23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, my name is XXXX XXXX. I have an account with Capital One National Association since XXXX. XXXXXXXX XXXX I have set up several scheduled payments with Capital One, but they consistently withdrew the payments later than the scheduled date. When I became aware of this issue, I contacted Capital One customer service, but I was transferred from one department to another. Finally, I was advised that they would re-run the payment so that I would not have to make another payment due to their error.

However, despite their reassurance, my account became delinquent. Capital One began contacting me frequently, making more than two to four calls a day, using a spam number. 

I have tried to solve this matter in the best way, but the company ignores my correspondence, I have spent a lot of time and my emotional and financial life is being affected by this problem. 

I have worked with the company for over 8 years and have never been late, have paid on time, and have tried to build a good credit score. I also have another account with Capital One for 7 years and I have a good payment history with them.
Product: Credit reporting or other personal consumer reports

SELFINC LEAD # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/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 XX/XX/XXXX I demand Verifiable Proof ( an original Consumer Contract with my Signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : -XXXX XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit card

I applied for and got accepted for a Chevron Techron credit card which had some nice bonuses I could use and earn in the first month or two of use.

I waited for the card but it never came, I called at around 1 week and was told its still too early to get it replaced so I waited until the number of days requirement was met and called and got them to send another card. They refused to send it express without me paying extra for it.

I waited for the card but it never came, I called at around 1 week after the last call and was told it was too early so I waited until the requirement and called again and they said they would send another one. 
I waited for the card but it never came. 
At this point time had passed enough that I would not be able to earn any of the rewards I wanted. 
I closed the account.
Product: Student loan

They are calling my job, a line that is for employees only and that I imagine somehow they got ahold of the number. I have never provided anyone with that private number. I reversed the phone number they left for me to call back with XXXX of my peers, and they seem to be a bill collector for Navient ; in spite of the fact that I have already told them not to call, they keep on doing it. They call from a local number, but when they leave messages with my peers they leave a toll free number. My peers are not there to take my personal messages, especially when I never provided anyone with that number. Except for telling them that they can not call there anymore, I have never had any other conversations with them. They are interfering with my job 's operation, putting my job at risk by calling numerous times and even speaking to my coworkers and telling them they want to help me. My employer is very strict and every minute counts. We are not allowed personal calls. I feel harassed, upset an embarrased at what they are making me go through at my job.
Product: Credit card or prepaid card

My husband and I have had ongoing problems with USAA for at least 2 years. This complaint concerns a hacker/phisher/smisher who hacked their phone and fraud text systems. 

On the evening of XX/XX/XXXX or XXXX, 2023, the above criminal called, apparently from USAAs main number, and asked about a fraudulent transaction. He had numerous details about our account that only USAA employees should have. We spoke with him for about half an hour and then realized he was phishing. 

This individual made over {$5000.00} in fraudulent charges. We reversed them, but USAA still has not secured their systems. 

We have emailed USAAs CEO several times since then, and despite repeated direction to *only* *email* us, they continue to call from the XXXX and XXXX numbers, which are clearly not secured. We have most recently tried to reset our passwords and have not been able to. 

We advised the CEO on XX/XX/XXXX that because we are locked out of our accounts, we can not verify what we owe. They have charged us interest in spite of this. 

USAAs negligence regarding customers data violates numerous financial regulations. **We will forward all relevant emails once we hear from the CFPB. **
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX  XXXX XXXX Balance Owed : {$7400.00} Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I sent a letter requesting validation of the debt. The letter stated the following. 

I am writing to request a validation of the debt you are claiming I owe. Please provide the following within 30 days. 

1. The amount of the debt.

2. The name of the Credit, whom the dad is owed.

3. A copy of the original contract agreement showing my responsibility for the debt.

4. Any judgment or other legal action taking related to this debt.

5. Verification that the statute of limitations has not been exceeded for the state of Kentucky. 

Sincerely XXXX XXXX
Product: Credit card

I use XXXX to monitor my credit. I got a hard credit inquiry from Montgomery Wards on XXXX. I did not try to open an account with them. I had no idea Montgomery Wards was still around. 

I want any accounts with my information closed and I want Montgomery Wards to remove the hard Credit Inquiry.
Product: Debt collection

I have initiated the payment for XXXX several times for account XXXX the payment has been rejected with the Pro Collect representatives attempting to collect an amount that is over XXXX.
Product: Debt collection

Radius global solutions has reported fraudulent information to my credit reports that was purchased without validation of debt. I received a call after listed closing time and when I called back there automated response did not identify them as debt collectors. I've disputed these accounts but never received verification information from them afterwards. XXXX XXXX and XXXX has worked with Radius global to pass fraudulent information back and forth as I worked to rectify these errors via websites/CFPB. 
The two XXXX XXXX and XXXX XXXX Collections accounts attached below via pdf show how many inconsistent times/dates these companies have generated false information. Radius Global Solutions is already in non compliance with the FDCA as far as I'm concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my XXXX that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX Loan Modification was cancelled because Bank of America incompetence since they never applied our first trial payment made over the phone with the case manager on XXXX/XXXX/XXXX which was due on XXXX/XXXX/XXXX as recommended by him and got a confirmation number. The following month I notified XXXX XXXX " case manager '' and emailed him my running balance and which clearly showed the funds were available to cover the payment, the case manager for BofA admitted to the error and assured me that they would correct the error immediately and to continue to pay which I did for an additional 7 month because the case manager continued to assure me that it would be corrected but after all that time I realized he was just trying to get as many payments from me as possible knowing that my loan mod would not be reinstated. There are many articles on Bofa stating the fact of incentives to employees to not approve these modifications. XXXX XXXX XXXX XXXXXXXXXXXX It is my understanding under the new RESPA rules that came into effect on XXXX XXXX they are required as the new servicer to obtain all loan information from the old servicer. 
Confirmation numbers payments from BofA were : Payments made to BofA : {$2300.00} First set of numbers below indicate the date paid " original lender was Countrywide '' XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX Attached : XXXX XXXX Loan Modification Approval from BofA XXXX XXXX Loan Modification cancellation from BofA for non payment Letter to BofA about payment not being processed after making a total of XXXX payments Email to case manager inquiring about issue Letter from Bank stating we had the funds the XXXX the payment was to be processed Running balance on checking account
Product: Money transfer, virtual currency, or money service

Paypal sent me message that I can no longer use their services which I reported here XX/XX/2021 and they later respond to my complaint that I can have access to my funds on before XXXX of XX/XX/2021, the time has elapsed and I got to email from Paypal and I have tired sending emails and still no meaningful response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.
Product: Money transfer, virtual currency, or money service

My XXXX account was used in cash app to send a substantial amount of money from one Pier to another when I try to resolve this with the bank they denied me even though I had reported that I was unable to login due to somebody changing all of my information my email address my phone number on the account before any of the transactions even started and they were unable to help me then 2 days later my card was used on XXXX XXXX to send a large amount of money multiple different transactions and when I disputed the transactions they said no error were found but they gave me credit for {$1.00} on XXXX of the disputes which didn't make sense they have since been closed my venmo account I don't have XXXX XXXX. So the way it said that I'm out XXXX if I can't get this result some other way the bank has denied my claims and close the account until I can no longer have even metal account
Product: Checking or savings account

Hello officer, my name is XXXX XXXX, my problem is on XX/XX/2021, I went to my local US bank branch to open a business checking account, and at that time they have an offer for {$300.00}, and I will attach the picture of the offer in the bottom, I open the account with the code : XXXX deposit XXXX and keep it until now open the US bank mobile bank the same day XX/XX/2021 after waiting for several days and I haven't received the bonus yet, I went to the branch and the same person who help me said that I still need to wait, and I wait for two more months and ask again, he said that he will help me to claim but still not any response, and couple days ago, I try to call them, and was told that because my money was XXXX transfer into my account, therefore, I am not eligible for that offer, first, in the offer page, they did not require the deposit way of money, second, I open the account in the branch if the XXXX is not eligible for this offer, I believe the banker is supposed to informing me, last, the first time I went to the branch to ask why I did not receive the bones after I open the account, and the same banker help me check it but did not say anything, I mean at that time if he told me that the XXXX is not eligble for the bonus, I will deposit cash instead, therefore, I believe they should give me that bonus.
Product: Debt collection

