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

This is my fourth 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6400.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to contact this company and express that I was the victim of identity fraud. I sent over documentation of a police report and asked that this account is removed due to fraudulent activity. They havent done anything to reconcile this matter. As a result, my credit have been severely damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I received a copy of my credit report from Trans Union. While going over my report I noticed several inaccurate phone numbers that do not belong to me and should be removed from my credit report immediately. The following phone numbers have never belonged to me : XXXX XXXX I demanded that these inaccurate phone numbers be removed from my credit report immediately.
Product: Debt collection

I have numerous medical bills that goes against hipaa laws I will list the accounts below along with my social security number : Transworld system {$530.00} Social security number : XXXX
Product: Checking or savings account

On or about XX/XX/2018, Citibank contacted me via text message to inquire if a particular ATM charge ATTEMPT that took place in XXXX TX was mine in the amount of {$200.00}. I live in Maryland and was home in bed at the time that I received the text message and I denied the charge. I indicated via text that the charge was not mine and that my card must be shutdown immediately. Citibank representative called me right after my text and told me that on or about XX/XX/2018, two transactions DID go thru from the same ATM in the amounts of {$240.00} and {$260.00}. I happened to not check my account until after Citibank contacted me about the {$200.00} ATM attempt, which at this time I was upset that my account was missing {$500.00}. I asked the agent why did they allow the two transactions to go through and just not contacting me about the 3rd. She had not knowledge. She just said that the 3rd one was suspicious. After Citibank conducted their investigation, they indicated that after further investigation, they said that transactions SEEMED legit and that they could not honor my claim! I indicated emphatically that I could not have done it or authorized it because was in Maryland had not been in XXXX in over 3 months. Citibank would not even allow an appeal until I spoke with a high level supervisor in the dispute department. She indicated that I should file a police report to go along with the investigation. This has been a nightmare to get Citibank - whom I have been with for over 12 years - to honor me as a loyal customer and give back my money that was stolen through fraudulent activities.
Product: Mortgage

I was contacted by Freedom Mortgage shortly after my mortgage was sold to them from XXXX encouraging me to refinance with them the loan they currently serviced. I was told they would lower my rate and it would n't cost me anything. I asked why they were doing this and they replied if we do n't someone else will. I agreed as long as the term of my loan was n't extended and the rate was lowered and it did n't cost me anything. Documents were mailed to me dated XXXX/XXXX/16. I signed them and returned them XXXX/XXXX/16. I contacted Freedom Mortgage several times after returning the documents to get an update on the process but no one would return my calls. I received a call from Freedom Mortgage inquiring about a loan I had at a credit union and it was suggested I pay it off since it was such a small balance, I did. Once again I made several calls to Freedom Mortgage to get an update and once again my calls were not returned. I finally was contacted by Freedom Mortgage requesting information I explained I had already sent it XXXX/XXXX/16. So XXXX/XXXX/16 I forwarded by fax and mailing hard copies as requested sent the requested information. I then contacted Freedom Mortgage to get an update but once again my calls were not returned. I then received a call stating that since I paid off the lian at the credit union they would have to change my loan. Freedom Mortgage requested I I pay it off and I explained this to them. They said I would need to start the process over because to much time had transpired from when I signed papers in XXXX. By this time its XXXX and they would be sending me more paper work. They have pulled a second credit report which has lowered my credit score because they have not done their job and stayed on top of this transaction they initiated. I 'm unable to " do anything that would affect my finances '' until this refinance is complete is what Freedom Mortgage has told me. I 'm very upset as they started this process and have drug their feet in finishing it. If I go to another institution to refinance my mortgage another credit report will be initiated lowering my credit score yet again.
Product: Credit card or prepaid card

The XXXX credit card I had and still making payments is no longer of use at XXXX. I no longer possess the card and when going to make a payment, I received a connection error for technical difficulties, unable to make my timely payment. I reported to better business in which they reached out to XXXX, but not the credit card company. Without my card and account number I have problems accessing my account. The site is working now after the fact Ive been accessed a late fee and numerous emails from the XXXX card of missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister in law lease a XXXX XXXX XXXX with Mitsubishi Motors Credit of America , Inc . I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/XXXX she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from Mitsubishi Motors/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. Mitsubishi Motors Credit of America has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/XXXX and that it was financed by XXXX  XXXX/XXXX and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and Mitsubishi Motors Credit of America are not the same company and are not related. They also told me that I had to contact XXXX XXXX/XXXX and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX XXXX and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/XXXX ( account is current ) and yet Mitsubishi Motors Credit of America is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
Product: Mortgage

Numerous attempts to send documents to the company. They lose the documents each time and say to send them again.
Product: Debt collection

