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

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST
Product: Credit card

I opened a secured credit card with a credit line of {$500.00} at US Bank in XXXX 2016. I had charged {$490.00} to the card. On XXXX XXXX 2016 i decided to close the account and submitted my request in writing. On or around XXXX XXXX, 2016 I called US Bank and the credit card had been closed and they took the initial {$500.00} secured deposit and applied it to the balance which made a credit balance of {$0.00}. On XXXX XXXX I was charged a {$29.00} annual fee. I called US Bank on XXXX XXXX and was advised that they would go ahead and waive the annual fee by submitting a request and that it would be done within 10 business days. On around XXXX XXXX, I checked back with the bank and it still was not credited I was told to give it a few more days. On XXXX XXXX I called back again and a representative a shored me that they would waive that annual fee based on the prior notes they saw no issue but the representative past me to a supervisor and the supervisor stated that we will not waive the fee because this is a secured card and that if I took any other measures by going to the CFPB or Federal Trade Commission it would do no good because they were not going to break policy based off of a CFPB compliant. This card was closed before the annual fee was ever buil this card was closed before the annual fee was ever billed.
Product: Debt collection

I have repeatedly requested that LVNV Funding , LLC / Resurgent Correspondence provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit card or prepaid card

My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, XXXX, Trans Union ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Trans Union : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in  XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( Trans Union ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your TransUnion credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc.

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
Product: Checking or savings account

I had a account with well Fargo and my funds would not be in my account after deposit funds would disappear several times many times
Product: Money transfer, virtual currency, or money service

During XX/XX/year>, I was packing/preparing to move to XXXX  and had many packers, movers and others in my house- some of which somehow gained access to my computer and financial accounts ( namely my PayPal and XXXX accounts ) and made several XXXX XXXX XXXX  worth of unauthorized charges. I promptly reported this to PayPal on XXXX per the attached PDF, fraud charges totaling : {$3800.00}. PayPal then locked my account for several weeks and once I was finally able to regain access learned that they had completely disregarded all of the fraudulent transactions as " VALID/NON FRAUDULENT/AUTHORIZED '' transactions, refused to cover any of the charges and then closed the case without asking me for any additional information whatsoever or providing me a written letter with an explanation. Additionally, they partially blocked my account ( which exists to this day ) limiting my usage of my PayPal account in various way AND disabled my ability to use PayPal Pay-In-4 for making installment payments on larger purchases. The only explanation I have ever gotten whatsoever about this is from PayPal 's own system when I have tried to apply for PayPal Pay-In-4 for various purchases over the last XXXX months and was denied each time due to " UNUNUSAL '' or, even more irritatingly, " FRAUDULENT ACTIVITY '' on my account. Yes, thats right, FRAUDULENT ACTIVITY... but, wait, they declined my entire claim and said all of the charges were VALID/NOTFRAUD! Yet, on the other hand, they are declining Pay-In-4 loans I am requesting due to fraudulent activity on the account... so WHICH ONE IS IT PAYPAL?? They KNOW there was fraudulent activity they just dont want to pay for it and I demand that they do! Lastly, I filed XXXX last dispute, basically stating that i wanted them to review the earlier XXXX dispute again for the above reasons and they came back and actually RULED IN MY FAVOR! ( see attached ) - yet, they STILL WILL NOT REFUND ME FOR THE FRAUD CHARGES! I want my money back and want my account reinstated with full features availalbe ( including Paypal Pay-In-4 )! Its not my fault that there were fraudulent charges made on my account.
Product: Debt collection

Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. Complete Payment Recovery Services called me on XX/XX/2021 without stating who they were, their company name, and what their purpose was.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO REPORT AN ACCOUNT THAT HAS BEEN CLOSED AND PAID IN FULL OVER A YEAR AGO! I HAVE NOTED THEM OF THIS ERROR FOR NUMEROUS MONTHS AND THEY HAVE REFUSED TO CORRECT AND UPDATE THE INFORMATION TO REFLECT ACCURATE INFORMATION. THEY ARE THE ONLY CREDIT AGENCY REPORTING THIS INCORRECTLY AND THE ONLY ONE NOT UPDATEING IT TO REFLECT CORRECT INFORMATION. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL AND CLOSED. I HAVE ONLY ONE MORTGAGE AND THAT IS WITH XXXX AND THAT IS THE ONLY ONE THAT SHOULD REFLECT OPEN THEY CONTINUE TO REFLECT BOTH OF THESE OPEN AND THAT IS FALSE AND WRONG INFORMATION.
Product: Credit reporting or other personal consumer reports

