23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of having my personal information leaked in the Equifax leak announced in XXXX 2017, as verified personally on their website, https : //www.equifaxsecurity2017.com. Information leaked, according to the company, includes my Name, SSN, Address, birth date, and credit card  numbers. A leak of this scope and nature puts me at critical risk of identity theft and potential ruination of my entire personal, financial and credit status.
Product: Debt collection

On multiple occasions I have received letters in the mail from a debt collector company Zwicker & Associates P.C. stating that they are contacting me to collect a debt. The company has not validated the debt they claim and need to submit the requested documents attached below in this Debt Validation Letter. 
My full name is : XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX, Ohio XXXX Last XXXX of my SSN : ( XXXX ) Date : XX/XX/year> Dear Collector : Zwicker & Associates P.C. XXXX XXXX XXXX XXXX, MA XXXX Im requesting that you validate the debt below. 

XXXX XXXX Account ending in XXXX This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation.
Product: Credit reporting

This is for Experian credit monitoring services. I signed up for credit monitoring services with Experian on Wednesday XXXX XXXX, XX/XX/2015, and provided a Mastercard credit card number ending in XXXX. When you order your {$1.00} Credit Report and FICO Score, you will begin a XXXX membership period with Experian credit tracker. If you do n't cancel within 7 days you will be billed {$21.00} for each month that you continue your membership. I attempted on several occasions to contact Experian beginning on XXXX XXXX, and XXXX XXXX. The phone number on their website is actually a fax number XXXX. I called that phone number several times ( XXXX ) only to be connected to a fax line. This phone number was listed as the phone contact number for questions regarding your account, billing, etc. When I was finally in contact with Experian, they claimed that I had contacted them outside of the XXXX window.. and they could not refund the {$21.00} charge. Do I have any recourse. They seem extremely underhanded in dealing with clients.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. 
The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple months ago that XXXX was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXX XXXX. I contacted XXXX to tell them that the loans were not mine they responded that XXXX verified the loans were mine. I contacted XXXX they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said XXXX stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if XXXX can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I got a text from XXXX about a debt owed to Jefferson Capital. XXXX XXXX sold them this debt for {$720.00}. The original debt is almost seven years old and doesn't seem valid anymore. Jefferson Capital keeps updating the date on the debt, making it appear within XXXX. I never had a contract with Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous time in reference to XXXX XXXX XXXX Account numberXXXX Date opened XX/XX/XXXX. This account was charged off XX/XX/XXXX. Since that date Experian has been updating this account as a charge off monthly to this date. By Experian doing this, it falsey manipulates the statute of limitations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts and hard inquiries appearing on my credit report and request that they be blocked and removed immediately under my rights outlined in XXXX XXXX. XXXXXXXX XXXX XXXX XXXX My personal information was compromised in a recent data breach, and the listed accounts and inquiries were fraudulently opened or initiated without my authorization. 

Below are the details of the fraudulent entries : XXXX Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Fraudulent Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 2024
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card

There were XXXX charges to my sams master card synchrony bank card that I did not authorize. 
XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX 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 reportinq agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following I Hems or information Any other adverse item or information, other than records or convictions or crimes which antedates the report by more than seven years.

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 information is inaccurate
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order to redeem my Citi Thankyou points for cash rewards. I redeemed {$1000.00} total. The Order ID for Citi is XXXX ( {$1000.00} ) and XXXX ( {$50.00} ). On XX/XX/XXXX, I received email from Citi that the reward has been shipped via USPS. However, it has been 9 days and there has been no information regarding its whereabouts. There is no tracking, no updates, nothing. USPS should have delivered the package well within 9 days. I tried calling Citi in its posted customer service number for Thank you points - XXXX XXXX XXXX XXXX. However, despite calling multiple times during business hours, the automated system says that they are closed and hung up the calls. I am very frustrated I need this money desperately during these hard times and there is absolutely no response from Citi. I fear that someone may have already intercepted the mail and cashed the checks and there is nothing Citi is doing to help.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Opened PayPal account Deposited {$500.00} cash at XXXX to new account Bought {$100.00} crypto on PayPal An hour later Blocked my money permanent limitation Can't access funds for 180 days I provided PayPal with a copy of my ID that was requested I have never used this PayPal account I did not sell anything or receive any other money on this account. PayPal refuses to give me any information on what the limitation is caused by or why just that my money is not going to be available for 6 months The only explanation that was offered was that my money would be on hold for 6 months in case there were any returns however I never sold anything on this account I just opened it that day. 

