23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX Eastern time. I called Total about my account. I just made an additional {$100.00} payment when they said there was a XXXX XXXX of available credit. The payment showed with a {$190.00} balance & a {$300.00} credit limit. My adult daughter called the automated phone service earlier that day because I had issued a card in her name. She said that automated phone Service said there was XXXX credit available. My app for the card said {$100.00} credit available. After being on hold for over a half hour, someone finally answered, but their voice kept cutting in and out. I asked them if they could adjust something so I could hear them. I did hear them and then they hung up on me. Callback request, even though they said there was XXXX time on the automatic recording when you were on hold. ( Of course for the entire whole process, I went through one or 210 minutes of wait time and five or six XXXX minutes wait time. ) So I figured the callback option was best 90 minutes after waiting I fell asleep. My phone never received any call to this day. They still have not called back. I tried Contacting the issuing bank, the XXXX XXXX XXXX  on their webpage they had a contact form and they listed total. The card issue were on that contact page. Try to explain the situation to them. They didnt reply so I tried again. They did reply a day or so later basically saying not our problem deal with the credit card company. The issue Im having is theyre not responding and I cant be on hold my entire life last I checked they now said I had a XXXX  dollars and change even though there have been no purchases since the last payment. My daughter thinks these are charge hold on order. She was going to make through maybe XXXX or something like that, but arent they supposed to go away after a few days? Ive been in good standing with this company never missing a payment since the account was open. I believe it was years ago. ( They actually deactivated the card for lack of usage and then when I requested it be reactivated thats when I decided to let my daughter use it to help her out. ) It just doesnt make sense if I have a balance of XXXX with a {$300.00} limit and I paid them {$100.00} which they have collected and taken from my bank account why theyre collecting my money and not letting the card be used. Not returning my calls! ( Since you have to verify who you are with your account details on the automated phones system before you speak to someone on the phone in person, they should have your information so if the call is disconnected, they could call you back if they want it you ask them to call you back, which they basically dont feel like it seems.
Product: Debt collection

The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act ( FCRA ), Bridgecrest Acceptance Corp has violated my rights. 15 USC 1681a ( 2 ) ( A ) ( i ) states that reports should exclude any information solely as to transactions or experiences between the consumer and the person making the report. Bridgecrest has included late payment history which is in violation of the provision set fourth within the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these XXXX XXXX accounts onXX/XX/XXXXnd XX/XX/ to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Transunion, and affidavit, cease and desist, exhibits, ID theft report, and a Invoice In XXXX, XXXX, and XX/XX/2021.
Product: Vehicle loan or lease

I paid off the vehicle last year they never sent a title or a lien release. A couple months ago the vehicle was totaled and the person 's insurance company that totaled it will not pay me for the vehicle until I give them the title. I don't have a vehicle to use until I can get this settled. 

2 months ago I contacted them and asked them to send me the lien release and they said that It would be there within 10 days. Two weeks later I called back again they forwarded me to a different department that handled titles which they didn't send me to the first time. Then they claim they sent it again and that it would be there within 10 days. 2 weeks later it didn't come I called again I told them it didn't come they keep claiming they sent it but it's not coming. They've never had a problem sending me a bill but they're having trouble with this. Then I give them a different address in hopes that maybe there's an issue now it's been 2 months and still no papers coming anywhere. I asked them for a tracking number they said they couldn't do it. I asked him to fax it to a tag and title place they said that it's a privacy issue and they can't. I tried everything that I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Product: Checking or savings account

So XX/XX/ 2022, someone walked into a dollar bank and it was not me, someone in another state and withdraw XXXX $ and the bank teller let this happen without proper identification. How does this happen? Banks have cameras right? I want the teller and the person who did this held responsible, this is not okay I want all my money back, Im a XXXX mother of XXXX I have no help now my money is gone I have bills and no one whats to hear my problems with a bank issue that I thought my money was safe at. XXXX XXXX XXXX XXXX XXXXXXXX Ohio is the dollar bank today is XX/XX/2022 no one has gave me an explanation to what took place and how. Please help me.
Product: Debt collection

I have reached out to this business plenty times for verification unfortunately they have not responded! I never lived at this address nor do I know anyone. Please remove from report!
Product: Payday loan, title loan, or personal loan

I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ONEMAIN with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
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 Account XXXX : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I created my PayPal account two weeks ago hoping that I can use it as payment method for my clients whom I give my service as their child 's tutor or as a writer for their formal requirements in school such as essays and editorials. I usually pay by them once I'm done doing my task and approved by them. 

