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

I went over my credit report a few months back in XXXX  and noticed a fraudulent account on my credit profile that is unfamiliar to me. I know nothing about this account and never given consent or authorization for this account. I called the original creditor and they could not verify the account nor send documentation validating this account or that I own this account.
Product: Credit reporting or other personal consumer reports

The Attorney General XXXX XXXX XXXX is reporting that I have not made a payment in 180 days which is incorrect. I have obtained a up to date copy of my payment record and the credit reporting agency refuses to update my report with the correct information. It is being reported on XXXX, Equifax, and XXXX.
Product: Credit card or prepaid card

I called Discover card on XX/XX/19 about a late fee. The rep waved the XXXX dollar fee. She told me my I owed {$140.00} dollars, I paid the XXXX with that representative. Today, XX/XX/19, I got a bill with the about of XXXX and a late fee. I called again and was told by the supervisor that the representative made a mistake I should have paid the full XXXX. I asked him to have that all waved and he said he couldn't do that. He put me through another supervisor who told my I would have to pay XXXX dollars today and she would remove the rest of the fees. I do not have the extra money to pay that due to my many health issues. if I paid that, I would t eat, get meds, or go to the doctor. They are fraudulently charging people.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX {$100.00} N/A XXXX {$86.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX N/A XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XX/XX/XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax on XX/XX/XXXX I received a response from the company on XX/XX/XXXX which is in total violation of my rights. Equifax stated they verified the following inquires : XXXX XXXX date XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 1. Equifax did not provide me proof in writing how the inquires were verified. 2. I did not give Equifax written consent to furnish any thing on my consumer report. 
Equifax has violated my rights according to the 15 USC 1681 section 602A which states I have the right to privacy. 
15 USC 1681 Section 604 ( 2 ) a consumer reporting agency can not furnish any accounts on my consumer report without my written consent.
Product: Credit card

I am filing this complaint against Capital One due to ongoing and unjustified account restrictions, repeated document verification requests, and delays in processing my payments. 

Over the past two months, I have been asked to upload the same verification documents ten times, despite no changes to my account information. Each time, I am forced to wait 7-10 days for verification, only for the issue to persist. This cycle has caused significant inconvenience and disruption. 

Additionally, Capital One continues to hold my payments, even after successfully processing multiple transactions from my verified bank account. These delays are unreasonable, especially considering that my account and payment method were already verified multiple times. 

Despite my compliance with every request, I am repeatedly given the runaround without a clear resolution. I believe these actions are unfair, excessive, and possibly an attempt to delay access to my own funds. 

I am requesting the CFPB to investigate Capital One 's handling of account verifications and payment holds, as their practices appear to be unjustly burdensome and inconsistent with standard banking procedures. 

I appreciate your attention to this matter and look forward to your response.
Product: Debt collection

I have been contacted by mail from XXXX. representing National Collegiate Student Loan Trust. This os the same company that tried to collect from us back in XX/XX/XXXX At that time the company was also known as XXXX XXXX XXXX at law. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. To the best of my knowledge I nor my husband XXXX owe anything to XXXX.
Product: Money transfer, virtual currency, or money service

I looked at my PayPal account this week and it was empty. There should have been XXXX to XXXX in it. And they say it has been at XXXX since XXXX that is wrong it had money in it last week and has had money in it since I opened it in XXXX
Product: Mortgage

We had a financial hardship that started in XXXX were having trouble paying our mortgage to Wells Fargo Home Mortgage, but we never missed a payment because we were draining our retirement funds and getting assistance from family members. We first requested mortgage assistance in XX/XX/XXXX but were rejected because " Your current financial situation does not meet the requirements for a loan modification. '' We again requested mortgage assistance in XX/XX/XXXX. We also requested a short sale in XX/XX/XXXX and were approved on XXXX XXXX, XXXX. Another request for mortgage assistance in XX/XX/XXXX was rejected. In XX/XX/XXXX we requested a deed in lieu of foreclosure. In XX/XX/XXXX we sent a Homeowner Assistance Form, reiterated our hardship and had started accepting short-sale offers. In XX/XX/XXXX we also let Wells Fargo know we no longer wanted to pursue a deed in lieu but would like to continue with the short sale process. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Wells Fargo approved our pursuit of a short sale with authorization to list the house for {$360000.00}. We received XXXX offers for short sale ranging from {$360000.00} to {$380000.00}. Ultimately, Wells Fargo rejected each one and we were forced to go through foreclosure and bankruptcy. Until that point, we had never missed a mortgage payment because we drained our savings accounts and were receiving financial assistance from family members.
Product: Checking or savings account

I keep trying to use XXXX  to link my account to my external account ( XXXX  and XXXX  ) for transfers but it wont let me! It says the bank has to fix it but all my info is correct. It let me before now so idk what the issue is
Product: Credit card or prepaid card

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and come to an agreement to have the authorized charge to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a XXXX  XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my XXXX and Transunion credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my XXXX and Transunion credit reports. 

-My line of credit was not {$600.00}, it was {$800.00}.

-My highest balance was not {$410.00}.

-Status updated can not both be XX/XX/XXXX ( TransUnion XXXX and XX/XX/XXXX ( XXXX XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Product: Checking or savings account

Robinhood lured me into opening a robinhood gold account without telling me there will be a monthly charge of XXXX dollars. They started charging my account without me realizing until it reached low funds and now they want to sell stocks to cover the XXXX dollars. I asked to refund me the XXXX dollars for, the past month charges as they did this without my consent and the refused
Product: Credit card or prepaid card

On XX/XX/2022 EDD issued me {$3400.00}. Unfortunately, I did not know that I received this money due to an ongoing legal situation that I have with my personal belongings including purse, id, and credit cards being locked up and taken in a housing residence scam. I contacted Bank of America to let them know that I have no access to the card and because of the ongoing issue with XXXX Police Department and myself. They would not take a police report even after speaking with the Watch Commander. Due to the sensitivity of the case involving law enforcement I can not go into great detail. Card company sent pictures of someone at the ATM withdrawing money off of my card and it is not me. I have no idea who that person is but Bank of America closed my investigation I guess based upon the fact that they had some photos. Closed the investigation due to this and now I am homeless and without money and food. I am unable to discuss my issues with local law enforcement due to the ongoing legal battle. Bank of America prepaid processing will not even return my phonecalls. They refunded partial money thst was involved in the claim but did not refund ALL monies.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit has not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( XXXX ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX  ) this action might constitute fraud under both federal and state laws.
Product: Credit reporting or other personal consumer reports

I am writing this complaint for the second time. I contacted your organization a dispute last XX/XX/2024, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.
Product: Money transfer, virtual currency, or money service

I wired my money ( {$8000.00} ) to Coinbase USD Wallet. The money was successfully wired. However, after receiving the money, Coinbase requires me to give them my social security number to buy, sell, withdraw that money. However, I do not have an SSN, so I can not do anything with my money. I have contacted Coinbase via email on XX/XX/XXXX, but haven't received any response.
Product: Credit reporting or other personal consumer reports

I already filed one complaint you let them duck out of. They never returned my money from closed checking. There never was a credit card involved because they never finished getting checking set up. But they reported me in collections for a credit card on my credit report, which is a crime in itself. They offer up every excuse/roadblock known to man yet you've already busted them as they continue to jerk me and my credit report around. Meanwhile I just got awardes 100 % XXXX at Va for sarin gas exposure/ptsd. I'd like to thank you and chime for continuing to be part of the reason I can't get a home. Next holiday you'll all be faking a thank you to me
Product: Credit card or prepaid card

I opened an account on XX/XX/2022 with Union Bank the product was the XXXX XXXX and it have a XXXX days promotional balance transfer with XXXX fees, today XX/XX/2022 I call them to make a balance transfer and they told me I will be charge interest because today is my XXXX day. 

I want to add that since I made a dispute regarding a payment I made for the amount of XXXX on XXXX XXXX ( that haven't been posted to my account as XXXX XXXX ) they have miss lead me with the information about my account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Equifax has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Equifax failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Equifax has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Equifax should be held accountable for violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. I have contacted Equifax several times requesting these hard inquiries to be removed they have failed to remove. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report. 


XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016
Product: Vehicle loan or lease

Hi, my name is XXXX XXXX I purchased a car on XX/XX/2018 by XXXX XXXX XXXX in XXXX Ga. The loan company is called All Family finance. I put a {$700.00} down payment on a 2008 XXXX XXXX with an interest rate of 29 % on the XXXX, drove off the lot. I was two weeks later I put down another {$300.00} on the vehicle to cover taxes and registration. I was keeping up with my payment of {$240.00} every other week with an additional {$90.00} per month because the company would not take only liability insurance they required all car be fully insured which is not Ga state law and offered partial insurance coverage for the price of {$90.00}. I continued to pay my car payments as well as the insurance payment, also known as the CPI payment totaling to {$570.00} per month. 

In XXXX I had XXXX, to receive a XXXX  XXXX XXXX. In XXXX, I was terminated from my job and I got on unemployment. In explaining my situation to the company, I alerted them of my financial situation and how I was doing my best to keep up with the payments. I fell behind because my income from unemployment was not enough to cover my payment or living expenses. All Family Finance continued to harass me calling my family members, leaving voicemails and messages calling me up to 10 times a day. When I finally found another job I sent them a partial payment right away altering them of my new payment schedule. Thet continued to call non-stop and when I would offer to pay at least half of the payment amount they refused to take my payment over the phone. Last week they said my balance was {$1000.00} I paid half of {$540.00} and said I could pay the other half my next pay period. The next week a woman name XXXX from the repossession department called saying if I didn ; 't bring my car up to current they would disable my car and come and take it away. I pleaded with this woman saying I just paid her {$530.00} last week I needed to get to my next pay period but she refused to listen and said I had by Friday or they would come and pick my car up. Now my car is disabled and they are harassing me daily to pay the balance of {$540.00} dollars. 

I went through a financial hardship and I did my best to try to pay on the car at least half the payment every month. I am only one full payment behind and they are being extremely ugly. The amount I am paying on this car is 10 times worth the amount! it has XXXX miles when I got it and the balance on my loan is still at {$12000.00}. I desperately need help to get from under this situation.