23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. 

We are unable to attach documents because we do n't have email capabilities with this computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am aware that Equifax has grossly violated the Congressional Laws under 15 USC 1681b - Permissible Purposes of Consumer Reports. ( a ) In General : Subject to subsection ( c ), ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I NEVER gave Equifax or any consumer reporting agency any written consent to report anything on my consumer report and or file, which is in clear violation of my Privacy. No consent is identity theft.
Product: Debt collection

There was n't a category that matched this and it 's more I 'm considering legal action. 

I have been trying to contact Gatestone about a debt I have that got transferred to them. The numbers provided go to voicemail only and voicemails do not get answered. I checked my credit report and the account with the original debtor is showing that I have n't paid since 2013, but I have been making regular payments. I also need them to acknowledge that this is the last month for a payment
Product: Debt collection

I contacted hospital collection services after getting an alert that a collection was placed on my account. They informed me I owed XXXX, which is a balance from XXXX XXXX XXXX XXXX XXXX plus interest. I informed them that I am a 100 % XXXX veteran and the XXXX pays my medical bills. They insisted I pay and refused to remove the debt. I contacted XXXX XXXX and they stated I have a XXXX balance with the hospital, for Me to contact XXXX XXXX XXXX billing to see if they are seeking a debt. Upon contacting them, they informed they have the debt, never sent any correspondence and never tried to bill the XXXX
Product: Checking or savings account

TD Bank Is Charging me alot of Money On My Cheeking Account:XXXX Am Getting Charge For Overdraft Fees - {$70.00} and Am Getting Charge for a Provisional Credit Reverse on My TD Checking Account Please Help me With This Problem TD is Charging Me A Total : - {$730.00} on My Checking Account
Product: Debt collection

I received a collection notice from Radius Global Solutions. I asked for verification of the debt. All they sent were statements showing an accountant being charged fees on top of fees. I subsequently asked for more verification as what they sent didn't meet what is required by FCRA. I am once again asking Radius Global Solutions to provide me with 1 ) An ORIGINAL contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor not just buying debts for pennies on the dollar to collect illegally. 3 ) Proof that you are licensed to collect debts in the the state of Colorado 4 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of an account in the negative being charged fees. 5 ) roof that you the collection agency are in compliance within the statute of limitation in the state of Colorado. If you can not provide the aforementioned materials, collection efforts need to stop and this needs to be pulled from my record.
Product: Debt collection

The Capital One credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, Capital One Bank sold the debt to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX with a reply that the debt was discharged in Chapter. XXXX XXXX XXXX calls daily more than three times per day regarding collecting the debt.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 My name is XXXX XXXX, I have looked everywhere for help. My daughter passed away on XX/XX/XXXX and I spent everything I had and then some just to get her cremated. I couldn't even have her buried. I was evicted after the eviction ban and I borrowed the money to rent a place, I was {$300.00} short and a friend decided to send it to me via PayPal. They claimed that I violated user agreements and put a permanent hold on my account and in 6 months I might be able to get my money. I had {$370.00} and {$300.00} in a moving fund, I lost the money that I put down on the house. So I am XXXX XXXX XXXX XXXX XXXX XXXX with my daughter 's ashes and have not eaten in 3 days. Will you please send a letter to PayPal and demand them to return my money? I thought about getting a lawyer because this has broken my spirit. I am so XXXX  and I feel XXXX, I think they should pay enough in damages at least so I can have a home and bury my daughter. But if all I receive is my money, I will count myself lucky. Thank you for reading this.
Product: Credit reporting, credit repair services, or other personal consumer reports

my capital one auto says last report dates was on XX/XX/2021 but my statuss dates says 30 days last when account was paid in full on that day.
Product: Credit reporting or other personal consumer reports

I can email u a file of what really happen better If someone can call me and figure this out I will really appreciate it. 

Someone opened credit act using my info capital one think its me and wont move forward. XXXX XXXX  got disputed easily
Product: Debt collection

It has been brought to my attention that DCI has input a collection account in the amount of {$1500.00} representing XXXX XXXX. I have never done business with DCI nor XXXX XXXX. I am a victim of identity theft and theses accounts are a result of identity theft. I have no obligation and never have had any obligation to pay XXXX or DCI. There is no contract bearing my signature nor is there any contract at all that I have signed to receive services from DCI Or XXXX. I am livid that DCI inserted this fraud alleged account onto my credit file. I have never received anything from DCI stating that I owed them anything and I was not given the chance to dispute this account before being inserted. How can I owe something to you and Ive never dealt with you.
Product: Credit reporting or other personal consumer reports

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. 
These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

Dear CFPB, I am writing to file a complaint against CitiBank concerning what I believe to be discriminatory treatment in my recent application for the Citi AAdvantage Platinum Select credit card. I believe CitiBank 's actions may violate the Equal Credit Opportunity Act, which prohibits discrimination in credit decisions based on national origin. 

Details of My Case : XXXX. In XX/XX/year>, I received a pre-selection letter from CitiBank/XXXX XXXX XXXXnviting me to apply for the Citi AAdvantage Platinum Select credit card. Based on this invitation, I submitted my application.

