXXX XXXX Ohio XXXX ph no. ( XXXX ) XXXX to respond to new vehicle options. Once there I decided that I would wait and not inquire on my credit for loan purposes. I was told my documents had to be shredded and I couldnt shred them myself. I requested the documents to keep them from running my credit. This morning I received an alert dated for the same day of my visit from one of their auto financing services XXXX Capital One XXXX XXXX ) options. I had updated my phone number and email address, as well as, verified my personal information, however ; I decided against the hard inquiry on my credit report based on our communication of my not being eligible for a trade in option. I was told my car loan with my current finance office was to recent, one year so I opted out of the communications and was denied access to shred my own documents. At that point I left and apparently the service agent ran my credit report anyway, which came as a hard inquiry that was unauthorized by me.
Product: Checking or savings account

On XXXX XXXX, my money from my account was stolen without my approval and from someone I don't know. It was done on the XXXX app on XXXX XXXX when I was trying to send money to a friend XXXX XXXX. Someone attached themselves to my account that i do not know and got into my bank details and stole {$890.00} from me!! It was done quickly without my authorization. I do not know what the money was used for as I did not get what was used for. 

I talked to XXXX after it happened and they told me this XXXX XXXX XXXX has done it before and they were banning him from XXXX. They told me I should get the money back from my bank. 

I talked to Citi bank about the details and they froze my card to immediately send me another one. They returned the {$890.00} to my account. They sent me paperwork to sign claiming that I have no knowledge of XXXX XXXX. I signed and returned the paperwork quickly. After a few months- they sent a letter at the beginning of XXXX saying they sided with XXXX and wanted me to pay back the {$890.00} which they took out of my account today. My dispute # is XXXX. 

I do not own a car and live in poverty. I teach piano from my home and online. I have not had a car for 10 years. I use XXXX to get to my appointments. I can not pay it back and don't think it is fair when I have done nothing wrong. I was ROBBED TWICE BY BOTH CITI AND REMITLY. THIS PERSON XXXX XXXX STOLE MONEY AND GOT AWAY WITH IT!!!
Product: Student loan

Hello, I have been having constant problems with Navient and my " Private Loans '' for the last 7 years. I have been badgered and harassed by this company and when i explain to the people calling that I cant afford the payments they want they just say that they cant help me. I basically am in financial ruin because these loans have tanked my credit so bad that it is hard for me to provide for me, my wife, and XXXX kids. 

I have taken care of my federal loans and they are with XXXX  XXXX servicing, but they have two of my loans that are Private loans. And you are XXXX  me over!! 

I know there are plans out there for help in payments, but I was never offered any options, except for a laugh in the face and saying that there was nothing they can do and saying I was refusing to make a payment ... .. " A LIE!!! '' If they really did recorded the phone calls they would have all the conversations of me saying that I needed help and couldn't afford to make their payments. 
I thought I had a grasp on things last year but it just cam to my knowledge that it wasn't. I need this fixed yesterday. 

I want answers, I want fixes, I want things to be reported like they should be on my credit report now. I am so done. I will stand up and fight because I am done being pushed around by everyone that I have talked to from this company ...
Product: Credit reporting or other personal consumer reports

Sworn Statement Regarding Debt Collection by XXXX XXXX XXXX I, XXXX XXXX, state the following : XXXX XXXX XXXX has been trying to collect a debt on a credit card account originally with XXXX XXXX XXXX XXXX. This account was opened due to identity theft. They wrongfully placed a collection on my credit report, even after speaking with me and confirming that I am not the owner of the account and had no knowledge of it. I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which offers protection to victims of identity theft, and Section 623, which outlines the duties of those who furnish information to credit reporting agencies. 

Additionally, I have never signed any contracts or conducted any business with this debt collector, so they have no legitimate reason to possess or use my personal information. 

I am requesting that this incorrect and damaging collection be removed from my credit report immediately. 

I swear under penalty of perjury that the information provided in this statement is true and accurate to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, XXXX and Equifax ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and XXXX ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, Equifax Inc. has violated my consumer rights by reporting a XXXX  XXXX XXXX. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Product: Debt collection

This company has accused me for 19 years of owing fines related to a motor vehicle infraction. I have paid the debt and my driver 's license is clear and valid. I have requested proof that the debt is outstanding and the company never provided any proof whatsoever. They continue to send letters claiming money is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit card

Hello, I have owned XXXX rewards credit card for the last 4 months. For some unexplained reason, they decided to put ahold on my one time payment of XXXX dollars on XX/XX/XXXX thats lasted for 14 days before it was reflected on my credit line. They did the same with the payments in the amount of XXXX dollars done on XX/XX/XXXX and XX/XX/XXXX. I have reached out to the company on multiple occasions and they were unable to provide me with a clear explanation on why that was happening and when this policy would end. I have received no prior notification from them either that my payments would be placed on hold either
Product: Credit card or prepaid card

I received a Bank of America credit card in XX/XX/XXXX that I did not authorize. 

When I received the new card, I thought it was a replacement card for my only credit card opened with them. I do not activate cards until I need them, so I placed the envelope with the card in my desk drawer. 

In XX/XX/XXXX, I received a letter from Bank of America stating that if I did not use my credit card it would be closed due to inactivity. Since I thought this was my original credit card, which holds my oldest line of credit, I went to pull it out of the desk to activate it. 

When I pulled it out, I also looked at the original card. I realized that the two cards did not have the same numbers and that the expiration date for my original card had not even passed. Bank of America opened a credit card in my name without my permission, expecting me to activate it and use it. 

There have not been any other cards opened in my name without my permission or other identity theft issues in my credit report. 

I have tried calling Bank of America three different times to resolve or help clarify how this card was opened. I have asked repeatedly for the information regarding the opening of this account ( what signature they did have, what social was used, what address was listed on the application, what ip address did this credit inquiry come from ). Instead, I am constantly redirected between Credit Card services and Fraud over the telephone. 

I traveled 10 hours to visit a brick and mortar Bank of America to see if they could help resolve this issue. Instead, they just dialed the customer service hotline from their landline and let me volley between Credit Card services and Fraud again. 

Nothing has been resolved.