23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened up my XXXX account and realized that my credit score had went down. I looked on my report to see what the problem was and saw their was a collection alert on my report. I don't owe anyone ; I know this for a fact. This debt is not my debt. I would like this debt taken off my credit report.
Product: Student loan

I completed my obligations as part of the XXXX XXXX XXXX XXXX program. My final and XXXX month of qualifying employment was XX/XX/XXXX. I submitted my Employer Certification Form on XXXX and it was signed by my employer XX/XX/XXXX and processed by Federal Student aid on XX/XX/XXXX. However, I was placed on the XXXX plan due to no action on my part and therefore my final XXXX " payment '' month doesn't count until and unless FSA processes my buyback/reconsideration request in a timely manner. The two payment periods before my final payment ( XXXX and XXXX ) are not currently displaying as counting due to errors on the Federal Student Aid site that happened because of the XXXX platform transition. I made an *on time* payment that posted to XXXX on XX/XX/XXXX but this payment hasn't been counted by FSA when XXXX processed my recent ECF ( XXXX month doesn't appear at all in their portal ), and I was placed on retroactive forbearance for 2 months a couple of days later to allow for the system to transition me from XXXX 's old site to their new one. I am worried the XXXX payment will be invalidated despite me completing payment on the qualifying SAVE plan ( at the time ) before the retroactive forbearance was placed on my account. I was also placed on a " processing forbearance '' several days later that same week but was sent notice from XXXX that the month of XXXX would count towards XXXX. My final XXXX month in forbearance on XXXX doesn't count because of the injunction. My request is to buy back the last XXXX months and have my XXXX payment counted as it should be on the FSA site. If I have to, I will buy back all 3 months again even the one I already paid for. I will do whatever is required to swiftly achieve discharge.
Product: Debt collection

Alliant Capital Mangement LLC has been calling after being told to stop verbally. Not only have they been calling me but they are calling my employer and harassing family members by calling them numerous times using different phone numbers.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL XXXX ACCOUNTS 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, states a consumer reporting agency can not furnish an account without 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, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-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: Checking or savings account

As of XX/XX/year>, capital one has been having technical issues. I did not receive my deposit from my employer on this bank. It worked fine with my other bank. Capital one stated they have an issue with the servicer they use. I am getting declined transaction notifications for the items pending to be paid out today because my deposit should have posted by now.
Product: Debt collection

I received a letter in mail from an attorney saying I am being sued by Wells Fargo, it is dated and states a judgement was made for a time I did not have a Wells Fargo account.I had only recently heard of Wells Fargo and opened an account for my husband and I and for my XXXX, .I had no other Wells Fargo account before XX/XX/XXXX.I have proof of everything and the exact dates, it is quite lengthy.I was in an accident in XXXX and could not XXXX for years, I recently started XXXX  in XXXX of XXXX. It was shortly after from when I had opened a Wells Fargo acct.The lawsuit says judegemet was made against me years ago in XX/XX/XXXX. I have no idea what this is about, they said they would garnish all my wages and property and belongings, my family and I have been homeless due to the devastation from the identity theft and me being unable to work did receive any benefits.I was a victim of identity theft more than once and reported it to FTC, I was even a victim of identity theft in my whole background, a lawyer contacted me about the XXXX case that wrongfully accused me as well.Please help me I am finally recovering physically and awakened to these debts I did not make
Product: Mortgage

Spent two days and about 3 hours trying to pay XXXX mortgage payment to Loancare. Attempted to access online web page only to get 505 error. Waited overnight and attempted to access to make payment still no access. Called and it didn't recognize my SS # which had previously. Was able to use SS # of wife which is odd. But still not able to pay nor access account. 
Transferring call to customer service and they wouldn't answer and call would disconnect and happened 6 times over an hour. Finally late in day decided to search XXXX and found group Loancare issues and was able to read over 800 members with issues similar and finally 1 post about a data breach/ransomware that occurred middle of XXXX. 
Point 1 - why were customers not immediately notified? 
Point 2 - led to believe the webpage updated I added banking information ( which I would not have had I known of breach ) This company owes each customer a grace period and no interest on the balance until the issue is resolved and account protections against loss of personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, the COVID-19 outbreak was characterized as a pandemic. This is the first pandemic known to be caused by the emergence of a new coronavirus. I have called Synchrony Bank XXXX. XXXX  XXXX XXXX, XXXX ROOMS TO GO / SYNCHRONY BANK XXXX. Just to fill you in. My account was never late. When I opened this account in XX/XX/XXXX. My line of credit was {$6500.00}. Since this pandemic hit the world I like millions of others have been out of work. On XX/XX/XXXX Synchrony bank has lowered my credit utilization ratio to Now on XX/XX/XXXX {$2700.00}. When I called bank she said I am sorry about you losing your job but would you like to pay your balance due? Nobody seem to be human anymore are they reading from a script? I will continue to pay my bill even if my kids don't have food. But Synchrony Bank will have their payment. Not, once did the representative said can differ your monthly payments for a couple months.
Product: Mortgage

