23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card says valid through XX/XX/XXXX. On XX/XX/XXXX they cancelled my card as I went to use it - the day before going on vacation. I called customer service and they told me there's nothing they can do and would expedite a card ( despite me being out of town. 

That card never arrived. 

I contacted them on XX/XX/XXXX and XX/XX/XXXX via secure message and received the following response : Dear XXXX, Thank you for being a valued Discover ( R ) customer. I understand your concern and am happy to help you. 

I apologize for any inconvenience and will be more than happy to submit a feedback/complaint form on your behalf for our headquarters as well. I do regret to advise, that we do no have the ability to overnight a debit card nor do we have the ability to credit an account for time. However, we can ensure that we have the correct address on your profile here at this time and then review your account to see if we are within the correct timeframe for which our procedure will allow us to order you a new debit card. Upon review of your account, it looks as though we have only placed one debit card order for you that was unfortunately returned. We can move forward with ordering you a new debit card and expedite the order, as long as that address is not a po box address. I would like to advise our expedited timeframe for arrive sits at about 1-3 business days via XXXX. If you could reply with the confirmation of the correct address, We would love to get the new debit card generated for you. I thank you for reaching out to Discover Bank. I hope you enjoy the rest of your day. 

If you have additional questions, click on the Help section of the Account Center online or on the More option in the Discover Mobile App to review our FAQs. You also can reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week. 

Sincerely, XXXX That card never came. 

I also contacted them earlier today in an attempt to get my card.
Product: Debt collection

In XX/XX/2020 EOS CCA allegedly took over my student loan debt, however I was never given information as to how or why this happened. This company is a scam. Its a disgrace. After not contacting me for several months, I finally got in contact with the company and made an income-based payment plan in order to protect my co-sign and his ability to buy a house. Theyve refused to comply in sending a written confirmation of my debt or payment history, something my co-sign needed in order to close a mortgage. Their online payment portal has inaccurate information about my payment history. Theyve neglected to update my credit report to include details of my payment history despite multiple requests. 
Theyve illegally spoken to relatives of mine regarding my debt without consent. 
Theyve denied service to me when Ive called to manage my debt, saying the right employee was not available, the person with access or ability to handle my complaints or requests was out of office, or by saying that the company was in transition and my information was not readily accessible. After several phone calls in which representatives lied about sending me emails, written letters, and faxes, the company has now fully ghosted me. The last I called they said they had no knowledge of my account in their system and it must be a data entry issue. I dont even know what to do here. This account is ruining my credit and has ruined my relationship to my co-sign, who is like family. This company is ruining my life. All of these requests were made and I was lied to with agreements on recorded phone lines. It is just so ridiculous. I just want it to go away.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization XXXX XX/XX/2021 I disputed them and they remained on my credit report
Product: Credit reporting or other personal consumer reports

This is my 10th requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

On XX/XX/ ABILITY RECOVERY SERVICE put a collection on my credit report saying i owe a debt of XXXX which i do not owe. The original creditor XXXX XXXX XXXX XXXX, I do not owe any debt them at all. What i would like is the purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, XXXX  and Trans Union to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.
Product: Mortgage

I recently received a letter from XXXX XXXX XXXX to validite the debt on my mortgage. I've requested a mortgage modification with Caliber Home Loans and I have not received a modification documents. I did speak Caliber customer service regarding my modification request. I was told they made a private mortgage insurance claim for over {$20000.00} I questioned why were they making that claim when I was only a few months delinquent I was told by customer service, Caliber Loans they were going to escalate this issue to upper management because they should not be making a claim for that amount when I was only delinquent for a few months.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, XX/XX/2019 FOR 3060/90/ DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this account. I have attached a copy of the police report to this dispute. I never had insurance with XXXX, the original creditor.
Product: Student loan

I had no choice in my loan being disbursed to Mohella from XXXX. Mohella is facing more legal problems than XXXX. 

XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with Credit karma, because I tried to withdraw cash from an atm, But Received No Cash or Receipt, but the Money subtracted from my balance. When I filed the dispute Credit Karma closed my Account and have not contacted me.
Product: Checking or savings account

XXXX XXXX which is now Huntington bank has me in XXXX XXXX for no reason I do not owe them any money I want negative report be removed from XXXX XXXX?
Product: Credit card

On XX/XX/year>, around XXXX XXXX  CST I spoke with multiple representatives to request record of my original application bearing my ssn and signature. The first agent told me that was not possible, and the last offered to have a supervisor call back within 24 hours. No contact was made after that conversation. 
American Expresss refusal and avoidance in providing such documents violates the equal credit opportunity act and consumer financial protection act.

I would also like to request documentation of approvals or reports by governmental agencies or other persons that are necessary to guarantee or provide security for the credit.

I believe this account is secured by the requested Collateral and American Expresss refusal to produce the records is causing me financial harm. 

Provide a copy of the original credit application, any supporting documents, and documentation of approvals or reports by governmental agencies or other persons that are necessary to guarantee or provide security for the credit
Product: Debt collection

I suspect a fraudulent account on my credit report. I put in an FTC for it and letter and never received a response for 30 days or more. By law after 30 days you are suppose to remove the accounts after no response.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer.