This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I walked into Wells Fargo Branch at XXXX XXXX XXXX. XXXX XXXX, CA XXXX, and I tried to cash my check issued from XXXX XXXX  w an option to be payable through Wells Fargo Bank. I advised the Bank Teller that I had verified with XXXX Customer Service and Wells Fargo Customer Service agents via their XXXX customer service number the day prior, XX/XX/XXXX, that this would be possible. I had spent XXXX hours on the telephone verifying and providing check details and amounts that this was possible. They informed me that they would need to verify the check, and I was ideally understanding of that process. They came back XXXX minutes later, telling me that the check review was verified for funds but that they are trying to figure out how to cash it for me. Another XXXX min later, the Branch Manager, XXXX XXXX XXXX, XXXX ID # XXXX, informed me that the agreement between Wells Fargo and XXXX XXXX  did not allow the amount of my check to be cashed. I asked her what the limits were and explained that I had called the day prior and planned and prepared for this, but no one explained that information or provided it. Another Manager walked up and stated with my check in hand that she could run the check, but it would show as processed. I asked if she would run it and process it ; I would need a guarantee of payment, and she couldn't provide me XXXX and yelled at me and said fine then. The Branch Manager, XXXX, then stated that she was not required to verify that information for me and continued to refuse to cash the check based on any other facts ; I then asked if we could call XXXX XXXX  to demonstrate what they had told me or if she could provide documented proof as to why they are refusing to cash my check. She said we are not required to help you, and you can leave now. After spending over an hour there providing my current driver 's License and Passport as identification after waiting and verifying proof of funds for the check, they did not want to process it based on allegations that could not be proven or provided. I believe this was like another instance of the banks refusing to give people their funds and abusing their power or pure discrimination, or I have been racially profiled because I am a XXXX Woman and was treated as if I shouldn't be entitled to my funds. 

My check was a settlement check and verified multiple times for {$80000.00}. I understand banks do not hold excess notes for issuance, but I also stated I was willing to take cash notes and a cashier 's check as they are all negotiable instruments and under the UCC laws that state such facts. 

I do not trust Wells Fargo, so I refuse to be cohered into opening an account and be subject to financial abuse versus cashing a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX lost a class action lawsuit for messing up peoples fafsa i received money back in a check form due to this and the campus that i attended is mow closed this part of the loan that the class action lawsuit involved shouldnt even be able to be included with my loans period they actually have to take it off my credit report
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as XXXX XXXX Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. Experian stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to XXXX XXXX. I never received anything from the bureaus or XXXX XXXX. Today Experian alerted me that XXXX XXXX added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on youXXXX HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Ive made several attempts with all 3 credit reporting agencies to resolved the unauthorized inquiry issue on my consumer credit profile. A resolution has not been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Experian credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to remove addresses and accounts that aren't mine and are errors. They have failed to provide me with necessary documentation verifying the accounts. They havent send me a MAILED COPY of my credit report even though i have request a copy in each letter. The last certified letter i sent they sent me a email stating they didn't receive the necessary documentation to complete my investigation. I know for a fact that all the information needed was sent! they have been giving me a difficult time and it has mentally stressed me out! I need these things to be removed! i have given them all the information they need and they have contentiously disregarded looking into my claims.
Product: Credit reporting or other personal consumer reports

The credit Bureaus claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After I got my credit report, I reached out and asked the credit bureaus to check to make sure all information reporting was complete and accurate according to 15 USC 1681i.

I waited 30 days and never got any kind of response and here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX  It's now been more than 30 days since then.

Another thing that troubles me is that they didn't even record the current status of the disputed information!

This is very aggravating because I now take care of my household and my mother 's household since she's XXXX now and Equifax has been holding me back from obtaining a vehicle to get my mother where she needs to go because according to the law Equifax is doing its job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX I opened what I believed to be a credit card for my business which was personally guaranteed by myself and my business partner at that time from Capital One. I closed the business in XXXX and took paying the Capital One account as my own personal debt. I continued working for a short time as I was well into a XXXX. I stopped working once I had the baby and was surviving off of whatever credit cards I had, savings and whatever I could get from selling personal belongings that I owned as I had a household to run and was a single mother. Shortly after business closed and I took on this debt as well as another I called Capital One to have my partner at the time removed from the account. When I could n't keep up with the payments I called a bankruptcy attorney who advised me to just let it go as I did n't own anything and there was n't anyway I could make payments. I never received any paperwork regarding the fact that it was an SBA backed account, I did n't receive a notice of a court date, I did n't receive a XXXX as these are things I was told I should have at some point received when I discovered this now became a federal issue in XXXX of XXXX. My issue is not with the SBA, my issue is the amount owed and the fact that I was told it was a disaster relief loan. I feel that Capital One did something very dishonest. The Treasury is looking for close to {$32000.00} on behalf of the SBA who covered the entire amount of credit card debt at the same time I am receiving notices from a debt recovery service for the original defaulted upon amount. I am looking for CFPB to look into the account with Capital One that was a credit card account to me, as I do not remember having any form of a check book as a line of credit. I feel as something is very wrong with Capital One. I did not nor did my business partner sit in front of a loan officer for a loan, I was told recently that is was for a disaster relief loan, we owned a XXXX XXXX, not sure how that fits. If it is as they say it is Capital One should have received 50 % of the original amount in insurance. I 'm looking to resolve this issue and unfortunately it is way beyond my means as it stands. One call to SBA I was told could n't have been backed by them and maybe there was confusion on someones end that maybe its the Small Business Association. I 'm not sure who the lending officer is on behalf of Capital One who 's status reads SBA loan officer. The other thing is the account I 'm referring to my partner was removed from it and never received any notice, call or anything else from Capital One or a collection agency. First she knew of it was when her refund too was withheld in XXXX. I contacted an attorney and sat with him for a consultation, he said paperwork did n't appear to be in order and it would take hours and hours of investigation which would be extremely costly and advised I contact the CFPB.
Product: Credit reporting or other personal consumer reports

Hi, I am asking XXXX XXXX and Experian to update my XXXX XXXX credit change my status from late to current. I wrote the CEO of the company and he fixed it for me on my file and they have not updated it yet.