23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, a credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the accounts : XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ( TRANSFER_OR_SOLD ) ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, ( TRANSFER_OR_SOLD ) ; XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, opened XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX. 

This also includes collections accounts by XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, reported XX/XX/XXXX ; These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card was asked to update my phone number and they refused. 
Kindly note that a credit card with an open credit line of {$2500.00} was sent out but I need received the card .Thus, the reason why I called to have the card block. I asked them to update my phone number to update my information and I was giving a depository excuse as to why it can not be done. They have an old number ending in XXXX from XXXX XXXX, which is in the hands of an unknown person and used as a form of identity verification, instead of my current number, ( XXXX ) ( XXXX ). 
The card is currently in someone else 's possession with my name on it, along with someone else phone number ( ending XXXX, my old phone number ) on the account as a method of verification. 
I spoke with XXXX from the capital one, she refused to update my information hang- up the phone, and another representative called XXXX and another person called XXXX ! 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the numerous time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I'm looking forward that the disputed items will be deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FIN XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XXXX I purchased something online in the amount of {$89.00} through PayPal for payment. 
PayPal automatically set-up reoccurring payments with the vendor in the amount of {$89.00} for 7 consecutive days or until XXXX, one payment per day. 

On XXXX PayPal authorized one payment for the purchase of an exercise machine. 
On XXXX PayPal authorized a second payment which was successful. 
On XXXX PayPal authorized a third payment but was denied somehow, I believe by my bank. 
I called my bank to notify of unauthorized transactions and to not accept any future requests from PayPal or the vendor. 
I tried to stop the reoccurring payments through PayPal 's website but was not allowed by PayPal, I have screenshots saved of these actions. 
I tried closing my account but PayPal would not let me, I have screenshots of these attempts. 
I called PayPal and the girl insisted on not helping me nor would she close my account. 

While this is a small amount, this adds up fast - {$89.00} x 7 = {$620.00} in a week. 
The website claims they sold XXXX units and if done the same way through PayPal, that's XXXX in a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was supposed to receive my unemployment deposit if {$1000.00} on Thursday, XXXX XXXX around XXXX XXXX  CST. However, when it didnt occurred, I called at XXXX XXXX, waited on hold for over 20 minutes and when finally answer, was told that it was a technical issue with a vendor. They also informed me that it should be resolved in a couple hours and gave me the option to dispute the issue. I waited over 8 hours and recalled around XXXX XXXX. The representative told me the issue was still ongoing but it should be resolved by that evening or the morning after ( Friday morning the latest ). Capital One sent out an email stating System issue impacting some deposits, payments and transfers and how the issues began on XXXX XXXX. at XXXX XXXX CST - Thursday, XXXX XXXX. After over 24 hours, I still havent received my deposit. Ive called Capital One several times in the XXXX hour and my call dropped 3 times. 4th call was asked if I wanted a call back and the wait time was over 10 minutes. I didnt get a call back until XXXX XXXX  CST ( over 2 hours later ) with no resolved solution on the issue. Its XXXX XXXX CST and still no updates.
Product: Debt collection

I did not receive any details on investigations conducted by Equifax on things in my credit report and they are now being sued because of false investigations. 

I want all those claims that were investigated taken off my credit report.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX XXXXXXXX was still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

I have additional documents to upload for my previous complaint with wells fargo,, I was treated unfairly and poorly over and over again they promised me they would not close my account. All the calls are recorded and monitored all the specialist in the executive office told me they were giving me a permanent provisional credit on the cancelled airline ticket that I had purchased and cancelled they told me that I would have no problems they lied to me and wrongfully and unethically closed my account after they did a full investigation they put funds in my account then went behind my back and took the money out my account again after they gave there word to not worry and that every thing would be okay, later they come with a crazy excuse that I have to take it up with XXXX they were totally harassing my integrity my human being and my mental state I want justice on this matter I have been calling wells Fargo for justice for 2years on this matter I have called over dozens of times, some of the agents have hang up on me and then some of them have email me telling me they will help me resolve this matter and to this day no one has called to help me on this. No help was done they will type emails send letters promising to help, promising a resolution for months then months turned into 2 years and not giving one it is abuse this company has mentally and emotionally abuse me since XXXX  I been facing abuse and unfair treatment
Product: Money transfer, virtual currency, or money service

