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

WE WERE WRONGFULLY AND ILLEGALLY EVICTED ON XX/XX/XXXX, FROM OUR HOME LOCATED AT XXXX XXXX XXXX XXXX XXXX GA XXXX. PERSONS WHO WORK AS XXXX FOR XXXX XXXX, GEORGIA XXXX AND CORRUPT LAWFIRMS SUCH AS XXXX XXXX AND XXXX XXXX ARE STEALING MINORITIES HOMES AND NOW WE ARE HOMELESS. AS YOU ARE AWRE OUR CASE IS HUGE CONSISTING OF EXCESSIVE MORTGAGE FRAUD, BUT EVERYONE INCLUDING THE XXXX XXXX XXXX DEPARTMENT, XXXX, XXXX XXXX XXXX  AND OTHER ARE IGNORING THIS. WE KNOW IN THE LOCAL STATE, XXXX AND SUPERIOR COURT ALL OF THE JUDGES ARE PAID OFF TRUST AND BELIEVE THAT XXXX XXXX IN XXXX XXXX IS THE KEY XXXX, HE HAD ALLLLLL OF THE CORRUPT CASES IN HIS COURT ROOM ON XX/XX/XXXX, EVEN THE CORRUPT XXXX/LIARS WHO I FOUGHT WITH IN BANKRUPTCY COURT IN THE SAME COURT ROOM WITH THE SAME REAL ESATE XXXX ON VARIOUS CASE AND OF COURSE XXXX RULED IN ALL OF HTE XXXX/LIARS FAVOR. 

SINCE, EVERYONE IS SAYING WE NEVER HAD MORTGAGE FRAUD BECAUSE WE WE XXXX AND INCOMPENTENT THE FRAUD WAS IGNORED AND NOW PERSONS FROM XXXX WORKING FOR XXXX XXXX  AND ALL OF THE CORRUPT XXXX  AND XXXX/LIARS IN GEORGIA. BOTHE THE XXXX AND THE CORRUPT XXXX OF XXXX XXXX MUST VACATE THEIR OFFICES IMMEDIATELY. THE MORTGAGE FRAUD ON THESE HIGH END HOMES AS IT PERTAIN S TO MINORITIES IS SO SEVERE, AN ATTORNEY IDENTIFIED XXXX WITHIN THE XXXX XXXX, WHICH IS WEREW XXXX XXXX XXXX IS LOCATED HAS MORTGAGE FRAUD. I KNEW THIS IN XXXX AFTER WE WERE NOTIFIED AND I INVESTIGATED IT AND SUBMITTED VARIOUS DOCUMENTS TO DOJ. THE MAJORITIY OF THE FRAUDSTYERS WERE XXXX RESIDING WITIN THE SUBDIVISION. IT IS A MESSSS!!!! 

AGAIN, WE ARE HOMELESS : WE ARE REQUESTING THE ORIGINAL PROMISSORY NOTE FOR REAL PROPERTY : XXXX XXXX XXXX XXXX, XXXX GEORGIA XXXX THE FRAUSTERS INVOLVED SIGNED MULTIPLE NOTES, SOLD THE NOTE WE NEVER SIGNED, XXXX FORGED OUR SIGNATURES AND SEPERATED THE NOTE FORM THE MORTGAGE FOR US TO PAY UNTIL WE WERE NOTIFIED. 

UNDER FEDERAL CODE 12 U.S. Code 1431 - Powers and duties of banks BANKS CAN NOT LEND MONEY OR ASSSTS AND A REAL PROPERTY IS PAID VIA THE FEDERAL RESERVE BANK AND NO MORTGAGE SHOULD BE PAID. 

WITH THIS SAID SEND US THE ORGINAL PROMISSARY NOTE AND IT BETTER NOT HAVE BEEN CASHED BY ANYONE AS THE ABOVE REAL PROPERTY WAS PAID IN FULL ON XX/XX/XXXX! 

WE MEAN BUSINESS! WE ARE THE CREDITORS AND FORECLOSURE AND CONTRACTS ARE ILLEGAL! 


THE XXXX XXXX XXXX OF NORTHERN DISTRICT OF GEORGIA ISD ALWAYS IN VOLVED IN THEFT AND WRONGDOINGS! XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX JUST CORRUPTED! THIS IS WHERE IS ALL STARTED!
Product: Mortgage

My loan was sold, I made the payment to the new company via an online check from my bank. The payment was recieved but not applied to my loan. I have provided proof of the transaction however, they are requiring a certain type of proof which I can not get from the bank. I am attempting to refinance and this payment issue is delaying the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from  XXXX  's to  American Express.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX XXXXhis has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card

My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Bank of America. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I sent XXXX to wrong person. and contacted my bank ( wells fargo ) to council the transaction and retract my money but they refused.
Product: Credit reporting or other personal consumer reports

