23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification on my credit report that a new account was opened in my name at American First Finance for {$3900.00} on XX/XX/2021. After reviewing, I noticed I was a victim of identity theft as several other unsuccessful attempts were made to open credit using my name and information. I immediately called American First Finance and spoke to an associate who advised me to fill out a fraud package on their website. I completed the package and submitted along with a police report on XX/XX/2021 to American First Finance. I was then notified a week later that the American First Finance account was now reported delinquent and now is negatively affecting my credit score. I'm in the process of buying a home and this has caused an issue with my lender therefore, I called American First Finance on XX/XX/2021 to see if I could get any additional information on the matter and the customer service representative ( XXXX in Kansas ) wasn't able to help me. When I asked for a supervisor, I was told she wouldn't speak with me ( XXXX  ) as I am not a customer and I just needed to wait. So I'm unable to speak with anyone and now my mortgage loan is on hold.
Product: Credit card or prepaid card

I have a Chase credit card with XXXX XXXX. It has an annual fee each year. I called at the beginning of my billing year to cancel the card ( completely close it out ) and avoid paying the yearly fee of {$60.00}. The customer service specialist said that he closed my account and credited my account for the fee and that this would be no problem. <P/>A month later I got a notice saying that not only was my account still open, but I had a late fee and interest for not paying the annual fee! I called them back to close my account and get credited back for the annual fee and the late fee that was erroneously charged, but they would n't let me. I got to a supervisor that said that there were no notes on my account that said I called to cancel, but that there was a record that I called. <P/>My account still is n't closed and they are conducting an investigation of the previous call and they wo n't refund my annual fee. They said they would call me in 7 days but I 'm not confident that they will do anything, since they could n't even close my account right the first time. <P/>As far as I know, my account is still open, too. I 'm not sure what I have to do to make this card go away.
Product: Debt collection

I told them that they have the wrong number. And do not call three times.
Product: Debt collection

XXXX  XXXX complaints : I.C Systems a medical XXXX XXXX XXXX issue of {$280.00} on XX/XX/XXXX which proves XXXX  would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX 's XXXX keeps coming up as a credit card but it is not a plastic card XXXX  it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$66.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Student loan

This complaint is about a private student loan I received back in XX/XX/2012 for PNC Bank for my first year of college. Unknown to my cosigner and I PNC had signed me up for a XXXX School Loan ( XXXX XXXX XXXX Loan Program ) despite the fact that this was my first year in college in an XXXX degree. 

The loan terms for this particular loan are vastly different then that of an XXXX loan. The main issue I have been having is that it was a 4.5 year max before the loan entered repayment. After which I entered my 6 month grace period and entered repayment in XX/XX/XXXX, right after I graduate. This loan has very few options for deferment or forbearance. Currently I can not claim economic hardship on the loan without first pay 12 months of the loan. After which I will only be granted 1-2 months of forbearance, and have to complete another 12 month payment cycle to get another period of forbearance. 

These loan terms are extremely ridiculous in general but are even worse since I was unknowingly forced into this loan my freshman year
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed my information to be stolen from them. At this time, I am unable to secure a freeze on either XXXX XXXX and experian. All 3 agencies are timing out, hanging up or otherwise not able to complete my request for a credit freeze. In addition, I experian charged my bank acocunt XXXX for a freeze that they did not and could not apply to my credit report. So, I was charged XXXX dollars for a service I did n't receive.
Product: Checking or savings account

On XX/XX/XXXX I went to the ATM at my local Truist bank and tried to deposit money. First I put in {$500.00} dollars then it I went to put in {$2000.00} in {$100.00} dollar bills. So after it took the {$2000.00} the money went in like it did with the {$500.00}, but then it didnt take the deposit and started to give me my money back. It gave me around {$1200.00} then the slot closed and then opened again and gave me another {$200.00}. It kept doing that a couple times and I only ended up getting {$1800.00} of the {$2500.00} I put in the ATM. After I got the last bit of my money that it gave me it then shot out a processing error ticket and my debit card. I quickly tried to get a picture of the message that popped up on the screen but did not get. I only got a picture of the ticket hanging out of the ATM and the message on the screen disappeared. One that happened and I got the error message it gave me I called the number provided on there. ( Also the time off when this happened on the ticket says XXXX XXXX ) I then filed a claim with them to reimburse my {$700.00} dollars that was stolen from me by the ATM. It has now been 13 days and I have received an email saying they will not honor the {$700.00} dollars they stole from me. I dont know what to do now or what direction to go but in. I feel hopeless that I will never get my money back. I dont see a world where the small guy wins.
Product: Mortgage

