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

I have recently sent in two certified letters to Lexis Nexis asking them verify how they got information on a bankruptcy that they are reporting to other bureaus they have yet to respond to either of my letter and according to fair act that is a violation and they have to delete the inaccurate information they are reporting if they can not provide a method of verification.
Product: Debt collection

I did not consent, nor benefit from, nor authorize the following account. 
Jefferson Capital Systems, LLC- ACCT # unknown - {$540.00} Toll free XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account has been permanently limited for no reason I cant transfer and receive and my money is stuck in the account while I havent done anything wrong
Product: Debt collection

Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Two accounts were opened and used to make and receive fraudulant transactions. 

XXXX XXXX about {$700.00} XXXX XXXX  XXXX about {$90.00} My identifying information was stolen by XXXX XXXX and XXXX XXXX who were both convicted of Fraud and Theft. They assumed my identity to open accounts and make payments as if they were me.
Product: Mortgage

Your Loan Started XX/XX/XXXX Your Loan Ends XX/XX/XXXX Remaining Payments 90 Prepaid Principal {$16000.00} Prior Yr Principal Paid {$11000.00} Prior Yr Interest Paid {$1200.00} Suspense Balance They refuse to put the prepaid amount towards our principal. They have it in a suspense account. I can not quit crying. Now they have on our statement they will not accept payment unless we pay them in full. They sent our loan over to investors that placed it online. We have never missed a payment and prepaid them XXXX. They are trying to take our home from us. Thousands and thousands of fake fees. I want charges pressed immediately for the XXXX, their license revoked, my lien released, and XXXX in suffering. I can not sleep, I can not eat, and have been put on XXXX XXXX medicine. They have taken all our money and now they are trying to take our home. I reported them to the Attorney Generals office, XXXX, and others. We have had enough and want them to be held responsible. Shut them down, please. They have committed identity fraud. We are in our XXXX and have paid them every month. We dont deserve this. If they dont put the prepaid towards our principal I am filing theft. I can not take much more.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists
creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$2000.00}
Product: Debt collection

XXXX XXXX XXXX - XX/XX/XXXX {$660.00} {$290.00} -XX/XX/XXXX {$250.00} {$61.00} -XX/XX/XXXX {$150.00} {$120.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} I sent a debt validation letter to XXXX XXXX XXXX via certified mail requesting that the company provide a breakdown of fees, collection costs and medical charges. I also requested that I be provided a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. To date, I have not received the requested validation of the debts and HIPAA authorization as allowed by the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are fraudulent and need to be deleted from my credit report within four business days of your receipt of this report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also, Pursuant to 15 USC 1681e ( b ) of the FCRA, your agency must maintain 100 % accurate records of my personal information within my consumer reports at all times. Please update my personal Information to match accurate records only. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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 a 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

for the past week I have been attempting to either have my prior membership re-established or file a new application as a member of Navy Federal Credit Union. i have spoken to agents on the phone as well as using their online application system. After filling out online form I received an email stating that I needed to complete the application process by logging onto the website. And despite entering the user ID, password and application ID I was given I keep getting denied access with a message, " unable to locate user ''. The phone conversation ended with, " It must be updating the system. Try again in 1 -- 15 minutes. Indeed, I 've been trying again for hours with no success. These XXXX must be XXXX XXXX if they think we have hours to waste on such nonsense.
Product: Credit card or prepaid card

On XX/XX/ XXXX  I purchased using my Chime credit card from a company for {$79.00}. I contacted the company and requested a refund cause I nvr recieved the order. They have told me on numerous occasions for several months now that they refunded me and to check with my card account. I have not been refunded. I filed a dispute with Chime since XXXX to current and they keep denying my dispute. I have given them the emails showing them that this company keeps stating they refunded my account and Chime denies to due a document they recieved stating the package was delivered. It's not even a legit document. It's not a tracking from a post office or any tracking company. Why would they refund me if supposedly I recieved my order? I feel I've been taken advantage of and scammed.
Product: Credit card or prepaid card

XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : XXXX
Product: Credit card