I previously had an inquiry on XXXX XX/XX/XXXX which I disputed and sent letters requesting to verify the debt. The inquiry was removed from my credit report XX/XX/XXXX. I'm assuming the previous company changed names or sold it to a different company. The charged then appeared on my XXXX credit report XX/XX/XXXX. No letters or anything was sent to me regarding this verifying that the account actually belong to me. The address also tied to the medical bill is not mine and I've never resided there before. I've thought I resolved these issues two years ago and here I go again dealing with the same issue that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. Two of them being by Capital One marked XX/XX/XXXX and XX/XX/XXXX on my XXXX and XXXX report. I tried to contact Capital One directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Capital One XX/XX/XXXX via certified mail. It has been over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit on XX/XX/XXXX or XX/XX/XXXX. I did apply for credit with your company on the aforementioned dates. Please respond and include a copy of the application, datedXX/XX/XXXX and XX/XX/XXXX, my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX Thank you for help in this matter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation Number - # XXXX As of XX/XX/2018 I have tried for the 1001th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! Again, I have tried to access my credit reports ONLINE since XX/XX/2018.
Product: Credit card or prepaid card

I made my monthly online payment on XX/XX/22 for {$370.00} and they reversed the charge stating the bank information was incorrect. A week later I received an email that my account was overdue. I called on XX/XX/22 and they manually ran the bank information XXXX in XXXX different systems and ended up charging my bank account XXXX ( {$370.00} each ) which was deducted on XX/XX/22. They are refusing to reverse the charge and said they can only send me a check which will take XXXX weeks to receive in the mail. This will cause overdraft fees for insufficient funds due to their negligence in charging me XXXX versus XXXX.
Product: Credit card or prepaid card

I made a purchase in XX/XX/2018 at XXXX XXXX XXXX  XXXX using paypal. I returned some of the items in XX/XX/2018. For over 2 years I have contacted paypal to process my return they refuse to process my return to my XXXX  XXXX XXXX credit card and insist on charging me a fee to get my {$26.00} return processed. 

This is unacceptable and beyond poor business practices. I am requesting that my return be processed with interest. 

I have tried to resolve this issue over and over again both on the phone and via the chat they refuse to process my return to the credit card stating the return was rejected. XXXX  XXXX XXXX has no information on a rejected return. 

I should not have to pay paypal a fee to process the return for my purchase.
Product: Debt collection

XXXX, I unfortunately am not pleased with the response of Jefferson Capital Systems , LLC. regarding my request for debt validation under 15 USC 1692g. I requested this information XX/XX/22 and they received the request XX/XX/22 through certified mail. They promptly responded XX/XX/22 with false and deceptive information. This false and deceptive information was they sent a deceptive form of a statement from XXXX XXXX to XXXX XXXX XXXX  XXXX basically as their " verification '' that I allegedly owed Jefferson Capital Systems , LLC. for this alleged debt of {$530.00}. They also went on to say that since this deceptive form " verified '' not validated the alleged debt, they will continue to furnish this information to my consumer reports as long as the law permitted. They also said basically they would sue me for the debt, but since it was outside of the statue of limitations to sue, they cant. This I found to be abusive language as they tried to assert a power they never had. To also continue to willingly provide FALSE and INVALIDATED information to my consumer reports is abusive and misleading and also a defamation to my character as a consumer. The way that Jefferson Capital Systems , LLC. treated me and my requests willingly and knowingly was unlawful and violating to me under 15 USC 1692d, using obscene and profane language which abused me as the reader stating false information of alleged debt collection as well as implicating they would have the right to sue me if it wasn't for the statue of limitations to sue someone on a debt. 15 USC 1692e, providing misleading and false representation of the alleged debt and the legal transfer of the alleged debt from XXXX XXXX to Jefferson Capital Systems, LLC., using deceptive means to attempt to collect the alleged debt from me, also the false implication that Jefferson Capital Systems could've sued me for the alleged debt implicating I committed a crime, 15 USC 1692f, by attempting to collect the alleged debt in its entirety without any authorization or agreement which created the alleged debt. 15 USC 1692g as not providing any validation of the alleged debt which I asked for in writing. 15 USC 1692j, as they furnished to me a deceptive form of a statement from XXXX XXXX to XXXX XXXXXXXX XXXX XXXX to create a false belief that the alleged debt was validated for Jefferson Capital Systems , LLC. to collect this alleged debt from me. Pursuant to 15 USC 1692k, I am demanding civil liability for these knowingly enacted violations of the law against me from Jefferson Capital Systems , LLC. which they " respectfully declined '' to acknowledge or accept as a result of their unlawful practices against me as the consumer. I would like it to go on the record that due to the unlawful acts committed by Jefferson Capital Systems , LLC. they have hindered my progress in life to be able to leverage my credit as a result of their furnishing of false information to my consumer reports.
Product: Debt collection

