23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

MY CASH APP CARD GOT STOLEN ALONG WITH MY WALLET LICENSE AND CREDIT AND DEBIT CARDS THERE WAS TWO UNAUTHORIZED CHARGES ONE AT XXXX XXXX FOR XXXX ALONG WITH ANOTHER ONE AT A DIFFERENT LOCATION FOR XXXX APPARENTLY THE ONE AT XXXX XXXX THEY SAID A PIN WAS USED BUT THE OTHER PURCHASE DID HAVE A PIN USED THEY TOLD ME TO CONTACT THE MERCHANTS I DID FOLLOWING ME FILLING THE DISPUTES XXXX XXXX BASICALLY TOLD ME TO BAD TO SAD CONTACT CASH APP I EXPLAINED I HAD JUST GOTTEN OFF THE PHONE WITH CASH APP FAST FORWARD TO YESTERDAY THEY DENIED MY DISPUT AND SAID IT WAS ME MAKING THE PURCHASE OR SOMEONE I MUST KNOW ARE YOU KIDDING ME THIS COMPANY IS RIDICULOUS I FILED A POLICE REPORT I WANT AN APOLOGY AND MY MONEY RETURNED AND COMPENSATED FOR THEM MAKING ME FEEL LIKE I AM A CRIMINAL THEY HAVE NO COMPASSION FOR ANYTHING BUT THEM
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, 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: Credit card or prepaid card

Capital One denied my credit card application based on an inaccurate credit score they claim was obtained from XXXX. Their denial letter stated the score they obtained from XXXX  was a XXXX. 
I have a membership with XXXX  and as of XX/XX/XXXX my score was a XXXX, XXXX points higher than that listed on my denial letter! 
My scores with XXXX  was XXXX and XXXX  of XXXX. 
Capital One 's own XXXX  credit monitoring app states my current score of a XXXX based on XXXX  which matches exactly what my XXXX  membership reflects As of XXXX XXXX I had a credit card and an auto loan account open with Capital One with perfect payment history. I also have a current copy of my credit report that reflects this. 
On XX/XX/XXXX, I called the application department to inquire about the discrepancy in scoring and to see what model ( XXXX, XXXX ) Capital One used to obtain that score. The agent could not tell me what scoring model they used, nor could he put me in contact with a supervisor. He resubmitted and the second result also came back as a XXXX. 
I am certain my scores were misstated at the very least, and likely intentionally manipulated in a discriminatory manner in order to deny me access to credit by falsifying my score used to base their decision.
Product: Debt collection

XXXX purchased a Debt from Navy Federal say I owe them but the Statue Limitation is past due to collect on this debt
Product: Student loan

I have received a several calls from Navient and I answer and communicate with them whenever I am available to answer. I even return calls when I miss them. I have REPEATEDLY explained to them I am homeless and unable to obtain housing due to the my poor credit. After telling one representative this she responded well hopefully your luck gets better but we will proceed with default. I have tried getting payments postponed as my other loans are in financial hardship forbearance. Navients wants me to pay {$350.00} a month when I have no place to live. Yes I have a job, however when youre living out your car, you have to pay money for occasional hotels to shower or gym memberships to shower. Its ridiculous how they have no way of working with you with private loans. They even sent emails as if I wasnt responding or trying to avoid them when Ive continually communicated and never tried to avoid them. But I can not pay them funds I do not have. Yet I continue to suffer and not get housing because my loans go into default and negative credit reporting.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX ), Consumer Date of Birth : ( Private XXXX XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an Auto loan account Credit Card Accounts and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to to equifax on XX/XX/XXXX and have not gotten a response in the letter i was stating that the information they were reporting on my credit report is incorrect the name on my credit profile is incorrect the CORRECT and only name i go by is XXXX XXXX any other spelling of my name should be removed and deleted also eqiufax is reporting that my year of birth is XXXX this is completely WRONG, my correct Year of birth is XXXX Also there is an account reporting on my credit report from a companies named XXXXXXXX XXXX XXXXXXXX this account does not belong to me and needs to be deleted off my credit report, also any other address reporting on my credit report is inaccurate and needs to be removed the only accurate and up to date address that iam associated with is and should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Student loan