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), hard inquiries were placed on my credit report from JPMorgan Chase due to fraud and someone trying to open accounts in my name. I contacted the banks, Chase included, to report fraud. XXXX XXXX removed the hard inquiry immediately and I have had no problems since. I was told by Chase that the hard inquiry would be removed from my credit and it was not. I placed a fraud alert on all three credit bureaus stating that if someone tried to apply for credit in my name, that I was to be contacted at my phone number for verification. After that, all fraud attempts have been halted with the exception of Chase. Two more times after that, I received hard inquiries on my credit from Chase and a letter in my account thanking me for requesting credit. Both a blessing and a curse, my credit usage is fairly high, so Chase denied those requests but never contacted me for verification either time, per the security ID alert on my credit. No red flags were raised from Chase on either the fraud alert, as well as the fact that all requests were made in my maiden name, which I have not legally had for almost 5 years. Did they think I would legitimately be attempting to open a credit card in my old name? I have attempted to solve this over the phone where I was given false information to send my complaint to a phishing email address and that they would help me. That was an email address that would receive no reply. I called back customer service and she basically said that she didn't believe me because they weren't trained to do that. I was asked security questions that had nothing to do with me and was told that my answers were incorrect and they couldn't help me. I went to a physical branch location and they told me that they don't remove hard inquiries, even though the credit agencies tell me to contact them. They also told me to contact the credit bureaus to put a credit alert on, which I'd already done and that did not fix the problem. I need to know how to stop Chase from allowing fraudulent credit attempts and how I can have those 3 hard inquiries removed from XXXX. XXXX was able to have them removed, but XXXX is telling me to contact the bank.
Product: Payday loan, title loan, personal loan, or advance loan

Truist Bank in XXXX WV. I needed a loan to start a small business. XXXX a loan officer with the bank presented me with a line of credit instead of mortgage. He explained to me that the interest was based on the prime interest rate and that it would be locked in the day I cashed the check. My first payment was under XXXX dollars. I noticed my payments continually increased to almost XXXX dollars and that none of the principal was decreasing. In XXXX I met with the Truist Branch, and they told me I was in an interest only loan that was based on the daily revolving window. I was mis-lead by the loan officer because I would have never taken this type of loan.

I am an Active-duty service member with over 25 years of service and should not be charged over 6 percent according to the Service member Civil Relief Act.

Truist Bank Client Advocacy sent me a letter dated XXXX XX/XX/year> stating they reviewed my case but could not get ahold of me. I have XXXX missed called from Truist. The Client Advocacy representative XXXX XXXX did not answer any of my phone calls for 30 days. He did not return and of his messages. I had to contact customer service after 30 days and I sent a copy of my XX/XX/XXXX orders to XXXX. Truist did not respond to 2 of my emails. Today I contacted customer service and waited for 30 minutes, and the representative told me it was my fought they tried to call me. They lied in their data base. They did not communicate with me violating the Federal Freedom of Information Act. Finally on XXXX XX/XX/year>. I spoke to a representative who said my only option is to refinance with all the applicable bank fees. To further detail the loan officer new that I was an XXXX XXXX service member.
Product: Credit card or prepaid card

Dealing with usbankreliacard. There was money uploaded to my card on XXXX/XXXX/2020. I can not access that money. Have called to find out what the problem is approximately 7 times. At least three of those times I was told to upload documentation as to who I am. Each of those times I was directed to different places. On XXXX/XXXX/2020 I last loaded drivers license information. I checked to make sure it got to the place it was supposed to and was in my account file. I was told by one person I would have everything verified within a week. Another told me 48 hours. I just went to talk with someone and they hung up on me. Very frustrated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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 written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}
Product: Debt collection

On XX/XX/XXXX it was brought to my attention that XXXX XXXX XXXX XXXX had reported to the credit agencies that I had a account in collection for {$840.00}. The original creditor was XXXX XXXX XXXX, which I have never heard of. I asked for documentation and she immediately sent me an email that basically only stated who the original creditor was and who the current creditor was. While on the call she said her supervisor had authorized her to settle for half that amount. At 1st I thought I should take advantage of the opportunity so I listened to my options. I told the lady I needed the original documents that show what I owe and who I owe. She said she was emailing me the info as we speak. I agreed to settle the debit as long as I could have the info I requested. I set up payment but never received the requested info. I waited 30 minutes and called back asking why I hadn't received it. She said they were waiting on the payment to process but promised I would get it. As I waited I began doing research on XXXX XXXX XXXX as well as midwest recovery systems and XXXX, XXXXXXXX XXXX XXXX. Couldn't even find anything on XXXX XXXX XXXX other than them being involved in payday loan scams. At this point I'm feeling as if I have been a victim of a scam so I keep digging only to realize both XXXX XXXX XXXX XXXX and XXXX. XXXXXXXX XXXX XXXX have negative ratings with the XXXX. I attended to call XXXX XXXX again but didn't get an answer. Nervous that I'm out {$420.00}. which seemed like a bargain earlier, I called my bank to stop payment just to be informed this is a growing issue with them. If I owe someone I am willing to pay my debt but they claim this payday loan happened in XXXX yet I have no knowledge of the company and with all signs pointing to this being a scam I demand proof of what I owe and will not pay a dime until that proof is provided
Product: Debt collection