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: Debt collection

They called me multiple times in one day and said my credit would be ruined. I got a mail saying they would use adverse measures to collect the funds ( even after theyve reported it to all three credit bureaus ) and i called them after receiving the mail and they threatened to take me to jail if i do not pay.
Product: Credit reporting or other personal consumer reports

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF ON XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One deleted 10 late payments from my consumer reports that had been reporting inaccurately for 5 months. Pursuant to the FCRA furnishing inaccurate information to consumer reporting agencies is a direct violation of the FCRA. Each violation of the FCRA carries a punishment of {$1000.00} per violation. Capital One has violated my consumer rights 10 times by reporting 10 late payments for 5 months. If Capital One didn't know that they were reporting inaccurately they should have. So therefore, they must be held liable for their actions. ( 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) CAPITAL ONE HAS ADMITTED TO REPORTING INACCURATE INFORMATION AND THEY DELETED THE INACCURATE INFORMATION BUT THEY DID NOT PROVIDE MONETARY RELIEF AS REQUIRED BY THE FCRA. I DESERVE MONETARY RELIEF I HAVE BEEN DENIED CREDIT DUE TO THIS INACCURATE REPORTING. THIS HAS STOPPED ME FROM BEING ABLE TO TAKE CARE OF MY FAMILIES NEEDS. THIS WAS ALSO A DEFAMATION OF MY CHARACTER AS A CONSUMER. CAPITAL ONE IS RESPONSIBLE FOR PROVIDING ME WITH A CHECK FOR TEN VIOLATIONS OF THE FCRA. THIS INACCURATE REPORTING LASTED FOR 5 MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was disputing the inaccuracies of late payments listed on XXXX XXXX XXXX credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since XXXX XXXX.
Product: Consumer Loan

My husband and I a loan with Synchrony bank for furniture in either XXXX or XXXX. Since then we have been paying over XXXX a month and the balance never goes down. I feel that we were misled with deceptive sales tactics and contracts. We have XXXX children and XXXX income now. How is it that we borrowed approximately XXXX three years ago, paid over XXXX a month since then and still owe XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX XXXX XXXX XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Debt collection

The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

West Lake financial is reporting 5 late payment from my credit report that is inaccurate. This account is paid in full and was never late on any off my payments. I ask west Lake to fix the problem they keep telling me they dont have access to the records.
Product: Mortgage

my mortgage was put on a forbearance .and they are reporting on my credit report that I am 5 month late.and they trafer my or mortgage to another mortagage compy name midland mortage and they been sending me threating letter of forucloser.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXX Inquiry : XX/XX/2023 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

i am a college student every year i apply for my fafsa. when i join a college on XX/XX/2015 i had did my fafsa. because of medical problem i could n't complete my fall semester. but i had drop all my classes. now college is making me to pay it. college never contact me by email, phone or paper letter. they just send me a bill at the end of the semester. i am not able to make this payment because i am a XXXX XXXX XXXX. and they also put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Product: Debt collection

On XX/XX/XXXX, I received a Notice from the US Department of Treasury that a debt collector has filed an action to garnish my monthly Social Security payments ( {$500.00} monthly ) for debts they say that I owe. I attempted to contact the firm doing this, shown on the Notice as XXXX XXXX XXXX XXXX., of XXXX XXXX, MN. Calling them, a recorded message directed me to another firm, a collection agency called XXXX XXXX, of XXXX, IN. Calling them ( XX/XX/XXXX ), I went from a XXXX, to an XXXX, to an XXXX, to a XXXX. XXXX began by telling me my debt originated with WELLS FARGO ( a notoriously bad acting firm ) & totaled {$220000.00}. I gasped at the amount & then found out that it was an education loan. I DID take out Parent Plus loans years ago to allow my 2 sons to get through college. But I dont recall any of them being that high. 
I explained to XXXX that my 2 sons DID go through college on a number of my Parent Plus loans originated by their 2 colleges & funded by a number of banks & financial institutions. However, NEITHER of them are working now, & XXXX lives at home with me where I support him. XXXX is a XXXX XXXX   child with related medical bills not covered by insurance. I furthermore told him that my finances are beyond tight ; they are dire. Garnishing my Social Security would be disastrous ( I am XXXX years old, & also looking for work, but as many might understand, it is difficult to find employment or income at that age ), as savings are XXXX, & I only get a small pension from past employment. 
XXXX effectively ignored this, & said the law allows them to collect money for Wells by garnishing Social Security payments. He then tried to get me to consolidate these Wells Fargo loans with other education-indebtedness on the FAFSA system. The latter includes loans from other lenders that I could not identify. I noted that the subject loan, this Wells Fargo loan, was shown there at {$170000.00}, not {$220000.00}, which he tried to explain as beingfees & costs. I had some terrible experiences in trying to repay a number of these other loans in XXXX, those originating parties being US Department of Education & XXXX & others. The US DofE did garnish my Social Security in XXXX, causing disastrous hardships to me, including near bankruptcy & loss of home. They then abruptly stopped ( XXXX, I believe ), & even REFUNDED a months garnishment. 
All of this had no impact on XXXX, as he returned to the threat that they ( XXXX ) can garnish & hes powerless to stop this. He said it will start with the XXXX SS payment. 

Thank you, CFPB, for reading this far. I never thought Id be confronted with these dire & disastrous actions again. But here they are, & initiated by XXXX of the truly villainous repeat offenders of financial-service mischief & wrongdoing, the rich, huge monster called Wells Fargo & their collection agents.