23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used the " pay a friend '' feature from my XXXX bank to send my mother {$800.00} in XXXX. When she entered her Capital One account number and routing number, she transposed the last two digits of the account number and the money left my account, but never made it into hers ( I have the tracer number from XXXX, the routing number, and the incorrect account number ). She has spent hours on the phone getting various answers and her claim continues to be denied. Most recently she was told she needed to go back to XXXX for a letter of indemnity. After 3 months, this is the first time we have heard about this letter. Likewise, XXXX says we need to go to Capital One and Capital One says we need to go to XXXX. 

She is a vulnerable, XXXX XXXX  woman on a fixed income who needs this {$800.00}. On top of everything, she had XXXX in the middle of this ordeal. She is not able to continue to be in this loop that brings her frustration and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion LLC, pursuant to the FCRA, and provided the notice required by law, requesting that the credit reporting bureau investigate and remove unauthorized inquiries from credit report. 

Instead of properly investigating the matter and requiring the creditor ( s ) to provide documentation to substantiate that the creditor ( s ) provide the mandatory documentation that substantiated that the creditor ( s ) had legal authorization to access my credit report, TransUnion LLC, merely responded with a letter ( File Number :  XXXX ) attempting explain what " permissible '' purposes that a creditor may access a person 's credit file and did remove nor provide any evidence that would remotely suggest that they engaged in a proper investigation, as they are required to do by law, much less, that TransUnion LLC, had obtained proof from any of the creditors, named in my dispute, that would prove that the creditor ( s ) had obtained authorization from me to access my credit file as the law requires. Therefore, TransUnion LLC is in violation of federal law by continuing to report these unauthorized, illegal credit inquiries.
Product: Student loan

I have had private loans with Navient since 2007. In the 16 years I have had these loans, I have used up all of my forbearance allotment - I work for a Nonprofit and cant always make payments. I still owe over XXXX. I have been on interest only payments for a while. Interest only went from {$100.00} a month to almost {$200.00} a month very recently- without a reasonable or consistent explanation. I contacted Navient and was completely honest with them - I can pay no more than {$150.00} a month. 

There were XXXX options for me. I told them I would be forced to just not pay. 

Now they call me multiple times a day starting at XXXX. I talk with them for over 45mins at least XXXX a week, explaining the same thing over and over. They cant offer any solutions that work within my budget. And the calls keep coming. The company has no way of working with me to find a solution. 

They suggested that I apply to refinance with NaviRiFi which I did and I was denied a refinance loan - leaving yet another negative mark on my credit report. 

They offer no solution to my issue. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a new credit inquiry on all my credit reports. About a new application for Capital one bank. I didn't make these requests and my information is compromised.

Cap One NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Mortgage

After submitting a complaint when the company incorrectly drafted my payment on the incorrect date, the company has now retaliated by locking me out of my online account. I have no access to my payment history, my statements, or my escrow account.
Product: Debt collection

I had a debt collector reach out about a debt. I informed them that I was scammed and didnt make those charges so they reached out to discover. Discover sent me a copy of charges and its XXXX  of dollars in fees. It shows no actual charges. I had a couple online charges I did not make and the company refused to do anything about it. They are trying to garnish my wages.
Product: Credit reporting or other personal consumer reports

Today XXXX XXXX derogatory marks have been deleted from XXXX credit report as a result of their investigation. Where as the XXXX derogatory marks that have been deleted off of my XXXX report are still showing on my Equifax and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX
Product: Bank account or service

Closed Account and TCF is claiming negative XXXX. Never had a write off.
Product: Mortgage

On or about XX/XX/2020, a representative from XXXX XXXX contacted me by phone and said they were following up with me on a request I made to my mortgage company to lower my monthly payments and assist with the loan modification I had requested with my mortgage company First Continental Mortgage on or about XXXX or XX/XX/2020. They said they could help me lower my interest payments and monthly mortgage payments. 

I sent them all the financial items listed in their email and formally requested assistance with loan modification or refinancing. They stated that I had to pay 3 consecutive payments of {$22000.00} per month using 3 separated post dated checks. I wrote them 3 checks for XXXX, XXXX, and XX/XX/2020. In XXXX I was contacted by First Continental Mortgage stating I had not made any payments and my escrow was now behind. I sent them proof of the 3 payments and my bank statements to show what and when I had made the 3 payments. First Continental stated they never received them and I now owe {$1700.00} in escrow due immediately. I paid the {$1700.00} the next day to cover my escrow. First Continental confirmed they received that payment. 

