23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX.
Product: Credit card

Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, my identity was compromised and used to submit multiple fraudulent applications for credit cards and loans. 

After discovering this, I reviewed my credit reports from all three credit bureaus and contacted companies that had made hard inquiries during this time frame. Upgrade was one of the companies involved. 

On XX/XX/XXXX, I called and spoke with a representative at Upgrade to report that the application was fraudulent and requested that it be voided.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

There are several months listed as ineligible for PSLF while I was in administrative forbearance.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING COMPANY- XXXX  XXXX IMEDIATELY I am writing to formally request the immediate removal of the following inquiries on my credit report, as I have no knowledge of these inquiries and did not authorize them. These entries appear to have been made without my consent and are negatively impacting my credit score. The unauthorized inquiries are as follows : XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry-XXXX XXXX XXXX XXXX XXXX - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my report immediately.

If these inquiries are not removed promptly, I will consider further action to protect my credit profile. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

This is additional letter that Im attaching to the current claims that are pending investigation. Please attach this document for Claims ID : XXXX ( {$11000.00} ), Claims ID : XXXX ( {$8900.00} ), and Claims ID : XXXX ( {$10000.00} ) The charge is in error because the items werent delivered. I ordered XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, and XXXX orders of the XXXX XXXX XXXX XXXX on XX/XX/2023, exclusively release in XXXX. The seller promised me to deliver the items to me on XX/XX/2023, but I never received the items. Upon checking with my seller, my seller informed me that the items she received to her house were not the cups that we were expecting it to be therefore my seller agreed to send me the refund on XX/XX/XXXX because she called me stating that the cups, she received were not the cups that I placed the orders for. She made me look like a fool into thinking that all my orders were fully secured. For 2 months, she keeps reassuring me that everything was secured and on the way. I had a feeling that she did not secure because I asked her why the package barely ship now from the other province when the release was end of XXXX. She did not reply. I have done business with my seller multiple times, and this is the first time that she has not provided me the merchandise. She even has my bank information to process the refund, so I dont see the hold up from her. 

I am requesting that the errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have tried to file chargeback claim with my bank per XXXX instruction on XX/XX/2023 and today i got the results and they are denying my claims because they don't have the recovery right which is what i do not understand because XXXX clearly stated that they will help to get the funds back when my bank XXXX Bank of America ) contact XXXX and only to find out that they never did. They just contact XXXX 's bank which is XXXX XXXX. 

I absolutely do not feel protected, depositing my money with Bank of America anymore. I will be closing my account effective immediately because of the way Bank of America has been handling dispute claim and it is truly disappointed. I've been a value member for 12 years now and this is the second time i filed dispute and Bank of America decided AGAIN not in my favor Enclosed are the copies of documentation ( screenshot from my seller ) stating that she agreed to send me the refund supporting my position and experience. I will be attaching written statement from XXXX that they have my back and will work with my bank. Please correct the error on my account promptly
Product: Checking or savings account

Capital One is having technical issues nobody is getting their deposit or can't use their debit card
Product: Money transfer, virtual currency, or money service

Venmo for the XXXX this year has suspended my account for no good reason. All of my transactions are perfectly fine and normal. But this lackluster company has been screwing me repeatedly. I will sue if this doesn't work
Product: Debt collection

I am receiving a call from a gentleman, that states he is a lawyer for a business under the name FAST CASH a payday loan service. He states that I have taken a loan out with them of {$600.00} on XXXX, that I have no remembrance of. There is no indication of such account on any of the three credit bureaus. He states that I now owe {$1300.00} and must pay or I will be sued. He seems to only know so much about the business he represents. Also sent me a email with an unprofessional letter head, under the email address XXXX. The business name on the letter head is XXXX XXXX XXXX XXXX, I can not find them with the XXXX or anywhere else. The address on the email traces back to a shopping center in which i called and has no firm in it. This man continuously calls my place of work. The company he claims to represent says they have no record of me.
Product: Debt collection

i just knew this account on this month when i tried to applied a credicard but it was declined so i check my credit report.the credit report show the collection account was created on XX/XX/2020, but i didnt live in NC, im impossible been to the NC hospital.and i didnt received any statement bills, i dont know why this account created under my name.my brother lives in north carolina, his name is XXXX XXXX XXXX, its similar with my name XXXX XXXX XXXX, i dont have his SSN, i worked for him in north carolina couple years ago.please double check the information,
Product: Mortgage

