23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Okay so the included documents for this dumpster fire should mostly speak for themselves, so I will just briefly outline what they contain and the broad strokes of this complaint. 

In XX/XX/2020, I had a Capital One XXXX Credit Card with a {$500.00} limit in good standing. 

I also had and still have a Capital One XXXX Checking Account. 

At the time I had been receiving pandemic unemployment checks from the California XXXX still. 

From time to time I would choose to deposit those checks into my Capital One XXXX Checking Account. 

I deposited a sizable amount of money by my modest standards on XX/XX/2020 or so. Just under {$2000.00} I think, all government checks which cleared in the normal amount of time those take to do that. 

In an act of good faith, I chose to use a great deal of my limited unemployment money to pay off the credit balance with Capital One, in full and considerably ahead of schedule. 

The Amount of this debt payment was between XXXX and XXXX XXXX dollars. Note that at this time my account balance WITH CAPITAL ONE XXXX was over XXXX XXXX dollars. 

That payment was made shortly after depositing the funds from the XXXX through mobile check deposit. 

It was visible in my account though when I chose to allocate some of it for payment to clear my platinum card of its current balance. 

Basically, despite the payment being with government guaranteed funds from the state of California, already deposited to the checking account with the SAME INSTITUTION AS THE CREDIT CARD ISSUER RECEIVING PAYMENT / CAPITAL ONE!!!?? 

Yet still.. well see attachments THEY closed down myXX/XX/XXXXcapital one card because THEIR OWN BANK FAILED TO ACKNOWLEDGE MY FUNDS ON DEPOSIT!! XXXX!
Product: Credit card or prepaid card

I was charged XXXX on XX/XX/2022 by XXXX for a XXXX XXXX XXXX i never ordered. My bank frauds dept. notified me that morning the phone was charged, I told them that it was not me who charged the phone. They told me they would launch an investigation, but until the resolved the issue they would put the money back into my account. I said that was fine, since I live on XXXX. So they did their investigation for about 4 weeks I thought every thing was going my way until I received a letter about the incident saying they didn't find anything wrong. Well since that day it has been a struggle just to pay my bills, They took back the XXXX out of my account. I called and complained to them with no satisfaction. They said the case was closed and nothing more to do or say, well i guess that ended that. So I went to my bank and told them the story with no justice, they replied that they listen to their frauds dept. well needless to say i have been in a financial bind since then. I then reported it to XXXX that someone had used my credit card number to order a XXXX Phone off their website. See you must have a Credit or Debit card on file with XXXX if you use their services, which I do. That is the card that was used to purchase the XXXX XXXX XXXX, that i never ordered and was shipped overnight to someone using my name XXXX XXXX in XXXX XXXX, SC. I don't recognize the address so I told XXXX that It wasn't me, but they replied that it was me that i was the only one who could have purchased the phone. Well I Replied to them how do i know it wasn't someone who worked for one of your XXXX stores since they have all of my information. They replied that was impossible. I told them well the phone was shipped to XXXX XXXX SC I don't live or know anyone that lives there, I live in XXXX, SC have for over 32 years. Why would i ship it there? The XXXX XXXX Police told me no crime was committed in their area that there was nothing they could do. The Police in my area said that it was between my bank and myself. So I'm out XXXX, I ask you where is the JUSTICE? 

XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Out of OHIO XXXX XXXX Only way to contact them is through XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My email is XXXX XXXX
Product: Debt collection

Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$610.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Payday loan, title loan, or personal loan

I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. 

To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. 

I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.
Product: Debt collection

I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.
Product: Debt collection

On XXXX XXXX I paid off {$38000.00} to XXXX XXXX XXXX XXXX which had loan from XXXX XXXX XXXX. XXXX XXXX XXXX also sold my information with that unpaid balance to Richland Holdins, INC DBA. This debt was in full on XX/XX/XXXX and I was promised that all negative information from all these companies will be removed from my credit reports, they did not do it.! Please, help me to fight them and fix it.
Product: Debt collection

I was once a customer of XXXX XXXX. I was an account holder in XX/XX/XXXX. I switched companies, to XXXX, in XX/XX/XXXX for the XXXX XXXX. 

