23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Radius Global Solutions claims I owe an amount of {$190.00} to XXXX XXXX, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by XXXX XXXX, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX wirh a forged signature. XXXX XXXX accepts forgery as true and correct, reversed temporary credit in amount of XXXX Radius Global referred account back to XXXX XXXX XXXX advised they would reach out in re, have not heard back.
Product: Debt collection

I sent Midland Credit Management a letter on XX/XX/2019 requesting that they cease all communication except to call my personal cell, XXXX. They repeatedly call my GOVERNMENT ISSUED CELL at XXXX and have disregarded my written request. I would like to report them for violating the policies of debt collection.
Product: Mortgage

I was in need of modification due to XXXX. I filled out hardship paperwork and during the same time Faye Servicing sent a letter saying they were taking over servicing the loan. They also had me fill out hardship modification paperwork. A few weeks later I heard from XXXX XXXX XXXX that said I was going to do the modification with them. They had me send them a cashiers check for the attorneys fees. I added XXXX XXXX XXXX to this and it was sent back and they said to make it fast get the gift cards. Stupid now, I live in a rural area so since they had all my info I went with it for XXXX months. I kept all the paperwork. Now I am facing foreclosure in XXXX weeks at sheriff 's sale. I have all the cards still.
Product: Checking or savings account

I spoke with a rep with XXXX XXXX XXXX XXXXg today, XX/XX/XXXX, regarding a check issued to me from Capital One which was fraudulently cashed.. The rep stated Capital One should have provided a fraud affidavit which they did not and have not investigated signature which was requested numerous times in the past. The check in question is from a closed 360 checking account in the amount of {$4200.00}, intercepted and forged while I was on vacation on or around XX/XX/XXXX. I've provided proof of whereabouts at time of check interception and cashing as well as check copies showing forged signature, Capital One rep by the name of XXXX will not investigate. Numerous complaints filed in re since XXXX of XXXX, unresolved, Capital One rep ( s ) will not reissue check for funds owed.
Product: Checking or savings account

chase brach at XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my locker fee as amount was charged without my authorization and despite my request to have it closed. I never authorized an auto charge, Chase has took the locker key from my position and closed the locker but never refunded the locker fee.
Product: Credit reporting or other personal consumer reports

I have an auto loan throught XXXX XXXX  XXXX XXXX. I have called multiple times since XXXX to get my account balance and payment history updated. I have made all of my payments on time. The payments and the loan amount have not made updated with transunion since XXXX. All you get is the run around with no one willing to help. I'm truly hope. XXXX is able to help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019a charge was attempted on my debit card for $XXXX from 'WORLDREMIT', a money transfer company. The charge was attempted at approximately XXXX CST. After calling my bank, it was found that WorldRemit had the billing address wrong for the card, so the charge did not go through. Because this was an unauthorized transaction, my debit card was cancelled. On XX/XX/2019a charge was attempted on my mother's debit card for approximately $XXXX from 'WORLDREMIT'. The charge was attempted at approximately XXXX CST. The charge on her account went through, and the money was withdrawn. As of this moment, a hold has been put on her account and she is reporting the fraudulent charged to the bank. Both my mother and I use the same bank, the XXXX XXXX XXXX XXXX XXXX, neither of us have ever used the money transfer service WorldRemit before.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB-CARD SERVICE I have an inquiry on my XXXX report that I did not authorize. I have not applied for any credit since XX/XX/2021.
Product: Debt collection

Please delete this account this is fraud I never gave anyone authorization/ permission for anything I asked for the original creditor and theyve never responded this is fraudulent please delete these collection accounts. 
XXXX XXXX XXXX for {$580.00} reported XX/XX/XXXX XXXX XXXX  XXXX for {$220.00} reported XX/XX/XXXX XXXX XXXX XXXX for {$61.00} reported XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding a debt that you claim I owe, referenced by the account number [ Account Number ]. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide validation of this debt. Please consider this letter a request for proof of the debt in question.

Specifically, I request the following information : The amount of the debt : A complete breakdown, including all fees, interest, and any other charges.

The original creditor : Documentation showing the name and contact information of the original creditor.

Proof of your legal authority to collect the debt : Copies of any agreements or contracts that confirm your authority to collect this debt.

Verification of my liability : Proof that I am the person responsible for this debt, including documentation of my agreement or signature on any relevant contracts.

