23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

in XXXX Equifax had a data breach. I called in XXXX, XXXX and was told no I am no part of it. I finally got sick of accounts and inquirys being opened and checked the extended Equifax breach site for those still missing restitution. I never received the initial payment because I was told I was NOT PART OF IT. I cleared my record borrowing money, store cards, banks, you should be able to find the XXXX to the current date that I am trying to clear up. 
The head attorney is such an XXXX. I was XXXX until XXXX but then XXXX. I fought a medical bill from XXXX when I was XXXX in XXXX, XXXX XXXX or XXXX or something. They finally discharged the debt last year. So I have been fighting this well over the 20 hours that he promised me at XXXX an hour and any proof that I can show for computer or bills... I can provide statements of internet if XXXX has them still and XXXX  as well. I am being cornered into accepting bad credit history or none, with account that are secured but overdrawn? I didn't know you could secure a card for XXXX and spend XXXX I thought that was the point to build credit. Those card most closed within the window, or evenif they didn't I was lied to by Equifax about the databeach twice. He promised XXXX if I didnt pursue the other statements so I can gain payment faster. I haven't worked in 6 years steadily due to medical issues that I am have a SSI case over. I have skeletal deformatiies and joint deformities. No one will hire me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I cant remember my childs birth, wedding, or to do daily tasks. My wife does everything. This is preying on someone who made a mistake and had health issues occur that put him in a position of not being able to fight back. The attorney is a liar. He talks rudely, promises compensation after conversation then sent me a XXXX prepaid settlement card. 

Id rather leave my son at the age of two and end my life than bond with the person who made me a better man with failing health. I cant do this. IF anything happens to me. Its equifaxes fault for not notifying me. I cant open cards or tax information in prison. they dont allow it. I wasn't aware there was a data breach in XXXX because i was in XXXX. I found out and was lied to three times now. My SSN, sons SSN, address phone family info is all on the XXXX XXXX  I cant process mentally how to resolve this and he is preying on it. 

He told me that the judge hearin the Equifax breach case would hear of 10 accounts cleared that they take 3 minutes each. 
Are you kiddng me? I had to take photos, show XXXX pictures write affidavits. I spent YEARS CLEARING MY HISTORY TO HAVE IT COME BACK LIKE THIS. I dont have ssi, I cant work, I cant pay. Ill give you my body if thats what you want. Your responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corporations and financial institutions, Credit card company that was closed out after debt Was satisfied and continue to false reporting to the three credit agencies, XXXX, XXXX and XXXX, 1.  XXXX visa credit card not belongs to me and was on the reporting since XXXX or Before account closed still reporting,. 
2. XXXX XXXX XXXX false reporting after debt was set off. 
3. XXXX XXXX located Texas carried out wrongful Grand Thief Auto without any Warning or notice after debt been set off back in XX/XX/XXXX. 
4. Few inquiers like mortgage loans which does not belongs period and other inquiers And we write them many letters and they come off one month and sneak back on the next month and refuse to validate the debt as we reach out many times. Paid credit repairs Company only to continue capitalizing XXXX from us and my good credit score of XXXX is now In the XXXX 's score due to all false reporting. I am the real party creditor file XXXX with Department of state which now have full faith and credit by the state and if the three credit Bureau continue to give false reporting their should be lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX. I have complaint against chase bank. They are saying I made electronic payments which has check numbers next to them on my bank statement. I asked them for photo copies of check payment XXXX but they have said I have made those payments electronically so there is no copy. But my bank statement is saying there is a check numbers. I already tried contacting cfpb about this and they have saidXXXX, XXXX was not posted. I attach following evidence. I filed previous complaint number XXXX about this. They have these checks were not posted.
Product: Credit reporting or other personal consumer reports

My account was affected by a data breach due to Equifax, XXXX, XXXX,
Product: Checking or savings account

