23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
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Product: Debt collection

On XX/XX/XXXX at XXXX, I received a text message from XXXX that stated : Your past due account has been red flagged to be reviewed by our legal network for possible lawsuit.To resolve voluntarily on your own behalf and avoid further action call XXXX Send STOP to opt out. Theres no info provided about who is texting or what company is trying to send an account to their legal network. On XX/XX/XXXX at XXXX, I called the phone number provided. The first time no one answered, so I called again and got in contact with XXXX who XXXX they were a debt collection agency named Structured Settlement on behalf of Check N Go. He then transferred me to XXXX with the XXXX XXXX Department. Her phone number is XXXX ext XXXX. XXXX was IMMEDIATELY hostile the moment I began asking questions. I simply did not recall the information or interaction with the company and was asking for clarification and additional information. She immediately began grilling into me and yelling at me asking why would I admit to the debt and set up a payment plan with them in XX/XX/XXXX and the payment came back as insufficient funds. And when I asked for a debt validation letter she yelled at me and said, Go look at your credit report, thats your debt validation letter. 
After some back and forth, I decided to set up another payment plan, because XXXX claimed that my account was going to be forwarded and I would be sued for the debt tomorrow XX/XX/XXXX. Under the FCRA, I am entitled to the information I asked for and I was refused. And I still do not recall ever interacting with this company for debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 applied for a vehicle loan. Eventually, that day loan was approved. However, several days later, I received a letter from XXXX XXXX. 
Indicating they were unable to approve my loan based on information received from Early Warning Services. Early Warning inaccurately and falsely reported that I have Serious Delinquency on my file! 
I wrote to Early Warning, ( XXXX XX/XX/2020 ) enclosing the letter from XXXX XXXX, with my information on that document. Address, phone number, date of inquiry. 
I told them that I have absolutely no delinquencies any where on my credit file, much less any indication of serious delinquency. 
Early Warning declined to take action ( their letter of XXXX XX/XX/2020 ), indicating that I needed to submit to them more personal and identifying material. I have not responded to that request because they were able to provide false information about me without additional identifying information and they must correct their false information.
Product: Money transfer, virtual currency, or money service

I tried to pay someone with my Venmo account and they froze it for no reason. I cant get them to respond and I have no idea why they froze it.
Product: Consumer Loan

I received a deposit of {$5000.00} on about XXXX XXXX, 2012 for the the loan amount of {$5000.00} minus a {$75.00} processing fee held by Western Sky. I made payments of {$560.00} and XXXX payments of {$480.00} in monthly withdrawals debited from my account until I stop the withdrawals from my bank. I paid a total of {$8300.00} for a {$5000.00} loan with an interest rate of 116.57 % for a total payments to them of {$40000.00} for a {$5000.00} dollar loan. My loan agreement was with XXXX, later sold to Western Sky, and later sold to Delbert services and I have lost track how many times my loan was sold. Looking at my credit report Delbert Services have reported me to the credit union.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX  emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card or prepaid card

For the Tax year XXXX, Discover Bank Credit Card Department reported a large debt to the IRS via 1099-C, Cancellation of Debt ( see attached documents ) which I am totally not liable for because there were many unauthorized credit card transactions after my then Discover Credit Card information like card number, security code, expiration date and including my full name and address on file with this company was stolen and or compromised. 
I have made several attempts to try to get this bank to remove these items from my account and they did not. Moreover, this bank sent this debt to collection department and eventually to the credit bureaus and there those negative items severely damaged my credit profile and rating and it took me many years to try to re-establish my credit. 
I gave up re-disputing this issue directly with Discover Bank. This bank stated that this 1099-C was correctly issued but I disagree because I do not owe them. There were fraudulent transactions made on my account period. 
This bank can not collect this debt and as well as reporting it to the credit reporting agencies and I totally get that and thank God there are laws in this country to protect little guy like me against these giant and greedy companies. As you can see the IRS has charged me alot of money simply because this was not reported on XXXX Income Tax Return and I would not have known to report because I did not receive mail from Discover Bank since my account was closed in late XXXX to early XXXX if I remember correclty
Product: Checking or savings account