I told them about XXXX XXXX and they suspected fraud. I began making payments to First Continental again in the amount of {$2800.00} payable by cashiers check, I made 5 payments totaling {$14000.00} to First Continental. I also requested a forbearance or loan modification with First Continental on our about XX/XX/2020. I submitted all the financial documents and now they wanted payments of {$2900.00} mo. I said wait, I can't afford the payments I have now and I've asked for a loan modification to lower my payments, why are the payments increasing? 

Then I received a letter returning XXXX of my cashier 's checks that I sent to First Contenintal Mortgage. They are no longer accepting any payments from me and I can't get anyone to respond to emails or phone messages. When you call each call lasts a minimum of 45 minutes and then it disconnects. No response. 

I am the sole XXXX  of my XXXX year old elderly mother and I help my son take care of my XXXX year old grand daughter. This is our only home and I'm scared we are going to be foreclosed on due to fraud or foul play. 

All we are asking is for assistance to refinance the mortgage to lower the payments to a total {$2000.00} including escrow.
Product: Debt collection

I have been contacted at my work by this company RMS, they are a debt collector trying to collect a debt for XXXX XXXX XXXX XXXX XXXX. XXXX. They said that a settlement has been approved and that if I pay them XXXX the remainder will be waived. 
I contacted the school and asked about this company and they have no information on it. This company 'RMS ' has now contacted me three times at work after I asked them to not contact me. I have no idea how they got information on where I work and neither does XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX had no information on my job location. I feel harassed at this point.
Product: Debt collection

Acct Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # {$670.00} Date Opened XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

Its the constant calling everyday for 3 months back to back. Attacking me for something I dont have control over at this point. Ive lost people, jobs and it all due to COVID. These people are very difficult to deal with. I really would appreciate it if it stops.
Product: Bank account or service

Wells Fargo : Mother died in XXXX of 2016. In her belongings was an inactivated credit card. All her accounts were closed and notice of her death provided by the end of XXXX. In XXXX a credit card statement was received with a " XXXX balance ''. XXXX separate phone call attempts were made to a number given to deal with the credit card. Each time the automated voice comes on and states " no one is available to answer your call '' it gives the hours of operation. The calls were made within those hours and days. A call was then made to Wells Fargo Customer services. Which said it had to be handled by the credit card services and I was transferred to a person ( XXXX XXXX XXXX ) who said she could not access that account and sent me to a third number which answers with " no one is available to take your call '' and it just hangs up.
Product: Checking or savings account

I received a letter by Bank of American in XXXX XXXX that my account was being closed and within 2 weeks I would receive via check the current balance. I knew the account was closed earlier because I couldnt have access to it. I have talked to customer service agents at branches and also by calling the 1800 number and still today XX/XX/2021 havent received my money.
Product: Debt collection

Capio Partners , LLC is trying to collect {$2500.00} from me that I do not owe. On XX/XX/XXXX and XX/XX/XXXX, two claims arose for medical treatment I received vis XXXX XXXX XXXX XXXX. During the entirety of XXXX, I was covered under Illinois XXXX, which the State of Illinois confirmed with me yesterday, XX/XX/XXXX. XXXX XXXX sold this debt before the state of Illinois was done processing and paying these claims. The state of Illinois told me to have XXXX XXXX XXXX XXXX  submit these claims again, but they can not since the debt was sold. Now Capio Partners , LLC has been trying to collect from me instead of the State of Illinois. They've contacted me and family members, even telling them they will sue me and have reported me to credit agencies.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly, they violated my rights.
Product: Debt collection

I now have a collection on my XXXX Credit report listed under Radius Global Solution.

This is NOT MY Account or a debt that I ever owed. I have contacted XXXX to file a dispute, but have not heard back from them. I was a victim of identity theft several years back and I believe this another debt collector attempting to collect for a debt that was never mine to begin with. 
No one from that collection agency has contacted me at all. It has all of a sudden shown up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. There are a lot of accounts, incorrect addresses and names mentioned on my credit report for both XXXX XXXX Equifax that I do not recognize. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In equifax current Credit report # XXXX summary shows 3 accounts with negative information, however after reviewing the 105 page report, I can not find anything that is considered " negative ''. What I did note was a missed payment on account XXXX which was closed and payed. There are NO designators to show a negative designation. 
My opinion and concern is that creditors are mislead by the summary of 3 negative information, and make their decision based on the Summary, since I don't believe lenders will review the data. 
In Credit report # XXXX ( wife ) it shows in the summary 1 account with Negative information, review of the 52 page report # XXXX incorrectly/improperly and erroneously reported in payment history. The designator is incorrect showing payments for XX/XX/XXXX and XX/XX/XXXX, when NO such payment was ever made. As a matter of fact XXXX XXXX XXXX has reported that there was NO payments due from XX/XX/XXXX to date. The payment history in report shows payment from XX/XX/XXXX to XX/XX/XXXX. 
The improper reporting, the lack of promp update of the file, coupled with ONLY a summary that is incorrect and does NOT reflect the TRUE status resulted in XXXX XXXX action of reducing available credit from XXXX to XXXX and possible other unknown lenders misconception leading to denials of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and now my private information is public.
Product: Money transfer, virtual currency, or money service