On XXXX, XXXX after XXXX  court finalized and I stayed with mortgage, my x-wife name needed to remove from mortgage. I communicated Loan Depot and informed them about the court decision. Requested mortgage assumption to remove my x-wife name from the mortgage. They requested from me the list of the documents that including court decision with including child support evidence as income to help me out in this process. Also they mentioned that this process usually takes 60 to 90 days. I prepared every single document requested from me and sent it to Loan Depot on XXXX, XXXX with XXXX. I have waited for them to answer until late XXXX, XXXX, but never heard anything. When I communicated with representative said they received it but divorce document was missing, and requested from me to send them one more time. I prepared everything sent it one more time, but I was 100 % sure it was in the package, also questioned them if something was missing why Loan Depot waited for 90 days which assumption needs to be finalize??? I waited until XXXX, XXXX  without communication. When I communicated again they said I need to send documents again one more time for final review. When I asked representative the cost of this assumption, I have been told that it will be around {$3000.00}. I sent documents one more time. After representative came up with over {$8000.00} last minute request because of my income was not qualified, actually it was perfectly qualified because house payment less than % XXXX of my total income. But representative entered personal income and spending information incorrectly on documents that it has been evaluated. I was frustrated and unhappy about her irresponsible service and questioned her why she did not mention before about over {$8000.00} which needs some preparation. Also, I requested from representative to correct all income and spending information on my record. I questioned Loan Depot about how come FHA requesting from me over {$8000.00} for only my x-wife name removal, when my house payment is less than 30 % of my total income and property has {$140000.00} equity on it which never ever makes sense to me. No explaination given and they denied assumption. I have been told that manager XXXX XXXX will call me about situation. I called him multiple times but he kept hanging up phone to my face like making fun of me. Never call me back. 
One more thing because of I complained about representative XXXX XXXX, she made mortgage hard inquiry on my credit without my authorization and sold it to all mortgage companies around the United States. I received more than 200 phone calls since then and I still keep receiving. Unethical business practices.
Product: Credit reporting or other personal consumer reports

I have tried to resolve a MAJOR issue with Capital one yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an XXXX loan to save XXXX XXXX, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with XXXX and XXXX. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern ; I just try to see what is going on with my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Social security XXXX
Product: Credit card or prepaid card

To Whom this may concern I had been dealing with some bad Identity Theft issues from XXXX. I had my credit cards and bank accounts compromised with my Social Security as well. I've had accounts opened in my name fraudulently and someone trying to purchase a car with my information. Since then I had those accounts removed from my name and resulted in my favor. I was overseas in 2021 had my phone stolen along with my laptop as well. I found two more accounts that where compromised which are XXXX and XXXX XXXX. I've already finished my investigation with XXXX XXXX and got the account reimbursed and all my payments back that where taken out my account and got my XXXX account reopened. XXXX is giving me a hard time regarding these unauthorized these transactions and payments taken out my bank account. I was told I'm not responsible for unauthorized transactions yet XXXX wants to hold me liable. Since XXXX is making things difficult I've attached a FTC AND POLICE report showing proof I'm a victim of identity theft.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Radius Global Solutions. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Debt collection

The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. 

The collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters.
Product: Checking or savings account

TD BANK IS CHARGING ME NEARLY {$700.00} IN OVERDRAFT FEES. IV'E TOLD THEM OUR COMPANY HAS EXPERINCE COVID 19 HARDSHIP AND THEY REFUSE TO WAIVE ALL THE FEES. THIS UNFAIR AND WILL SEEK LEGAL COUNCIL
Product: Debt collection

I was called by a debt collector on XX/XX/XXXX to collect a debt I didn't owe. 

They used a name I don't go by, XXXX XXXX XXXX XXXX, that my parents have used on occasion in the past for certain things, but is not a name I use ever, and not my legal name. They also claimed 'they didn't have my current address so past forms weren't received ', though I have lived there for 4 years and have used only that address since. 

They referenced a medical visit that occurred last year on XX/XX/XXXX to XX/XX/XXXX, that I had previously paid all bills in full on. I had received medical care under my legal name, XXXX XXXX, under my current address, and all related bills and other info had arrived addressed as such. 

I stated clearly I didn't owe the debt and when the caller was persistent I gave them my address and told them to send me the info in the mail along with proof they owned the debt. The caller stated 'owe we don't own the debt ', but was still persistent in wanting to send me the info anyways. 

Today, XX/XX/XXXX, I have received the info in the mail, from a 'UCSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ', again, with the wrong name, with random charges on it, and I was insured at the time so if those charges weren't fraudulent, some of them would be taken care of by my insurance, and without the proof that the debt is owed. That is why I'm filing this complaint. 