I had XXXX loss of income and increased housing expenses over the last year and a half. I fell behind on my second mortgage or HELOC with sls. When I initially talk to them, they sent me a assistance package application, which I probably filled out there. It was a period of approximately two months for an answer. I then appealed and there was another month delay before I received a notice of default and foreclosure, and no answer yet on the appeal when I call, I am told different things each time and I can rarely get hold of XXXX who was my assigned agent to assist me with my matters. I think of the 15 to 20 times that I called. I may have spoken to her once I requested that Id be allowed to pay the amount that I fell behind over that over period of time or to add it to the end of the mortgage, and they denied and said they could not provide me any assistance whatsoever, I find it to be unfair and deceptive for them to string me along and then provide no assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, in checking a credit card balance, I discovered fraud on my credit reports. I found that there was an unpaid balance of {$1500.00} with Sunrise Credit Services, XXXX XXXX XXXX, XXXX NY XXXX. Phone : XXXX. This account was sent to collections and is showing a negative reflection with all 3 credit reporting agencies. My credit score, which is always in the 800 's, is now around 710 due to this. I immediately contacted Sunrise Credit to inform them I had no knowledge of this transaction and did not make it. They took all of my information and indicated the account was closed sometime this year. They advised me that the account was initially opened sometime in the fall of XX/XX/2021, with XXXX XXXX XXXX XXXX. The date of first delinquency was XX/XX/2021. An unknown person used my social security number and name to open this account. The address used by this person ( s ) was XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX. I have no knowledge of this address or anyone living there. Sunrise Credit is mailing me a packet to complete to pursue this. I am in the process of filing a police report as well. I have also filed disputes with all 3 credit reporting agencies as well. I want this transaction removed from my credit reports to reflect my true outstanding credit. I have absolutely no knowledge of this transaction and am asking for assistance rectifying it.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I sent Regional Finance a cease and desist which they received as evidenced by the attached letter. I asked the company for several different documents. The corporation sent a copy of the agreement. The corporation sent nothing else. The corporation was also asked to request deletion of the named account from the credit report agencies. The letter I received did not acknowledge that request and the account is still reporting on my consumer report. I did not give the corporation permission to furnish my financial information. The corporation did not give me an opt in or opt out option.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My credit report shows the balance if I continue making minimum payments for the entire loan term but it doesnt show the payoff amount, in other words its showing more than what was borrowed including all interest and fees. 
My monthly statements also show this and not the payoff amount
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report, that was Previously removed and got re added back by you guys, however the other credit reporting agencies have removed them The charge-off of an obligation with ; XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with ; XXXX XXXX XXXXXXXX is not mine ; I am not responsible of this account, The Collections with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX are not mine ; I am not responsible of those accounts, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.
Product: Debt collection

This company did an unethical thing of calling my landlord to which is not my family she is the person I pay my rent to where I live. This has been an embarrassing & a humiliation of putting my personal business out there to my landlord. She is angry because they continue to call her cell phone leaving messages requesting me. This is not correct its illegal to do this & there needs to be action taken against this company for this. You need to reach me you send me a email or a letter in the mail I will respond. But you dont involve strangers like my landlord.
Product: Mortgage

I was a Sandy-impacted homeowner, and I was found to be eligible by the DCA for a term of forbearance under state law P.L.2017, c15 which provides for a temporary suspension of principal and interest payments on your mortgage. Exhibit M - NJ Statue From XX/XX/XXXX to XX/XX/XXXX, I was under the forbearance program with my mortgage company, Nationstar/Mr.Cooper/RightPath Servicing. The outstanding balance of my mortgage at the beginning of the forbearance ( XX/XX/XXXX ) was {$84000.00}. As required per the NJ Statue, I resumed making my regular monthly loan payments of {$1300.00} once the forbearance period ended, XX/XX/XXXX. I have made a total of 13 payments of {$1300.00} and 1 payment of {$2800.00} XXXX XXXX XXXX XXXX ) a total of {$20000.00}.

Resolution Letter from Mr. Cooper dated XX/XX/XXXX - During the forbearance period Mr. Cooper ( mortgage co ) made deferred payments to my account to the sum of {$83000.00}. At the end of the forbearance period, they want this deferred amount to be paid in a lump sum or I would have to do a modification loan. Mr. Cooper/RightPath Servicing did not follow the Hurricane Sandy NJ Forbearance Statue. 

XXXX Filed complaint against Mr. Cooper with the State of Jersey Department of Banking and Insurance . 
XXXX The State of NJ Division of Banking and Insurance closed complaint against Mr. Cooper after receiving Mr. Coopers resolution letter dated XX/XX/XXXX. 

I do not believe that the NJ Department of Banking and Insurance should had closed the case as Mr. Cooper did not follow the Hurricane Sandy Forbearance NJ Statue. There should not have been any deferred payments, or any modification done to my loan while in forbearance.

All the explanation of what they did to my loan during the forbearance period for their accounting purposes and/or their investors should not have affected what I owe on my loan. The terms of my loan should not have change ; no deferred payments nor modifications should had been done while in forbearance.

All I want is to have my payments so far of {$20000.00} be applied to my outstanding loan balance of {$84000.00} and for the repayment period to be extended by the number of months the forbearance was in effect ( 5 years ) as per the NJ Statue.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

All student loans have been removed permanently for the credit bureaus due to XXXX XXXXXXXX. However, recently, all loans from XXXX aka MOHELA has shown up on all of the credit bureaus. The loans were disputed as removed but the dispute came back as accurate information and that is entirely incorrect.
Product: Credit card or prepaid card

On XX/XX/XXXX, made 3 purchases that i didn't remember using Shop Your Way Mastercard for, they were XXXX & XXXX to XXXX XXXX, and XXXX to XXXX XXXX XXXX, totaling XXXX. In XX/XX/XXXX while paying bills, i questioned the charges, Shop your way told me not to pay it and said they would find out what was charged. They sent it to their fraud department which reported I didn't need to pay the XXXX, that the charge were fraudulent. XXXX froze my account the end of XX/XX/XXXX, because Shop your way took the payments back of XXXX, XXXX and XXXX, totaling XXXX i paid XXXX XXXX XX/XX/XXXX and told Shop your way that XXXX was paid and Shop your way was owed nothing. Since then it has been a monthly late fee from XXXX every month, calling and talking to their reps, thinking we have it straight, then the next month, another late fee. Now they have a credit company wanting XXXX, the original XXXX and months of late fees they are adding on, while they affect my credit score adversely. i faxed to XXXX the statements from XXXX that show they were paid XX/XX/XXXX, i also sent it to XXXX XXXX  XXXX, but to no avail. They refuse to stop charging me with proof.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called Mandarich Law Group LLP on XX/XX/XXXX XXXX XXXX  at XXXX and spoke with XXXX XXXX I attempted to clarify who exactly was suing me after informing him I had received an unclear, threatening letter. He proceeded to ask me my name and the file no to locate the account. Once I successfully provided that, he then proceeded to tell me he would need me to provide my address AND last four of my social security number as an identifier. At this point, let him know that I was uncomfortable providing my social or even my address, for that matter. I also let him know a social security number is NOT to be used as an identifier but id be willing to provide another form of idenitification. He then doubled down and let me know he would only be accepting my social security number. I have no idea who this company is, I have reached out in several ways for them to clarify WHO they are, WHY they have the last four of my social or ANY of my information for that matter. What exactly are you suing me for? The top of the letter they are acting as attorney yet no one is actually on this paper, it's not clear who I speak to, there's no human person to reposed to. This is a baseless claim and now it is fraud as far as im concerned. You illegally have my information, you are bullying and intimidating me to pay an alleged debt. this is outrageous and this must be stopped now
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX, I attempted multiple times to withdraw my XXXX ( XXXX ) from XXXX Each time, the withdrawal was blocked by a security hold, even though I repeatedly completed all requested ID verifications and provided proof of wallet ownership. 

GXXXX  took up to 119 days to respondor sometimes did not respond at allyet kept asking for the same verification steps. As a result, I had no practical way to move my XXXX out of XXXX  and was forced to sell my holdings for USD on their platform, causing financial harm ( trading fees, lost opportunity, and potential taxes ). 

I requested phone contact and a supervisor, but XXXX  never called or provided a real explanation. I am seeking a written explanation from XXXX, a review of their policies to prevent extended holds, and fair compensation for the forced sales and fees I incurred. 

I have a longer, more detailed complaint document that I can provide upon request, if needed.
Product: Debt collection

This debt was settled and paif through XXXX XXXX and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus
Product: Debt collection

DCM Services , LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX DCM Services calls and sends letters to me concerning " The Estate of XXXX XXXX '', I have told them many times I have no knowledge of this estate. 
I ve asked them to please stop calling me at work. They claim it's a private issue and can not discuss it with anyone. 
I want them to stop calling and sending letters to my mail box.