A company added a XXXX surcharge for using my debit card. I did not realize this until I got home and looked at the cash register receipt. XXXX XXXX XXXX does not allow any type of surcharge on Debit Cards and the company that surcharged my debit card is aware of this fraudulent surcharge. the ability to surcharge only applies to Credit Card purchases, ( NOT DEBIT CARDS ) this can be verified by calling XXXX XXXX XXXX at XXXX. I filed a complaint with my bank and they ruled against my claim because I signed the receipt and they decided to ignore the fact that it was a fraudulent charge. I called the bank on 3 different occasions and asked them to send me the paper work that was filled out by the bank and was used to make this decision and still have not received any answers and 4 months have gone by.
Product: Student loan

Hello, I make regular payments to my student loan. The loan was originally made through XXXX, but has since been bought by MOHELA. All payments I make to MOHELA, whether they are over the amount due or in advance of the due date, are applied to interest in their entirety. Not XXXX is applied to the outstanding principal balance. I have attached a statement for reference. 
Thank You
Product: Debt collection

check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX  mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU
Product: Checking or savings account

The company decided to close my account due to an alleged violation of the account as they stated. After being made aware of what was going on the following day, I sent them over everything they requested, including a ID front to back, me holding that identification, 1099G, check stubs and verifications of the deposits. After sending this verification to them, they stated that they were reimburse the remaining balance out via check, and that I had to identify my new address, which I sent in my utility bill and also my identification again front to back and also me holding that identification, I got in contact with Customer Service because After receiving the utility bill and my identification they were supposed to verify that they were reimbursing my check out to the correct address. Nothing was sent out and now were in the same situation as my initial complaint I filed about chime not wanting to reimburse my refund out to me. I am reaching back out to you guys and hope to not have to take further legal obligations to receive my reimbursement of my remaining balance thats being held with chime.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that XXXX credit reporting agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A credit card account was opened with XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. XXXX. An account was opened at XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a copy of my FICO credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, or collections, as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Vehicle loan or lease

I make my payments early and on time it's a fairly new loan but the interest rate charges make no sense when I first got this loan they sent a video stating that if you pay on time more of your money goes to the principal and less to the interest rate so this month I paid early and on time and their saying they had to charge me for 35 days of interest which makes no sense to me this cant be right. Please help me resolve this matter
Product: Money transfer, virtual currency, or money service

Hello, My problem is with Paypal, it's the only way my clients pay me for my illustrations and all my money is there. On the XXXX of XX/XX/2020 I received an email from Paypal saying that my account was limited, which mean I could not transfer my money from Paypal to my bank, neither my clients cold make me payments. They asked me to submit documents, didn't say what kind of documents. I submitted a copy of my tax number and I explained that I use the service to get payed for my illustrations. I also asked the reason why my account was limited. I submitted the document on the XXXX because I couldn't find on the website the tab to do it, as the link to the page was broken ( see screenshot ). I received an email from Paypal saying that they would review my case and I should expect an answer in up to 5 days. After 5 days, noticing that my account still limited, I made a complaint on their " help center ''. They asked me to wait up to 72h for their answer via email. Never happened. I sent other messages and on one of them the agent said that my case was escalated on the XXXX and they started to count from that date another 5 days that I suppose to wait. Meanwhile, my clients couldn't make me payments, I didn't have money to pay my rent and my electricity ... I sent an email to XXXX, that suppose to be the area of Paypal where you make complaints about Paypal, no answer ... I don't have any money on my bank account, all my money is blocked with Paypal and I don't know what else to do, please help me. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX XXXX. XXXX  XXXX XXXX # XXXX Have 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 an account without my instructions
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery on numerous occasions has attempted to collect a debt that was not mine. They have two accounts at their office. They report it for a XXXX card and XXXX XXXX credit card. 

I sent letters in XXXX, XXXX, and XXXX disputing the debt with them and with the credit bureaus, but continued to receive letters in the mail and phone calls. 

