23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Product: Credit card

Regarding a fraudulent Capital One credit card account that I have been fighting since XXXX, 2015. I sent Capital One a notarized ID theft affidavit back around XX/XX/XXXX/XX/XX/XXXX. They claim that it 's my responsibility when I did not authorize anyone to open the account. However, I am suspecting it is a family member who did reside at my home from the time the account was opened and then used. Unfortunately, I am unable to contact this relative, nor have any of my family members had such luck. Yes, he did reside at my home, yes he did have access to my personal items such as cellphone, computer and filing cabinet, and it would not be his first time committing fraud. Capital One has failed to recognize this instance, in a time that we are living where ID Theft is astronomical in crimes committed. I also want to add that I have fought this account with the credit agencies and had it removed, however, Capital One has gone ahead and reposted this account. I am willing to fight this fraudulent account to the end, and will pursue legal matters against Capital One until my name is cleared. Finding and prosecuting my relative is a bit more trying. The account number is XXXX. I am going to file another complaint with the XXXX as well as the FTC and Virginia State Attorney.
Product: Mortgage

I called Mr. Cooper, my loan servicer on my mortgage loan, regarding dropping my mortgage insurance the week of XX/XX/XXXX. I was told by their representative ( they record their conversations ) that if I waited until I hit the two year mark then I would not need to disclose all the substantial improvements we have made to the home. We have spent approximately {$60000.00} on two new bathrooms, new floors, fixtures, countertops, etc. Rather than dig out all my old banking records she encouraged me that the process would be easier in two weeks. I called Mr. Cooper today, two years and one day from my original mortgage note of XX/XX/XXXX and was told now that I am one day over the two year mark, I now have to obtain 65 % loan to value instead of 80 % I would have needed two weeks ago. Now they are telling me that there is nothing they can do as these are XXXX XXXX regulations. Had I not called my loan servicer and been misled I would agree with them. However, I called them looking to obtain their process to drop my mortgage insurance and was told since I was under 2 years I would need to provide all of the information regarding all the improvements but if I just waited two weeks then this wouldn't be necessary. Their answer was misleading they should have finished with " but be aware if you wait you will now be required to get to 65 % instead of 80 % ''. My mortgage insurance is {$150.00} per month. Their misleading information and encouragement to wait ( I'm guessing the individual I spoke with didn't want to take the time to go over my improvements ) will cost me an extra {$9900.00} over the next 5 years which is when you get to the next loan to value tier. I asked to speak to a supervisor and they claim she will call me but nothing we can do except to say we are sorry their representative didn't give me the correct information. In other words, it's okay to lie or just say you are sorry that their representative gave me misleading information but it's XXXX XXXX rules nothing they can do now. Unethical and unfair to me as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

For the last 2 weeks I get a call daily! All voicemails say that a payment if {$120.00} is due by the end of XXXX so I have it in my budget to pay at the end of XXXX. They keep leaving voicemails that they need to hear from me. They dont need to hear from me since they are giving me until XX/XX/XXXX to make a payment. Now. If XX/XX/XXXX had already passed and still no payment, then the daily calls and voicemails DEMANDING me to call would be justified. 
My voicemail said {$120.00} I get a letter from them today XXXX stating I have 5 days from the date of the letter to get my account correct. Ok, thats not what your voicemail is telling me!!! 
Also, they call my work phone and I am not going to pick that call up. They also call from an XXXX XXXX number when they call to leave the voicemails, not the phone number for Signature Loans on XXXX, so thats really shady!!! 
They need to be asked to call from their business phone and if a voicemail says one thing, leave it alone until that date comes up!!! XXXX is the staff that Im referring to. This store is Signature Loans on XXXX in XXXX  XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX
Product: Debt collection

my business closed the merchant account with the XXXX XXXX  XXXX at the end of XX/XX/2019, and they said they'd send the email for return merchant card machine to my email. But I didn't received it at all after 3 weeks, so I called them back XX/XX/2019 and they sent the information, it was sent to the junk/scam email box. I sent the machine out XX/XX/2019 and was delivered on XX/XX/2019 at the XXXX office as they required. yesterday XX/XX/2019 I was called so many times by debt collection company CFM ( Capstone Financial management, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) for asking to pay the charges over {$2000.00} for not return the merchant credit card machine to XXXX XXXX XXXX ( XXXX ) firm. The CFM and XXXX didn't send me any notification letters about the debt and not receive the machine for 4 months from the date I closed my account with XXXX and sent the machine back to the XXXX. The Capstone Financial firm did illegal/fraud action when calling my store to ask money as I know the debt collection firm will always send the notification letters details about the debt collection, reasons, company information, .etc.. .They waited for long time so they could try to scam to get money from me cause they know it's hard to track the shipping and with the USPS ( just 120 days for tracking records ). I received the email from Total merchant on XX/XX/2019 for information of return machine, and this email was sent to the scam/junk email ( I didn't know what wrong with the XXXX firm, like scam firm ), i had to move that email to my normal email box. I had all records for shipping sent out on XX/XX/2019 and the package was delivered at XXXX office on XX/XX/2019. Please help me to investigate and audit these 3 businesses ( XXXX XXXX XXXX XXXX, Capstone Financial management XXXX, XXXX XXXX XXXX XXXX ) and please Help me solve this issue, give back the right for me and my business 's reputation as my business didn't owe any money or equipment to these companies. And keep these companies away from trying to scam money from more people, more businesses.
Product: Checking or savings account