A payment was made from my bank, XXXX XXXXXXXX to FNBO for {$1000.00}. on XX/XX/. This payment was made electronically. It has yet to be recorded. I called FNBO in XXXX and was told that they did not show the payment being received. I contacted my bank and they provided Proof of Payment to FNBO and I received a copy of this dated XX/XX/XXXX. Payment has not been credited to me and interest is accumulating. I don't feel like I should have to call them again to get this resolved. Additionally, I'm concerned that if they have made this mistake with me, it's likely they have done so with others either intentionally or not, and this should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments on my XXXX loans are incorrectly reported for XX/XX/2017, XX/XX/2017, XX/XX/2017 and should be updated. XXXX XXXX XXXX and XXXX XXXX  are not my accounts. I've already tried to dispute it with the company and creditor. I've filed a police report and sent in requested documents.
Product: Credit card or prepaid card

I have phoned American Express a number of times regarding my American Express Platinum card that I was approved for on XXXX XXXX XXXX. The offer that came to me was for XXXX bonus miles so I applied online ( attached ). I have never gotten the bonus miles. When I first called in after spending {$6000.00} in the first month they told me I may have to wait six months since thats the amount of time I had to spend {$6000.00}. 

Today I phoned in again and they said I didnt qualify because I had an AMEX card in the past. They said an email came to me letting me know that I didnt qualify for bonus points. The attached email is the only one I received. When I applied online, it didnt tell me I wasnt eligible, only that my application would be reviewed and I would be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...
Product: Credit reporting or other personal consumer reports

Collection account from PYOD LLC with account # XXXX and a balance of {$670.00} The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

Hard inquires I have no recollection of.
Product: Payday loan, title loan, or personal loan

Company keeps trying to withdraw money from my bank. Did not realize payday loans are illegal in NYS. They are hurting me financially.
Product: Debt collection

Requested validation of the debt from the original creditor XXXX to which now RADIUS GLOBAL SOLUTIONS LLC the debt buyer have been reporting the open account open and active since the purchase to which XXXX have charged off and closed the account prior selling it to RADIUS GLOBAL SOLUTIONS
Product: Checking or savings account

Sign in to your account Sign in Capital One System issue impacting deposits, payments and transfers Valued customer, Starting XXXX XXXX, XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and Early Pay credit for direct deposits, as well as electronic payments and transfers ( ACH ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or XXXX. 

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.

Download the Capital One Mobile app Download the Capital One Mobile app.

About this message The site may be unavailable during normal maintenance or due to unforeseen circumstances. 


Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book. 

This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted. 

Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners. 

Please do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX. 

Member FDIC Products and services are offered by Capital One , N.A., Member FDIC. 

XXXX  Capital One. Capital One is a federally registered service mark. 

XXXX  XXXX XXXX XXXX It's not XX/XX/year> and I still haven't received my money.
Product: Debt collection

On  XXXX   XXXX ,    2017  I was mislead into paying a past debt for  XXXX   XXXX   XXXX . I was told by the collection representative if the account is paid in full it would be deleted from my credit report with in 30days. I have called several times and was treated rude and disrespectful and was told they could not remove this for 7yrs. This company refused to remove this paid debt from my credit report. I also spoke w ith the manger at  XXXX   XXXX  company who stated she would submit a reques t to Credit protection to have this debt removed from my credit report. I have contacted both   companies several times and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and someone used my personal information to open this fraudulent account in my name without my consent. I did not benefit from any goods or services of this fraudulent account. I am requesting for Mariner Finance to delete and remove this fraudulent account to remove and delete this fraudulent account from all three major credit reporting agencies. I have attached a copy of my police report to this correspondence.
Product: Mortgage