on XX/XX/18 i signed up for a promotional account with citizens bank allegedly {$200.00} received for opening a " one deposit checking '' account if you set up direct deposit and made one deposit of {$500.00} in 60 days of opening account. on XX/XX/18 i made a direct deposit of {$500.00} to the new account. I contacted them at the end of XXXX and they replied 1 month later in XXXX and stated they had up to 145 days even tho the advertisement says 90 to pay out the promotion. In XXXX i went to the physical location rt XXXX XXXX NY and spoke to a bank teller showed them my correspondence with the bank and with my promotion. The teller said she thinks ive met the requirements and that it would most likely be paid nearer to day 145 like the message said when i had first inquired. Today XX/XX/18 i attempted to contact the bank again to ask if this would be paid out and they transferred me twice the second time hanging up from a hold system i called back and was informed the wait would be greater than 30 min so i sent them a online message from their web page and went to CFPB to file formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.
Product: Debt collection

callback number XXXX called from XXXX got a message from " XXXX '' from unidentified business speaking of a " financial matter. '' didn't say anything about the business she was calling ( mine ) or the business she was representing. this scam dates as far back as 2017, clearly nobody has any intention of putting a stop to it. 
https : XXXX? XXXX
Product: Mortgage

I requested a payoff that was good through XX/XX/XXXX -- -funds were received in the total amount. I was in a hurry to pay off because the loan was to be transferred. The funds cleared my account XX/XX/XXXX. The amount of the full payoff was included and cleared before the payoff expired. 
A principal amount of {$83.00} was still showing. Someone was supposed to call me back several times but never sent a resolution. From the payment history, it appeared they deducted the {$83.00} from my escrow and zeroed the balance. However, I called to check today and the balance that was paid was transferred to the new servicer. I feel like my complaints are falling on deaf ears. 
Complaint on new servicer coming soon! 
Thanks,
Product: Mortgage

Carrington Mortgage Services failed to send my billing statement after purchasing my loan from XXXX, if you google 'complaints against carrington mortgage ' on just one site you will see a heading of XXXX complaints about this and foreclosing on people who had never been late. My loan is my Veteran 's Home Loan and I notified VA Secretary XXXX XXXX in XXXX, his staff advised me to contact you for help. I have attachments. It cost me {$35.00} to overnight my payment timely to keep them from pulling this stuff on me, XXXX dollars was for faxes. XXXX XXXX Veteran XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX and XXXX have violated my rights by the way of reporting fraudulent accounts. The list of accounts below are reported by TransUnion and XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. which protects my right to privacy. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are the accounts reported by the above mentioned credit reporting agencies.. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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. 

As a result of TransUnion and XXXX violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.
Product: Credit card

I was closing a checking account with Wells Fargo and there was a charge on my account which was charged to a credit card since the checking account was being closed. 

That charge was treated as a cash advance from the credit card company. I asked how I can pay off this cash advance and not be charged monthly interest, and I was informed that the only way to pay off the cash advance and avoid the interest is to pay off the whole balance of the card, which is over {$12000.00} to pay a cash advance charge of about {$50.00}. 

The card has an introductory purchase XXXX of XXXX XXXX  and my balance is very high. I am currently not paying any interest on those purchases, so paying off the entire balance does not make sense for me. 

However, I am making minimum payments which pay down the balance. Those minimum payments are NOT being used to pay off the cash advance. 

I think this is a potential issue since credit card companies are supposed to allocate payments to the highest XXXX accounts first. In effect, Wells Fargo is telling me that they are allocating my payments to the account that is charged XXXX XXXX XXXX  instead of the cash advance accounts which charge about XXXX XXXX XXXX  and that there is no way they can change this. 

I am positive that any XXXX with a credit card balance and a cash advance is facing the same issue. Since this is Wells Fargo policy, and seems like it is out of compliance with the spirit of the laws dictating that higher XXXX products receive payments first, I think it would be worth looking into as it effects likely millions of Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership
Product: Credit reporting or other personal consumer reports

Transunion is still showing XXXXXXXX XXXX on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : PNC Bank - XX/XX/2021, I received a Statement of Credit Denial letter RE : HELOC. In a previous phone conversation, the Representative stated my request was Denied based on my XXXX  credit report.? the XX/XX/XXXX, letter clearly states XXXX  was used not XXXX. Nevertheless, I owe XXXX on my home, my home has been Appraised as high as XXXX, I have a minimum of XXXX Equity in my home and Im being tormented about 4 already paid medical bills, XXXX XXXX  Revolving charge account and my auto XXXX balance which I pay BOTH on time. Im selling my auto this month to pay balance in full. Thats {$300.00} ( payment + insurance ), I can use to keep my HELOC payments on track. Its a pandemic, my payments are current, lots of people can not make their payments but, I can. 
Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXX XXXX XXXX on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXXXXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw XXXX XXXX XXXX Hard Inquiry on my report on XX/XX/2022. 