I received my payment once a week it's not big it was only range from XXXX $ - XXXX $ so I'm confused why PayPal accused me of sending " illegal files '' which I'm not doing it. I only do formal essay, editorial and tutoring. 

And now my newly created account was permanently limited because of accusations that I didn't even do once. I can't even send or widthraw my hard earn money from Paypal. 

That little money I earn from writings and tutoring helps me a lot in my daily bills and it's my only source of income as of now. Right now I didn't know what to do cus it affects me a lot, PayPal accusations without any proof makes my source of income end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A JXXXX XXXX ACCOUNT
Product: Credit card or prepaid card

On XX/XX/2022 I lost my credit/debit card which I receive my payments from the XXXX company XXXX It was lost at the XXXX XXXX hospital and then stolen and used fraudulently. I immediately became aware of the situation when I received notification of my card application of several charges made XXXX after the other, that was in less than an hour and I quickly proceeded to block my card from the application, call the bank and then went to the police department of my city to make the complaint of the theft of my money. I report it as soon as I realize, I understand that not even XXXX hours passed from the moment I got lost in the bathroom because it was the last place I went from the hospital in XXXX XXXX. I assume it fell out of my pocket and someone then found it and went to buy with my money, the money that was for the rent of my apartment. When I called the company XXXX XXXX ( MONEY NETWORK ) They took my statement and told me that they would give a temporary credit and that this money would not be lost. But after a long time after they told me they would not give me the money and I appealed the decision and nothing, They refused to give me my money and it is the first time something like this has happened to me and I understand that I called within the first XXXX hours that the facts arose I did everything they told me even they told me it is not necessary to go to the police, But since it was a theft of money I went immediately to investigate and catch the person responsible for stealing the money. 
The amounts were {$21.00} XXXX XXXX XXXX {$43.00} XXXX XXXX {$31.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$520.00} XXXX Didn't this bank realize it's a fraud? I never made so many purchases ever with my account and less as they made them, I use my account very little and never made purchases greater than {$40.00} dollars I do not know how the fraud alert mode is not activated being XXXX transaction after the other. They did not finish emptying my account because I managed to block the card when I got the alert of several charges. I ask for your help in this case and return every penny that was stolen from me, this can not go unpunished. In fact, the police have not yet closed the case because they already have clues of a man and are working to achieve his capture. 

DISPUTE CASE ID : XXXX XXXX Attn. : Billing inquiries Money Network Financial , LLC, XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. 
I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. 
This not fair as the amount is exorbitant. Thank you
Product: Credit reporting or other personal consumer reports

our company has not forwarded any documentation showing me proof of the verification methods used to verify my accounts. Considering the fact that it has been over 2 months, your company has clearly violated Section 611 ( 50 ( A ), and continues to show your flagrant disregard for Federal laws.

I have asked and requested numerous times for your company to give me the names of the people who verified the accuracy of these accounts, but your company ignored my request every single time. This behavior is also a violation of Federal law! 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. Just a friendly reminder when we go to litigation, your company will be required to submit documents along with an affidavit swearing under oath that these are the true and correct documents that were used to verify my disputed accounts.

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, that you are required to promptly DELETE all information that can not be verified. Once again I request that your company delete these accounts immediately, but I'm sure you are already aware of this information.

All the accounts listed below need to be deleted off my credit report IMMEDIATELY XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611 XXXX XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611 XXXX XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611
Product: Mortgage

On XX/XX/XXXX, I received a letter from NewRez Shellpoint explaining that it had purchased my current home loan from Specialized Loan Servicing. This letter stated that the terms of my loan " will not change '' and that I would not have to " update any information. '' On XX/XX/XXXX, Newrez drafted {$950.00} automatically from my bank account, which is {$400.00} less than under the previous terms of my loan from XXXX XXXX XXXX. I called the same day to try and understand the accounting problem. When I called, the company stated it couldn't help me because the loan had not been " fully migrated '' from XXXX XXXX XXXX. I asked them to put in a request to look at my account and the representative complied. On XX/XX/XXXX, the same day, the {$950.00} was backed out of my account as a " reversal. '' On XX/XX/XXXX, my account was once again charged the {$950.00}. I called XXXX more times during the following week to try and understand why my payment was short {$400.00}, but the representatives claimed the loan terms were correct. On XX/XX/XXXX I asked to speak to a supervisor who stated NewRez had finally fully migrated the loan and that I could go on their website and change my escrow to reflect the missing {$400.00}. 