On or about XX/XX/2020, XXXX XXXX XXXX, a debt collection agency removed this collection from my XXXX credit report due to a dispute resolution. 
On or about the same date, Accelerated Financial Solutions, another third party debt collection agency placed this same account in collections and reported this information to XXXX without any prior attempt to contact me. This debt was resolved and removed in part due to CFPB. 
Accelerated Financial Solutions primary business is debt collections thus subject to the Fair Debt Collection Practices Act. 
Accelerated Financial Solutions has used predatory debt collection practices in an attempt to collect a debt not owed and resolved. I hereby request this debt be removed from my XXXX credit report, and no further action taken, XXXX. debt being " resigned '' to another debt collection agency.
Product: Debt collection

There was a derogatory remark filed by Sunrise credit service INC on my credit report which was false report. When I went on call, they told me that it was requested by XXXX  and when I called XXXX then they told me that I don't owe them anything and they will be reaching out to Sunrise credit service INC for same. I'm filing this complain on why on first hand sunrise credit service INC put that derogatory remark on my credit report when there is no money that I owe to XXXX. Sunrise credit services INC should have verified it with XXXX before doing so whether if there is any amount that is owed to them. It drastically affected my credit history and I want to make sure that sunrise credit services INC is held accountable for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX 09 XXXX  XXXX  XXXX XXXX  Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX  XXXX XXXX  Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} INQUIRIES : XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX DEPT OF ED on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED on XX/XX/XXXX XXXX  on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not investigate an account on my credit profile for XXXX XXXX XXXX this is not my account and I have never had an account with them TransUnion did not investigate an account on my credit profile for Dept of Ed/ XXXX this is not my account and I have never had an account with them TransUnion did not investigate an account on my credit profile for Us Dept . Of Education/XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I was applying for a loan this company said it would call to verify info.. i never talked to anyone I have a screenshot from there web page that says no money will be deposited till they talk to me.. I also needed to edit my weekly pay and it would n't allow me it kept going back to XXXX weekly .. who needs a loan with that kind of money.. I 'm a XXXX and my pay is around XXXX-XXXX weekly and my payments are XXXX a week it can not afforded these payments .. this company is located in Montana
Product: Prepaid card

I won a {$5000.00} lottery prize from the XXXX XXXXXXXX. I went to the Lottery payment center in XXXX, and they issued me an Elan Prepaid Card with my winnings on it. I activated my card easy enough, and headed home. Not long after activation I paid a cell phone bill online for me, and XXXX for my girlfriend. I then went to purchase some household items from XXXX, and I couldn't get the card to work. I Called the number listed on the card, and after entering in some information and verifying my Identity a customer service person told me the card had a security flag on it for Suspicious activity. I verified the transactions, got it unflagged, paid for some household things in XXXX transaction online, which cleared, but then I stopped at XXXX XXXX XXXX home and my card was declined... AGAIN... so I went through the previous steps AGAIN, unflagged it, and the final transaction that night went ok... I got up this morning, ordered a XXXX from XXXX, and went to order breakfast for my household from XXXX on XXXX XXXX  and AGAIN my XXXX card wouldn't work .... but this time theres a bigger issue... not only does it not work because they flagged it again .... but the number I call on the card, same as yesterday 's number... now apparently doesn't work... I called XXXX different times, the listed number, and each time was told, after asking for my card # info, that this wasn't the proper person qualified to help me, and then that person tells me if I need help I need to call THE NUMBER IM LITERALLY CONNECTED TO/AM TALKING TO TELLING ME TO CALL THE SAME NUMBER. When I explain the issue to this person, they cant help me, don't know anything, and can only give me that XXXX phone number. Frustrated, finally, I just go online to my online account with them, enter my password and info, and then am presented a screen saying they've sent a security code to my email and to please enter it below ... and LOW AND BEHOLD not a single digit or email or code ever arrives in any of my inboxes... I attempt this multiple Times. By now, I'm XXXX, I need my money and it's a lot of Money ... so I think maybe it's my phone... so I use a different phone to call the ONLY NUMBER OR CONTACT INFO THEY HAVE... LITERALLY... I enter my XXXX digit card number, and when they ask for my XXXX digit security code, I enter it like before... AND NOW MY SECURITY CODE DOESNT MATCH MY CARD NUMBER???? THIS HAS BEEN A NIGHTMARE... IM SO IRRITATED AND ANGRY ... ELAN Financial literally has not one single additional contact number or email or anything... there isnt Even an email address or separate XXXX number... NOTHING ... so now with a locked card* that apparently now doesn't match its own sec . Number, and the literally inability to reach a single person or robot or option or menu to get these problems fixed ... asap... I am unable to access over XXXX dollars that I need access to. Elan Financial Services or prepaid services or whatever they are called are seriously out of line and conducting downright criminal activities by being unreachable and unable to access within reason my own money.