I have an Income Based Repayment plan for my loans. I was directed to re-certify my income in XXXX, which I did using the online system to connect my loan servicer directly to the IRS. I received no confirmation or other communication throughout the month of XXXX and XXXX until XX/XX/XXXX when {$1700.00} was pulled from my checking account ( my usual payment is {$130.00} ).  This draw will make it so that I can not pay my rent and may be evicted. This is the second time this has happened with Nelnet and Department of Education loans. How hard would it be to at least let someone know/confirm before drawing over 100x the usual payment? This shouldn't be allowed with auto-payment, it is predatory and in the end, if my problem is fixed and the payment refunded, or if I end up homeless and bankrupt it will only hurt the company that's not going to receive future payments and will have to pay their employees to spend hours with me on the phone trying to fix this. I went through a similar situation a few years ago that was ultimately resolved but a huge waste of my time and emotional well-being as well as the company 's time and money.
Product: Checking or savings account

I was offered the following bonus : Heres the full scoop on how to earn your {$400.00} bonus : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. 

I signed up through the promotional link. I called before I opened the account to ask what a qualified direct deposit was and if a direct deposit from another bank basically from myself would qualify. I was told before I opened the account yes that would qualify. And I called again after both {$1000.00} or more direct deposit ACH 's were completely posted to see if I met all the requirements. Capitalone even told me on the phone yesterday they have the recorded calls and notes on my account confirming my story and agreement that I was told this would qualify 6 days before the 60 days of signing up the account had ended. Yet yesterday I was told I didn't qualify because the direct deposits had to be from an external source like the government or a company like an employer. To me they are liable to honor this promotion to me because its in writing and recorded audio that I had met all the requirements. If not then to me this was a scam to promote new customers to create a new bank account which I did. And then also got a credit card with them which I payoff monthly. They've earned so much from my activity and transactions yet I'm being denied the promotional offer even after doing all of the due diligence and confirming it with two different representatives of Capitalone.
Product: Credit card

To date I have made {$5100.00} of payments on this account. Each time I pay the money is held unless funds and payments have been verified. 

XXXX a {$200.00} charge was kicked back. I was traveling and had a medical emergency multiple XXXX XXXX in XXXX, TX and in XXXX  With all of the medical copay costs adding up it created my first overdraft in years in in XXXX XXXX  account, thus a charge back. 

I am XXXX in XXXX and believe that Capital One Bank has profiled me or hot carded me. I have multiple accounts with this banks and only have problems with my XXXX XXXX. On my XXXX account my payments clear in seconds. As a sick person during the holiday season, my payments clearing and posting is vital to my heath and for providing a XXXX XXXX to my family and friends. Thanks for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my report that do not belong to me. 

XXXX. XXXX XXXXl XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. XXXXHD CBNA XX/XX/2020 XXXX. XXXX XXXX XX/XX/2020 THESE ITEMS ARE NOT ME OR ATTEMPTED BY ME AND UNDER FCRA WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT AND UPDATED
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.
Product: Money transfer, virtual currency, or money service

My information was stolen somehow and someone got into my account and managed to take money out of my linked bank account and I can not get it any remedy or response getting shirts substantial losses from that the amount of {$3200.00}
Product: Money transfer, virtual currency, or money service

I opened a personal account with XE to transfer money from my PNC Bank account to my business partners in XXXX XXXX. I received an email from an XE employee, ( XXXX ), who informed me that I needed a business account instead of a personal one to proceed with the money transfer. During this time, my funds were held by XE. 
However, while I was in the process of changing my account, XXXX went on vacation. The following day, a new person named XXXX ( XXXX ) joined the same email thread and introduced himself as my new account manager. 
This person exhibited persistent behavior by repeatedly requesting my personal details, including my account username and password. Additionally, they claimed to have reset my password and supplied me with a new one, implying that they had gained access to my account without requiring any personal information from me. 
In the end, there was an unauthorized transaction of my funds from my XE account in the total amount of XXXX USD. 
I attempted multiple times to gain information from XE, especially about the transfer itself, asking them repeatedly how did the transfer occur and why did they not stop it, where the money ended up and so forth, at which they kept telling me that they do not now how this happened and there is nothing they can do on their end. When I asked for call recordings I had with their customer support agents in order to use it as evidence, they promised to send them ''within a few days, but never did. 
XE has had a prior history of breaches of security and unauthorized transactions occurring. In XXXX, XE was hacked and the personal information of over XXXX XXXX customers was stolen. This included names, addresses, email addresses, and phone numbers. In XXXX, XE was again hacked and this time the hackers were able to steal customer passwords and credit card numbers. As a result of these breaches, XE has been fined by the XXXX XXXX XXXX XXXX XXXX XXXX ( ICO ). 
In addition to these breaches, XE customers have also been the victim of unauthorized transactions. In XXXX, XE was forced to refund {$1.00} XXXX to customers who had their accounts hacked and money stolen. In XXXX, XE was again forced to refund customers who had their accounts hacked and money stolen. 
Taking all of this into consideration, it would not surprise me if I was simply another victim of XE 's negligence and poor security.
Product: Debt collection