That money was put on that PayPal account to shop online for my kids XXXX presents which has snowballed into a really bad situation for myself and ultimately my kids getting XXXX presents.
Product: Consumer Loan

I am needing an advise on what to do with CashCall. I have the loan with them around XXXX. I have been paying religously and try not to be late with that company. But when I called last month my loan is still $ XXXX. I asked how come the loan never came down and was told that only {$3.00} goes to principal. I was shock and blame myself for taking this loan as last year was very hard for my family and I. I was working as a contract for work and did the CashCall loan as we need it. I have paid them to date {$1600.00}. The reason why I tried to keep on paying on it is because I read alot of how they harassed their customers. I cant afford to pay this anymore and afraid that if I stop paying they might harassed me at work and I am still new in here. Can you please help me as what to do. Thank you so much and god bless ... If you published this please change the my name. Thank you again.
Product: Checking or savings account

Today XX/XX/2024, I tried opening a Personal Checking Account with Capital One after a long while. After filling forms online, there was a number to call. I called the number and where Capital One support sent a link via SMS to verify my identity by taking live phone of my ID, in my case my Government-Issued passport. After multiple failed attempts with error " ID is either expired, crumpled or in a bad shape ''. I was finally able to get a clear photo to verify my identity. 

Then Capital One support placed me on hold for more than 5 minutes up until the call drop. I was hoping the personnel would call back to continue the application but she never did. I called back again to meet another personnel and had to start the whole verification process again. I complete the verification again sent via SMS. Then she also puts me on hold only to later come back to tell me to visit a Capital One branch or a cafe. I asked why do I need to visit a branch before my application would be completed, she couldn't answer and still insisted I visit a branch. 

I figured this might be another case of " an XXXX XXXX  simply doesn't like that my passport was issued in XXXX '' which is the case most of the time ( at least in my case ). I have ran into similar issues with XXXX, XXXX  and XXXX  for discrimination and were all reported to the CFPB until my accounts where opened without stepping foot at a branch. You can't deny an application simply because you don't like where the applicant comes from. 

Another vexing factor is that, Capital One is able to offer me 2 credit cards ( XXXX XXXX, and XXXX ) with this very passport, tax ID documents and even my business documents and statements they requested for but for some reason, a personal checking or saving account requires that I commute to a Capital One branch and I want to assume the closest from my location would probably be XXXX, KY. 

In all three cases with XXXX, XXXX  and XXXX, it appears I simply met the wrong ( discriminatory ) applications personnel unlike my other checking and/or savings account with XXXX, XXXX XXXX , XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX amongst others which applications were much smoother. 

My experience in American so far is not a pleasant one especially when I ran into businesses/institutions like the above mentioned and now Capital One.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I purchased 2 Western Union Money Orders from a XXXX. I lost both of these money orders shortly after. The refund process was tedious and frustrating. I did everything as directed and waited to have my refund sent back to me or for WU to contact me somehow. I mailed the processing fee along with the notarised refund forms that WU requests, by certified mail to WU headquarters as per their instructions. For months, they claimed they received nothing even though I had the USPS tracking number to confirm that it was in fact delivered. I contacted Western Union Customer Service many times to get updates regarding this over the course of several months. I continued to get a run around answer from nearly every representative, nobody could help me, nobody could confirm if the request forms along with the fee were received, and nobody had a time estimate as to when or if I would receive my refund until I escalated my case with a manager for the second time. Then I finally received my refund back last week ( XX/XX/year> ) months later. Here is where the main issue arises. After waiting all those months for WU to help me, I received what look to be 2 checks from WU, from XXXX XXXXXXXX XXXX The issue is they can't be cashed. I have gone to every cashing place in my vicinity including WU locations and XXXX XXXX, and nobody is able to cash them, they can't even tell if they are Money Orders or checks, or cashier 's checks. Even my bank won't cash them, I tried online banking and still nothing. I called WU customer service once again to see if they could help but all they offered were locations that are over an hour away from me, or to mail them to my bank ( which I do not want to resort to as I have already been trying to get this money back for months and it's always risky to mail money ) so in the end I have no solution from WU and have 2 pieces of paper and no way to get my money back from WU after paying the notarisation plus the fees that WU requires
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

XXXX XXXX not resolving the problem over the phone they say one thing then their automatics phone say totally different I dont know why there is a balance when I returned everything They made me past due and keep charging me late fees This is a puer fraud and XXXX off I will not be cheated if they reckon my credit file I will file a law suites
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification
Product: Debt collection

XXXX XXXX XXXX is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letterhead and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to XXXX and the XXXX.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX XXXX # XXXX ( XXXX XXXX XXXX # XXXX ( XXXX  XXXXXXXX XXXX  XXXX ), # XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX  ), # XXXX ( XXXX XXXX XXXX, are violating my rights. 

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 furbish an account without my written instructions.