23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Section XXXX of the Texas XXXX XXXX allows a tenant to terminate their lease early if victim of domestic XXXX. Under Section XXXX of the Texas XXXX XXXX, they would not be responsible for future rent or fees related to breaking the lease if documentation of the family XXXX and XXXX days ' written notice. 
I provided both my XXXX XXXX XXXX issued by XXXX XXXX and written notice to XXXX in leasing office XX/XX/22. I now have a XXXX collections on my credit from XXXX. This isn't allowed
Product: Mortgage

A rate was locked at 2.375 % to refinance my home with Ally bank. All steps were followed for data collection and an appraisal was conducted by an outside third party. The appraisal report came back filled with a number of statements that were false ( appraiser stated we spoke a number of times, requested specific information be included, etc ). He came to our home the day of the appraisal, he walked through our home, and then left and we never spoke again. 
I find this to not only have sabotaged a refinance due to a low rate not wanting to be honored but I was also charged the {$550.00} for the appraisal yet no one will explain to me why its acceptable to supply a report that has false information in it. When dealing with such important things such as someone's mortgage I feel that ethics is a very important items to uphold and when a bank can accept false information I do feel its not only wrong but unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen around a year ago and the auto loan was paid for by my insurance company. I was given a final settlement amount, which i paid in full, and then was told that this account is closed and complete. I later noticed that this account was destroying my credit score as the account was listed with 2 charged off payments in the months following the theft ( XX/XX/XXXX./XX/XX/XXXX. 2020 ). I contacted the loan company many times ( 20-30 times by phone ) and was transferred, hung up on, and many of the people I talked to were confused by my complaint. Finally, I reached someone who understood and would look into it. They later found out that there was a mistake on their end and they told me they'd fix the issue and send an updated report to the credit bureaus to fix my credit score. They also sent me documentation to show that the account should be closed in good standing ( no charged off payments ). This was months ago and my credit report has still not been updated/fixed even after multiple disputes with the credit bureaus and follow ups with the loan company. This has caused me to not be able to purchase another vehicle and have to push off buying my first house this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lists an account PRIME LENDING that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and XXXX late payments are wrong. I have submitted dispute letters to XXXX several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.
Product: Credit card or prepaid card

Capital One closed two of my credit cards accounts without issuing any warning, sending any email, or a letter to me. Capital One accused me of attempting to make fraudulent transactions. I made an online payment on XX/XX/XXXX however due to the high amount of {$2400.00}, my bank did not pay Capital One and the ACH was returned on XX/XX/XXXX. However, on Monday, XX/XX/XXXX, I mailed a paper check for the same amount. The check was received by Capital One on XX/XX/XXXX and it was posted to the account the same day. 
XXXX XXXX Payment from Mail Payment- {$2400.00} Posted : Thu, XXXX XXXX, XXXX Method : Mail Confirmation Code : XXXX Then on XX/XX/XXXX, I made another payment of {$67.00}. 

Capital One without contacting me, issuing any notice, just closes my account. I called their customer service line and explained the problem, they refused to re-open the account. I explained if it was intentional of me to make a blank payment and commit fraud, I would not have mailed the paper check which was not returned by my bank, was paid by my bank, and the transaction was posted in the Capital one credit card account. 

In addition, Capital One closed a second credit card which did not have anything to do with the first credit card. When I called, the representative told me it is the system. I said it can not be system since I have three credit cards with Capital One. If Capital One is accusing juging the return online payment as fraudulent, they should have closed all three accounts. Such bad business practices from Capital One is going to ruin my credit. I never made any late payments on the credit cards, thus Capital One refused to re-open the two accounts for me. Such companies like Capital One should be investigated further for malicious business practices. This credit card companies do not care about consumers. They are just to destroy people and make us go to XXXX and XXXX. 