I financed this car in XXXX  and a year later, totaled the car. Its not a working vehicle. While its mostly paid off, Its been sent to these collectors and they have threatened court and harass me every day with phone calls and letters in the mail. They were taking out {$120.00} every 2 weeks for about a year. Theyre apparently suing me now from the looks of a recent letter. This is putting a huge burden on my bank account and savings and Im not sure where else to turn.
Product: Mortgage

On XX/XX/2022, I received an email from what looked like to be my mortgage XXXX about the closing of my house. The email had my XXXX email address, name, email format of the mortage company, my closing costs ( {$29000.00} ), and address of my house. I followed the instructions of this and made the payment cost for the closing of my house. 

On XX/XX/2022, my Mortage XXXX had called me and told me how I planned to send the money for my closing ( Keep in mind that the builder and mortage company did not tell me the exact closing date of my house yet, only the general time ). I was surprised because I thought I sent it, but apparently there has been a hacking and sending of fradulent emails within the company the past. The hackers had intercepted the emails of the closing ( included closing cost, address, etc ), and impersonated the people I was in contact with. They misled me into sending a fraudulent wire transfer through this, as almost everything seemed OK and only a few people had this information. This fradulent bank account was a XXXX XXXX account. 

This has been going on since XX/XX/XXXX at DHI Mortage, and they failed to inform me of this until XX/XX/XXXX, when I was too late to stop the wire obviously. 

I still filed this to XXXX ( my bank ), to recall the funds from XXXX XXXX account ( fradulent bank account ). I also went to multiple XXXX XXXX location, and managed to create a compliant to them to investigate this account, but they failed to freeze it and far as I know this account is still active. 

I believe that dozens ( maybe XXXX ) of fake XXXX XXXX accounts were opened up during this time period, and the closing/housing information of XXXX of people who worked with DHI mortage were stolen by these hackers. My mortage XXXX and branch XXXX mentioned that several people, including myself, fell for this scam too. So many were affected.
Product: Debt collection

Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.
Product: Credit card or prepaid card

I had my credit card saved on my XXXX account, and one day I get an email saying that the email account linked to my account was changed. Shortly after, I see XXXX purchases made on my linked credit card to XXXX. Despite immediately contacting both XXXX and XXXX, the fraudulent claim was denied. I have not been given any information regarding these charges, I do not even know where the food was ordered to, or what email address my account was changed to.
Product: Credit reporting or other personal consumer reports

There are accounts that I noticed on my credit which I did not do. I never authorized them or made applications for the accounts below : XXXX XXXX XXXX acc # XXXX XXXX XXXX accoun # XXXX XXXX XXXX Accont XXXX XXXX I contacted the credit reporting Agncy with a request for validation and investigation, which was ignored.
Product: Bank account or service

I noticed today that a {$500.00} preauthorized debit was posted to my Citizen 's bank account under " XXXX XXXX ''. I called the bank, and they could n't tell me who got the money but they did say that they used the router numbers to obtain the cash, and that they will conduct a full investigation and that I should call back tomorrow. I know that I absolutely did not authorize any {$500.00} transactions, and I am a little suspicious that the bank would authorize such an amount without knowing who the money was going to. I have checked six months of bill paying online, and every transaction id 's themselves. ; ie ; XXXX, XXXX XXXX, ect..They say I will have to wait until tomorrow to file an unauthorized charge report and of course I will do so, but there is still the {$500.00} missing from my account. Does this seem right?