My name is XXXX XXXX. My house is at : XXXX XXXX XXXX, XXXX, FL XXXX. My phone # is XXXX-XXXX-XXXX. 
I was given the house by my mother who passed away. 
**I met a XXXX XXXX XXXX , a realtor through ReMax. Her phone # is XXXX. 
Close to 5 yrs ago I signed a Mortgage with her, so she is now the holder of the mortgage. For over a year, I have asked Ms XXXX to please forward me a copy of the mortgage I signed only to be told, " not now '', " no '', or be hung up on. I have wanted a copy so that I can go over it and better understand what kind of mortgage that I signed. Further, I've been trying to get the name of my homeowner 's insurance company & a copy of the document showing that I'm insured and what it is that I'm insured for. Again I get the same responses from XXXX XXXX XXXX. Now on XX/XX/2020 I got a call from Ms XXXX saying that in 45 days she will be taking control of my house and can't wait to throw us all out in the streets. I got very upset & crying & said I don't understand. She said to contact her lawyer, XXXX XXXX XXXX and hung up on me. 
My daughter, XXXX yr old, XXXX XXXX called back Ms XXXX only to be told the exact same thing she had just said to me. I then called the number for Atty XXXX XXXX XXXX at XXXX-XXXX-XXXX to get some information about what was going on, to get a copy of mortgage and homeowner 's info and was told, " sorry I can't help you, it would be a conflict of interest ''. I literally am at my wits end and do not know what to do. I'm on social security XXXX and can't afford a lawyer. I do have a case worker who helps me, but they don't even know what to do. 
PLEASE HELP ME. Thank you in advance for any assistance you can give me. 
Sincerely, XXXX XXXX XXXX-XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on Transunion since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my account delinquent over 100 days after my mortgage was transferred from XXXX XXXX  to Mr Cooper ( nation star ). My loan was going through loan modification process at XXXX XXXX   while it was transferred. My payments have never been late according to the loan paperwork documents. I have made complaint with XXXX  and requested Mr Cooper to fix the reporting error. 1 representative told me it was reporting wrong because I made 2 payments that posted in XXXX. Therefore 1 of the payments should have been posted in XXXX but never had been.
Product: Debt collection

XXXX from Columbia debt is being reported on my account. I do not owe XXXX at all! In fact it should only be XXXX from XXXX XXXX XXXXXXXX and its only one account. XXXX XXXX has send proof and updated The incorrect information. Columbia debt is reporting false amount on my credit report that says XXXX Again that XXXX is not owed at all! inaccurate and should be remove from credit report with correct information, its still being falsely reported!! XXXX XXXX XXXX  XXXX  property manger I spoke with name is XXXX XXXX corrected its only one account and the balance is XXXX Not XXXX. 

Columbia debt is Still reporting on my credit report for XXXX and being charge for interest on a balance I dont owed this should be removed /corrected from my credit report, again. XXXX is not Owed! And its only XXXX thats due and its only one account please correct or remove ofc my credit report The information from Columbia sent was XXXX XXXX is inaccurate I attached the updated information statement from mosaic that they made and error and mosaic SENT the corrected statement.. everything is attached proof that the balance is not XXXX please see proof below with update statement from XXXX XXXX Columbia is reporting outdated information please remove and fixed The new statement XX/XX/XXXX XXXX from XXXX XXXX shows the correct balance of XXXX and only XXXX thats owed .. this is same account number its not 2 accounts and its only XXXX not XXXX same account number not different accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name XXXX XXXX XXXX has 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 a account without my written instructions.
Product: Checking or savings account

Issue with Truist Bank and inability to withdraw funds from ATM machine. This issue has been ongoing for two days starting on XXXX/XXXX/2022. I called the customer service and the fraud department and both have indicated they are unaware of any issues with my debit card or their ATM machines. I was told by the fraud department ( XXXX ) on XX/XX/XXXX at XXXX to travel to different locations in hopes of finding a machine that would allow withdrawals. When attempting to withdraw funds the following message is received : Fast Cash - not available & Withdrawal- not available. I have experienced this issue with the locations on XXXX XXXX ( XXXX, GA ) and XXXX XXXX XXXX XXXX XXXX, GA ). Additionally, if I am able to withdraw funds, the ATM machine does not allow for deposits. Again same message, deposits- not available. There is clearly an issue with the ATM machines and no one within the organization has shown any sense of urgency to resolve the issue. 

Not only the above mention issue, but my debit cards were canceled without advance notification and receipt of my new cards. 

By far this is the worst merger EVER!!!!