I've requested that the accounts with Portfolio Recovery be removed from my credit report because the debt could not be verified.
Product: Debt collection

XXXX XXXX XXXX, In XXXX, NM, Trying to Collect a Debt Owed to XXXX XXXX XXXX for {$2200.00}, I had them listed on XXXX XXXX XXXX Who Was Making Payments for me Since last year, I Just found out that the XXXX XXXX XXXX XXXX, Didn't Take me Out of Collections and After Paying off 30 % of the Bill, That they Were Collecting on Over {$3000.00} dollar 's! So I have Stopped Paying them, Because they are extorting money from me for more than I owe on the debt, This is Illegal and I don't know who are how to do anything about this! But I Want This Debt Ended for What I Have Already Paid and if Necessary Charges Brought Against them for Fraud and Extortion,
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized Alley Financial - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX  / {$400.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX  XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}
Product: Credit reporting or other personal consumer reports

The account XXXX, is currently being reported INACCURATELY by the creditor. The vehicle attached to this account was repossessed on XX/XX/year>, between the hours of XXXX. 

However, the creditor 's reporting of the account for the months of XXXX & XXXX, show " CHARGE-OFF '' as the account status. This is grossly INACCURATE. 

A " CHARGE-OFF '' implies that the vehicle has not been recovered, which is incorrect in this situation. 

Due to this INACCURATE reporting, which violates my consumer rights, I am requesting the account be removed from ANY & ALL consumer reports.
Product: Mortgage

Acopia refuses to correct its record to reflect my correct payment dates. My XXXX and XXXX payments were cleared/received by Acopia on XXXX XXXX and XXXX XXXX, respectively ( which Acopia acknowledged ) ; however, Acopia recorded my XXXX and XXXX payments as XXXX XXXX and XXXX XXXX, respectively, and refused to correct its errors. The reason Acopia gave me is that its prior servicer forwarded my XXXX payment to them on XXXX XXXX and it applied my XXXX payment to XXXX 's balance due. The fact that Acopia changed it 's servicer is not an excuse to record my payments inaccurately. I paid my mortgage payments timely, and now Acopia recorded it as late. Although no late charge was assessed, I can not accept the incorrect recording of my payments, which would probably affect my credit history. I have brought this matter to Acopia 's attention since end of XXXX when I did n't see my XXXX payment on the XXXX statement. Numerous follow-up were made since then. Acopia acknowledged that my payments were received on XXXX XXXX and XXXX XXXX but refused to correct it 's accounting errors : their records are now showing my XXXX and XXXX payments were received on XXXX and XXXX, instead of the correct dates of XXXX and XXXX. Attached are two sets of recent communication with Acopia.
Product: Consumer Loan

XX/XX/2016 my husband was involved in a red-light accident, through no fault of his own, in which the vehicle was totaled. This vehicle was leased with Capital One Auto Loan division. The insurance company paid fair market value to Capital One, leaving us with a {$2500.00} balance. We did not receive any information from Capital One and found that our online account had been closed. We contacted the bank and found that we have about 120 days to pay the remaining balance. I explained to the agent that this was not possible as this would raise our monthly payment to over $ XXXX/month, double the amount than our normal monthly payment, and that this would be a financial hardship for us. I asked for an extension, and was told that none is available and that once the time-frame runs out, the account would be reported to the credit bureau as a charge off. 

This is completely unfair. My husband was at a red light, and a teenager texting and driving slammed into our vehicle. My husband has sustained serious injuries and is frequently out of work due to the injuries. We have a young child in day care, and have our normal monthly bills to still take care of. I asked for a XXXX to call me back to see what could be done, and I have not been called back as of yet.
Product: Mortgage

Had trouble at a earlier time after loosing job. Was allowed to make loan current through a reassessing process. My escrow wasn't made current through this process and I only recently found out that it wasn't part of the $ XXXX monthly. Someone in escrow department decided it was a smart idea to make my combined payment over $ 1000 monthly when it was determined I was marginal at the time of the reassessment for being qualified for this help. Now Umpqua Bank is taking my $ XXXX  monthly payment, not allowing my mortgage to be paid and and holding monthly payment in limbo. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX umpqua bank XXXX # XXXX umpqua bank XXXX Box XXXX XXXX, WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To wh om it may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a   XXXX   balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court paper against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance should be remove/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts   XXXX   XXXX   XXXX   :  Account #  XXXX   XXXX   XXXX   XXXX   Account  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   SD   XXXX   Thank you