There were late fees associated with the move out XXXX XXXX, but we only received XXXX statement in in XXXX 2023. Our move out date was XX/XX/XXXX. I asked to drop the late fees because the first statement we received had about XXXX  month of late fees. 

They charged us for carpet replacement. However when we moved in there the carpet smelled at XXXX XXXX and we deep cleaned it ourselves and couldn't get the smell out. We complained about it to them and asked if they could replace the carpet since it smelled ( the had their own person walk in and verify the smell ). However they said that since they deep cleaned it themselves theres nothing they can do about it. We almost reported them to the XXXX and thats when they finally replaced our carpet. Upon move out we see that they are charging us for carpet replacement due to pet damage. We have a well behaved dog and never had an accident in the house and we don't have a cat. We asked to see how the vendor assessed carpet damage because we didn't see any but found it unusual that they didn't notice the XXXX XXXX smell from the occupants before and all they did was deep clean it. We only lived there for XXXX years. 

We hired cleaners to deep clean the whole place upon move out and we evaluated the place after they were done. The close out statement shows that they had cleaners come by to clean the place. We asked for an itemized list because we want to know what the cleaned since it was already deep cleaned. 

They charged us for paint and we never painted our walls. They also left our patio ceiling unfixed for over XXXX months and they just told us not to use our patio since it was dangerous. They never got around to fixing it while we were living there. We asked if we could have our rent reduced for the time being since there was part of our place that we couldn't occupy and they never responded. 

When we received our move out statement, I called and asked for the late fees to be dropped, the carpet vendor 's assessment, an itemized list from the cleaners, and we wanted to further discuss the other charges on there, along with other concerns that we had while we were living there that they never communicated with us about. They told me that they will look into it, and in the meantime we can hold off on paying the move out statement. 

On XXXX XXXX, 2023 my wife wrote them an email summarizing what we needed from them. She let them know that no one has reached out to us and would like a follow up with them. XXXX XXXX, 2023 she gets a reply back asking if anyone has followed up with us. She writes back " no '' and then gets an email back saying they will follow up. We haven't received a follow up since then. 

I did a second follow up call and they just kept saying that they will follow up and that they are busy. 

We never got any of the information we needed and they never followed up with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to you about my account. This credit card company XXXX XXXX XXXX is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my XXXX  report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on Experian report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
The auto loan was not XXXX days late in XX/XX/year>. This is not right because it was paid as agreed. Delete this late payment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Goodwill Adjustment on Account Dear Transunion, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX. 
I want to express my appreciation for your services, and I have always valued my relationship with your company. I understand the importance of maintaining a positive credit history, and I take my financial obligations seriously. 
Recently, I paid off my account in full on XXXX While I understand that the record of this account may remain on my credit report, I am kindly requesting that you consider removing the negative reporting associated with this account from my credit report with XXXX XXXX 
Thank you for considering my request. I hope for your understanding and support in this matter. I look forward to your positive response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I lost my home because  Ocwen Financial  lied to me about my low income home modification applications were denied and I had to fill out more the loan modification package 's more than  XXXX  times and the would tell me after I went and paid for faxing them They did n't get them or they could n't find the paperwork I sent them. I did this over and over and finally they said I was not approved. They started foreclosure on me and gave me only 3 month 's to vacate or said I had to pay them in full. They had  XXXX  payments paid ahead and I was n't behind in my payments. I get a letter from the Government that I had been approved for the loan modification for {$250.00} a month. I had to do a quick sell for just {$3000.00} for my home.  Ocwen  caused me so much stress and I went into deep  XXXX  and had a very bad nervous breakdown. I was in the  XXXX   XXXX   XXXX . I lost everything I had worked for my entire life because of Ocwen. The letter I received from the  XXXX  said I could get my home back but it was sold and rented out and destroyed by the renters. I have no money to sue Ocwen and I need help to get my money I lost from my home.