Ive been trying to pay my mortgage online and by phone, which is due XX/XX/XXXX. The loan servicer experienced a cyber security incident, which I found out about through XXXX and a XXXX article. The servicers toll free number has a message indicating their agents have no access to accounts, and there is no option to make a payment. Their website is inaccessible. At this time, the loan servicer has not sent any communication regarding this incident or when it will be resolved, and has not provided an alternate way to make payments.
Product: Credit card or prepaid card

My name is XXXX XXXX. I've been out of the country since last year because I flew out where I had XXXX on my left back left back. In XXXX I was struck by an automobile while walking across the street. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

Before I left I had issues with my BOA account due to fraudulent activity. The particular account was one of the funding sources of my automatic payments with - Capitol One. 

I forgot to get the account switched so I called and got that changed in XXXX. I told the Capitol One Agent to change the old account and gave a reason. I also started to use my other funding source ( XXXX ) as the new funding source going forward and go ahead and charge my minimum on the phone with us today and also set up automatic billing. 

All was agreed upon. 

So I traveled to XXXX for XXXX then to XXXX where I did my rehab, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Capital one has already charged of one of my accounts in : XX/XX/XXXX. 

I see whats going on and made a complaint to Capital One on ( XX/XX/XXXX ), in regards to the matter. I was advised that both accounts will be reviewed and not to make any payments to accounts are reviewed. 

Fast forward to today - XX/XX/XXXX - I called capital One in regards to an update from past convo on ( XX/XX/XXXX ) and instead was told not that my other account has been charged off. 

Are you serious? You said I shouldn't do anything and wait for a call ... .. 


I have never had an issue with Capital One until last year when I left all the way up to now. Prior I had no issues with them and my accounts were current and paid. 

Capital One made a mistake and has made me the consumer pay dearly. They have charged off both my accounts, falsely - when the fault was their agenda not mine. 

They have cost me almost XXXX points off my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Capital One and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments and charged off the account of my credit. 

Already beginning to consult lawyers about possible legal action against Capital One in regards to the issue.
Product: Checking or savings account

Bank of America is charging a fee that I was never properly notified nor did I agree. This was a free account. I have a XXXX.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately :
Product: Credit card

When I discovered I had been a victim of identity fraud and someone used my personal information to fraudulently open credit accounts I obtained a copy of my credit reports. I discovered someone had fraudulently opened an account with Capital One Bank on XX/XX/2015. I immediately contacted Capital One by phone and letter. I also informed Capital One Bank someone had fraudulently tried to file a bankruptcy petition to hide the fraud. Capital One Bank said since the information used to open the account matched my information they said the account was mine and I needed to pay it. Capital One Bank refused to give me a copy of the fraudulent application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX.action. I was only able to view my XXXX credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.
Product: Credit reporting

Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me XXXX XXXX afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting or other personal consumer reports

Transunion is reporting hard iquiries on my personal credit report that I did not authorize nor have I seeked personal credit.

the dates and creditors are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want Trans Union to remove these Hard Inquiries Immediately.
Product: Credit card or prepaid card

I opened an Apple Card account with Goldman Sachs Bank in XX/XX/XXXX, but I havent been able to use the card even once, as some sort of block seems to have caused my every attempt at making a transaction to be declined. I have attempted purchases in all three ways that this card can be used : 1 ) with the physical card ; 2 ) through the XXXX app on XXXX devices ; 3 ) using the sixteen-digit card number and CVC to make an online purchase. Nothing has worked. I have contacted Apple Card repeatedly about this problem, and in each instance Ive been told that the account appears to be in order and should work normally. Periodically I attempt a purchase to see if anything has changed. 

Im guessing that this block may have something to do with an issue I encountered previously with Apple Card, which involved my account being erroneously closed. That issue was dealt with by Goldman in response to a CFPB complaint filed in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. 

Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Student loan

I have been trying to pay my student loans through Aidvantage since XXXX and I continue to have them processed and sent an email saying the payment has been collected and then a few days later receive an email saying they have not received a payment from me. The interest is increased and then Im now facing them being sent to collections. I have seen many people are facing the same issues. Upon trying to call and talk to someone Im on hold for 2 hours and still never reach a representative. This is frustrating considering Im trying to pay them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative at credit card company XXXX XXXX on XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
XXXX XXXX is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and Transunion are reporting these inaccuracies and will not investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : 06 XXXX  XXXX   XXXX XXXX ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}