23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX internet account for my rental XXXX XXXX  property and closed the account during XXXX. After a few months, I received a credit alert from my credit monitoring company that a new account had been added by the collection company ( Radius Global solution LLC ) for the XXXX bill of {$130.00}. I did not receive any notification from XXXX or Radius Global directly to pay for this amount ; instead, I was shocked to see the collection amount in my credit report. I reached out to XXXX, asked them about this, and informed them that I did not receive any notification from the collection company regarding the pending payment. XXXX asked me to pay the amount, and they said they would remove it from the credit reporting. I paid the amount as well ; however, my credit report still shows the bill as collection, which is badly impacting my credit score. I reached out to both XXXX and Radius Global Solutions, and they acknowledged that the amount is paid ; however, they are not requesting the credit companies to remove the account from my credit report. Currently, my family is moving to XXXX XXXX ; we are buying a new home. Unfortunately, I am not approved for the mortgage loan due to the lower credit score caused by the collection. I have been penalized for no mistake from my end. 

As you can see from my credit report, I have never missed a single payment in my life so far, having an excellent track report and being a responsible US citizen. I need help here to support my family by buying a home. Thanks for considering my complaint.
Product: Checking or savings account

My Navy Federal account was fraud so i called the bank and they did an investigation and gave me my money back for that fraud but they sent me the money twice to my account and now they want me to pay out of my pockets for something i didnt do
Product: Credit card or prepaid card

When I started college in the fall of XXXX my mom informed me she would open a credit builder loan to build my credit and a credit card for emergencies. The credit card was in my possession for a few months and then my mom took it in her possession that same year ( I do not remember why or how ). About 6 years later in the fall of XXXX, my mom proposed me trading in my car, during that time my boyfriend wanted to as well, his credit was not good so she offered to add him as an authorized user on her credit cards. A few weeks later I was instructed to download the capital one app to pay my car note where I realized I had a credit card with capital one that was ran up thousands of dollars, when I confronted my mom, she got very emotional and was recently diagnosed with XXXX so I was not inclined to take action against her. She agreed to paying the monthly payments and even said she would pay them down with her taxes but that never happened. In the spring of XXXX, she filed my taxes with credit karma causing me to download the app and see another 2 credit cards was ran up thousands of dollars. Shortly after this, me and my mom had a big falling out, while she still paid the monthly fees, she was reluctant to speak with me about my credit cards and when and if she was going to pay them off. Fast forwards to XX/XX/XXXX, I have gotten many late payment fees and she is still using my credit card for small transactions such as XXXX, XXXX, and vending machines. I have tried to reach out and retrieve my credit cards but she has blocked my cell phone number as well as my social media accounts. Seeing as though I have never used my credit card, and have not had them in my possession since XXXX, I believe this debt is my mom 's responsibility and she should be held accountable.
Product: Credit reporting or other personal consumer reports

Tran union credit reporting Refuse to remove company called XXXX from off my credit report this account doesn't belong to me .which l alerted first complaint began CFBP. dates XXXX I have noticed incorrect information being reported on my credit report .Due to me applying for Creditconstantly .Bein Denied credit. .notice my inquiries has increased. Due denials my credit scores. Has increased never had credit score over XXXX with TransUnion. Which l feel there is GLITCH in tranunion computer system. set reason., for scores to increase .noticed company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been in contact. Letter attached below. .I request the company TO DELETE this form off my credit report.. due to no proof of me being the account holder. TransUnion. Request personal information thew mail request my full social security Num? Cause the social number and name shows doesn't match there records I don't have any leins nor garnishments place on record. This company to file. I been advised to file complaint FCRA whom has a copy of my complaint .l attached ther documents. Fair report in. TransUnion refused. To follow. Rules guidelines as being consumer no rights? TransUnion refuse .l submitted different complaints TransUnion who states again-wait alAdditional 60 more days this prolonged decision. Which if the Veteran affairs attorneys are hired. They requested punitive damages on all my refusal of credits. Pain suffering. Due to this matter. seems account will be removed XX/XX/year>. I have already waited since XXXX I refuse to make payments on account that. Doesn't belong. I have FRAUD ALERT in place. What the purpose for fraud alert.?. especially when credit bureau not honor the purpose. On. What EVER happened to FCRA.. Rights guidelines. Which TransUnion has violated all the rules
Product: Vehicle loan or lease