Please understand that until I receive the requested information, I do not acknowledge or accept responsibility for this debt, and I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, until validation is provided.

If you are unable to validate the debt, I expect that you will remove this debt from my credit report and cease all collection efforts immediately.

Please send your response to me at the above address within 30 days of receiving this letter.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I was - {$300.00} for about a week because I over drafted my account and then got charged late fees that are {$34.00} dollars each but I needed to overdraft because my mom lost her job and she has XXXX of my siblings living with them so I couldnt let them go hungry. I have been banking with Chase Bank since I got home from the military about a year ago they did not contact me at all and I was supposed to get paid this past XXXX XXXXXX/XX/year> but when I checked my account my paycheck never came through I contacted my job and they said they sent my check to Chase already and Chase already excepted it so I called Chase and asked him what the problem was because like I said before nobody contacted me that I was getting my account closed down when somebody on the phone, they told me that a decision has been made and my Chase account will be closing down and the best they can do is send me a paper check in the mail in 15 days I dont know what Im supposed to do because my mom was really hoping on me to get my check on the correct date, but I did not because Chase deleted my account. I still have to pay my own rent my own car payment my phone bill and somehow I have to figure out how to give my mom money, but I have to wait 15 days to pay my personal needs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX in which is subcontracted through XXXX, XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A. States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Product: Credit card

Went into Old Navy and bought a couple of things. At the register their POS said XXXX XXXX XXXX for the credit card. The clerk said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... but alas the card was declined. This is so deceitful. I am sure in the fine print somewhere it says something. My problem is the wording. It didn't say XXXX XXXX XXXX XXXX. I know a lot of times an in-store app is XXXX because they can positively ID someone. But how can Old Navy and Barclays get away with this wording? This seems like pure and utter deceit to increase apps. But corporate is in on it! The clerk certainly couldn't have done anything to the POS. The interesting part too is I knew it declined because I had to pay with a different card. When questioned, the clerk said " It has to go through final processing. You'll get the card in the mail in about XXXX  days ''. How? Just how are they getting away with this?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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
Product: Mortgage

Applied for a refinance with Pentagon Federal Credit Union for XXXX XX/XX/XXXX Was told then that the amount was small but they continued to process the refinance Included my wife. Told in emails that we had until XX/XX/XXXX to obtain the intent to proceed. PenFed told me that the entire process must be completed within 30 days told to pay {$600.00} for the appraisal on XX/XX/XXXX told thank you for choosing PenFed on XX/XX/XXXX told on XX/XX/XXXX which documents needed. 
PenFed told us on XX/XX/XXXX that a response was needed no later than today at XXXX AM my wife replied by XXXX AM Here is the last email from PenFed dated XX/XX/XXXX -- Thank you for sending those. After reviewing them it looks like we are only missing the following : Unless you filed your XXXX taxes than we will need those in leu-of of ones below. Thank you Kindly. 

I opened a complaint with The XXXX XXXX XXXX regarding this matter when all attempts to contact PenFed through phone calls, emails, and letter no reply from PenFed happened until they were contacted by the XXXX. PenFed concluded that by XX/XX/XXXX we did not supply all the necessary documentation? and that the application was withdrawn for incompleteness
Product: Checking or savings account

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card

I received a letter in the mail stating that this company had approved me for a credit card and that I should call to activate my account. The letter also detailed several fees associated with this card. 
I didn't apply for any card with this company but I was concerned that they would try to make me pay their fees by threatening to ruin my credit rating so I called the number to attempt to close whatever account they had opened under my name. Their automated system failed to connect me with anyone. It was stuck in a loop. I emailed the company requesting that they close the account but was told I would need to call their phone number again and activate my account to be able to close the account. I informed them of the problems and made several attempts to connect with someone who could resolve this. They have repeatedly failed to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO MACYS DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Product: Credit card or prepaid card

RE : Bof A crdit cards -- XXXX or XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX credited a charge back in US . The choice of denoimination is mine, not XXXX XXXX. This unilateral choice cost me {$80.00} to {$100.00} due to currency fluctuations. XXXX has never responded to this complaint. 

Bank America, in it's wisdom, had declined the claim. I abhor Bof A 's attirtude which just enanles and encourages this typr pf scam by hotels etc. B of A 's position, in my experience, is to default to the vendor. 

