23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.
Product: Credit card or prepaid card

so on the  XXXX  of  XXXX    XXXX   I received an email from Best B uy ( BB ) th anking me for my order. the email was timestamped  XXXX .     But I did n't order anything.     I found the email and read it sometime before   XXXX   XXXX   XXXX   that day because I had already call ed citibank/bestbuy had the car d canceled and changed my password on all my accounts. My balance on the card is  XXXX  today.     However I wondered what would happen to the {$1600.00} laptop that was ordered. Would BB actually ship it? I was dismayed to learn that even no more than  90  min after the order was made e ven CS at BB could  not cancel the order but they informed me that the matter had been sent to their fraud department whatever that means. I have to say that th e BB CS was abysmal I can t imagine anyt hing worse. They didn ' t seem to care about the fraud, or want to discuss what would happen next but they were very interested in verifying my identity. This order was made online and I ha ve the BB  card, it has never left this house.     The person receiving the order is "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX   XXXX   XXXX   XXXX  NJ.   Needless to say orders are not charged until shipped an d Citicards/BB said  it would not ship as there was no valid card active.     However it did ship and is on its way. I have been told that I am not responsible as I reported the fraud before it was shipped but what I want to know whose card was charged or is this a ploy of UPS/BB to intercept and arrest whoever signs for the package on the  XXXX  of  XXXX ??   I have not been able to get any assistance from  CIti or Best Buy on this matter and I am turning to you to help me understand since BB will no t or can not tell me why they sent  XXXX  dollar order that no one had paid for.     I tried to contact  XXXX  but there was no way to do so, I tried to call the police department in  XXXX   XXXX  but they hung up on me. Nobody wants to stop this crime.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX/XXXX  XXXX {$160.00} XXXX XXXX XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Vehicle loan or lease

I traded this vehicle in for another. This vehicle is paid, not active and I don't own it any more.
Product: Debt collection

EXPERIAN IS DISPLAYING XXXX  XXXX ACCOUNT XXXX A NEGATIVE ACCOUNT.CAPITAL ONE HAS SENT A LETTER SAYING THEY DO NOT OWN THIS ACCOUNT ( ATTACHED ) EXPERIAN CALLS THE DISPUTE FRIVOLOUS, SAYS TAKE IT UP WITH THE SUBSCRIBER AND REFUSES TO ALLOW UPLOAD OF THE LETTER FROM XXXX  XXXX TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2023 Equifax received my request for a reinvention, on XXXX 2023 Equifax replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Equifax violated the FCRA 15 U.S.C. 1681e ( b ), Equifax failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Equifax did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate : 1 ) XXXX Bankruptcy/ Reference XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will : -tinate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Number XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I submitted a withdrawl request of {$200000.00} from my savings account with Marcus Goldman Sachs, with more than ample funds and ask that amount to be sent to my XXXX bank checking account. I gave all the XXXX information they needed to do that. I explained that this money was for a home in escrow and these funds are time senceitive. I called probably 15 times put on as many as 8 holds and Marcus Goldman Sachs never gave me a reason why they would not release the money for transfer. I spoke to supervisors and no information was given just they need several more days, and then you call again and the same answer more days to review. They put a hold on my online Marcus Account and I was unable to access the accout. I called XXXX and told them that I had sent my problem to you and that I was recordding the line. They unlocked my on line account and I had to place a new withdrawl for funds. I am hoping that this withdrawl goes through but I don't trust them. I will withdraw the rest of my savings and 3 CD 's after I receive the requested funds. Please review and help me find a way to do this without going through the above once again. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Could not pay the loan due to losing job and loss of child support. They have used a third party debt collector to contact my family threatening to serve me with an arrest warrant in the next 30 minutes. They call my phone spoofing my dad 's number so I will pick up and threatening she will be at my house in 15 minutes with an arrest warrant to go to jail. My kids are scared as am I.
Product: Student loan

My student loans are currently being serviced by Pennsylvania Higher Education Assistance Agency. I have had multiple periods of " qualifying employment '' through the Public Service Loan Forgiveness program, but several periods have not been calculated correctly, resulting in fewer periods of qualifying payments. For example, they claim that information is missing from forms when it is not, or they claim that payment tracking can not start when I am still with the employer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been calling UWM : Customer Service : XXXX, United Wholesale Mortgage , LLC. 

for more than 6 months, trying to get this money. Many representatives before the last representative were trying to cancel the check, reissue the check but it turned out none of the requests was successful without a valid reason. 

I am requesting this amount of money to be sent to me as soon as possible, in a trackable form, as I can not afford to keep calling their customer support, all the time like this. 

Same goes to that company, as UWM can not keep processing the request to reissue a check, and the request keeps getting denied for no reason.
Product: Debt collection

Portfolio recovery is aggressively trying to collect on the charged off credit card account that belonged to my sister NOT me. They reported a collection for {$2800.00} from XXXX XXXX the account I NEVER HAD. My sister had put me as an authorized shopper long time ago so I could help her with groceries but I NEVER SIGNED for this account. I contacted XXXX XXXX  who stated they DO NOT have any negative accounts in my name. BUT portfolio recovery is refusing to validate this account but is aggressively trying to collect ... This is NOT my account!!!
Product: Mortgage

Ocwen loan company has received several modification request alongside hardship request from me. For some reason they have the idea that a property owner can not redeem their property from foreclosure proceedings. 
This company has not taken all the steps to ensure that all homeowner laws have been abided by and the buyer should be aware of their deceptive practices.
Product: Consumer Loan

Honda Financial has not lived up to their promises. They promised me in XXXX 2015 to change the due date to XX/XX/XXXX and they still have n't done this. There have been issues with Honda and electronic glitches causing harm to me and my credit. XXXX threatened me and said that I need to start cleaning my car because it 's going to get repossessed tomorrow. Honda gave me my account number over the phone and my Mom made the last payment. It has been two weeks and the payment has not been credited yet. I should n't be in repo status and XXXX had no right to harass me. When I requested to speak with a supervisor, she did n't let me until after four times. XXXX was professional. Please help because I should n't be threatened and she 's on tape. The other representatives are kind, however, XXXX made me scared.
Product: Debt collection

Per the XXXX, XXXX have no out of pocket if the past XXXX showed problems such as but not limited to XXXX. In XXXX at the same place they detected and removed XXXX. XXXX XXXX did not diagnostic as that was completed by XXXX XXXX in XXXX. This should have been coded as prevention as I have a family history of death by XXXX, the most recent was my dad on XXXX/XXXX/XXXX. XXXX these XXXX pages show the language of the XXXX in regards to XXXX. On XXXX/XXXX/XXXX I disputed the debt to XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX and XXXX, on XXXX/XXXX/XXXX I disputed the debt to Kansas Counselors of KC. The coding was XXXX and XXXX which is prevention. The letter of dispute I sent to XXXX, acct # XXXX was a letter of dispute containing the aforementioned letters to government agencies and the doctors. XXXX, merely ignored and returned to me. Then they placed it on my credit report failing to list it as disputed. They continue to call and leave messages on my cell phone, a collector named XXXX was leaving voice mails. This unjust debt needs removed from my credit as they have violated the law. It dropped my credit score XXXX points. XXXX had been constantly calling and placed improperly a debt on my credit report.
Product: Money transfer, virtual currency, or money service

I sent my mother XXXX XXXX XXXX XXXX {$400.00} on XX/XX/21 and {$400.00} on XX/XX/21 to help her pay for her dogs ' medical bills after her dog had to go into a special veterinary hospital in our area to get checked for a XXXX I sent the money through PayPal. Before my mother could send the money to her bank account so that she could pay for those medical bills, they locked her account for 180 days claiming " fraudulent activity '' even though she has used the account for years and was trying to send the money to a different bank account she now wanted to use for PayPal. After she spent hours on the phone telling them the situation, they still refused to unlock her account and told her that I needed to ask for the money to be refunded. I proceeded to do so the next day and found only one option at first, " reporting unauthorized activity '' which I found to be ridiculous but I used their description box to explain that it was not unauthorized and that I needed the money refunded. Their response was to the likes of, " There was no unauthorized activity, no refund will be done. '' I am in the process of trying to contact their customer support directly but they keep hanging up on me even though it is during normal business hours supposedly, it says they are closed and it ends the call. I sent a message through their website and am awaiting a response. While waiting for their response I figured it best to fill out this report since I see this being a necessary step that they may need to be contacted by you guys to get this properly resolved so they aren't taking advantage of people who are simply using their service to send money to relatives especially to pay medical bills that -- can not be held up for 180 days --. Thankfully, we found out from the vet and the tests, that her dog " XXXX '' does not have a XXXX, and even though XXXX is very old ( XXXXyo ) she just has a XXXX  XXXX issue and is getting the treatment she needs now.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The accounts listed below have been compromised or fraudulently opened as a result of the breach : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a collection notice from XXXX XXXX XXXX in regards to doing business with XXXX XXXX XXXX in the amount of {$3500.00} I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt. Please provide original contractual agreements.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from Citibank regarding my Savings Account with them. This document stated that my SSN was incorrect and it needed to be corrected or I would begin receiving charges on this account from the IRS. The charges would be 24 % of my interest earned each month. I confirmed on the document that was sent that my social security number was indeed incorrect. The full number was typed. Citi sent me a W-9 form to fill out with the corrected information on it. I filled it out with the accurate, corrected information and mailed it back, as was instructed. Mailing that back was supposed to resolve the issue and the corrected social security number would be fixed on my account. 

I received another letter from Citibank at the end of XXXX stating that my document I sent in was rejected but no explanation as to why. At this time, they sent me another copy of the same W-9 form to fill out and send back. By this point, they had already begun withdrawing the 24 % withholding fee from my account. 

I called Citibank on XX/XX/XXXX and was informed that this issue was a typographical error on Citibank 's part ; they typed my SSN incorrectly. The customer service person I spoke with said she would be submitting the case on my behalf and to call back in 3-5 days. I was given a reference number for this call as well. She also informed me that Citibank would reimburse me for all fees withdrawn from my account for this issue, once it is resolved. 

I called Citibank once again on XX/XX/XXXX. I was informed that again, my documentation was rejected. I informed him that I have received two of these forms. He then informed me that I was not able to speak to anyone above him to resolve this issue. And that there was no phone number I could call for that type of assistance. And he would send me another form that I have to fill out and mail it back again that would arrive in 5-7 days. But it is not the W-9 form again. I did receive this and it was the same W-9 form and nothing else with it. I was told that once I fill this out and send back, the issue would be resolved for the SSN typographical error but I would need to contact the IRS to take up the issue with the fees and that Citi has nothing to do with it. Which is not accurate because it's my account that the IRS has access to for withdrawing. 

This whole situation has been very frustrating and I want it resolved because I'm not able to do it, apparently. I have no branches for Citi near me so I can't do anything more than make these phone calls and do what I'm asked. However, I've done all of it and I'm not getting anywhere. 

The worst part is that I have had a credit card through Citibank for 11 years and my SSN is correct on that account. The savings account that I am having issues with has been opened for several years. This was the first time I have ever been informed. 

Once this issue is resolved, I will be pulling my money out of my savings account ( a substantial amount, I might add ) and taking my it elsewhere. This is no way to conduct a financial business and I'm absolutely fed up.
Product: Payday loan, title loan, or personal loan

My account with One Main Financial was closed nearly a year ago. Paid in full. XXXX balance. 

This morning I woke up and One Main had charged me {$570.00} out of my checking. I called one main customer service and they had no way to track it. Luckily, the members name was on my ACH draft. They looked the member up and my banking information was on his account but they also had his banking information. 

One main committed negligence and personally damaged me financially. This is no small mistake. My account has been closed for nearly a year. How do you still have my banking information? How is this secure? What security measures are in place? This was unauthorized fraud and negligent. Now Im wasting my time, money, and energy trying to get my money back that was negligently took out of my account. How does this even happen?