Now, my credit score will lose a lot of points. Capital One never email me and I found out that the two accounts are closed today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Santander Consumer USA, I do not have a contract with Santander Consumer USA, LP, they did not provide me with the original contract as I requested.
Product: Debt collection

On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.
Product: Credit card

XXXX XXXX XXXX, XXXX, XX/XX/XXXX I am submitting this CFPB complaint to request the immediate blocking of fraudulent information on my consumer credit report, as permitted by FCRA 605B ( 15 U.S.C . 1681c-2 ) .The following accounts, resulting from identity theft, were incorrectly opened in my name : XXXX  XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, GS Bank USA : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX. These accounts have resulted in multiple collections on my consumer XXXX credit report. I have attached a list of the specific accounts along with a copy of my consumer XXXX credit report maintained by XXXX, highlighting the fraudulent items. I do not recognize any of the accounts or collections listed. None of these were opened, authorized, or initiated by me ; all are a result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as evidence that these accounts and inquiries are indeed fraudulent. I request that this information be blocked within four business days of receipt of this complaint. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon seeking financing for a car purchase, was approved by some banks but denied by others due to credit report from XXXX. XXXX  and XXXX  scores are XXXX ... XXXX  score is XXXX. Calling XXXX was of no use ... no one could answer questions about how scores were determined or provide assistance for resolution. Online research indicates this company is relatively new and has questionable practices.
Product: Checking or savings account

Attempting a Bank to Bank transfer with M & T Bank XXXX XXXX Account, I have been unable to move my funds out of M & T. I have attempted a transfer of {$2000.00}, the maximum allowable amount, on several occasions. Each time I have been unsuccessful, receiving the notice " This action can not be completed at this time. Please try again later. '' I have tried to link other accounts, to try transferring the funds there instead, and been unable to link them. 

I have even attempted to initiate the transfer from the other receiving bank. I am confident the receiving bank is not at fault, as it has never had issues with them transferring money to and from numerous other institutions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

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

Credit Account : XXXX XXXX XXXX  Retail Card Account Number : Ending in XXXX Missed payment in Question : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( 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

n 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 : Account number XXXX, XXXX XXXX XXXX : Account numbeXXXX XXXX, XXXX XXXX XXXX XXXX  : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXXXXXX XXXX : Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number XXXX, has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  {$6400.00} XX/XX/XXXX XXXX XXXX  {$9000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate accounts ) on my credit report ACCOUNT NAME : Account info Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. they havent resolved or provided any information that I asked for ( debt validation ). Account was paid they agree to remove and didnt. I call them they couldnt provide me with contract. Account information disputed by consumer ( doesnt requirement of the Fair Credit Reporting Act ).
Product: Mortgage

On XX/XX/XXXX I received a letter from Freedom Mortgage that my XX/XX/XXXX payment had not been paid. Since they had been closed for the holiday until XX/XX/XXXX I could not speak to them. On XX/XX/XXXX I called as soon as they opened and spoke to XXXX. He stated that they did receive my payment for {$920.00}, but that my interest rate had increased for XXXX of XXXX and I owed {$100.00}. I paid Freedom Mortgage over the phone the same day the amount that was due. 

I expressed my concern that I did not want it to effect my credit score and they said it would not. I also asked for proof that my rate went up and they said they sent a letter but had no proof it was sent to me or that I was notified. 

On XX/XX/XXXX I checked my credit report with my bank and found my FICO score had dropped from a XXXX to a XXXX because Freedom Mortgage had reported that I had a payment 30 days overdue. Again, I disagreed with that since they didn't notify me and they were not open on XX/XX/XXXX. If they were I would have been within the 30 days. 

I called on XX/XX/XXXX and spoke to XXXX and XXXX and a grievance was filed against Freedom Mortgage to remove this damaging report. I again called on XX/XX/XXXX and spoke with XXXX about my concern and that I wanted to speak to the decision makers who they would not let me talk to. I also complained about the lack of follow up that I had made the {$920.00} on time but they failed to let me know it was short. 