Opened account with Marcus Goldman Sachs and deposited {$17000.00} {$10000.00} from XXXX and {$7000.00} from XXXX XXXX XXXXXXXX ( 3-5 months ago ) I tried to deposit another amount into the XXXX  but they locked my account since the transfer was rejected and then they locked and closed the account afterwards.I 've been in contact with them the past couple of months calling about the reason for why they closed my account and then trying to receieve the money back into the funding accounts but they would not help at all and just said to have my bank to resolve the issue.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. HYUNDAI FINC
Product: Checking or savings account

I filed a fraud claim on XX/XX/XXXX that was denied in XX/XX/XXXX for no good valid reason. 



My car was stolen from my parking garage at XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX I wan na say between XXXX and XXXX Im not certain the exact time because I was sleep and unfortunately my building has no cameras in the parking garage. 


My XXXX was also stolen to. 

my purse was in the car with all my personal information and belongings in it including my wallet with my debit cards and credit cards. 

The pin that Us bank mailed out to me was left inside of my vehicle in the dashboard thats how the suspects were able to get my pin. 

And It took the police XXXX hours to come to my house. 

My phone was left in the car. 

I had cash app on my phone with my us bank card linked to it so they were able to send themselves money repeatedly. 

I was just calling in to make sure they marked down all of the right transactions also I had a police report number. 

It was XXXX cash app transactions for XXXX $ each And it was XXXX ATM withdrawals for XXXX $ each. 

This all happened between XX/XX/XXXX - XX/XX/XXXX I have provided a police report and I provided a detectives phone number. 

Also my card was used at the ATM why wasnt the ATM cameras checked? 

I sent a picture of my ID so please check the ATM cameras I am a female that is paraplegic please check the ATM cameras its impossible for me to do these transactions that they are claiming I authorized. 

My claim was denied without good reasoning and I would like it reopened with a different case processor working on it because this feels illegal how my money was stolen and my bank cant even compensate me despite the evidence I have. 

XXXX a XXXX XXXX so I work from home and I have people that XXXX me money for their taxes Despite me providing all of this my claim was still denied and the only thing they said was we were able to determine the transactions was authorized really thats all? 

did they even check the ATM cameras? 

did they contact the detective on the case? 

This was improperly investigated. 

The XXXX processor was also rude on the phone with me and made me feel uncomfortable didnt provide any updates. 

The XXXX processor called me XXXX time in XXXX weeks and I called back over XXXX times after with no answer. 

Only time I spoke with the case processor she told me that she wasnt working the case which confused me then she had an attitude this is biased and I feel violated by my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing to dispute the following information in my file. 
This item is not my account XXXX # XXXX Amount {$3500.00} placed on collections Date XX/XX/XXXX. I am requesting that this item be removed Please investigate this matter and delete the disputed item [ s ] as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Amount {$5000.00} Date Opened XX/XX/XXXX I am requesting that this item be removed Please investigate this matter and delete the disputed item [ s ] as soon as possible.
Product: Student loan

On XX/XX/year>, I submitted an application for PSLF with Mohela. My payment tracker indicated I had XXXX payments that counted towards PSLF, and another XXXX that were eligible but just needed employment verification. I applied for forgiveness and requested that my loans be put under forbearance during review of my PSLF application. My loans did not get put under forbearance. I called MOHELA in XXXX and asked for my loans to be put under forbearance while my PSLF application was being reviewed. They said they would manually put my loans under forbearance. It did not happen, so I messaged them through MOHELAs website on XX/XX/year> and asked for my loans to be put under forbearance because my PSLF application was still being reviewed. I received no response in this regard. MOHELA messaged me later that day and said that my PSLF application was denied because the dates were transposed, which was incorrect. I responded to them that the dates were correct, but did not receive a response. Several days later ( XX/XX/year> ), MOHELA messaged me that my PSLF application was denied because my employers signature wasnt valid. I resubmitted a PSLF application the next day ( XX/XX/year> ), and again requested forebearance while the application was being reviewed. They still have not put my account in forebearance while the PSLF application is being reviewed. Instead, they sent me a missed payment notice on XX/XX/year>. I believe that I am eligible for forgiveness under PSLF according to their payment tracker as I have 22 months of eligible payments that require employment certification, and XXXX payments that already qualify for a total of XXXX payments. I would like for MOHELA to put my account in forbearance and review my PSLF application. Hopefully they will put my account in forbearance and forgive my loans.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items Need to Dispute : '' XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$11000.00}
Product: Credit card or prepaid card

