23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX Number : XXXX Current Plaza Services Account Number : XXXX I received a call from phone # XXXX on XX/XX/year> at appx XXXX XXXX. A female left a voicemail message NOT identifying who she was, or who she was representing, threatening to come to my house and saying I better have a " valid ID ready ''. 

I called the number back and the male that answered did not IMMEDIATELY identify who he represented at the beginning of the call and instead placed me on hold and identified himself after returning to the call. 

He said something that was unclear and sounded like he was from " XXXX '' and that this is for a debt from XXXX XXXX. 

The company has violated FDCPA by 1 ) using abusive language on the call, including denying that they skip-traced my families ' number and when I cited the FDCPA, telling me that the abuses were deserved because I need to " fulfill my obligation ''. 
2 ) lying on the call 3 ) not IMMEDIATELY identifying who he represented at the beginning of the call and instead placing me on hold 4 ) calling my phone number back immediately after I advised a cease and desist on the call, and threatening to sue, asking " what is your attorney 's information??? '' after I said " hello ''. 

I am on XXXX XXXX XXXXXXXX - I do not work, and that is my sole source of income ( see attached ). I can not pay this debt and you will not be able to collect, as I have no assets. 

Again, I do not have the income or resources to pay this debt, but this original debt was satisfied, minus the usurious interest - I received ~ {$7800.00} in loans and paid back that much before becoming XXXX.
Product: Checking or savings account

Bofa continues to refuse to provide statements for several unknown accounts or to allow investment accounts to be transferred by XXXX XXXX XXXX. 
XXXX XXXX XXXX has informed XXXX XXXX at BofA XXXX that he wishes to transfer his accounts. 

I have power of attorney on these accounts, and BofA is aware of this. 

Please see the attached evidence of the fiduciary breach and unwillingness to follow client instructions for over 10 years by BofA, as it pertains to XXXX XXXX accounts. XXXX XXXX is a retiree. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

I was shocked when I checked my credit report tonight and found inaccurate accounts listed. I check my report regularly, and out of nowhere, these errors appeared. I even refreshed my browser thinking it might be a glitch, but the accounts were still there. I'm requesting a thorough review of the documents I submitted so that I never have to deal with this stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} Could not ret/buy house due to below average Credit Score. Please help me to get rid off from this critical problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had made a deal with a self owned company, XXXX XXXX, through an app called XXXX. It was for a purchase of a XXXX XXXX, under the computer and electronics category. He had the item listed for either shipping or pick-up. For convenience, I had asked him to ship the product and he promised that it would ship to my address within XXXX days. He requested the payment through XXXX and the total was {$1100.00}. His name under XXXX is XXXX XXXX with the phone number, ( XXXX ) XXXX. After I had sent him the money, he told me he would ship the item on Monday since Sunday theres no mail. On XXXX, he messaged me that he had shipped out the item but after that he never responded to my messages. I had researched more about this so called company and have discovered that many have fallen victim to his scams. I do have proof of other people being scammed by the same person. This is now considered a fraudulent transaction. I have learned that banks are suppose to help reverse transactions if it is due to scams and/or frauds as of XXXX. I had made a phone call to my bank on XX/XX/XXXX about this fraud and they did nothing to help me. To my knowledge, banks are now required to help recover finances if proven to be a scam or fraud.
Product: Credit reporting or other personal consumer reports

Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. Experian, XXXX and XXXX claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out citing that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.
Product: Money transfer, virtual currency, or money service

I lost the ability to access my passkey and submitted a ticket and multiple attempts to rectify the issue over the phone. 

The company had assigned a ticket number to the complaint but as of yet has still not aided me in accessing the account to facilitate withdrawals. 

The account is titled under XXXX XXXX and I access the account using my business email address XXXX. 

The open ticket request number as coinbase is Case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX the last 3 years surviving trying to take care of my small XXXX children on my own and having XXXX XXXX. I want to clear up this mouth XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with XXXX XXXX XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation Antonio-Nikolas : XXXX
Product: Credit reporting or other personal consumer reports

I have not authorized this hard inquiry on my credit report, this is a result of a crime, the hard inquiry on my credit report is XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off
Product: Debt collection

on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.