Ever since the switch, which was done improperly by agents of the company in XXXX, IL, I have repeatedly received bills from XXXX XXXX in XXXX, WA. 

The reason I switched companies was because I was doing music on an old XXXX  device. The phone fell flat on its face and broke completely in my dorm room. I then switched companies to get an XXXX XXXX because I never had one. 

I paid XXXX off and told them to switch my service, however, they have continued to follow my activities socially and continue to send me past due collections bills regarding their device. I I paid every single phone I have ever had from XXXX off, but I still receive bills from XXXX XXXX. I called XXXX, I called XXXX, I called XXXX, I called all of them to tell them I don't own the account, but they continue to say I owe XXXX for past due bills that do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, DISCOVER BANK add a hard inquiriy on my credit report per XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in my police report and FTC affidavit 2 times to Experian on fraudulent accounts reported on my credit report by XXXX XXXX XXXX XXXX and Experian has refused to block these fraudulent accounts. 

I received 2 letters from Experian stating I have filed these disputes with knowledge that these accounts are mine or the disputes were made in error and that the have validation that these accounts as mine? 

NO proof has ever been mailed nor have I ever even been contacted by XXXX XXXX. I never even knew about these accounts until I checked my Experian credit report. I will be filing a separate complaint on the the data furnisher as well. 

Under FACTA law- Experian is supposed to block these accounts upon receiving my police report and FTC affidavit. They have violated this twice. The other 2 credit reporting agencies have already deleted these accounts but Experian has refused both times. These fraudulent accounts are updating false information monthly and ruining my credit. Experian allowing this to happen this is an unfair business act!
Product: Credit card

XXXX promised to provide refund for defective merchandise. They did not. Capitol One claimed that merchandise was received in good condition. It was not. Capitol Obe reversed dispute and claimed I did not provide them with information about defective merchandise when I did. They are an overdigitized unresponsive company with no real humans on the payroll.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Mortgage

I had XXXX XXXX loan and it was sold to NationStar Mortgage and they converted it to a non XXXX XXXX loan 40yr interest only, and I have been trying to refinance and no one will touch it because I am {$45000.00} upside down. I thought that if it was XXXX XXXX it had to stay that ' way even if it is sold to another financial company? HELP!!! Please. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to Navient. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Product: Student loan

I applied for the SAVE repayment plan, it was approved and nelnet provided documentation on my account that my payment would be XXXX per month. When payments started back up again, my account was never updated with the new payment amount, and currently says I do not owe any money until XXXX of 2025. The first time I called in, they had no idea what I was talking about, and said that I was approved for the {$0.00} payments. I went back through the information on the plan, and based on my income for last year, I should be making a payment. I called back in, the customer service rep reviewed my account, said that they saw that I should have a payment of {$84.00}, and that they were looking into it. They put me on hold for XXXX mins or so, and when they came back on the phone they said that because I had paid my loans off, and then requested my payments to be refunded during the period of time when certain balances were going to be cleared out due to Bidens Student Loan Forgiveness, that my account was not setup correctly. They said they put in a request to have my account updated. My account has not been updated, I have tried to call back in but the wait times are too long for me to wait while working. 

Second issue that I have noticed, is that I have been making the payments I should be making the past couple of months, and all payments are being applied to one loan, instead of to all interest that has accrued on my account, and then towards principle balances.
Product: Debt collection

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 # PRSOGS, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I sent in my remittance slip filled out completely certified mail on XX/XX/2021 and I received another bill 2 weeks later that included a late fee as well as the previous balance. I contacted Kohls on XX/XX/2021 billing using the number on the second notice that I had received to see where the payment went. The rep who answered said they did not receive anything and to please fax proof of the payment at a local store. I went to the store and was directed to customer service. The supervisor used her phone to call for help and put me on the phone with a rep around XXXX. The rep advised me that he has never heard of remittance and that they told him to tell me that they do not accept it. After being denied I asked for more assistance and transferred me to another agent. This agent also had no idea how to help and told me he was unable to reach a supervisor because his system would not load. I requested a call back and decided to report this issue to be resolved right away. I have also sent out copies to the CFO and Registered Agent of Kohls for immediate help.
Product: Checking or savings account