I didn't apply and/or authorized anyone to use my credentials.
Product: Debt collection

Citi finacial..they call playing on the phone..they will say can you hear me now about XXXX or more times and laughand hang up.or they will hold the phone and when I try to talk they hang up laughing. Sunday are the worse days. I was called XXXX times in XXXX day last week.this is not a game to me. I recently had XXXX and trying to recover.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, at some point after signing the documents the financing of the vehicle was turned over to XXXX XXXX, in early XXXX, XXXX XXXX reported a payment as more than 30 days late despite the problem being their fault. Specifically, my wife paid the bills through her account including the car note. My name appears first on the paperwork, but also includes my wife nevertheless, one payment was processed by XXXX XXXX in my name, but through my wife 's account at XXXX XXXX XXXX, where I do not bank. The payment came back stating that the account could not be located. When my wife received the email from XXXX XXXX, I called them immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our credit report. Thus, I contacted the bureau to dispute the accuracy of the account. The Bureaus, reported it as disputed but did not include my personal statement, and did not contact my wife and I about the results of our dispute. We were coming out of Bankruptcy and trying to buy a home through HUD 's " XXXX XXXX XXXX XXXX '', this was a barrier that could not be overcome. We tried to get a pay-off from XXXX XXXX, but they refused to provide us with a pay-off. We went to the dealership to get rid of the car and was told they would get the pay-off. We ended up purchasing a XXXX XXXX XXXX, putting down {$10000.00}, which changed to {$16000.00}. Because of air quality problems with the car we did n't want to take possession of the car until we moved into our new home the dealership and us agreed to allow this and we insured both vehicles, since the papers were signed and down payment was paid by cashier 's check, we thought the deal was fully consummated receiving our account number with the new bank XXXX XXXX, and speaking with them several times. We still do n't know exactly what is going on, but XXXX XXXX filed suit with our XXXX XXXX in Pennsylvania. But even prior to the suit we paid the account current to avoid any problems with the deal for the new car. We were forced to file bankruptcy as we did n't know what was going on and money was running low. So we contacted the attorney for XXXX XXXX about the payments and the dealership and XXXX XXXX. The lawyer told us that she was no longer on the case and that we should contact XXXX XXXX directly. We contacted both XXXX XXXX and XXXX XXXX. XXXX XXXX either blocked us from calling or changed their number, while XXXX XXXX keeps saying that our account is handled by someone else the number given no one ever answers. Despite all of this they keep reporting our account as delinquent not acknowledging our payment, although they have accepted it. They have not returned the payment either. When my credit scored dropped is essentially put my XXXX XXXX on hold and we stand to be homeless in a matter of 5 days.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} {$4400.00} total Phone number showed up XXXX XXXXXXXX XXXX and the caller presented themselves as an employee XXXX XXXX in the fraud department. They asked me to make temporary transactions to help assist in a fraud investigation. He was using very convincing methods and was reassuring me that all transactions would be reversed. I even called XXXX XXXX  through a number I am familiar with to verify that he was legit I had to request a call back and within 20 minutes the same person called me back from the XXXX number.
Product: Debt collection

XXXX XXXX ( original creditor is XXXXXXXX XXXX XXXX  ) has charged this account off on my credit report. They have sold this account to LVNV Funding LLC to collect the debt and now LVNV Funding LLC has contracted Resurgent Capital Service to collect the debit but LVNV Funding is also trying to collect as well. So I have received documentation from 2 companys trying to collect on the same account.

Resurgent Capital is trying to collect the original amount owed for LVNV Funding and LVNV Funding is trying to collect a different amount
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank reported a balance on my card to the credit bureaus even before the transaction was completed. The transaction in question never completed however since TD bank reported to the bureaus in haste, it hit by credit score by XXXX  points. I was at XXXX credit score whihc took years to acheive. Not only that they did not wait 30 days for statement to generate to report balance to the credit bureas whihc is the startdard practice. 
Their negligence in reporting has adversely effected my score and I would like TD to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has charged me for overdraft fees and overdraft charges for bill pay.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/year> 2023