23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.
Product: Credit card or prepaid card

in XX/XX/XXXX I paid Citi bank {$1400.00} on a credit card account which had a credit limit of {$3000.00} within days of receiving the payment they cut my credit limit by {$1300.00} saying XXXX credit report had bad information on it. I contacted XXXX and sent in disputes on the report. 
This month XX/XX/XXXX i paid Citi a payment of {$250.00} and they again have cut my credit limit saying XXXX has a bad credit report on me. In XX/XX/XXXX maybe XX/XX/XXXX Citi denied me a credit card with Home Depot saying XXXX had bad reports on my report using that information i filed disputes with XXXX. In XX/XX/XXXX my wife of 32 years left me and then filed a divorce in the state of Michigan which was final in XXXX of XXXX. This is why the bad marks have appeared on my credit reports. 
I have never missed or been late with any payments with Citi bank and i am proud to think that i have done so. Citi needs to revisit things Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with Experian but not late with XXXX and XXXX XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on Experian but none with XXXX which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.
Product: Credit reporting or other personal consumer reports

This account is not mine. Please remove the fraudulent card/account of my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX GA ) XXXX XXXX : {$660.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Filed hardship paperwork to Mr. Cooper due to non receipt of rental money on property owned at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. Filed required documents in timely fashion and payment plan was arranged. Sold property on XX/XX/23. First payment was coming due for 3 months missed mortgage payments on XX/XX/23. A negative score was added to our credit line after sale of the house despite us meeting timeliness and requirements. Wanting this removed from our credit report.
Product: Debt collection

My initial communication with Discover Bank about an " alleged debt '' was a Cease and Desist Letter and a Validation of Debt letter sent via certified mail and the CFPB portal. I asked this company for validation of the alleged debt, instead, I received no contract with a wet signature only " statements '' that don't validate any debts. 

I also asked this company to cease communication with me, and they blatantly sent more statements anyways. I feel this is a form of humiliation, harassment, and a violation of my consumer rights, and my privacy. I asked not to receive letters via mail because the company name on the envelope is a violation of my privacy and I don't feel anyone that touches my mail should know I am in communications with a " debt collector ''. 

They also sent my non-public information to outside agencies in an attempt to collect a debt without my consent. I never authorized my information to be shared or sold to any outside companies. If this issue isn't solved and my demands aren't met, I will proceed with legal proceedings.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the Equifax data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Loan request processing blind. They do not give fees, terms of payback, or interest rates, what consumers need to know. Only forced to sign the page to the next information review which is their policy and their term and conditions. After they got the customer 's request they approved and closed out without showing or reviews and fund transfer to the consumer bank. After the fund transfer to the consumer account than showed a long period of payment terms and a large amount of monthly payment. I called Creditninja and no answer due to the closed business hours try day indicated that the weekend was closed. Funds are supposed to be deposited on XX/XX/2024 but fund deposits on the same day apply to XX/XX/2024. Eventually, XX/XX/2024 re-deposit fund and XX/XX/2024 withdraw the fund. Later on XX/XX/2024, they charged {$30.00} unknown fee with a drawer from my bank. They cheat consumers. They shouldn't be doing business.
Product: Mortgage

I have an account at XXXX and setup online bill pay to send a draft check to Wells Fargo to pay for my mortgage account monthly in the amount of {$900.00}. The first payment was delivered on XX/XX/XXXX to WF and processed by WF on XX/XX/XXXX, and they reversed the payment on XX/XX/XXXX. They indicated the the 3rd party bill pay issued a stop payment and they returned the funds electronically. 

I spoke with my XXXX as well at the 3rd party bill pay and they indicated that no such order was issued, or could be issued for such payment. 

After multiple calls and escalation to WF, WF indicated that they will send the record that they fulfilled the stop payment order and return of funds but that record has never been received. 