On XX/XX/XXXX, I received a letter from Freedom Mortgage stated they would not take the negative reporting off of my credit report. Again, they do not take into account that I paid the bill on time and even the additional payment would have been on time if they would have notified me or been open.
Product: Credit card or prepaid card

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time or to my address.
Product: Checking or savings account

All I wanted to do was close my account without losing any of the funds that I had deposited, but the entire process has been a nonstop hassle of waiting for transfers to complete and getting hit with additional fees. On XX/XX/XXXX I reached out to PNC 's online chat service to inform that I would like to close my account. I They told me to process an external transfer of the remaining funds and check back once settled. When I asked about the monthly service fee the informed me that it wouldn't be an issue as the account was being closed. As you can see in the attached screen shot of my transaction history, I was charged a monthly service fee while my funds were in the prolonged transfer process. This led to an additional overdraft fee of {$36.00} to hit my account. It is now XX/XX/XXXX and I still haven't been able to retrieve my funds and close the account, again due to the obnoxiously prolonged transfer process. I went to my local branch to withdraw the remaining funds and they wouldn't let me take anything less than a {$10.00} denomination, leaving {$5.00} in my account, which I now see can not even be transferred out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT WHICH MEANS SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT WITH MY ID AND SOCIAL. THE ACCOUNT AND THE CHARGES ARE NOT MINE, I NEVER REQUESTED THIS ACCOUNT TO BE OPENED, I NVER USED THIS ACCOUNT AND THE PAYMENT MADE ON THIS ACCOUNT ARE NOT AUTHORIZED BY ME. I AM VICTIM OF AN IDENTITY THEFT. I DON'T KNOW THE NAME OF THE PERSON WHO DID THIS, OTHERWISE I WOULD REPORT THEM AS WELL.
Product: Checking or savings account

{$3200.00} was transferred to an account that was not authorized. I filed a police report and was denied saying " no error occurred ''. This is caused by identity theft that was confirmed by XXXX. I also had credit card applications put in my name that wasn't approved. Police Report reference number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX attempted to dispute, via their online chat, the reversal of a statement credit I received from American Express ( AMEX ). As of XX/XX/XXXX I had not received a response. I spent over an hour online chatting with several different AMEX representatives on XX/XX/XXXX because I had not received a response ( their system kept glitching and my messages would disappear and I would belatedly receive messages from their reps ). And, I was told they could not find the Case ID I had been given on XX/XX/XXXX. After finally being told, after an hour, that they would not reinstate my earned {$220.00} statement credit, I noticed the open dispute button on their website. Though I had previously attempted to directly open a dispute regarding the {$220.00} charge / statement credit reversal, I did not find an option for that. I did today and, to my dismay and surprise, found that a dispute had been opened on XX/XX/XXXX, the day of my initial chat and, also closed on that day without any reason being given for the opening of the dispute or the closing of it... Also, in that portion of the dispute window it was stated I had been provided a written response with the reasons for the denial. I was not provided any written response as they indicated. I met the terms required to receive the {$220.00} statement credit and they improperly rescinded and cancelled it. There was nothing on the face of the document I received indicating that I would have to keep the card open for 12 months or the credit would be cancelled. Nor was I provided such information at the time I was cancelling the card or I would not have cancelled it.
Product: Mortgage

I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent.
Product: Debt collection

This afternoon XX/XX/XXXX I received a message from a XXXX XXXX stating that they would send my account to law proceedings to settle the balance and then insinuated that upon initial look at my account it didnt look as if I had anything attached to my social security number I took this as a threat saying that they would ruin my social security number. I have the entire email sent to me for record. 

XXXX XXXX Senior Account Manager XXXX XXXX XXXXXXXX XXXX. 
XXXX, OH XXXX XXXX : XXXX Office : XXXX Fax : XXXX Email : XXXX https : //www.reliantcapitalsolutions.com/ This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.