23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I lost my credit card issued by Barclay Priceline with number ending in XXXX on XX/XX/XXXX and immediately reported to the company on XX/XX/XXXX. The company closed my old card, removed the 3 fraudulent transactions and issued me a new card in mail. 

In XXXX, those 3 fraudulent transactions were reposted on my account and I called around XX/XX/XXXX to inquire. One representative told me the fraud case had not been carried over to the new card, so she issued me a new card again. After waiting for a week, I received the new card in mail, but the 3 fraudulent transactions still remain on my new card. 
So I called the merchant again on XX/XX/year>. Then I found out that they closed the investigation claiming that one of the unauthorized transaction was with the same merchant I done business before, so the company concluded the fraudulent transaction is valid and require me to pay. 

I attached the XXXX statement with those three reposted fraudulent transactions, more information is available if needed.
Product: Debt collection

I received a call from someone who represented themselves as an agent on behalf of XXXX XXXX, for an amount owed {$85.00}, i called back and made the payments. 

I did my attempts to XXXX and contact Eastern account systems to get an understanding of that this charge was, i was placed on extended holds that exceeded XXXX minutes. that is when i decided to contact XXXX XXXX as i was on the understanding my account was compromised. 

In XXXX i saw a charge on my credit card from EASTERN ACCOUNT SYSTEMS, that did not register, i therefore proceeded to dispute the charge, closed my credit card and received a new card. 

In XXXX, Eastern account systems placed a collection item on my credit report, when i called they mentioned that they are a collection agency I was succesfully able to reach and contact and talk to a live agent on XX/XX/2025, my first communication with an agent was very abrupt, i asked to speak to the supervisor, she laughed and said supervisor is nt available and will contact me in XXXX. this frustrated me, i asked to speak to someone else and she said good bye and hang up. 
I called again and after another XXXX minutes of wait i talked to the agent, explained and made full payment. 
My concerns : Prior to forwarding to collections, XXXX XXXX never made attempts to notify me of outstanding balance despite of me giving a forwarding address to my previous apartment. 

When i received a phone call from Eastern accounts, the agent didnt mention Eastern accounts, i was informed its a collection on behalf of XXXX XXXXXXXX XXXX hence me not having a full corelation of the charge when it appeared on my credit card. 
As a debtor, i should have easy access to make a phone call and talk to the agent without extended extra ordinary wait which hinders my ability to make the payment or have an understanding of the amount owed. 

Eastern accounts bully clients by placing collections on their credit reports without proper communication to the clients. If indeed the have fair practices it should not be a hustle and their agents should be detailed enough to make consumers aware.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was shocked to discover an account that I have no knowledge of and did not open. The account is listed under my name and I have no connection to it whatsoever. After further investigation, it became clear that this is not my credit account and someone has opened it using my personal information without my consent. I have no idea who could have done this and it is concerning that my identity may have been stolen. I will be taking immediate steps to report this fraudulent account and protect my credit and personal information. It is unfortunate that I am now faced with the repercussions of someone else 's actions and I will do everything in my power to rectify this situation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX .

Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Debt collection

I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from XXXX stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for Jefferson Capital, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with XXXX. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). XXXX account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX XXXX. I have many more emails that I can forward. I would need an email address though.
Product: Debt collection

I get a phone call from representative that identified him self as XXXX XXXX   XXXX XXXX XXXX from California.Trying to collect a debit the amount of $ XXXXon behalf of IRS Debit tax collection he threat on me that if i do not agree to pay the whole amount i will get arrested or he offer me a deal to pay on spot with credit or debit card {$520.00} and it will delete te debt and case where close.I tell him that i go ahead an call 991 he told me that dint worry Sheriff Department are on there way to arrest me if i do not agree the deal.i hung up and block that nr and they call me after 10 min with different nr. Next day i contact my tax prepare to see if anything wrong and he did not find so.I log in to my IRS account nothing wrong i call IRS my self nothing wrong they suggest me to notified my lawyer and take this case over and they go ahead and open Internal investigation on this case. XXXX XXXX XXXX XXXX XXXX they not have a power to collect any debt against any USA Citizen on behalf of IRS, I do not own any XXXX to IRS, even i should own anything they tell me they will resolved on there own deducting those money from tax file and not report any debt to any attorney office
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You,
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX,
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. It is impossible to get in contact with PayPal as they do not pickup their phones or answer emails. I was running my business without incidence when PayPal decided to shut down my account. I received a payment of {$16000.00} at one point, and I called PayPal because they would not let me withdraw. After the customer service agent accused me of selling drugs and engaging in illegal transactions ( I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), he ultimately allowed me access to my funds, but continued with shutting down my account. Clearly, as I have stated on the phone, I only sell LEGAL merchandise and am legally licensed to sell in the state of Michigan. I've also filed a complaint with the XXXX XXXX XXXX quite some time ago and have not heard back from PayPal. The email address associated with my PayPal account is XXXX XXXX
Product: Student loan