I had to make an extra mortgage payment to ensure that my account stays current, I may have also incurred additional fees from a late payment and extra interest because the " additional '' payment was received late. As it stands, WF says they sent the money back, and my XXXX account does not indicate any returns funds. I have been back and forth with both companies and I consider my money lost and stolen.
Product: Money transfer, virtual currency, or money service

hi there, I sent {$150.00} on XXXX XX/XX/2022 to my friend in XXXX via XXXX. On XXXX XX/XX/2022, Remitly showed the money has been delivered to the desired bank account while my friend had NOT received it in his account. So I contacted Remitly using the reference number to see why my money has not been transferred? The agent who was chatting with me said although the name on the account is correct, there was a typo on the account number and the money has been transferred to another bank account! ( it was weird for me how is that possible? when the name and number don't match! ) So she said she's going to contact the bank and ask for a refund then we can re-send the money. she said it's gon na take 7-10 days, I shouldn't contact them and they will reach out to me shortly. 
Remitly never reached out to me and I didn't receive my money. So for the 2nd time, I contacted them, this time via phone. ( I think it was at the end of XXXX that I called them ). Another agent said I'm going to contact the bank right now and you will receive your refund in 7-10 days from now. Again, nothing happened. 

After the 2nd try Remitly still didn't contact me. After about 10 days ( after the 2nd try ) on XXXX XX/XX/2022, I contacted them again, and the new agent said I'm gon na write an email to the bank and ask for a refund and it's gon na take 7-10 days for you to receive your refund.

I do not trust Remitly now, I don't think they took good care of my money and I really don't understand how they could make a transaction to a wrong account number while the name doesn't match and why they are not able to contact the bank in XXXX and get my money back? 

I'm filing this complaint against Remitly because I believe they are not doing anything to resolve my issue and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX BANK, XXXX. - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXXL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX FCU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

I have sent in my identity theft packet, police reports and emailed a copy of my ID go the email they provided in their last response. Ive gotten no response to my email, they have everything they require, they are not removing this collection. I have been talking with my business attorney and this is my last chance to them.
Product: Money transfer, virtual currency, or money service

Amounts of {$730.00} and {$170.00} transferred through scam on the XXXX XXXX XXXX. Nothing was done by my bank and no explanation was given onto why the final determination was made
Product: Credit card

I opened a Capital One Credit Card account ( Ending # XXXX ) in XXXX XXXX, I then had unexpected medical bills in the amount of {$90000.00}, I unfortunately had to file Chapter XXXX bankruptcy on XXXX XXXX, XXXX, It was discharged XXXX XXXX, XXXX, I submitted all the necessary paperwork to Capital One but am still being billed, have been paying them since XXXX, Am I entitled to monies spent refunded?
Product: Debt collection

This Collection agency is at it again. I had previously submitted a complaint on XXXX XXXX XXXX. Which resulted in my favor. Quick refresher in XXXX XXXX I went to the hospital. 
The hospital made a mistake in the billing. They billed my insurance but did n't reflect it in their system. My insurance sent them a check, it was never cashed. I kept gettign bills for the full amount. 
Hospital would not talk to the insurance company to resolve this. Insurance company policy needed the hospital to talk to them to resolve the issue. I get caught up in life and forget the situation. 
The bill goes to collections. XXXX XXXX I get the first phone call. I express doubt about the whole thing. Right there is the first mistake of this agency. I never got anything in writing about the debt five days after that call. 
I go through my records and check my insurance claims see the amount that was told to me and the cut check. Call the agency back within the hour of the first call. I explain the situation. 
I do not owe the full amount this is why. The man on the agency end gets flustered and says he has to talk to the hospital. About a week later he calls me back and says the hospital has no idea and tries to get me to pay. 
I reply I 'm going to call my insurance company. I call and find out the check was never cashed. I call the agency back give him that information. 
He then asks to speak to my insurance company, I agree and give him my member id and the XXXX number. I never hear from them again. 
Now the day before I placed my first complaint. They put negative accounts on my credit report with XXXX and XXXX. After that complaint they were removed and I got my first letter from them stating said items were removed. On XXXX XXXX the new check from my insurance company was cashed by the hospital and a new bill was sent to me. On XXXX XXXX this collection agency yet again put a false amount without noting to transunion that the account is in dispute on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Experian along with the supporting documentation that they have I have enclose copies of my requests to the XXXX and Experian that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Experian
Product: Credit reporting

