23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 an 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
Product: Debt collection

I received a XXXX delivery to my house from a debit collector that I do not do business with. They are saying in their letter for a demand for full payment to a credit card company. Milestone Master Card is who I got the credit card from and XXXX XXXX is threatening me with legal action from an attorney in my state which is Michigan. They are also saying in the letter to contact their legal department. I dont k ow who Modland Credit is nor do they have any signed contract between myself and them.
Product: Checking or savings account

This company closed the my checking account because an accident when my yard man cashed a check on that day in XXXX no blocked account or closed account but he cashed the check I thought it would be fine because I was told that I was going to get my Long Term XXXX but that day it never came. So the account end up saying it was over which is weird since they didnt pay it. So here is XXXX XXXX mobile upload a check that I needed cashed they dont have a branch in Texas so I mobile deposited it I got off work early was going to go pay my first months rent for my new house I never saw the amount update. So I called them to ask them and they transferred me to some department to verify the check it went all from there the women ask me question verify the verified phone number so I gave her every number I called all of them was not verified then she transferred me to somewhere else they verified me then he said have the lady from the company call-in answer some questions and verify so she did XXXX times then they said the check was counterfeit and she wasnt calling in from a verified phone number. So I waited for a lil bit then call back found another number and asked was that verified they advised yes called told them to call she called rep transferred her to accounting office was close I called back the next day had someone call the same lady that called 3 times she answered Same questions check was verified. Still didnt unblock my account then they said it was referred for closure the same day I was crying wanting my XXXX dollars and etc. So when they say I went against policy no I did not. Lets fast forward who takes XXXX to 60 days to close an account when it takes XXXX min to open XXXX. But I am a single mom I need every XXXX I need that money for upcoming rent and to get a car and pay some bills, get meds its like XXXX total I can not wait for them to give me my money thats rightfully mine that they are torturing me with when they are the ones you are closing my account. I am not waiting till the end of XXXX better not even the end XXXX to get my money. They need to close this account by the 30 day mark which is XX/XX/2023 which is also a couple days after the 30 days.Because has got to be illegal. And even if it takes you longer to close this account then just give me my money I have to have it by XX/XX/XXXX my son is already afraid of being Homeless again and without a car and at this point its on you so, I would really appreciate if you all could expedite the review of my account and close this expeditiously so I can get my money that I need quickly. Thanks
Product: Mortgage

On XX/XX/2022, " Select Portolio Servicing '' take over my mortgage from " XXXX XXXX XXXX  '' I had been paying my mortgage to XXXX on XX/XX/2022 and XX/XX/2022 and paid to SPS on XX/XX/2022. But SPS did not properly credit the payment. 

They did not give me any paper statement/Notice at all that i requested for mail it to me. 

On XX/XX/2022, Notice of error sent to SPS asking to address the problem. 
On XX/XX/2022, SPS received On XX/XX/2022, The increase my interest rate to 18 % when I pay everything on time
Product: Credit reporting

Disputed XXXX accounts with Experian in which XXXX different accounts do not belong to me that are reporting on my credit file. The XXXX accounts are XXXX XXXX in the amounts of {$420.00} and {$320.00} listed as being opened in XX/XX/XXXX-XX/XX/XXXX and are charged off. This is FRAUD on my credit file and was reported as such to Experian on XXXX/XXXX/XXXX. I spoke with their fraud department and the representative assured me they would take care of it immediately. I submitted my police report from XX/XX/XXXX and Experian responed by mail on XXXX/XXXX/XXXX telling me the accounts can not be removed because of insufficient data. I 've given them all the required information to prove the ID theft and additionally have been overwhelmed by this entire experience. I had to legally change my first name because of the ID theft. *please see attached documents and police report.
Product: Credit card

I opened a checking account funded with my Barclays Wyndham credit card for {$10000.00}, and they posted the transaction as a cash advance and charged me a {$500.00} cash advance fee. The charge should NEVER have gone through as my cash advance limit was limited to {$6000.00}. This is a security issue on their part letting transactions go through that are higher than the stated limits on the card.
Product: Vehicle loan or lease

CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums with an exception to mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Grant me my title lien free. 
Do not seize or attempt to seize anything in my possession. 
XXXX out the balance on this account. 
Cease and rescind use of my intellectual property, my signature. 

On XX/XX/XXXX, a billing error occurred per 15 USC 1666. The contract states : " You, the Buyer ( and Co-Buyer, if any ) may buy the vehicle below for cash or on credit. '' During this transaction, cash was used to purchase the XXXX XXXX XXXX XXXX, this is a clear violation of my federally protected rights as a citizen. 



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

This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Capital One account number XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to my privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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

Incurrate account information on 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
Product: Money transfer, virtual currency, or money service

Making sure the money is going to the legit person.
Product: Credit card

I looked up number for XXXX XXXX to report funds taken out of my grandson 's account for {$20.00}. Person told me he would " test '' the app and had me input amount of {$2500.00} which I did but the amount failed. He then asked me if I had an account with Klarna or XXXX XXXX and I stated yes. He said he could send me a {$20.00} gift certificate and sent me a link https : XXXX XXXX XXXX XXXX XXXX XXXX which I clicked on and he accessed my Klarna Account and committed fraud for the amount of {$1100.00} by obtaining E Gift Cards from XXXX. He had access to my account telephone and email address since it is listed on the Klarna Account. My XXXXXXXX XXXX notification immediately texted my phone and notified that my bank account had been charged {$300.00} for the first installment of four equal payments. I immediately disconnected the call with " XXXX '' and he attempted to call back but I did not answer. The number he called from was XXXX. I contacted XXXX  and thet informed me that the E Digital Cards had been redeemed and I am having problems with Klarna in trting to have this charge removed from my account. I have obtained a police report and have documents from my bank that they are conducting an investigation and also XXXX who stated there is nothing further that they can do. 
Please let me know what other options may be available to get this issue resolved. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent by regular mail correspondence to Experian and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a discover credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.
Product: Student loan