Cash app- that was not anyone to talk to as far as a live agent when you needed help
Product: Mortgage

I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help. 
Sincerely, XXXX XXXX
Product: Credit card

My wife and I share an XXXX account and Apple Credit Card. She originally downloaded a trial of an app on the XXXX store, XXXX by XXXX, on XX/XX/2023. She did not realize that the app came with a subscription fee of {$59.00} per year that would go into effect after the 14 day trial period. Together, we cancelled the app subscription through the App Store, the same way it was downloaded on the day she downloaded it, XX/XX/2023. When the trial expired, XXXX still charged me the {$59.00} for the service which I cancelled. 

I've since reached out to Apple support and my Apple Credit Card. I disputed the charge at least 4-6 times, every time of which the dispute was overturned and the charge reinstated, most recently today. This dispute period usually lasts 60 days before I have to reopen the dispute due to the fraudulent charge. I've shared evidence with both Apple CC and XXXX showing the date of download, the date of cancellation, etc. all to no avail. 

I have an email chain going back and forth with XXXX support which states that because I did not cancel the subscription on their website, they continue to charge me. I've never been on their website, nor have any reason to as the app was downloaded through Apple 's App Store and cancelled the same way. I took a screenshot of negative reviews of XXXX from other users who have had the same " scam type '' experience. 

I would now like to escalate the issue so that this charge for {$59.00} is removed permanently and never charged to my account again. I am happy to provide any evidence required that I have previously supplied to the aforementioned.
Product: Money transfer, virtual currency, or money service

PayPal stole my money. My bank never got it.paypal XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Bureau is reporting XXXX XXXX  and XXXXXXXX XXXX XXXX on my credit file with negative remarks. However, these accounts do not belong to me, and neither does the balance. I have requested numerous times for the removal of these accounts as they are a result of identity theft..
Product: Checking or savings account

I am unable to review information with my accounts. I was verified by phone with Bank of America on XX/XX/year> through a one time authorization code, after being verified I had made additional calls to Bank of America as I was directed to by Law Offices of XXXX XXXX XXXX and have not been successful. Bank of America associates have been very difficult to speak with and have caused me a great deal of stress, frustrations and also anger. I have filed with the XXXX about the company and their employees, ongoing discrimination and abuse within the workplace as well. I need to be able to have proper discussion about my accounts and the balances to be able to place these situations behind me. Bank of America has been participating in internal fraud.
Product: Credit card or prepaid card

I have submitted numerous disputes to counteract information listed on my credit report for all three credit bureaus XXXX, XXXX, and XXXX. It has been for my Bank of America credit card account which I closed with the company and had a remaining balance that I continued paying until XX/XX/XXXX when it was successfully paid off. My payment history for this company was stellar up until a late payment I had in XX/XX/XXXX. I was almost complete with paying off the account in XX/XX/XXXX but I couldnt make a payment because I did experience financial hardship after a recent XXXX XXXXt. I contacted the bank of america institute where a representative told me if I paid the account off in full before my XX/XX/XXXX payment was due I would be able to get a credt adjustment and my XX/XX/XXXX wouldnt display as late on my credit report. The company has not honored that request. They have munipulated my account information by reporting false information over and over again when I dispute the account. Attached I have my payment history for the SAME account for Bank of America. This is the information they have reported for all three bureaus. I am tired of trying to get them to honor their agreement and they have failed and been detrimental to my credit report. They also have the first deliquency for my account as XX/XX/XXXX and not XX/XX/XXXX for XXXX. I have been disputing this information for two months and I need a resolution.
Product: Consumer Loan

When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

Submitted check from Active Junky for {$1800.00} on XX/XX/XXXX in XXXX XXXX. 