In XX/XX/XXXX I owed a balance to XXXX Bank in the amount of {$790.00}. I paid the balance TWICE by accident. Once by ACH and one with my debit card with XXXX Bank. XXXX Bank sent notification to XXXX Bank and I was issued a refund check in the amount of {$790.00} dated XX/XX/XXXX. My account now has a XXXX balance. I called XXXX Bank to inquire about the status of my account and they said they would report the XXXX Balance XX/XX/XXXX as that is when my account status is reported and that my account was closed because it had been 60 days late in XXXX and XXXX, but not in XXXX as they are reporting! 
I reported the error to Experian and report # XXXX was sent to me with the notation " updated '' on my credit report. I received this information by mail on XX/XX/XXXX. 
I logged into my Experian Credit Report on XX/XX/XXXX and Credit One is now reporting that I owe more than the original amount of {$790.00} and my report now says I owe {$800.00}. I called Credit One Bank and they told me they charged a fee on my closed account but could not say what it was for. As I was holding to speak to a supervisor again, they logged me out of the online account. I was able to get a snapshot of my online account with XXXX Bank of which I have attached. It clearly shows a ZERO balance. 
My Credit Report should say PAID with a XXXX balance. I know its closed and that is fine. 
All documentation is attached. 

Thank you. 

XXXX XXXX, Ca. XXXX ( XXXX ) XXXX XXXX
Product: Credit card or prepaid card

American Express : First they refused to close my savings account, then they froze my card after transferring customer service to " XXXX '' Both accounts are still active, and I still get emails even though I have no control over the accounts... 

State of Utah American Express bank ( XXXX and XXXX )
Product: Credit reporting

as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..
Product: Mortgage

I have a home mortgage loan through AmeriSave. My loan number is XXXX. 

The original loan starting on XX/XX/2021 was for {$320000.00}. 

I made two monthly payments for XXXX and XXXX of {$2000.00} each, meaning XXXX principal payments of around {$560.00}. 
I made a {$10000.00} principal payment in XXXX. 

That means the remaining principal balance should be around {$310000.00}. 

AmeriSave lists my outstanding principal balance as {$310000.00}. 

I have messaged them through their online portal 6 times since XX/XX/XXXX and no one has responded. I have called numerous times and spoken to AmeriSave representatives who say they will fix things and that they issue will be resolved within five days. Every five days, I check back in and things remain incorrect. The numbers often change but they are always incorrect. 

My next monthly payment is due on XX/XX/2021 and I do not feel comfortable sending this company anymore money. I have until XX/XX/XXXX to make a payment without penalty. I'm hoping to have this remedied by then. 

As a side note : AmeriSave incorrectly listed the address of my home on the loan documents. I have managed to change the mailing address but they have not changed the loan documents. The loan documents do not list the unit number. 

I tried to get that addressed during the run-up to closing and it was never fixed. Closing was a whole other ordeal, but I don't want to go into that right now. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion report it states TWO INACCURATE REMARKS I have addressed several times with no response and or correction XXXX XXXX  HELOC XXXX was paid off and should reflect a XXXX balance and XXXX XXXX heloc was re modified into a fixed rate loan and is NOT past due.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORP this company place a late payment on my credit file doing the The Covid 19 season when i paid the bill but my job had laid me off for XXXX  months because of covid
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I was charged for a subscription that I didnt want. The company XXXX was trying to give me a refund, but can not because the bank canceled my card now the bank is requesting that I reach out to the merchant for a reimbursement via check. However, XXXX does not answer and thats not the form of reimbursement that they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a bank of america credit card. They gave me a hard inquiry and then sent me a letter asking for more information to prove my identity and income. I sent the information and upon recieving it they hit me with another hard inquiry. No where on the papers did it say if I sent the information that I would have another hard inquiry. I did not give permission nor did I fill out another application.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan that was supposed to be a max of 20 % interest and once loan financed the I terest rate was 687 %
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
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 Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX