23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving incessant phone calls from Capital One, for a man named XXXX XXXX, who owned the telephone number before me that I now have. I have told each representative that I have spoken to, that I do not know XXXX XXXX, he does not live in my home, and that I now have the phone number that was once associated with XXXX XXXX. Each representative has assured me, there have been at least XXXX, that the number would be taken out of the system and I would no longer receive phone calls for the debt. However, I still continue to receive the harassing telephone calls. I told every representative that if I received another telephone call I would file a complaint, and no one is taking me seriously, or taking the necessary steps to remove my telephone number from their database.
Product: Debt collection

Portfolio Recovery filed suit # XXXX in XXXX County XXXX for debt not owed. Also according to their claims the aleged debt is from XX/XX/2011 which puts it beyond the XXXX State Statute of Limitations. Also XXXX does not live in XXXX county, but has been a resident of XXXX   County since XX/XX/2016. XXXX disputed the debt, but Portfilio Recovery has not provided any details of the debt.
Product: Credit card

0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted certified letters to Transuion, XXXX, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX XXXX I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from XXXX and Transunion. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX Bankruptcy : Bankruptcy, Account/Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing regarding a fraudulent account that was opened with XXXX in my name. On XX/XX/23 I received an alert that a new inquiry was placed against my Transunion credit report. I immediately called XXXX ( listed on the inquiry ) to report this and the account was immediately closed. I received a letter from XXXX confirming the investigation was completed and the account was fraudulent, however Transunion is not removing inquiry as XXXX has not provided them with the required documentation.
Product: Credit reporting or other personal consumer reports

according to the irs and unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-c ( cancellation of debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-c form also i informed you guys multiple times that this was due identity theft and you failed to provide me of the names and individuals who and when and how this information was verified. Which makes me think you failed to investigate this properly I'm not only demanding the 1099-c form, but I am demanding you guys do a reinvestigation. And I have attached a copy of the inaccurate discrepancies of this account. The date open is incorrect. The timing of the account is closed. ALSO NOT to mention you guys sent me a statement saying this account was deleted and then the next day it was a violation stated below reinserted Section 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If the disputed information is reinserted, the CRA must notify the consumer of the reinsertion in writing within five business days. The notification must include the name, address, and telephone number of the furnisher of the information. You guys didn't send me a letter nor did you guys notify me around XX/XX/year>XXXX XXXX XXXX i got a notification form XXXX which they have now made the file unavailable to me but i still have the screenshot where they told me the account was deleted and not only that I have the phone recording where they notified me it was deleted but reinstated the next
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted customer support to dispute 5 transactions not approved by myself that totaled {$410.00} The billing agreement state the process and policies of the disputed account info as follows ; Contact us to provide the following : ( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.

( 3 ) Tell us the dollar amount of the suspected error.

We will investigate your complaint and will work to correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error so that you will have full use of the money during the time it takes us to complete our investigation On XX/XX/XXXX I called to inquire my I had not received a credit to my account after the 10 days as per the aforementioned billing agreement. After several hours reiterating their own policies verbatim countless times I was told repeatedly that this language was not true and that I was not eligible for any account credit and that was their policy. I asked for specific direction to confirm this previous um herd of new policy but none could be given. This process continued countless times before they simply disconnected the call This is a violation of the XXXX laws On.XXXX I transferred my direct deposit account used to receive my monthly XXXX benefit from SSA to kikoff/XXXX XXXX because of a promotion advertising a {$200.00} bonus to do so. 

This {$200.00} bonus promotion has still not been honored after ive switch to their account and received direct deposits. 

On XX/XX/XXXX my money XXXX benefit of {$1200.00} from SSA paid by direct deposit to this account was not received. 

From XX/XX/XXXX to the current day XX/XX/XXXX Kikoff and XXXX XXXX has stolen {$1800.00}
Product: Debt collection

This has gone too far. My patience is gone. I'm contacting the Attorney General and the FTC tomorrow. As far as the issue, refer to the other ten or twelve complaints I have submitted in the past two months.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I bought XXXX Litecoin on Coinbase for {$150.00}. On XXXX XXXX, I bought XXXX Litecoin for {$570.00}. On XXXX XXXX, I bought XXXX Litecoin for {$1200.00}. The total comes out to be {$1900.00}. When I tried selling all XXXX of my Litecoin, Coinbase told me that I had to verify my identity before I could continue. What does n't make sense is that Coinbase sent me an email saying " your identity has been verified '' on XXXX XXXX. I filled out all of the fields correctly and the app said it could not locate my ID and that I had to wait 24 hours to try again. However, after a week of trying to " verify '' my already verified ID, it still would n't let me buy or sell Litecoin. I submitted multiple support tickets and tried calling them, but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a living woman am opting out of you reporting my non public information pursuant to 15 USC 6802 immediately. Re : Account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX all FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX
Product: Credit card

In XX/XX/2023, HSBC US closed my credit card account and debit card for no reason. There were XXXX unused points in the account, valued at about {$400.00}. 
As a result of the closure of my credit card account, I was unable to view my credit card statements and was unable to pay them in a timely manner, resulting in a late payment fee of about {$200.00} as of today.
Product: Debt collection