Discover Student Loans are engaging in harassment. They call me between 4 and ten times per day and leave harassing voicemails daily. I can't have my phone on me at work anymore because Discover is calling me so many times back-to-back.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX/NELNET - XXXX, XXXX/NELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

my XXXX  account online doesnt allows me to add a payment method or set up online payments and im directed to pay via wicker and associates. now for three moments ima. row, XXXX XXXX XXXX XXXX  ive tried to call to make payments and shouldnt have had any late payments but now i have not only three months of late payments but also a charged off account. 

this is because every time i contact XXXX  to pay they redirect me to their collections agency zwicked and associates but they continuously say that consumer direct has power of attorney over my file. this is inaccurate and ive told them this for three months as well as contacted consumer direct to ask how this is being said they say they do not have power of attorney and i know well enough to know i havent ever signed my rights over to anyone else. 

just as ive stated fr the entire duration of XXXX  this has been the case. I call and attempt to make a payment followed by them, refusing to take my payment and saying that they can not take my payment and are not authorized to do so because consumer direct has power of attorney over my file. this is all false and i can not make a payment with them even thought they continue to tell the cfpb they will take payment they will not take payment and my account continues to default DUE TO THEIR refusing to accept. payment due to saying i cant pay j own account. 

XXXX XXXX does nor have power of attorney. this is false information and continued lies from these predators at zwicker i canams have been attempting to pay my account for three months with no avail as they continue to tell me they cant take my payments unless consumer direct gets involved. they are replying with false information to my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX per a late payment reporting on account. I was confused because I knew I had auto draft on my account so there was no way for me to have a late payment status. I called the company and at first two agency could not find the late payment status. After research it was discover that because I have two accounts with the company ( store credit card and a mastercard ), one account was not on auto draft. I was very upset at this point because I was in the middle of closing on a new home. My loan officer told me not to pay off the card balance due to me being in the process of closing on the home. Once I received this remark and spoke with a supervisor I told them that it had to be a big mistake and I was willing to make the payment in full so I can have this removed from my account. The supervisor stated okay, no problem fax over a dispute letter, notes will be in the system and I should be fine. Being told to write this dispute letter for removal of the negative remark, I told the supervisor okay as long as the remark will be removed. The payment was made and I faxed over the dispute letter with detailed information. I receive an alert from XXXX XXXX that the account was removed and than place back on my credit report. After about 5 days the credit report was updated to the status of paid in full but the negative remark was not removed. My loan officer stated because of this action I was not able to close on my home. This was embrassing, hurtful, and I gave up on trying to get a new home. At this time I am trying to get a new home because my current home has been affected by hurricane harvey and I need to move. I am asking anyone to help me have this negative remark removed from my account if possible. I hate that I had to file a complaint but I do n't have a clue on any other way to get XXXX XXXX attention. My account is still open and I have not used it at all.
Product: Checking or savings account

The bank closed my savings account without notice and still accepted direct deposits to the account after denying me access to view balances online. I've called multiple times and was told a check was mailed for the funds in the account at the end of XXXX. I mailed a letter to the bank requesting funds be mailed again in early XXXX and have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX  rewards though Comenity Capital Bank. They have recently stopped reporting on time payments and credit balances since XXXX of 2022. I have since then, reduced my credit balance immensely but because they have not updated the balance, My credit is being greatly affected by this and My score continues to drop because of the fact that my percentage of credit used remains high. My percentage should be 2/3rds less than than what it currently states. This has affected my ability to apply for life changing loans when I have desperately needed it this year and this company needs held accountable because this is no fault of my own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. XXXX XXXX XXXX XXXX # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT EQUIFAX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE EQUIFAX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXX THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND EQUIFAX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue to report that this account was XXXX due to bankruptcy and that is incorrect. I have also included the letter from XXXX XXXX XXXX that the account is paid in full and not in a bankruptcy status. Please update this immediately as you have caused me to lose out of several mortgages. I have never filed for bankruptcy yet you continue to claim you have confirmed this with XXXX XXXX XXXX when you have not. I have called and talked to them personally and they have also sent a letter that I have included. 


XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX  XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times ad reporting discrepancies, my financial institutions and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Mortgage

A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.
Product: Debt collection

XXXX I received a notice from XXXX that Credence Resource Management , LLC added a collection account to my report in the amount of {$1800.00} stating Collection Account Open XX/XX/XXXX. I have NEVER heard from this collection agency prior to this being added on to my XXXX report on XXXX. 
I emailed the company on XXXX asking for proof of this collection along with a settlement letter. On XX/XX/XXXX I received an email to use my zip to view the letter. My zip code did not match, I emailed back and informed them of this on XXXX. On XX/XX/XXXX, they resent the letter dated XX/XX/XXXX to use my 1st name for the password. The mailing address for me on this letter is not valid and has not been valid since XXXX of XXXX the letter is only labeled as : " VERIFICATION OF BALANCE ''. 

This letter does not contain any form as how I can dispute this collection. The Notice of Debt must contain a statement advising me of my rights under the ( FCPA ), including a statement that I have the right to dispute the debt within 30 days of receiving the letter. 
This letter does not contain the following : The date of the last statement or invoice provided to the consumer by the creditor. 
The charge-off date. 
The date of the last payment applied to the debt. 
The date of the transaction that gave rise to the debt. 
The notice labeled " VERIFICATION OF BALANCE '' does not prove this debt and the letter does not provide the following information as a way to dispute : This is not my debt. 
The amount is wrong. 
Other- they must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute :