23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I've been notifying Equifax XXXX  times that the information on my credit report are inaccurate, my XXXX  has been stolen and used for fraudulent purposes. 

Someone has used my XXXX  to engage in the following type of fraudulent transactions : * XXXX  cards * Loans I'm a victim of XXXX  XXXX, this situation turned my life upside down. It is like a nightmare as I'm having difficulties to clear my name and credit report. Please assist me with your help in this case. 

I have also experienced the following problems as a result of the XXXX  XXXX : * Denied credit or other financial services. 
* Harassed by XXXX  XXXX or XXXX. 

In addition, I have lost XXXX hours of my time due to the XXXX XXXX. The XXXX  XXXX  used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : Equifax, XXXX and XXXX : *regarding the XXXX  XXXX  and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with XXXX and Equifax : XXXX still did not clear my credit report after XXXX attempts to remove fraudulent accounts from my credit report. And Equifax made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. 

I have contacted the XXXX  and filed a XXXX  XXXX report. I have had the following problems with companies that I contacted regarding my XXXX  XXXX : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill has always come and always been in my mothers name. I was an authorized user on the account so that I could pick up my mothers diapers and other living needs while she was under medical care. My mother passed away on XX/XX/XXXX. I still have her last bill that was mailed out for payment with just her name listed for the account holder. I called this company to advise them of her passing so they could close the card. Once that happened I personally started getting collection letters and phone calls to pay the balance owed on her card. I explained to them that I was only an authorized user and that they would have to wait for her estate to be settled. The company kept calling me about payment and I asked them why they were contacting me about this bill and they insisted I was a joint co-owner on the account. On XX/XX/XXXX I asked them on the phone to research this because I was only an authorized user. They said that they would hold off on collection calls for 10 days while they researched it and get back to me. I knew that I needed proof of this request and that by doing it over the phone I had not proof I sent them a letter requesting verification of liability for the debt and I faxed it to them ( retaining the fax confirmation for proof of receipt ). I never heard anything during that 10 days but on the XXXX day, XX/XX/XXXX at XXXX, I received a collection call from them to pay the bill. They still had no further information to prove that I was a joint owner on the account. Each time I would talk to a representative on the phone, they would never have an answer for me. On XX/XX/XXXX XXXX they mailed me a letter that requested payment again which I received at my home on XX/XX/XXXX. I promptly replied with a phone call, which they told me that they did not have a way to contact the dispute department at their company and that I had to fax or mail in my birth certificate and social security card so that they could verify my identity. I was not comfortable sending them in my confidential information so the lady told me my only option was dispute the client with the credit boroughs. So on XXXX I mailed and faxed them ( keeping that fax confirmation for delivery receipt ) another letter advising them that I was not responsible for this debt, I never authorized to be a joint owner, and that according to the Fair Debt Collection Practices Act ( FDCPA ) and in the letter I sent them 30 days prior that requesting verification of liability of the debt, that I needed them to correct this, remove the item off my credit report and remove any derogatory comments on my credit report. I was in the process of doing a home refinance and their negative reporting was impacting my ability to obtain a better credit rating and standing. As of XX/XX/XXXX I still have received no communication or follow up on my request for verification of liability and they have completely ignored my inquiry and requests for verification. They continue to call me for payment and report negative and derogatory notations on my credit.
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 that's the first issue and now the second issue when there is a complaint in one of my buyer how could I respond and proceed for a refund if my account is currently 180 days on hold they quickly change the reason why it is 180 days limited because of the buyer issue at first there is no reason why it is closed or limited until I receive an issue on my buyer how could I respond to that issue if I have no chance to do since when the buyer filed a issue when my account is currently limited for 180 days I have no chance to defend myself as a seller and I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer + trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in XXXX Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Checking or savings account

I am a navy federal account holder. Ive had a checking and savings account with the bank since XXXX XXXX  I was illegally charged overdraft fees when XXXX made purchases with my account showing I had enough money to cover the fees. Also, when money was sent to me via XXXXXXXX XXXX XXXX XXXX my account showed the funds as immediately available to spend, however the money wasnt available and resulted in overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my car to a XXXX dealership where I got a new lease for a new vehicle. they took the car and said that they would include my last payment on the new lease, but payment was done by my company, after several attempts, and XXXX XXXX. I was a cosigner on this account and payments where always on time until this last mix up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 ' I XXXX XXXX ' XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX ' XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ' XXXX XXXX XXXX  XXXX XXXX, CA XXXX ' XXXX XXXX XXXXXXXX XXXX CA XXXX ' XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX ' XXXX XXXX XXXX XXXXXX/XX/XXXX ' XXXX XXXXL XX/XX/XXXX ' XXXX XXXX XXXXXX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXXXX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXXXXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX  XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ' US BKPT CT CA XXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX  bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : U.S. Bankruptcy Court
Product: Student loan

I have a student loan through AES, they reported late payments in XX/XX/2021 to all three credit bureaus. These late payments should not have been reported, as there was a freeze on interest and late payments reporting based on both Stimulus Packages that were passed by Congress and signed by the President.
Product: Debt collection

We paid a debt for medical services and provided a receipt and bank statement proof that it was paid. They called threatening to send our debt to collections several times despite us asking to only communicate by certified mail. We then paid the debt a second time, due to the threats. Now, we are being harassed by a collection agency with calls and mail asking for the debt. When asked, the original creditor would not contact the collection agency to retrieve the file.
Product: Debt collection

I contacted Receivables Performance Management ( RPM ) escalation dept. on XXXX XX/XX/XXXX to resolve this claim. I submitted the account number which was filed with XXXX  and explained this was not my account. I contacted XXXX billing to have this account removed from my name on XXXX XX/XX/XXXX. I also filed a complaint with CFPD to have this removed from my credit report. 
RPM responded that they do not have an account with my name under their customer XXXX, yet the will not remove this collection claim from my credit report. 
Below is a screen shot of their claim on my credit report : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name RECEIVABLES PERFORMANCE Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$600.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$600.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX has not provided any information to me, as required by law, that would allow me to understand the nature of this claim. I have not been provided any statement of validity or details surrounding this claim. 
I do not have any past due accounts with XXXX, I do not have any accounts with XXXX.
Product: Money transfers

I sent {$100.00} via XOOM which has not been paid yet the below receipt copy says that it has. 

De : Xoom Order Status Team XXXX XXXXXXXXXXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX p. m. 
XXXX : XXXXXXXXXXXX : Money Transfer Completed XXXX - Global Money TransferYour recent money transfer to XXXX XXXX XXXX XXXX has been completed and has been successfully picked up. 
XXXXAs a reminder, here are some details of your transfer : Xoom Tracking Number : XXXXSent to : XXXX XXXX XXXX XXXX XXXX : XXXX USDTo view the current status of your transaction, visit Track your transactionFor Customer Service , visit our Help Center or call XXXX ( XXXX ) or XXXX ( XXXX ) Transaction status email is automatically generated. If you reply to this email, we will not be able to read your response. Please do not reply directly to this email. If you need help, please contact our Customer Service department. 

About Us | User Agreement | Privacy Policy | Security | Site MapCopyright ( C ) XX/XX/XXXX-XX/XX/XXXX XXXX XXXX. All rights reserved.
Product: Vehicle loan or lease

Complaint : Preditory Lending Car Loan XXXX XXXX XXXX XXXX XXXX, AL Date of Loan : XX/XX/XXXX Financial Institiution : XXXX  XXXX  Account # : XXXX XXXX XXXX XXXX XXXX amount financed : {$30000.00} APR : 9.29 % Loan Duration : 72 months Monthly Payment : {$560.00} I had lost my job 1 year before ( XX/XX/XXXX ) the loan and my wife and I were struggling with our finances. Our only vechicle ( XXXX XXXX XXXX ) and at the time it was have some mechanical issues and we were in an emergency replacement mode. I was under so much strees at the time but, I had to have a vehicle in order to work. XXXX XXXX took my XXXX  in trade ( est. {$9000.00} ) and still financed the loan at more than double of the value. Given my age of XXXX yrs old I couldn't find work in my field and was suffering from a finacnical hardship and XXXX XXXX took advantage of my vulnerablity.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit card or prepaid card

I was approved by capital one for a credit card, they sent me a credit card. I was then told to submit documents to verify my identity. I do not have drivers license. So I spoke to a manager and was told to submit alternative documents. Once I did this, another manager deniedy credit card being unflagged and just stated that the other managers directions and request for documents do not matter. 

This happened on XXXX XXXX 2019, I spoke to Ms. XXXX who's ID Id. XXXX My case number is XXXX Ms. XXXX who is a manager told me to send my documents to the secured link, which I did. 

After the seven days I was then denied and told by Ms. XXXX that what Ms. XXXX told me doesn't matter and my credit card would not be activated. 


My credit score has decreased and I am being discriminated against although I was approved and passed all the requirements to get the line of credit.
Product: Mortgage

I am trying to sell my house and the title company says there is a lien on my house from 23 years ago. Ditech had my mortgage and went bankrupt. XXXX took over the mortgage but Ditech did not release the lien. Now the mortgage is in XXXX ( XXXX ) hands. I need the lien released for the title company to sell my house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Account Information Date of First Delinquency, Last Payment, and Charge-Off Dear XXXX, I am writing to request specific information regarding an account listed on my credit report. I am not requesting deletion of the account but would like clarification on the following details for my records : Date of First Delinquency Date of Last Payment Date of Charge-Off Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Not Available Please provide this information in writing at your earliest convenience. If any additional information is required to process my request, please let me know. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

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

TransUnion was notified several times by XXXX XXXX that all delinquent payments are to be removed and I have a letter from them affirming such. Despite the fact that all other credit bureaus have updated their file, TransUnion continue 's to report the delinquency despite being notified with the attached letter.
Product: Credit reporting or other personal consumer reports

I Have been a victim of identity theft I contacted Equifax and XXXX about these accounts : 1- XXXX XXXX XXXX opened XXXX/XXXXXXXX  balance {$19000.00} 2- XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance {$870.00} 3- Hard inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have informed them that these account are fraudulent and I didn't open them I have sent in a copy of my DL and SS card per there request as well as a copy of police reports that proves I didn't open these accounts I have asked for these account to be removed from my report. and nothing happens and they keep making me send in my id every time I call and the issue has not been fixed
Product: Debt collection

Southern Management Systems contacted my phone from XXXX regarding a debt on XX/XX/2020 at approximately XXXX cst. I had a friend answer as i was busy and see what the call was about, they asked for me and said who they were, when my friend said that he was me the collector failed to verify with a date of birth or ssn, and just began speaking about my debts to my friend. This resulted in my info being shared in a way i am not happy with, anyone who this company calls could say they were me and just get all my info.
Product: Credit card

Unauthorized transactions.. I asked for proof of authorization authorize. Ask for merchant informs As I never heard of this company or purchased. I have no connection or history with this company. I ask that my resolution of 0 liability and back by regulation e I am fully credit as this is fraud XXXX rebill {$1800.00} XXXX rebill {$450.00} Resolution letter and information was suppose to be sent out.. XX/XX/year> as of today XX/XX/XXXX. I have not heard from the company
Product: Prepaid card

{$250.00} Vanilla Visa prepaid gift card purchased on XX/XX/year> at XXXX XXXX XXXX, XXXX, XXXX, XXXX. XXXX XXXX first time using the card it was rejected. 
XX/XX/XXXX XXXX called XXXX spoke with representative. I was told to send ownership verification request and supporting documentation via email to XXXX Documents sent : Drivers license, front and back of vanilla card, receipt, and proof of address XXXX XXXX XXXX XXXX XX/XX/XXXX received automatic response to wait for resolution. 
After numerous phone calls and follow up emails it is still not resolved. I have spoken with many supervisors but with no resolution In XX/XX/year> XXXX # XXXX was closed with no explanation, and I was told the new case XXXX is XXXX. 
I have been waiting for a dispute package from XXXX. I have never received any emails. 
I have been checking every day since XX/XX/year>, also there is nothing in my junk mail. 
I have also provided another email to try. 
I was told they couldnt help me further and the case will be closed I would greatly appreciate any assistance Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with XXXX XXXX XXXX ( for XXXX ) and Credence ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,
Product: Debt collection

I received a letter in my mail from another individual coming from an apartment listed on a debt attempt letter. They apparently received a mail piece for me that stated I owed a debt on a XXXX XXXX account that I did NOT create, and they wanted to attempt to collect a false and unfair debt. I attempted to resolve this through contacting them about this identity theft activity on my name, but was told they could not clear this SOLD DEBT without any reason that clarifies what debt I apparently owe. I also attempted to contact the XXXX, and they replied saying to fill out a fraud form on their website. So I did file a dispute on their webpage claiming that this was a fraudulent charge, but now they explain that I need three types of residential proof within two months of this account existence. Which I did manage to provide ALLL of their requests for proof, including my ID ( with a different address to prove ), A Notarized Letter representing my current address ( NOT what is on record ), a police report, and I also provided a statement saying that I was homeless during those two months which shouldve started the fraud investigation, but they denied this still. So it wouldve been impossible and unfair to prove what I cant during my XXXX  stage, due to pandemic causes! I thought this was more than enough proof that Ive provided, with never been associated with this address, but unfortunately the company did not want to even start investigating my account unless I get a mail piece that falls specifically within the one month timeframe this account was opened. Since I could not provide their last request of a mail piece to my current address at the time ( after an eviction ), the claim was denied and they refused to accept ALL of my proof without showing reasons why and how this was done under me! I think this is discrimination on me because of my living situation at the time, is when they took advantage of that. In addition to this, my friend went through the same exact thing, and they approved it with the same amount of proof I provided, Im assuming they just liked her case for some reason. All I want to do is clear this debt and remain in fair terms with my credit, but if this is how they exercise their rights, then I personally have no rights to dispute anything without getting a thorough and honest investigation into this matter. I dont know what to do, Im losXXXX and they do not seem to help one bit unless I post a negative review on their business, which then they will only respond with, The customer was informed to dispute this. Please respond with a resolution so I can continue my living, clear this stressful issue, and focus on my pregnancys third trimester.