23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to contact Equifax to temporarily unfreeze my credit file so XXXX XXXX  can review my credit file so I may apply for a {$100000.00} Personal Line of Credit. I was unable to access MyEquifax.com and was instructed total XXXX XXXX Note : I called 5 other telephone numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all to no avail. I called and answered the automated identification questions and was told that I could not be identified and to either fax or mail in my full name, address and former addresses, drivers license, social security card, date of birth, utility bill and description of my concern. On the same date, I drafter a cover letter memo with all of the above-mentioned requirement and faxed to XXXX ( Note : that on XX/XX/XXXX, I called Equifax and spoke with XXXX, CSR and she said that the fax number was old and gave me fax number XXXX ) so I resent the fax. I also mailed the same information by certified mail return receipt requested. Today XX/XX/XXXX, I received correspondence from Equifax stating We were unable to locate a credit file in out data base with the identification information you provided and that The documents you provided were illegible. All of the documents that I provided were in color very large and clear. The correspondence is also asking me to provide ALL of the identifying documents that I just faxed and mailed. Also on my credit report dated XX/XX/XXXX, my birth date and the town that I reside in is incorrect which may be the issue.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Hello, I have been having issues with my Paypal account for weeks and today when I entered again a screen showed a message saying that I need to call a number ( in red ) because the account was limited. The phone was : XXXX. 

I called the number and the " employee '' asked me regular questions and somehow he ended up sending me a XXXX XXXX link to enter with me to my account. He did. He said that there was an attempt to enter to my account in Texas and California and that he needed to check information. I even entered my social security number for this reason. 

At some pint he clicked a sign that asked to accept something. I saw it was a credit line for {$1300.00}. I express I did not wanted that line of credit and the employee said that it was only for a " security process ''. 

The called ended and when I check my email I got an alert form XXXX XXXX that Paypal requested credit info for the credit line of {$1300.00}. 

I called again to the same number and It was the same person! Saying that that will erase after Paypal finish the security process. 

I ended the called saying that I will call back in two days. I wen online and called a different number for Paypal and they send me to call their fraud departament. 

I still have the {$1300.00} in my Paypal account which I never requested. I am afraid of identity fraud with this person that entered to my information by a Team Viewer. 

Thanks, XXXX. 

PS. I am adding a screen shot of the time I am writing this message and the image of Paypal with another phone number.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX  and I saw that you have recently began to report me late on the following accounts : I also stated that I have previous credit reports from the XXXX that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This account was closed in XX/XX/XXXX, apparently due to no activity. Received a statement that a substraction of XXXX done which was the balance. I didn't receive a check or no notice of it being closed. Other than getting a statement showing the transaction. I called their number and they stated the funds where sent to the state. Is that a common practice. He gave me the website and their address. Looked up the website soon after and nothing was found. I figured maybe it needed time to get uploaded, established. Then I dismissed and forgot about it. I just came across the statement and the letter that I sent to the Office of Unclaimed funds, address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I didn't received a response. This is very old but its still XXXX bucks and it's mine. Hope you can help me find a remedy. 

The account was thru HSBC, address : XXXX XXXX  XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX I am unable to upload the doc 's that I have. If need be can send them later, will have to my son 's assistance to do this. This account was in my XXXX last name of XXXX. I have reclaimed by XXXX  name of XXXX
Product: Mortgage

On XXXX I made a payment to the mortgage company. I called on XXXX at the advice of my loan originator, I was then told by a call center rep that my bank account information was incorrect and I had an NSF fee. I gave the representative the correct account number and made the payment of XXXX over the phone. The rep stated that she would update my account with the correct account number. On XX/XX/30 I made a payment of 1300 towards my mortgage. On XXXX I called and was told they had a high call volume and that payments were going to post on XXXX. On XXXX I called and spoke to a representative who stated that the account information is again incorrect and that another NSF fee was attached to the account. She stated that the previous rep had the incorrect account saved, which is wrong because my mortgage payment for XXXX was drafted from my account. I was then told I had to make my payment of XXXX. When I requested to speak to a supervisor I was denied, even though the agent was talking to a supervisor through chat no one was available to talk. The agent also refused to take payment over the phone and directed me back to the website.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below from my credit file. I am a victim of a data breach, and these accounts were opened or reported without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed from my credit report. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX - XXXX - XX/XX/XXXX - {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. They signed for that letter on XX/XX/2018. The report states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all with proof, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had a check cashed that I did not send chase back will not put the money back in my account someone cashed it and its been since XXXX of 2021 they keep telling me they are waiting for the other bank to respond well its been close to a year and still no reimbursement .I asked how much longer do I have to wait for them to fix this problem
Product: Debt collection

On XX/XX/2020 I sent to XXXX XXXX a letter to validate that the debt belongs to me. They sent to me a letter that they already did a verification of the debt however I am asking them to provide proof that I was the one that signed the contract for lease that they have provided. They responded on XX/XX/XXXX that they are not going to do a validation. With that being said they refuse to send the proper documentation to show that this debt belongs to me. They do not have a copy of my ID or any documentation that I was the one that signed the contract that was sent to me. I am disputing that the signature does not belong to me and all I am asking them is to provide to me that the debit can be verified that is was me the one that signed the contract.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

On XXXX I received notification of a derogatory account on my credit history from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX that XXXX XXXX XXXX XXXX placed debt in collections with them. 
However I have never had services with XXXX XXXX XXXX nor did I ever receive equipment from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Product: Credit card or prepaid card

I had a late payment ( {$920.00} ) on my double-cash card from Citi Bank ; I missed its due because I thought I already setup the autopay, but it's reset/disable for some reasons. However, I did make a payment successfully onXX/XX/XXXX, but my card is closed by the bank on XX/XX/XXXX, without notify me their decision.