Account : XXXX These purchases were not made by me. My account was restricted and I received poor customer service when my account was abruptly closed. I tried to explain that my credit card had not been used by me for the purchases listed below : XXXX XXXX {$570.00} XX/XX/2022 XXXX : {$100.00} XX/XX/2022 Not only did this go unnoticed but I also tried to pay this and yet capital one still closed my account. I have
Product: Debt collection

I do not owe this creator. This creditor did not provide an account number for me to dispute for that particular account for the amount of {$1100.00} And an amount of {$740.00} No account provided
Product: Credit reporting

I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : XXXX XXXX ( 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

On XX/XX/2020, I received a email letting me know that Capital One Bank USA had ran my credit without my permission, which in turn dropped my credit score. I would like for this information to be taken of my credit. 

I will definitely be in contact with Capital One tomorrow XX/XX/2020, to see why they ran my credit without my consent, and for what purpose.
Product: Credit reporting or other personal consumer reports

Complaint # : XXXX was closed without me ever being notified by email or otherwise by XXXX or the CFPB at any point in XXXX. To my knowledge, as of today XX/XX/XXXX - this information is still contained on my background report.
Product: Checking or savings account

Wells fargo wrongfully took my money accused me of actions I didn't do my account was compromised an someone made fraudulent deposits without my knowledge or consent my property was stolen at this same time as these transactions were made I want back what is mine I became homeless because of this matter I need my money back
Product: Debt collection

Td auto finance they know i only get social security and va on the car loan. I couldn't afford to pay it due to my husband 's passing they hired a lawyer to harress and said they would sue me. Got XXXX. XXXX XXXX XXXX i tired to be polite but novue was mean. I have done all they ask to show my low income but they still state they will sue me. I can not afford a lawyer have no car i turned it in when i can not afford it. They are bullies.
Product: Mortgage

I currently have a mortgage loan with a XXXX lien on the property. I got behind on XXXX loans. My house is now currently being rented by tenants and when I called to make my final payment on the house I was informed the home had been sold. Bank of America has not filed anything within XXXX County to indicate a foreclosure and I was never informed it was in foreclosure. I even went to the County Clerk 's office as well as checked online for any transfer of deed and found nothing but a Release. I owe less than {$5000.00} on both loans and the house is valued at around $ XXXX {$150000.00}. A XXXX XXXX called me on XXXX XXXX to inform me she would look into the matter and I have n't heard from her since. I 've left several phone calls with no answer. I am ready to payoff the house and Bank of America will not communicate with me. I have just been diagnosed with XXXX and do not have any recourse in pursuing litigation against them. I just want to pay off my house - both loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reports that I am over XXXX days late for my car payments to the credit bureaus I am not late at all. It is reducing my credit scores.
Product: Credit card or prepaid card

I had a XXXX XXXX rewards card issued from US Bank. Back at the end of XXXX, around the XXXX to about XX/XX/XXXX an old roommate had stolen my card number and gained access into an online banking for the card. He then made numerous transfers to other prepaid cards. The money was supposed to be for savings and it had about {$4900.00} on it. The card wasnt being used by me so I didnt notice the money was gone. I randomly one night wanted to check the balance and wasnt able to log in to my online banking so I called customer service at that point I learned my account was deactivated and the money had been stolen. I immediately notified law enforcement and through another unrelated incident, they were able to charge my old roommate with criminal charges. I fought for two weeks with customer service to even be allowed to file a dispute since the card was deactivated. I was finally allowed to and I sent them all the court documents and even a notarized statement from the defendant admitting to the crime. They responded the dispute was not in my favor. I then got a signed letter from the district attorney and with that they reopened the dispute. They had 90 days to resolve it. I called in and emailed their Financial Intelligence Unit at least every day for 4 months never had a answer I was always told that they escalated it and I would receive a response in 72 business hours, I recorded phone calls with them where they were caught in lies. They did not resolve it in 90 days its was almost 120 days and even with all the court paperwork and someone in jail for the crime they still said the dispute was not in my favor and I can not reopen the dispute. One of the transfers off my card they suspected was fraudulent and its froze on another account so they suspected fraud enough that they froze that transaction but yet come back and say they believe I authorized it. Both defendants have been released from jail by lawyer has contacted them and they personally have called customer service and told them everything and they still wont do anything or release the money they froze on a card. I have verified every single thing they wish me to verify and still will not help me and Im out {$4900.00} as of now.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Accounts name : XXXX  Number:XXXX