It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact. 
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.
Product: Debt collection

Received a letter from Credit Management of XXXX trying to collect a debt that I do not owe. Refused to send me an itemized statement of the alleged debt.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection 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 Employers : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX XXXX ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent items to my credit report. I have been a victim of identity theft for the past XXXX years and there are fraudulent accounts that were open in my name that appears on my credit report. The following fraudulent accounts that appear are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$470.00} ) /I am not liable for this debt with XXXX XXXX and I do not have any contract with XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$1500.00} ) /I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ( BALANCE : {$5700.00} ) /I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have any contract with XXXX XXXX. I have never had an account with none of these companies. Cease the reporting of the fraudulent items being reporting immediately. I am not liable for this debt. Please remove the fraudulent accounts listed above upon receiving this document. I have attached a copy of my complaint and letter that I have sent out to XXXX XXXX, a copy of my id and FTC report. ( Please See Attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with Capital One for over 8 years. I have never been late on my account since I received my credit card. I set up auto pay with there company and my payment comes out of my bank account every month on the same day. In the month of XXXX my minimum payment was increased by XXXX dollar from XXXX dollar to XXXX dollar. Capital one reported my account as late because the extra dollar was not paid, which in turn decreased my credit score by 65 points. I called Capital One and explain what happened to my credit score as a result of them reporting my payment as late and unfortunately they refused to remove the late payment from my credit report. The XXXX was paid as usual, but they informed me that it was considered a late payment. As a result of them putting this entry on my report, other creditor began decreasing my credit limit on other credit cards, which lowered my score even more. Capital One could have easy updated my information with all the credit reporting agencies, but they refused to do so.
Product: Debt collection

I just receive a notification of collection on my name which Im not aware of, I own a house which I live in it for about 4 years now, and I have never made any deal or contract with this apartments I would love for them to show me copies of prove of my social, driver license and my signature on their papers which those things are required to get someone in collection because I know they shouldnt have because I wasnt the one that do this any recordings about me entering to their office to do this I would like them to provide just as the same way they stating this is my account I want prove of that
Product: Student loan

The company is not honoring the COVID-19 wavier of student loan interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC  # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

on XX/XX/2022, someone hacked my bank with Current and they entered their bank credentials to link there account with mine. Then they managed to transfer all of my money which was presently {$400.00} from my account into theirs. I saw that this occurred when I noticed a notification on my phone and when I attempted to get gas and was declined use of my debit card. I filed a dispute with Current and they stated it would take about 10 business days to investigate. Within 1 day they emailed me and said they found NO ERROR. I called and they said yes everything appeared normal. I asked if it was normal to be hacked and have my money stolen, did they find it acceptable and of course they said no. They said they would do further review. It was completed and no change. I requested from them 4 different times a copy of the investigation which they said in an email that I could do. I never received anything. I then contacted XXXX to assist me since they bank proved useless. In a 3 way call XXXX pressed Current to send me a copy of the investigative report which is a law under Federal guidelines for any dispute resolution. Later that day, Current emailed me to notify me they had closed my account after which I was a victim of their institution. As of today I still have not received any assistance from Current or a copy of the investigative report.
Product: Checking or savings account

On XX/XX/XXXX I received my Social Security disability insurance check. I deposited the check into my Citibank account the amount. Of {$18000.00}. on XX/XX/XXXX to check cleared then my account was blocked for verification of the check they verified the check was legitimate and they unblocked the account. I did a couple of transactions with no problem and then on XX/XX/XXXX as I try to purchase plane tickets to XXXX my account was blocked stating they need to verify the check again a symptom supporting documents for the amount of the check and where the check was coming from such as my Social Security award letter in the breakdown of the amount of {$18000.00} then XX/XX/XXXX they decided to close my account by sending me an email without cause I need help resolving this matter. Theyre telling me that theyre cut a check 30 to 60 days. It is unacceptable because I live off my Social Security income. I have bills to pay and XXXX XXXX. Thank you for understanding.
Product: Credit card

Hello - I signed up for a Chase credit card as part of a promotion ( for XXXX bonus miles ) with Southwest Airlines. Southwest advertises this promotion everywhere - every time I go on their website or use their mobile app or even at their terminal in the airport. I clicked on this promotion and signed up with the card ... and some how ended up with a different promotion that I have never seen advertised anywhere. I repeatedly called Chase asking when my bonus miles would appear, and they reassured me that I had to wait, as it takes up to 6 weeks, even after I had waited that long. Finally some one told me that I was signed up for an inferior promotion, that again, I had never seen advertised or described anywhere. So I was basically tricked into something else, and they eventually agreed to change " after the next billing cycle '' a delay that essentially violated the terms of the agreement. Furthermore, Southwest 's response is to claims that it 's " Chase 's promotion '', even though are the ones advertising it, to the point that it is the main thing Southwest is pushing. My take is that Chase is engaging in false advertising, and Southwest is claiming no responsibility.
Product: Mortgage

My wife and I have been trying to work with our mortgage lender to re modify our monthly payments. The process has been quite lengthy in comparison to what the lender originally told us for how long it would take. For some time we have been submitting documents in multiples because of reasons the lender has given, such as "they could not read a letterhead". or "they did not receive a particular document". Our personal file has grown to some size with everything we have sent to them at their request. Also it seems as though we have been assigned to someone different every few weeks. They claim to have made calls to us but we do not have any record of them calling. If we needed to verify anything, it was my wife or I making the contact. During this entire time, we have been instructed by the representatives of the lender to not make any mortgage payments until we receive confirmation of the re-modification. We are asking for the re-modification due to our serious change in financial status.