I didn't know my card was closed until recently ; I requested my credit score reports from XXXX   ( XXXXXXXX ) and noticed that this card was closed ( i.e., Account closed at credit grantor 's request. ). I called their customer service twice, but they said it's unable to reopen my card.

This event affected my credit score significantly because of delinquency, and I do want to reopen this card again. Thus, please help me to negotiate with Citi Bank on this issue.
Product: Checking or savings account

XXXX XXXX XXXX AND XXXX XXXX XXXX DECEASED, WE ARE THE EXECUTOR 's FOR BOTH. XXXX XXXX XXXX XXXX STOLE MY PARENTS FUNDS AND WANT ALL MONIES IN CHASE BACK OR WILL SUE DAMAGES FROM YOU ALLOWING FRAUDULENT CONDUCT. SEE ATTACHED INFO
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I had found out after losing my car to repo, for the 4th time ; I needed to see my Westlake financial payment statements since the day the car was financed to me. 
I now see after financing me the vehicle they had a due date that same month only 10 days ; to pay my first months auto loan. 
I was under the impression that I wouldn't have to pay until the following month. Especially after just put XXXX $ down towards the remaining balance financed to me. 
Later find out that it just adds to the cost, I'll be paying in interest. Misrepresented terms by 1 number. My paper copy ; auto finance contract doesn't match Westlake financial copy of the terms sent from the car dealer ship. 
Bill due dates don't match up.

5 years and still no title just 4 repos. 
XXXX $ in interest they got from me and my XXXX $ down payment to defer total balance due ; just to find out too late, that they been negligent from the start. I felt livid and used. 
Paid for GAP as well to protect my investment! 
Also I was swindled into signing the arbitration class then later stated that's in case, so neither party goes to court so pretty much covers there XXXX for there fraudulent heinous act. 
Best part is after 4th repo now, I drove to car lot were I financed the vehicle, to only find out ; closed for Business. 
I'm ashamed and embarrassed and hungry to know what went wrong and how to stop ; a bait and switch dealer of there, on spot delivery and there selfishness for there companies commission in top sales, regardless of how it will hurt there credit and family, all for there personal gain! 
Please help me with a little piece of mind. 
Thank you respectfully for taking time out of your day to bringing this issue a front, to hopefully learn and to not let this happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.
Product: Mortgage

My home burned down. I called for the pay off amount, spoke with someone, and sent that amount to rocket mortgage from XXXX XXXX. Someone called and stated that my home insurance needed to be updated. I explained to them that the house had burned down and that I'd already sent in the mortgage payoff amount. I got an email from them that it was sent to claims processing and a claim rep would be in touch with me soon (? ). I requested a telephone call with the representative they set me up with but we kept missing each other and were conversing via email. I had some questions and was directed to reach out to a different number. I did and the process and what was happening was explained to me. The claims representative had previously sent me a check for XXXX. They explained that that was to help me rebuild my house and that as progress continued I would need to send additional documentation. Also, that I needed to continue to make monthly payments because the check had been sent to my restricted escrow account. I thought I was good and had a handle on understanding the process. I then get an email from them that my insurance has expired and I need to upload an update so they won't add their hazard insurance. What are they insuring???!!! As a mortgage company they have been exceptional, and even in trying to assist me in getting funds to rebuild my house they are really helpful. Communication is terrible though. Maybe if I write this down someone will notate my account appropriately and contact me about what next steps going forward are and make sure that all departments are moving in the same direction. I've called and spoken with several people but still there seems to be a disconnect.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I noticed today XX/XX/XXXX that on XX/XX/XXXX Capital One furnished false and misleading information on my credit file showing my Capital One Spark account XXXX and Capital One personal, account XXXX, were both cards are closed with late payments and a balance. 

On XX/XX/XXXX, I sent Capital One in a payment for both accounts, so there should be no reason either account is currently reporting a balance. 

On XX/XX/XXXX, I also sent Capital One CFO a notice for late payments demanding that those late payments be removed off my credit report because it is a violation to report any personal transactions on a consumer report. 
Capital One has been in dishonor for failure to speak and stealing my negotiable instruments and not crediting my accounts. There is no lawful money therefore there is no lawful way to pay any alleged debt. Alleged debt can only be paid through valuable consideration of an instrument which Capital One can not request a specific species of instruments.
Product: Debt collection

CapitalOne utilizes predatory lending practices and discloses personal and sensitive information with 3rd parties without consent. This account was sent to a collection agency/law office in XXXX, CT. I received a letter from XXXX XXXX XXXX stating I had a credit card from Capital One, and owe {$5200.00}. I never consented to sharing my personal information with a 3rd party collection agency and or law office, and take this form. of communication as a threat to sue. The letter I received from XXXX XXXX XXXX instructed me to call or write XXXX XXXX XXXX by XX/XX/year> to file a dispute or request information, and can do both electronically. They provided XXXX emails on the letter- one for disputes, and XXXX for requests. I sent XXXX XXXX XXXX a debt verification letter to both emails provided to dispute and request information as instructed on Friday, XX/XX/year>. XXXX XXXX XXXX sent me a response stating " they are not in a position to respond to email requests at this time, and to not send time sensitive or correspondence to the email they provided on the letter and to call them. I do not feel comfortable conversing with this collection agency/law office. Overall, I believe Capital One is utilizing aggressive/ predatory behavior by sharing my personal information with agencies that are exhibiting reckless behavior with extremely personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX are reporting incorrect information on my credit report with out my consent i would like all three to remove all negative reportings