I asked for the supervisor to make the changes over the phone, but she stated I could do it on the website. When I asked again for her to help me process my request, she stated that I had to do it on the website. 

Newrez not only changed the terms of my loan, but they forced me to update information on their website. In a letter dated XX/XX/XXXX, Newrez stated that the terms of my loan would not be changed and that I would not, in fact, have to update any information. When I asked the supervisor about this letter, she stated that the letter was a " mistake. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with Nordstrom. While the application was declined the fraudulent related inquiry was left on her XXXX  credit report XX/XX/XXXX. A formal dispute of this information was mailed XX/XX/XXXX and received by Nordstrom however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Product: Debt or credit management

Lendvia calls me day and night with automated calls saying I have been preapproved for a personal loan. This is misleading, as they are trying to get a sign-up for debt consolidation. They connected me with an agent who gave a badge number supposedly and this agent said they had all of my XXXX credit in front of them with all my information WITHOUT my consent. I asked where and how they got this and was told they got it from XXXX. I asked who gave them permission to look into my credit, they immediately hung up. They call day and night. I pressed the number for " take me off the list '' and they still call me and e-mail me. I believe this is a scam. They said they want to hold monthly payments in an account in my name. This is against my rights pursuant to : Section 604 of the Fair Credit Reporting Act. Doing so is a federal crime, and can be reported to the Federal Trade Commission. These calls are never from the same number and are always from the same company.

There's also an issue with Lendvia 's parent company. Lendvia is a dba of Range View Management LLC, which has been sued several times in the past year.
Product: Credit card

Per our phone conversation with Western Union claim department on XX/XX/XXXX I'd like you to consider my valid claims because on and after XX/XX/XXXX it appeared my debit card XXXX information was stolen and used in the following days without my authorization. I did not check my bank statement until XX/XX/XXXX to see those unauthorized transactions. On the same day I asked my friends who were there at my place on XX/XX/XXXX if they or someone else knew anything about this. I asked ( or was suspicious of ) them because we did have previous conversations from time to time at different places about random frauds and scams happening everywhere. I do have some witnesses as my close friend named XXXX XXXX who overheard our personal conversation with the main suspect ( or the accomplice ), saw her looking at some cards ( most likely the bank cards from my wallet on the kitchen counter ) while I was not paying attention at my place on XX/XX/2023. Apparently she put my bank cards back in my wallet without my knowing at that time, and used the debit card information to make the unauthorized payments below : Unauthorized Western Union transfer XXXX $ XXXX USD on XX/XX/2023. 
Unauthorized Western Union transfer XXXX $ XXXX, $ XXXX USD on XX/XX/2023. 
Unauthorized Western Union transfer $ XXXX, $ XXXX USD on XX/XX/2023. 
The total stolen amount was $ XXXX USD. 

Western Union denied their responsibility to refund my stolen money and stated that XXXX XXXX was responsible for the refund. However XXXX XXXX denied that responsibility and stated Western Union to refund my stolen money.
Product: Credit reporting or other personal consumer reports

I have reached out to transunion on multiple times. Because they are reporting inaccurate information on my credit report. Its not showing on XXXX and XXXX and every time they are saying it coming back as valid. This really making me feel as if they are not doing a proper investigation
Product: Debt collection

For the last few weeks, we have gotten numerous calls, from Navient. They ask for a person named XXXX XXXX. I tell them no one by that name lives here, and to please take my name off the list. They agree they will, then the next day they call again. This has happened at least 4 times that I remember. 

Today, an operator named XXXX told me that XXXX has given them our number as a contact. I said, " So you can contact him at another numer, why do you keep calling me? '' She refused to answer. 

She called from an office in XXXX, and from Navient 's website, I see they service student loans from that office. Her supervisor is XXXX XXXX, XXXX Collections Manager.
Product: Mortgage

I have applied for assistance from the homeowners assistance fund in Nebraska. I was approved back in XXXX but Wells Fargo isnt providing any help in this problem and has continually fed me lies. They are not doing anything to rectify this. The funds are available for me to help with my mortgage payments but for some reason that Wells Fargo cant explain, nothing is being done on their end. I am close to being foreclosed on. Please help before I lose my house which Ive been paying on for more than 20 years.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding a Capital One failure to deposit my direct deposit from my employer. They have cited tech issues since Wednesday which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are upheld.