I.C SYSTEM INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX I.C SYSTEM INC is known for its illegal debt collection tactics. The same in this situation I have no contract with this company never did. They're a 3rd party debt collection agency. Who bought an old debt and trying to re collect and profit. Once a debt is bought it's discharged. You can't buy and recollect on the same alleged debt. this company is in Violation of 15 USC 1692 ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt. The debt collector ( s must cease all communication. 

This has been effecting my credit for well over 180 Days. After 180 days the debt must be removed from the consumers report immediately.
Product: Credit reporting or other personal consumer reports

I have recieved my Copy B form from my 1099C cancelation of debt for XXXX XXXX loans. Amount of debt canceled and forgiven of {$13000.00} at the time it was along with any update amount showing now. As well as another Copy B form i have recieved for XXXX XXXX XXXXXXXX XXXX XXXX account. Form 1099C cancelation of debt to be properly updated on my experian credit score as paided as agreed as the debt was also canceled and forgiven. Both 1099C forms i will attach to this compliant for my XXXX loan and car loan account to be properly reflected and finilized for my Experian credit report and XXXX as shown.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Last year I bought a new car from a dealership around my area which took a lot of my personal since it was financed. Then few days or a few weeks later someone used my personal information to open 2 new credit card accounts which were not authorized by me. They applied and bought {$2000.00} or {$3000.00} worth of stuff using the credit cards including XXXX XXXX credit card and XXXX XXXX Credit card. I called XXXX XXXX  credit card customer care and told them the whole situation and they opened a case for me which was like a few months ago now but unfortunately, I have not heard back from them. They said they will mail the decision and the investigation report but they mailed nothing to me. I am trying to get information over the phone but they said you should have received it in the mail they can not help me with that. So now I am trying to get what happened since the account is still active and I am still receiving statement mails from them even though I told them that it was a fraudulent account.
Product: Consumer Loan

I bought a new car XXXX 2013 From a car dealership out of the state, I live in XXXX bought the car in XXXX. 
I was told that the total amount of the car was a little over XXXX .I asked if that included The high interest rate and she said yes. 
I asked why were the payments so high XXXX monthly, She said I could pay it off in 3yrs. I agreed and never looked at the contract until 2 months ago only because I thought I would double up on the payments so I would pay off the car before XXXX. I called the bank and they told me that the car which sticker price Brand new is about XXXX, I was paying XXXX. That was not explained to me. I would have never paid that much for a 2013 Hyundai Sonata. Have paid over XXXX For this car. I ca n't pay another XXXX. 
I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account with XXXX XXXX  thru XXXX XXXX XXXX on XX/XX/XXXX. The balance has not updated and they reported 2 late payments for XX/XX/XXXX & XX/XX/XXXX. I am currently in escrow with homebuying and nobody will fix this issue.
Product: Checking or savings account

A company is charging me for something I have no idea for what. The company is what is read XXXX XXXX  my statement called " XXXX '' for the amount of XXXX on XXXX XXXX 2017. I do n't know this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXXompany Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -
Product: Credit card

capital one credit card is claiming i owe over {$2400.00} on a account i never opened.i looked into identity theft and found out capital one is the one commiting fraud.i asked in writing for the application and transactions for the account.they only sent me a bad copy of an application.that i had filled out for an old account that was discharged in bankruptcy a year before this account was supposedly opened in 2011.i can tell because the house hold income is to low at {$47.00}. i checked my tax return, is should be XXXX.why would i lower my income if i was trying to get a card? and i would n't of gotten such a high credit line one year after claiming bankruptcy.my wife accidently made a {$90.00} payment while i was out of town thinking i forgot to make a payment.that is the only payment i made.and they say that proves its my account.they refuse to send me old applications from the 2 closed accounts to see if they match this one.they have also sent 2 letters from the fraud department claiming the debt is mine.but i noticed they gave 2 different account numbers. **************** and ****************