I disputed on with XXXX credit bureaus in XX/XX/2016 as not mind. Collection agency at that time was Creditors Bureau USA/c/o Fresno Credit Bureau, now being reported on Credit reports as Fresno Credit Bureau,
Product: Credit card or prepaid card

XXXX XXXX imoosed pay over time fees to a personal credit card when in fact I paid the card in full. They added late fees and reported 30 and 60 day late pay to the credit agencies. They have resolved the issue by crediting my account but I still have the late credit shown on my report.
Product: Checking or savings account

On XX/XX/2020 I was notified by Chase Bank that I had fraudulent transaction to my checking acct. One for {$1900.00} another for {$880.00}. The transactions were through XXXX. I let them know I didnt make those transactions. Needless to say I had to file fraudulent Claims for them. Chase told me they're not going to reimburse me. Chase says the money went to an account that wasn't through them. The person that the money supposedly went to has an account with Chase. I feel if they really invested my claim as they say they would have figured it out. Now I'm out of a lot of money in which I am incurring a lot of overdraft fees because my account is on hold. C as n you please help me to get my money back. Thank you
Product: Debt collection

I have already settled my account with synchrony bank. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector XXXX XXXX XXXX is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for synchrony bank to respond. They have been provided with the confirmation number and payment information but still have not removed the debt.
Product: Credit card or prepaid card

I had my wallet stolen on XX/XX/2020. The loss was reported to Capital One immediately the same day. There was a fraudulent charge of {$120.00} on one of my credit cards with Capital One. 

On XX/XX/XXXX I received a letter from Capital One that my dispute was denied. 

On XX/XX/XXXX I called the Capital One fraud department and spoke to a supervisor there named XXXX who advised me to send a letter and my police report by fax for a reconsideration. I faxed it that same day. I did not hear a response back for two months. 

I have resent the fax to XXXX XXXX in the fraud department at the fax number in the letter. 

I have sent Capital One the police report, a copy of my credit report showing all my credit card account numbers were changed as a result of the theft, another credit card which had fraudulent purchases on the same day reversed, and a copy of my bank statement with reversed debit card charges at the exact same place of business of the disputed charge on the credit card. 
They still have not reversed this fraudulent charge.
Product: Mortgage

I have been going back and forth with my mortgage company Selene Finance for a very long time as I try to resolve my missed mortgage payments with them. I finally decided to just try and do a short sale and listed my home. We presented Selene with a couple of excellent offers that matched the market value but Selene would not accept these and has instead set a foreclosure auction date. I recently became aware of the fact that there are new homeowner assistance programs for borrowers with GSE loans backed by XXXX XXXX. I have asked Selene to review me for these programs and have cancelled out the short sale. Instead of working to review me for these programs, Selene has moved to sell my home I have owned for 30 years. I deserve a chance to be considered for these XXXX XXXX programs, and can't understand how or why Selene would obstruct my access to them. Additionally, Selene Finance has failed to offer mediation through the state of New Jersey as an option to resolve a dispute like this. I found out that they are required to offer this option so that an independent third party can intervene. Once again, Selene is not giving us access to these options. 

My problems began several years ago. I worked as a self employed XXXX XXXX XXXX  for nearly 30 years. I was diagnosed with major health issues and this led me to have cut down on my hours. In that same time frame, my bank account was frozen because of irregular activity. I had an international account and someone had gained access and was illegally withdrawing money. As a result my account was frozen. It took me a long time to straighten this out and as a result I fell behind three payments on my mortgage. I began trying to work this out with XXXX XXXX at that time. It was a mess and then they went out of business and the loan was transferred to XXXXXXXX XXXX who I tried to negotiate with. Then it went to XXXX, then to XXXX then back to XXXX and now it is with Selene Finance. Every time I was making progress towards a resolution my loan would get transferred and this has continued on for a long time. I have wanted to fix this problem and try and resume making payments but continue to run into issues from the lenders I have to deal with to make this happen. My concern at this time is that there are several new homeowner assistance programs that are available for borrower 's with GSE loans backed by XXXX XXXX. Selene Finance has not allowed me access to these programs and has not given me a chance to be considered for any options. I tried to sell the property as a short sale as Selene suggested for close to a year but they kept rejecting good offers. At this time I am very frustrated with Selene Finance and I want to be reviewed for ALL homeowner assistance options. Although I am XXXX and retired, I do receive a monthly XXXX disbursement as does my wife. We also have a tenant who shares our home with us. I believe we have sufficient income to make a reasonable mortgage payment if Selene would work with us.
Product: Credit reporting or other personal consumer reports

Please check the documents that I've sent. There are inaccurate accounts on my file.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED ( 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: Credit reporting or other personal consumer reports

Chiropractor made discriminatory comments pertaining to race and XXXX orientation. Provider also sold leaking water to a me a while I was a XXXX XXXX REPRESENTED BY AN ATTORNEY that caused me to have a very XXXX XXXXl causing more pain. I terminated him because of these reasons. XXXX XXXX retaliated and sent me to Collections.