I only had the vehicle for XXXX  weeks and contacted the lender saying I just wanted to return the vehicle, which we agreed upon. Didnt have it long enough to even make payment or miss payment and they agreed on just a return and not a repossession. When I check my credit report they put it in there as a repossession anyway and said just pay {$7000.00} to clear it off my credit which is a direct violation of consumer rights and they also gave me false accusations and information telling me its ok it will just be a return then turn around and tell me I have to pay money to get this removed. They resold the vehicle and got their money and still trying to make me pay too.
Product: Credit card

In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. 
In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. 
My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} 
P.S. In year XXXX, my identity was stolen.
Product: Credit card or prepaid card

Applied for USAA credit card XX/XX/XXXX after reviewing offer on their website a 15 month 0 % balance transfer til XX/XX/XXXX then current APR on any remaining balance with a 3 % balance transfer fee. I was approved for XXXX amount. Received CC in mail XX/XX/XXXX. Called USAA at XXXX call lasted XXXX min. I was put on hold several times and the customer rep finally told me that no its 0 interest on purchases only for that period. The rep asked me where did I see it and I said it was on their website that is why I applied. We ended call and I immediately went to website and it's written plain as day the 0 % balance transfer fee. I screenshot the offer. Second call placed at XXXX the call lasted XXXX min. XXXX seconds the second rep said that the credit card I applied for was only 0 % purchases. I would NEVER have taken a hard hit on my Credit Report unless I was sure of the offer. This is bait and switch and deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Over the past ( 5 ) five years Capital One financial had managed to snap of 90 % of my Store Brand credit cards i.e XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, etc. account as the credit card provider merchant. Without full disclosure had changes terms and agreements, payments due dates and posting timelines. Captial One is now engaging in the late posting payment games charging late fees, and forcing the consumer to pay a higher minimun payment amount due on the next billing cylce. Prior to Capital One now becoming a monoloply on merchant serivces I had filed several complaint with CFPB about Capital One very same practices over ( 8 ) years ago. 

Therefore, I am once again reaching out to my Federal government and asking for consumer protection from one company taking possession of multiple Store Brand card services and engaging in deceptive billing practices to generate more funds to buy up more companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO EQUIFAX LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Product: Debt collection

Called on these dates and violates the law. This is considered harassment. I have never done business with this company. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

During the week of XX/XX/XXXX I was followed by an XXXX account with the name of XXXX XXXX. I accepted the follow and began to speak to the person. He introduced himself as " XXXX ''. I then asked him how he found my XXXX and he told me that he saw me on his club page @ XXXX. The club had posted an open call and I did like the post. I attended the open call on Monday XX/XX/XXXX and on that Tuesday " XXXX '' reached out to me via phone call and asked me what name I put on my resume so he could pull it for hiring. He told me I was hired as a waitress and that the following Friday XX/XX/XXXX I would need to pay the club 's seamstress/boutique ( XXXX XXXX XXXX ) for two week 's worth of uniforms totaling {$500.00} ( a new uniform is worn every shift ) or I would not be able to work on the clubs opening on XX/XX/XXXX. I then asked for the seamstress 's method of payment and was given the cash app tag of $ XXXX ( XXXX XXXX ). I sent ( 2 ) {$250.00} payments, XXXX on XX/XX/XXXX and the other XX/XX/XXXX. Later on the same day XX/XX/XXXX I saw an XXXX story post on the @ XXXX page stating that this person " XXXX '' @ XXXX has NEVER been affiliated with the club and is not an owner. I later found out that " XXXX '' is actually a convicted felon currently serving a life sentence at XXXX XXXX XXXX. His full name is XXXX XXXX XXXX and is a KNOWN SCAMMER. I have had multiple people verify this! He and XXXX XXXX are scamming women telling them he can get them jobs. I requested a refund from $ XXXX and was ignored. She has since changed the name to XXXX but the tag is still $ XXXX. I have been blocked on all social media platforms. A police report has been filed in XXXX XXXX, XXXX  on XX/XX/XXXX. XXXX XXXX XXXX has also been notified, I have also filed a complaint with the FBI Internet Crimes Division. Cash App is honoring a scam by a convicted XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following items : 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 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
Product: Credit card or prepaid card

I utilized XXXX for a hotel ( XXXX XXXX ) on XX/XX/21. I called XXXX re : deposit and was informed my XXXX XXXX  Visa could be utilized. When checking in, the front desk stated that the XXXXXXXX XXXX card is not accepted. The Front Desk clerk stated that I would not be charged by the hotel and they would notify XXXX to refund the {$240.00}. I then called XXXX on XX/XX/21 and XX/XX/21 and was told that they emailed Card.com to refund my {$240.00}. Card.com is stating I need to wait 30 days. This is not acceptable. They also made me file a DISPUTE TRANSACTION form and have not followed up on it.
Product: Vehicle loan or lease

I paid off my auto loan and can not get the title. 
My problem is with ALLY bank/Auto They claim they sent it and I should get it within 7 to 10 days Today is the 10th day and I received my mail and NO TITLE! 

They need to fix the problem and pay for the fix I must do on my end They charge finance daily charges, why ca n't I charge for getting it late? 

I paid the loan off in good faith I want my problem fixed in good faith! 

Bought truck on XX/XX/XXXX {$450000.00} paid off truck XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit from TransUnion. I have applied for credit in over 3 years, yet I have 18 inquires on my credit file. I called TransUnion and explained that I should not have any inquires on my credit report. I told them that my report is showing inquires that I made back in 2015 but now these inquires are showing up as recent inquires as if I applied for credit within the last 2 years which I have not. Also some of the inquires are duplicates from the same company 2-5 times in a row.
Product: Money transfer, virtual currency, or money service

today, XX/XX/XXXX, i went to use my apple pay and seen my account was restricted. my fiance sent me {$30.00} and XXXX cant put it in my bank account or anything else.
Product: Credit reporting

My credit report claims I opened a " Authorized Revolving Account on a FLEXIBLE SPENDING CREDIT CARD '' from XXXX XXXX XX/XX/XXXX and that {$25000.00} was spent on it between XX/XX/XXXX-XX/XX/XXXX which I had never put in for nor even heard of until I seen it on my report today. I do n't have a clue as to who opened this account nor where it got sent too, used at, etc. and would like a full report on this ASAP
Product: Prepaid card

I purchased a Visa Vanilla Gift Card in the amount of {$500.00} on XX/XX/2022 at XXXX  # XXXX in XXXX, CO The card is invalid. 

I have made multiple phone calls, sent multiple emails, been given two different claim numbers requesting information from me ( photos of gift card front/back, receipts, picture of my ID ). All of this information has been provided, no one at the company responds. 

I tried to return the card to XXXX, they don't return gift cards. The XXXX Manager told me multiple people have come to them with the same complaint about this company Vanilla Gift Card. 

Recently I heard on the news there is a class action law suit against Vanilla Gift Card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect Current Address ( es ) : 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 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  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, has violated 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 furnish a account without my written instructions. 





Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I closed my card because I wasn't using it and did not want to pay a membership fee for a card I don't use. My balance was XXXX. Spoke to Citibank customer service told them to close the card in XXXX was assured I would get a confirmation # and they never sent one called 2 more times same issue same response but still they harass me with phone calls and messages demanding payment of a membership fee {$99.00} for a card I don't use and haven't used for months with a XXXX balance. Only balance showing is their membership fee. Please help me get them to stop calling and harassing me.
Product: Checking or savings account

I AM A 100 % SERVICE-CONNECTED XXXX XXXX XXXX XXXX WHO OPENED BOTH A CHECKING AND SAVINGS ACCOUNT ON XX/XX/year>2018 WITHOUT ANY ISSUES OR PROBLEMS WITH PENFED CREDIT UNION! 

ALL OF MY GOVERNMENT MONIES FROM BOTH SOCIAL SECURITY AND THE XXXX XXXX ARE DIRECT DEPOSITS TO THIS PENFED ACCOUNT! 

MY XXXX  MORTGAGE PAYMENTS AND MY XXXX  INSURANCE ARE ALSO PAID OUT BY DIRECT DEPOSIT TO THE RESPECTIVE PARTIES WITHOUT A PAYMENT MISSING! 

ON XXXX2024 THE PENFED CREDIT UNION FROZE MY ACCOUNT AND TO THIS DATE HAS NOT TOLD ME WHY OR ANY REASON OR ISSUE INVOLVED WITH MY ACCOUNT XXXX! 

THEY BY LAW HAVE NOT GIVEN ME A LETTER WITHIN XXXX HOURS TO DETERMINE WHY OR FOR WHAT REASON AND TO THIS DATE HAVE NO REASON INFORMED TO ME! 

ON XXXX2024 THE XXXX BANK RECEIVED MY DIRECT DEPOSIT FROM THE XXXX XXXX AND TOLD ME TODAY THAT THEY WERE CLOSING MY ACCOUNT IMMEDIATELY AND TO COME TO THE XXXX BANK IN XXXX, GEORGIA TO COLLECT A CERTIFIED CHECK. 

UPON ARRIVING AT PENFED CREDIT UNION I WAS BOUNCED XXXX  TIMES BETWEEN OFFICES INSIDE THE BRANCH AFTER A XXXX WAIT -WAS TOLD THAT THE XXXX DEPARTMENT STILL HAD TO CLEAR THE BACK OFFICE INTERNAL HOLD AND TO RETURN ON XXXX2024 TO TRY AGAIN! 

THEY NOW TELL ME THAT THEY CAN NOT GIVE ME A LETTER AS TO THE REASON WHY AND THEY MAIL IT TO ME WITHIN XXXX  DAYS -HOWEVER, THE LAW STATES A LETTER MUST BE GIVEN WITHIN XXXX HOURS! 

I MUST HAVE A REASON WHY MY ACCOUNT WAS CLOSED TO FORWARD TO MY XXXX  MORTGAGE COMPANY AND MY XXXX  XXXX MORTGAGE INSURANCE. 

PLEASE CONTACT ME REGARDING THIS ISSUE FOR A RESOLUTION IMMEDIATELY, THANK YOU AGAIN FOR YOUR TIME AND ATTENTION IN THIS MATTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX
Product: Student loan

I was mislead into forebearing which allowed thousands of dollars to be capitalized into my loan. There have also been several occasions, when I took online classes, that the national student clearing house declared me as a full time student and Navient immediately put me into deferment, each time I had to tell them not to defer my loans, but that caused a XXXX charge each time. I had to go in one by one and have the charges removed. Even though the charges were added to my principal they refused to give any interest back.
Product: Mortgage

XX/XX/2018 Our Mortgage is current, and the payment is {$2000.00}, The Mortgage Company is Seterus, Inc.. All payments to Seteus are drawn through XXXX XXXX XXXX . Enclosed, you will find evidence which show that the payments were made. The Seterus Mortgage statements or letters show that the payments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX However, the Mortgage Company has returned the payments or not given credit to the payments ; making it appear that we are in arrears. Our paid YTD statement was {$12000.00} as of XX/XX/XXXX, and our YTD statement was {$12000.00} as of XX/XX/XXXX.

On XX/XX/XXXX paid -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} The XX/XX/XXXX payment was made on XX/XX/XXXX, and the payment was returned on XX/XX/XXXX. XX/XX/XXXX payment was paid again on XX/XX/XXXX. XX/XX/XXXX payment was paid XX/XX/XXXX. XX/XX/XXXX payment was paid on XX/XX/XXXX. My husband & I are both Senior Citizens, and our income is derived from Social Security. We are both hardworking Americans. We are concerned that Seterus would send us a Mortgage Statement for {$8300.00} to be paid by a cashier check. All of our previous payments have been done through Automatic Checking/Speedpay. The Mortgage Payments are current except for late fees.
Product: Credit reporting or other personal consumer reports

The personal data found in these documents does not pertain to me.