23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is over 20 years old. Have not herd anything about this until I get letter on XX/XX/XXXX titled notification of lawsuits and civil complaint. Statute of limitations where I live is 6 years in Iowa where the loan would have been taken out is 5 years. I called this company XXXX XXXX XXXX at on XX/XX/XXXX after I received the letter. XXXXXXXX XXXX XXXX talked to some male that would only give his name as XXXX XXXX. Once I told him it was out side the statute of limitations he went on to say they will have charges brought up for malicious intent to commit fraud. At that point I ended the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1700.00} Tried disputing it. 

XXXX XXXX {$190.00} Tried disputing it XXXX XXXX {$570.00} Tried disputing it XXXX XXXX {$2400.00} Tried to dispute it XXXX XXXX {$830.00} Tried to dispute it
Product: Credit reporting

JP Morgan Chase made a hard inquiry on my credit on XXXX XXXX, 2016 without my authorization to do so. Upon notification of the change on my credit I investigated the matter and notified JP Morgan Chase. They sent me a letter dated XXXX XXXX, 2016 stating that they contacted XXXX, XXXX and XXXX and asked them to remove the inquiry from my credit profile. On XXXX XXXX, 2016 the inquiries was still not removed from my profile. I contacted the credit agencies who then informed me that JP Morgan Chase never contacted them and therefore the hard inquiry is still on my credit profile. I contaced JP Morgan Chase again and then proceeded to dispute the hard inquiry with all the credit agencies. I received a letter from JP Morgan Chase dated XXXX XXXX, 2016 which is identical to the first letter they sent which says that they confirm having contacted the credit agencies and asked them to remove the inquiries from my credit profile. This has still not been done and it is likely to affect a life-important transaction I am about to make with my husband. This is definitely not acceptable and this matter must be investigated by a higher authority since I am unable to do anything more than I already have. Both letters referenced above is attached hereto. 
Sincerely, XXXX
Product: Credit card or prepaid card

This is about my Walmart mastercard. When capital one took over the walmart mastercard for  XXXX, I went and set up my online access so I can continue to pay my card online. This was in XXXX of XXXX ... ..I had made some purchases on this card around that time ... so then in XXXX I tried to access my account to see what my balance was and to set up my auto payment I could not access my account. I called Capital One and they required me to send documents to verify my identity through a link they sent me through email ... So I did, I sent a photo of my SS, my passport, drivers license, and military ID. I even updated my phone number with them. No phone call from them at all. After a month I tried to access my account online and same thing, I couldn't. I called them again and they said that I had to send my documents again through the same process and so I did again ... .waited for a phone call again ... .nothing ... I called them again and I was told that they are still looking into it ... but they expected me to still pay for my account and yet I can not see or access my account. I have called them numerous times and was told that I have to wait ... So today XX/XX/XXXX I called again because they never called me or sent anything through mail, just a reminder that my bill is overdue, when I called today they said my account will remain RESTRICTED because my documents weren't good and they won't require any more documents from me but I still can pay for my balance ... .CAPITAL ONE has the worse customer service I have ever encountered ... XXXX did require me to send documents through the same process but because they said it was not clear they required me to sent through mail copies of my ID 's ... .and within a month when I called they said I was cleared ... Capital One never called or even tried to work with me in getting my account verified ... ..Why couldn't they check with XXXX  about my account? ... I had autopay with XXXX and my account was paid on time ... I was trying to work on my credit after falling on hard times and now Capital One has messed up my credit score ... I refuse to pay over phone ... I want to see what I am paying and I want my Walmart credit card back ...
Product: Credit reporting, credit repair services, or other personal consumer reports

ACIMA shows I currently still have an open installment balance that I have paid off a year ago. I tried to call them so they can report and close my paid account but they refused.This is hurting my credit score it appears my account is delinquent.
Product: Checking or savings account

On XX/XX/2019 I deposited my paycheck through the Bank of America mobile app to my checking account. At the time of deposit, I was informed the check would be made available the next day. However, when checking my account for funds on XX/XX/XXXX, I learned that a deposit hold had been placed on my account and funds would be made available on XX/XX/XXXX. 

On XX/XX/XXXX I contacted numerous Customer Service Representatives at Bank of America who were completely and totally uncooperative. They said that, even though I was promised availability of funds the next day, there was nothing they could do. Further, they were unwilling to involve anyone else who may have the ability to review the deposit and make funds available. 

My paycheck is drawn on an account managed by XXXX, a payroll processing company, on a local bank. There is absolutely no reason to hold an individuals paycheck for that long, as this is 2019 and payments are processed electronically through the clearinghouse. Further, funds can be verified by simply calling the issuing bank and verifying funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to Transunion disputing various items on my credit report. The letter was recieved by Transunion on XX/XX/2018. I have not recieved the results of any investigation to date. Transunion has failed to comply with the FCRA by initiating an investigation and reporting the results to me within 30 days upon receipt of the dispute.
Product: Mortgage

I purchased my home in XXXX via XXXX XXXX  who sold my Loan to XXXX XXXX in XXXX. 
Since my loan was taken over by New Rez I now receive 2 Different Statements, one from XXXX XXXX and one from Loan Care who supposedly is the Loan Servicer. When I call for the statement to XXXX XXXX who is supposedly the owner of my loan I am not even in their system, they refer me to XXXX XXXX. This whole situation has become confusing. 
I am a XXXX senior and at times have issues with my loan due to delayed social security check issues. When I call in for help, they refer me to my Bank. But it is not a Bank Problem. 
This combination XXXX XXXX / Loan Care has turned into a discombobulated mess, with no one to ask for help. You being passed around like a dog with no home.
Product: Payday loan, title loan, or personal loan

I used the company through a furniture store to buy a mattress. I was told there was a 27 % APR. After I signed everything they switch it to a 200 % APR. My signature is not on anything that has that 200 % APR on it. The loan was for {$1500.00}. Ive paid them about {$2500.00} and they say I still owe them {$1300.00}. And now my credit score has gone down significantly because of this
Product: Debt collection

I have been with XXXX, XXXX, XXXX XXXX etc. for over 30 years. i have had numerous problems with the billing from XXXX. i cancelled service in XXXX and changed to XXXX XXXX XXXX in XX/XX/2018. 
1 ) found out that DATA overage was the issue, changed to UNLIMITED data.

2 ) charges for overage on DATA continued.

3 ) after cancelled service, charges continued along side charges with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX , & TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
Product: Debt collection

XXXX a debt refinance company recently went out of business and sent a email stating my APR would be locked in and remain the same throughout the life of the loan. I was just informed by the company they transferred my debt to that it would skyrocket to 23 % APR. I can not afford this and think this is very irresponsible of this company. Many people can not afford this high of a APR. This feels like I got scammed into a company thinking they could help me but ended up getting told lies.
Product: Credit card or prepaid card

still calling about the same issue I want my late payment refunded now I get a letter from a capital from this XXXX lady she XXXX  me a letter I have tried to call her back several times and I can't get a hold of her ever I have left several messages with her and she does not return my call I am going to keep fighting this until these get reunded
Product: Payday loan, title loan, personal loan, or advance loan

This has been a back and forth debate amongst myself. Speedy Cash. And XXXX XXXX  i have tried repeatedly to resolve this issue since the money was supposedly given to me on XX/XX/year> and yet I never received it because there's identity theft on my bank account and a lot of transactions were moved around and I still have yet to get that resolved so never got the money I'm also XXXX and it's been very difficult for me to get up there to speak to someone in person
Product: Vehicle loan or lease

I made a complaint against Bridgecrest a month ago due to incessant calling multiple times a day to me and my family because I was a month late on my payment. Now they have blocked my access to make a payment with my debit card online. I am now unable to pay via credit card, debit card, and bank account. I tried to make a payment multiple ways this morning and am blocked with every type of payment method. I successfully made a payment last month with my debit card ( they also charge a fee to pay that way but will not allow me to pay another way ). I am sick of their games and their treatment. I should be allowed to pay via debit or credit card. I have no way to make a payment now. They are punishing me for contacting you about their harassment when a payment is late. If they do this to me, how many other people have had this happen? How am I supposed to pay my car payment when they have blocked me from making the payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to upload a police report for fraud in my information that manifested over 40   unauthorized hard inquires that are holding me back from securing a home loan. I kept getting an error when trying to dispute on Equifax.com
Product: Mortgage

I've been trying to have XXXX back taxes paid my mortgage company for months now. XXXX XXXX is the company. The county reported only taxes for land when the home was built. They sent us a bill of approx.. XXXX dollars for taxes on the structure end of XXXX. I consulted with XXXX XXXX and said to pay them instead of the county directly. They have the money in escrow and I can not for the life of me get them to pay XXXX county. They have sent a garnishment of my pay to my company and have sent me Forclosure letters. 
They have the money ... Why won't they pay!!! I've talked to 7 different persons at the mortgage company and they had promised last week that this was taken care of. I need your help.
Product: Debt collection

XX/XX/ is the date this account was opened in my name internet services and equipment that I never received. I was called by XXXX about a outstanding bill {$320.00} for services I didn't have in home or positions. 
XXXX could not provide an account number with my name are address at that time I requested verification from XXXX. I was told that there was no account or file stating I had no services. 
But, XXXX sent over due balance {$320.00} to my father in laws home in XXXX XXXX XXXX XXXX. On my credit report it states it was charged off and closed XX/XX/. From my phone conversation with a XXXX representative the account never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian, XXXX, and XXXX 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

From XXXX, XXXX, I was only enrolling in two to one hour per semester at XXXX XXXX  Therefore, I was attending less than half time, so I would not have been eligible for an in-school deferment. I also did not request an in-school deferment during this timeframe. Since I did not request an in-school deferment, I was under the assumption that my student loan payments were paused due to the COVID-19 payment pause. I graduated from XXXX XXXX in XX/XX/XXXX, and the months after graduation were also not counted. I was also penalized for the six months after graduation. 
However, when I applied for the Limited PSLF waiver, I was told by Mohela that three of my loans would not be eligible for forgiveness due to an in-school deferment that I did not apply or qualify for. As a result of this, I have hanging loans or three loans that were not forgiven during the Limited PSLF Waiver. This is my twenty second year in education, and I have a qualifying employer, The Limited PSLF Waiver for was submitted prior to the deadline in XX/XX/XXXX. Your support with this would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation
Product: Checking or savings account

On or about XX/XX/XXXX, XXXX XXXX and his wife, XXXX XXXX, discovered that her grandson, XXXX XXXX XXXX, had been sending money from their checking and two savings accounts at Bank of America, to an account or accounts in XXXXXXXX XXXX name via XXXX. Said XXXX transfers were not known about nor authorized by XXXX and XXXX XXXX. XXXX XXXX has since passed away on XX/XX/XXXX. To this day, XXXX XXXX does not know how XXXX obtained access in order to steal these funds. The total stolen was {>= $1,000,000}. 

XXXX and XXXX XXXX sought for XXXX to be prosecuted, and he was. See attached Police Report ( Exhibit XXXX ), Criminal Summons and Application for Statement of Charges ( Exhibit XXXX ), True Bill Indictment ( Exhibit XXXX ), Resolution of case and Notice of Recorded Judgment in Restitution ( Exhibit XXXX ), and List of fraudulent transactions ( Exhibit XXXX ). Bank Statements showing fraudulent transactions are available by request, but would exceed the page limit. XXXX plead guilty to theft, and was sentenced, and a restitution judgment of {$14000.00}, was awarded to XXXX and XXXX XXXX. 

XXXX and XXXX XXXX want to Bank of America in XXXX, MD, as soon as they discovered the theft. They put in a fraud claim with bank manager XXXX XXXX. On or about XX/XX/XXXX, they received a letter from the bank rejecting their fraud claim. XXXX XXXX attached as Exhibit XXXX. The Calim number for Bank of America was XXXX. 

When they received said letter, they went to the bank and met with XXXX XXXX. She told them she was filing an appeal on her computer terminal. They did not recieve any documents about the appeal. They had initially been told that they would be required to press criminal charges against XXXX, which they did. They never received any documents or verbal information, to tell them the result of the appeal. To this day, Bank of America has not notified XXXX XXXX of the result of the appeal. 

XXXX XXXX has engaged XXXX XXXX XXXX, XXXX, to look into the fraud claim, but Bank of America will not respond to his phone calls or letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a XXXX XXXX of XXXX XXXX Service member.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ).

I attached my consumer report as evidence.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report today, and I dont understand why. I regularly check my credit report, but this time there were unexpected issues. Refreshing my browser didnt solve the problem, so I urge you to thoroughly review the documents I've sent to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Checking or savings account

First they cut off my card because they said that I filed too many claims. Even though they were found in my favor they still canceled my card for a year. Now I filed a claim on my husband card because I have a joint account, they said that they sent paperwork requesting information and through their app inbox. I advise them that we never received it. I told them that I never received any of my items from XXXX 'XXXX  and that I needed to file a dispute. I went to the store to get a refund they gave me my receipt but I never received my money. When I filed the claim I offered to sent that info and they said no. I was told that they never sent it thru the message center. They said they sent it in the mail but I never got it. They threatened to close my claim. I finally sent them the paperwork they need and I have received 3 different timeframes as to when the claim will be completed.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the XXXX  documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block 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, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( XXXX ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be XXXX!!!!!