I had my us bank account recently closed. Due to a returned check and insufficient funds. Ive had numerous problems with my account all of last year 2021. I had many fraud attempts with changing my password or someone calling and having duplicate cards mailed out. I probably had to close my debit card in 2021 more than 10 times. They could not give me an answer as to how this continues to happen. My bank statements didnt add up. Whoever sent me these us bank statements had the balance wrong and couldnt give me further details. A lot of the times I would call and they wouldnt even try to verify the caller was the account holder. I noticed that everyday XXXX since XXXX all the way through XXXX my account was being withdrawn by XXXX dollars daily. Sometimes more than once a day. Im a single mom of XXXX kids I thought my money would be safe but nothing was done. And eventually my account became withdrawn and I never received a notification but one and it stated it was sent in XX/XX/XXXX I didnt receive it in the mail until two weeks later And by then the accounts were closed. I relied on those funds to pay my bills and provide food for My household. Its really surprising that they made me feel like I was invisible and they couldnt help me at all but close my accounts.
Product: Credit card

Synchrony bank/JCP Synchrony bank/Lowes Contacted bank regarding unauthorized hard inquiry under the JCP division on XX/XX/2024 XXXX Shortly thereafter, I was notified my Lowes account had been closed by grantor. When contacted the representative said it was because I probably didn't meet credit worthy standards. This account is 14 months old, never late, XXXX balance, excellent standing. I have utilized it and paid purchases off early. This has caused undue hardship as it has removed a exemplary report from my credit standing, which was completely unwarranted. The hard inquiry remains, my account is gone. 
Although it is true that in the month of XXXX my score plummeted, the only reason it did so is because of a series of school loans for which I am a cosigner. My daughter is unable to make the full payments, and negotiations have stalled. I realize my responsibility, however a different solution will be required for those accounts as I signed for them prior to a change in my financial status due to unforseen circumstances.
Product: Debt collection

I've asked them not to call, also informed the receptionist not to contact me at work and relay that but they continue to call my work place after asking multiple times not to. Also received automatize calls to work saying it is " Kelly Smith '' trying to contact me ( XXXX XXXX ) and jams the work office number and am getting in trouble for it at my place of employment. The continue to call despite all my efforts to stop them from contacting me there. Not sure who the person is or what type of debt as they just autodial my work office number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE : XX/XX/2022 30 DAY DEMAND DATE : XX/XX/2022
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened Personal Credit Card Account Bank : XXXX Opened : XX/XX/XXXX XXXX Auto Loan Account Bank : XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Account Bank : Affirm Inc . 
Opened : XX/XX/XXXX XXXX $ Personal Credit Account Bank : Affirm Inc Opened : XX/XX/XXXX XXXX $ Personal Credit card Bank : XXXX XXXX XXXX XXXX Opened : XX/XX/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 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

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 1681 ( e ) ( b ). 
According to 15usc 1681 ( 5 ), they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly DELETE THAT ITEM of information from the file of the consumer, based on the results of the investigation ; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681-2, they are supposed to, Not furnish any information relating to a consumer reporting agency if the person knows or has responsible cause to believe that information is INACCURATE.
Product: Checking or savings account

my Citi bank account was locked on XX/XX/XXXX and citi bank was unable to unlock the account. citi was supposed to overnight me a card to create a new account, instead they overnighted me a letter telling me my account was locked and that I needed to call ( already did this on XX/XX/XXXX ). on XX/XX/XXXX, I spoke with citi bank customer service and they opened a new account over the phone, they were supposed to send me a new card and new account creation within 1 week. it is now XX/XX/XXXX, I have still not received that information ( expected XX/XX/XXXX ). citi claims they are unable to confirm my identity and can not transfer the money in my savings account until the blocked account is resolved or the new account is open. I can not control either of those and they are talking me in circles.