NAVIENT LAWSUIT- We believe we are qualified for the Navient Student loan lawsuit, and we never received notification. We looked up the requirements and we have them : -We had loans during and after XXXX  -We were told to put our loans in deferment-and they were -We missed more than 7 consecutive months of payments during this time Please help! We still cant pay these loans due to all the promises that were made to us
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/2021, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Around XX/XX/XXXX I called Comenity bank to dispute a charge I made on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX for {$1000.00}. Today, XX/XX/XXXX, upon logging in to make a payment and that the {$1000.00} plus interest has been put back onto my card. I had not received any forms of communication from Comenity saying this dispute had been 'resolved ', not did Comenity make any attempts to collect evidence from me about this dispute. I called customer service to inquire about this dispute and was told that XXXX XXXX XXXX XXXX informed Comenity that they have contacted me in regards of my dispute. THIS IS A LIE. XXXX XXXX XXXX XXXX has made ZERO attempt to contact me. When I informed Comenity that they had been lied to, and have based their decision off of false information they said their decision was final. I asked to speak to the resolution department, or the dispute department to make a complaint and I was told I couldn't. They informed me I could only send a printed letter to them. I made all efforts I could on the phone to informed them that XXXX XXXX XXXX XXXX NEVER contacted me. I have attached evidence showing the correspondence between XXXX XXXX XXXX XXXX and myself. On XX/XX/XXXX they requested information detailing what was wrong with the item and pictures. I sent what they requested and then I HAVE NEVER HEARD FROM THEM AGAIN. As you can see via the email document I have attached AND a screenshot from XXXX XXXX XXXX XXXX own resolution center where it shows that NO ONE has responded to me IN ANY WAY SHAPE OR FORM. Hence PROVING this company lied to Comenity, and Comenity has based their decision off of FALSE INFORMATION. This decision of the this dispute should be reversed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX, XXXX XXXX. I demand the removal of the following inquiries : 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

Equifax ; XXXX and XXXX are reporting incorrectly medical collections partial account numbers XXXX. Please see pages 18 and 19 of the attached credit report. I have exceptional medical insurance and all medical expenses are covered. There are no outstanding medical bills that I owe. This is clearly a billing error on the part of the medical facility that is reporting these collections. Please see attached copies of my health insurance information. This inaccurate reporting is harming my credit score and these collection line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with 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  {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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: Mortgage

Dear Sir/Madam : We are now facing foreclosure process from our home mortgage lender as of XX/XX/2015. Our home equity loan with " OCWEN '' has matured as of XX/XX/XXXX, and full-payment of $ XXXX is now due. I was only notified by Ocwen over a phone call, after the maturity date. No monthly statements was sent to us prior to the maturity date, ( see exhibit # XXXX : of last mail received to the correct address ). Ocwen said, it was because we did not give them the correct mailing address. During that time, I was told I could ask for a modification on our loan. So immediately I had provided full supporting documents & applications to Ocwen. It took Ocwen about 1 1/2 month later, on XX/XX/2015, just to deny our application. The reason for denying, is that the loan has already matured. But why would they have me go through this process, when they knew it will not get approved. But during this period of time, I was also working diligently with a mortgage financing company to get a 30 years fixed loan approval and pay of Ocwen. But we encounter an error on our credit report, that must be addressed prior to getting the loan approved. Now we are waiting for it to get updated on the XXXX credit bureaus. 

While I was getting a new credit report, I discovered that Ocwen had already submitted to our credit reporting that we were late on our payment. Technically we are still making payments to Ocwen, but they returned 2 of our last monthly payments. It 's not late, we did not miss any periods, the loan is matured. 

The new lending now tells me that there is nothing they can do to get us approved, and no other banks will approve us neither, due to this late payment reporting. we can not even sell our property, because Ocwen will put a lean on our title. Now we are faced with losing our home. 

I have faxed Ocwen to ask for postponement of the late reporting just so we can get approved, but I have very little confidence Ocwen will help. I suspect they just want to take our house. 

Please help us, we are desperate for help. We have never missed a payment.
Product: Mortgage

A letter dated XXXX, XXXX XXXX, indicated that our buyer 's loan was denied because our property was deemed unserviceable through a loan backed by XXXX XXXX. The lender stated that based on documents received from the NJ XXXX Zoning Commission, the property could not be rebuilt to its current footprint if substantially destroyed. We suspected an error was made, as our loan on the property is currently serviced by Fannie Mae. 
We therefore consulted with the NJ XXXX Zoning Commission and obtained additional documentation indicating that the under-writer was incorrect ; a use variance granted when the property was originally zoned in 1985 made the issue around rebuilding not applicable to our residence. We received this information in writing from the NJ XXXX Zoning Commission on XXXX XXXX, which the buyer used as a basis for challenging the decline of the loan. 
A week later, we learned that the under-writer was seeking additional information from the Building Department of the XXXX of XXXX to indicate that the property could be rebuilt to its current density if substantially destroyed. Upon our request, the Mayor of XXXX, as well as XXXX XXXX ( Head of the Department ), consulted with the NJ XXXX Zoning Commission, and the Commission wrote an additional letter explicitly stating that the property is under its jurisdiction and that the property can be rebuilt to its current density if completely destroyed. This letter was forwarded to the under-writer on Friday, XXXX XXXX. 
On Monday, XXXX XXXX, we obtained an email from the under-writer, stating that the condo is still " not warrantable ... per the investor guidelines '' and that decision to decline remains. Our complaint is that we provided the exact documentation that the lender sought -- an explicit statement from the zoning authority that the condo could be rebuilt to its current density if substantially destroyed. The underwriter refuses to overturn the decision -- even with this additional documentation and without any explanation as to why the additional information is not satisfactory for the investor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.