Someone needs to look after the little guy. Start with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/year>, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to Equifax, XXXX, XXXX or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.
Product: Credit card or prepaid card

I had a credit card with Wells Fargo through XXXX XXXX XXXX XXXX  that was supposed to be closed on XX/XX/2023 because I paid off the balance on that day. I have proof and confirmation number that I paid of the account. After two months Wells Fargo retail credit card service, came at me stating they never received the payment from me. Then they charged me the last payment that I had made which was {$780.00} plus interest.
Product: Debt collection

On XX/XX/XXXX, I received an emailed contract from the " debt collector '', American First Finance. Pursuant 15 USC 1692a, American First Finance is a " debt collector ''. The " debt collector '', American First Finance has also used false, deceptive, and misleading representation in connection with this debt. American First Finance is in violation of 15 USC 1692e ( 1 ). It is implied that American First Finance being a corporate business in the United States ( XXXX, Kansas ) since XXXX makes them affiliated with the United States. American First Finance is in violation of 15 USC 1692e ( 2 ) ( A ). Pursuant to 18 USC 8, the term obligation or other security of the United States includes all certificates of indebtedness, hence my contract. Pursuant 26 CFR 301.6323 ( h ) -1, the term security means any evidence of indebtedness issued by a corporation. Per federal law this alleged obligation of the consumer is in fact the obligation or other security of the United States. American First Finance is also in violation of 15 USC 1692e ( 11 ). They did not disclose in the initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.
Product: Checking or savings account

On XX/XX/14, I mailed a BOA check to the address below : Internal Revenue Service XXXX  XXXX, MO XXXX After receiving a letter form the IRS on XXXX that the check was not received, I logged into my BOA account to check the status of check # XXXX. In reviewing the check, I noticed that it was cashed by a Merchant   XXXX at a XXXX bank. I immediately called Bank of America fraud and initiated a claim. 
On XXXX, I went to the DC  Police department to open an investigation. On XXXX, I returned the claim form that Bank of America sent me that morning with signature and details. When I requested to be temporarily returned my funds, Bank of Americas fraud supervisor XXXX/XXXX  stated that this type of fraud doesnt allow Bank of America to return funds. 
As a customer, I should not be treated as a criminal. I am the only victim in this situation. Bank of America should have never honored a check written to the IRS and cashed by a bank. It is completely inappropriate for the customer to be inconvenienced when Bank of America didnt perform its fiduciary duties to protect my funds.
Product: Credit card or prepaid card

Re discover card account # XXXX Discover card services had opened a pair of disputes that I had not requested : Dispute number 1 - a {$2000.00} charge on XX/XX/22 to XXXX XXXX XXXX on my Discover card ending in XXXX. 

Dispute number 2 - a {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to my Discover card ending in XXXX. 

I do not dispute these charges and had communicated this via fax to the company yet had not received a response. I had also communicated to the company via fax to ensure my mailing address on file is current ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) yet have not received a response. 

I have been left to communicate with the company via fax as they refuse to deliver phone or chat support to me citing a " fraud alert '' on my account. 

I trust this complaint will aid to restore normal service to my account and a recall of these erroneous disputes. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. I sent them a letter but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included here with the report number XXXX. 

I sent them a letter dated XXXX  which was received and delivered to them last XX/XX/2023, and I called them last XX/XX/2023, and XX/XX/2023 and according to the agents and supervisor my documents were rejected because of the " invalid FTC report '' I called the FTC according to agent in FTC all the information in the report are correct and invalid and could not see any reason why Equifax consider this one as invalid. 

I have also attached all the documents needed to support this complaint. ( FTC report, package letters, Driver 's license, proof of address and the usps tracking )
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX
Product: Student loan

I have two student loans, [ one with FedLoan Servicing : {$170000.00} & one originally from XXXX, transferred to FedLoan Servicing : & & XXXX ]. I am paying {$1100.00} on the larger loan & {$170.00} on the smaller one. I have been paying for over two years on the smaller loan, which means it should have been paid off a while ago ; however, when I contacted FedLoan Servicing, I was told that only {$8.00} was being applied to that loan and the rest of my monthly was being applied to the larger loan. Can they do this? They also told me they would lower my monthly payment to {$12.00} instead of {$170.00}, which they have not done! I would like this loan to be marked : PAID IN FULL since I have paid OVER {$4000.00} on this loan. What can I do?
Product: Payday loan, title loan, or personal loan

Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.