Check was rejected as duplicate and {$5.00} return check fee was assessed. 

I contacted active junky and they said the check cleared on their end. 

I only submitted one check. There was no duplicate. 

Now my money is missing.

Santander needs to submit funds of {$1800.00} to my account, credit the {$5.00} fee and provide interest at the 10 % inflation rate for missing funds.
Product: Student loan

My federal consolidation loan is held by FedLoanServicing. I applied for PSLF ( public service loan forgiveness ) in XX/XX/XXXX and submitted all my employment certifications. I submitted all the certifications again in XX/XX/XXXX. I have received multiple letters indicating that I am not yet eligible for forgiveness and that my payment count stands at XXXX. However they did not count two of my employment certification forms from XXXX. If those payments are counted then I have well over the 120 required for forgiveness. I have repeatedly called and emailed with no response. I have filed a complaint with FSA and my complaint was closed. No one can tell me why the two forms from XXXX were not counted, if there was an error or for some reason they believe the employment does not qualify or if there was an issue with the signature or something else. I have not been able to speak to someone on the phone despite multiple attempts. 

I was recently notified that my loans are going to be transferred to XXXX sometime in XX/XX/XXXX. I want this resolved before my loans are transferred because FedLoan Servicing is the one who has all the information about my payments and all the certifications that I've already submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent inquiry on my credit report and I've disputed it several times with the company and Equifax and and they are still stating this is mine without properly verifying. Please remove the following fraudulent inquiy immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Midland credit management is a financial institution by definition and alleges they sent me a validation letter and that they legally can violate my right to privacy. I need documentary proof of the 3 notices that should have been sent to me before this company reported anything on my consumer report. I never had any agreement with midland or any other company they are referencing. I need proof of a letter stating midland would be reporting to my consumer report where they gave me an opportunity to sign my signature approving of this or admitting I owe them any debt. I never had an agreement with the alleged original creditor so I definitely dont have any agreement with midland credit management XXXX Midland credit management as a financial institution does not have any rights that trump my right to privacy as a consumer
Product: Mortgage

Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!
Product: Credit card

In XXXX XXXX had transferred a balance to Citicards in the amount of {$1900.00} with a 5 % fee, making my new credit card balance {$2000.00}. 

In the month of XXXX I made a few purchases to the credit card. During the same period I made payments of {$760.00} to the credit card. The minimum balance due was {$35.00}. 

Their policy states and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX mandates that they must apply excess payments ( above the minimum ) to the balance with the highest interest rate. 

However, they applied the payment to the low promotional rate of .99 %. I called multiple times and got no resolution. I called as follows : XX/XX/XXXX - I was told that a complaint form would be filed and investigated and to call back the following week XX/XX/XXXX - When I called back they said the reason they applied the payment to the lower balance is because I made the XXXX payment after the new charges were made, but before the statement ending date. This did not make sense to me so I challenged them for some time about it. 

XX/XX/XXXX - I called again and spoke with a supervisor who agreed and said the reason they applied the payment to the lower balance is because I made the XXXX payment after the new charges but before the statement ending date. This still did not make sense to me so I challenged them about it again. They said that in the future if I wanted to make a payment higher than the minimum that I should call back after the new statement has been released. So I did. And it did not make a difference. 

XX/XX/XXXX - I called at XXXX XXXX. to make a payment for the current statement month. I confirmed that the timing of the statement cycle was correct and that I would be making a payment higher than the minimum due and that all of the extra payment was to go toward the higher interest rate for new purchases. I was assured by the customer service rep that yes, that would be the case. I also confirmed that the call was being recorded. 

However, my statement that just came out shows that DESPITE MY PHONE CALL ON XX/XX/XXXX CONFIRMING MY INTENTION TO PAY THE HIGHER BALANCE, THE ENTIRE PAYMENT WENT DIRECTLY TO THE LOW .99 %!!!!!