Hello Dear CFPB I am writing to ask please assist me to reopen my paypal account which is registered under : XXXXXXXXXXXX. I opened account with paypal with all terms and conditions. One day i got email verify my identity and explaining what transaction i was doing. I said i listed used items on XXXX and sold it there, since i do not accept cash buyer wanted to pay me with credit card and i had no chose to offer him pay by paypal. I accepted money and as all normal people disburs to myself in my checking account. After couple days i got this message. 



You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I have done nothing wrong and i feel its unfair to close my account for only reason i accepted payment. Please assist me to reopen and have paypal account because they are largest in the market and if i do not have it i can not even sell anything in XXXX they are monopoly in XXXX i have no choice. I think its not ok to not give option to your clients. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? : I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the  GAXXXX XXXX for down payment assistance for XXXX workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW ACCOUNTS HAVE BEEN ACCESSED MY CREDIT PROFILE WITHOUT MY PERMISSION AND WITHOUT MY KNOWLEDGE. I WOULD LIKE FOR THEM TO BE REMOVED FROM Y CREDIT PROFILE.

THESE INQUIRIES ARE BEING IMPROPERLY DISPLAYED ON MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED ENTIRELY.

XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry XXXX XXXX XXXX
EQUIFAX XXXX  Inquiry XXXX XXXX XXXX  EQUIFAX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX	EQUIFAX XXXX XXXX -	EQUIFAX XXXX XXXX -, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX	EQUIFAX XXXX XXXX	EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  Reported On XXXX XXXX XXXX XXXX XXXX  Reported On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX
Product: Debt collection

Dear CFPB Representative, I am writing to formally dispute the reporting of a charged-off account with XXXX XXXX XXXX  in the amount of {$520.00} on my credit report. This charge-off is being improperly reported in violation of federal law, and I request that it be investigated and removed. 

According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), and 15 U.S.C. 6805, which governs financial privacy, a charged-off debt that has been sold or otherwise canceled is considered a certificate of indebtedness. This means the debt is no longer collectible in its original form and, if a 1099-C ( Cancellation of Debt ) has been issued, it is reclassified as income for tax purposes. Income can not legally be reported as a delinquent debt on a consumer credit report. 

By continuing to report this account as a charge-off rather than properly reflecting its status as canceled debt, XXXX XXXX XXXX and the credit bureaus are engaging in misleading and potentially unlawful reporting. This directly impacts my creditworthiness and financial standing. 

I am requesting the following actions : 1. Verification of the Account : Provide evidence that XXXX XXXX XXXX  still legally owns the debt and has not sold or canceled it. If the debt has been sold, the reporting must be corrected. 
2. Correction or Removal : If the debt has been charged off and reported as income to the IRS, it must be removed from my credit report in compliance with federal law.

3. Immediate Investigation : I request that CFPB take appropriate action to ensure that my consumer rights are upheld, and this matter is resolved in a timely manner and that I be compensated. 

Please provide a written response within 30 days detailing the actions taken in response to this dispute. If necessary, I am prepared to escalate this matter further. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This Rescission notice is made Pursuant to 15 U.S. Code 8 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions. 
I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( 1 ) ; Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law : You DEALERSHIP also accepted a CASH down payment of {$10000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.This contract is fraudulent
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX issued me a loan of {$2500.00} XXXX in XXXX had me sign an electronic signature and went through everything fast and in the middle of the store for everyone to see. I did not notice the 152 % interest when I signed and was not told that was the rate. This is a violation of heart laws and should be stopped. I will pay {$8000.00} for a {$2500.00} loan. This is ridiculous. They also were suppose to debit the first 3 payments and have yet to do the first one which was due on XX/XX/19 this is the XXXX. I cant reach anyone when I call the number. Please investigate this company.