Attached is the fraudulent debt from USCB, and an actual debt from the medical service referenced that has since been paid in full. 

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

Submitting a new complaint with Experian. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( Bankruptcy XXXX # XXXX ). Within XXXX days Experian responded stating that it was verified through the bankruptcy court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.
Product: Checking or savings account

I, XXXX XXXX, attempted to open a joint checking account at Chase Bank with my husband, XXXX XXXX, shortly after our marriage to deposit the checks that were given to us jointly although made out to one or the other of us. I went individually to the Chase branch in XXXX XXXX XXXX XXXX, and informed them of my wish to open a joint checking account. They said that was fine as long as my husband went into another Chase branch and finished opening the account. He went within two days to a branch by XXXX XXXX XXXX XXXX to finish opening the account, and was told by the representative there it was complete. I then proceeded to deposit checks made out to both him and me on the Chase mobile banking app. I deposited a total of {$5300.00}. Unfortunately, the person who was helping my husband did not actually complete registering him for the account despite telling him that he had, and so the checks I deposited that were written to my husband were marked as fraud. My husband returned to that Chase branch to clarify what had happened, we went together to a Chase branch in XXXX XXXX, NY to tell them and provide proof that XXXX XXXX was present with his government issued ID and saying it was not fraud that XXXX XXXX tried to deposit checks written to him from our wedding, and we called the complaint escalation number three times. We were told by everyone that the only way to resolve the fraud complaint was for Chase to contact the people who had written the checks I deposited under my husband 's name and confirm with them that there was no fraud. However, there were {$3100.00} worth of checks I deposited under my husband 's name, each one written in $ XXXX {$300.00} increments, and none of our wedding guests picked up the phone when Chase tried to call them to clarify. As far as we know, they called from an unknown number and Chase would not tell us if they left a voicemail. They also wouldn't tell us if they tried to call the wedding guests more than once. Chase closed the account, refunded me the checks written out to me ( for a total of {$2200.00} ), but still over a year later has not refunded the {$3100.00} in checks written to my husband that I tried to deposit because of this theoretical concern of fraud even though we clarified with them that there was no fraud. The issue was ultimately Chase 's mistake because an employee at their XXXX XXXX branch did not register my husband to the account despite verbally telling him that he had. Chase have given us no alternative path to resolution and has told us that there is no one higher in the organization that we can contact. They have held our {$3100.00} for over a year. 

The account was a Chase Total Checking account number XXXX.
Product: Credit card

American Express refuses to honor a promotion that I signed up for with a value of XXXX points ( approximately {$200.00} ). The promotion was emailed to me on XX/XX/XXXX and was also advertised in the Amex mobile app. I satisfied all conditions of the offer and have not received the bonus. After contacting them several times, they refuse to award me the points. 

The offer : Add Additional Platinum Card Members through this email by XX/XX/XXXX and earn XXXX Membership Rewards Points after the first Additional Platinum Card Member spends {$2000.00} on eligible purchases on their Card in their first 6 months of Card Membership. 
Add an Additional Platinum Card or a XXXX XXXX XXXX for someone you care about by clicking the link below.
Product: Credit reporting, credit repair services, or other personal consumer reports

My girlfriend and I both have a mortgage loan through XXXX XXXX. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.
Product: Money transfer, virtual currency, or money service

I'm reaching out as there was {$37000.00} taken from my Account by PayPal after I was promised my funds back after the 180 day hold Firstly my Account was put on a rolling reserve due to an increase in claim backs due to the significant delays for shipping caused by COVID Following this my Account was suddenly closed and funds were put on a 180 day hold without any information as to why this was done To my surprise after looking into it, I found this was a common issue and something PayPal has been doing for a while without any explanation I sent several emails to PayPal to find out why this hold was put in place but never received a response I was patient and waited the 180 which just ended today and to my surprise when I re opened my Account and the {$37.00}, XXXX was removed from my Account by PayPal. There was not a single email sent to me infrom me this has happened, let alone why! 

I called PayPal as quick as I could to be told by Paypal staff that I breached the Policies because I was selling drugs and cigarettes and PayPal has taken the {$37000.00} as compensation. " I had no need to be informed as I breached their policies '' and there was no allowance for any clarification on my end There has never been a trade of any of these types of products and I made it very clear what I was selling through PayPal with several conversations with their staff and through the initial application process where I provided my webiste which displayed the products and explained the nature of the products They classified the products we sold which were 'XXXX XXXX XXXX ' with cigarettes and drugs and thought they could just take the money I had in the Account under their simple answer of " you breached our policies '' I want to do everything in my power to have my money returned as just taking all my money without any indication, reasoning or any form of communication at all is absolutely wrong I really hope you 's can help me with this Thanks