2. After submission, I received an email from CitiBank confirming that my application was being processed. Shortly after, I received a letter from CitiBank requesting a copy of my XXXX XXXX XXXX XXXX XXXX XXXX. As I am currently in the United States on a XXXX XXXX  I do not hold a XXXX XXXX XXXX XXXX XXXX  So, I contacted CitiBank to inquire if I could submit alternate documentation to verify my status. However, my request was denied, and my application was subsequently declined on this basis. 
4. CitiBanks handling of my application appears to violate the Equal Credit Opportunity Act. Despite CitiBank 's knowledge of my nationality ( XXXX ) from my application, they chose to process it and ran a hard inquiry on my credit report, only to later deny my application for lack of permanent residency or citizenship status. I believe CitiBank could have informed applicants of their residency or citizenship requirements upfront to avoid unnecessary applications and credit report inquiries from individuals like myself.

As a result, I now have an unnecessary inquiry on my credit report, which negatively affects my credit score and reflects an application for which I was ultimately deemed ineligible solely because of my current visa status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm financial XXXX XXXX unauthorized inquiry XXXX XXXX XXXX unauthorized inquiry XXXXXXXX XXXX  XXXX XXXX unauthorized inquiry
Product: Debt collection

Debt collectors calling and leaving voice messages and emails harassing me daily. Calling me to disrespect me at any level. Threatening me to take legal actions. This debt collector had bought a debt from XXXX whom I use to work with. Which I dont owe that amount and Im still in contact with XXXX XXXX I dont know who this debt collector is.
Product: Student loan

Good morning, I get into the XXXX XXXX  class program enrollment at XXXX XXXX through my SSN. 

the XXXX XXXX XXXX 0 % APR program, XXXX XXXX XXXX I don't know exactly amount what I get the student loan, and the next day I get approved, I do the ACH payment each month XXXX. 

on this year, I think the I am under the {$3300.00} what they advertised on their website, but this year XXXX I have payed over {$3300.00}, so I call them, they said I have over {$4000.00}, and I need pay extra {$1300.00} around. they don't applied my student discount, and give me the full maximum payment, and I don't know why they do that. 

Those couple of days, they said the XXXX billing department, I think is XXXX XXXX on XXXX XXXX, IL. they said they don't have my ACH account, and I have another Loan under my name at XXXX XXXX, which is two month ago. 

I never have multiple loan with them, they have the potential student loan fraud. I ask them about the tax document last year, they can't provided.
Product: Credit card

On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off. 
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on debt on my credit file that I do not owe. I was never notified of this debt. I only noticed this bad debt on my credit file. As soon as I found out I called and immediately paid it. However, I was not given the proper protocol. I never received any phone call, letters of any type in the mail. This is a violation of my 30 day right to dispute. This debt is years old and when I called they had no idea why they did not send me any proper notifications. This bad debt needs to be removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( Experian, XXXX, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX, XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Bank account or service

Hello Sir, XXXX XXXX XXXX XXXX XXXX has a checking account # XXXX XXXX XXXX at Bank of America ,XXXX XXXX, CA XXXX. 
The fraudulent transaction took place from XXXX XXXX XXXX to XXXX XXXX XXXX and {$28000.00} was withdrawn by XXXX XXXX XXXX electronically thru XXXX XXXX XXXX in XXXX, Maine XXXX. 
A series of unauthorized withdrawals were made in amounts of {$1000.00} to XXXX. I, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, am a secretary of XXXX XXXX XXXX XXXX XXXX. 

I was suffering from XXXX in XXXX of XXXX and was not able to monitor the monthly statements. 
In XXXX of XXXX we discovered that {$28000.00} was missing. We have written and called Bank of America and XXXX XXXX XXXX several times with no result. We talked to XXXX at XXXX XXXX XXXX at ( XXXX ) XXXX several times in XXXX and XXXX XXXX, but except for XXXX time he will not talk to us anymore. 

The details of XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX is as follow : Social Security # XXXXDriver License : XXXX Maine , date issued : XXXX XXXX expiration date : XXXX/XXXX/XXXXBirthdate : XXXX/XXXX/XXXXMother 's maiden name : XXXXAddress : XXXX XXXX XXXX, XXXX, XXXX XXXXEmail address : XXXXXXXXXXXX # for XXXX XXXX XXXX : XXXX Charitable Organization has been cheated and was scammed. I do n't know if XXXX XXXX has done the same thing to other accounts. Please check if XXXX XXXX XXXX and XXXX XXXX XXXX of Maine have defrauded other bank accounts in this manner. Please help us to recover our money and punish the guilty. Our address and phone number are as follows : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX home ( XXXX ) XXXX cellWe will provide you with any paper we have. 
Thank you. 
Sincerely. 
XXXX XXXX XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

CERTIFIED COLLECTORS XXXX XXXX XXXX XXXX, TX XXXX USA is reporting on my credit report false data and I disputed multiple times and called multiple times to have them provide proof and I have call XXXX  XXXX  client and they dont have any proof or information so how is it I still take my animal to XXXX  and they still being seen there and I have a XXXX balance on my account if I owe certified collections is just doing anything and everything to get money out of me on top of it I have a phone recording of them telling me I have to pay all my collection account off before they will report one paid off XXXX   XXXX  XXXX  said they sold there account to certified collections We have been use XXXX XXXX for 8 years now and I have spent in one year over 11,000 on vet bills and I keep all my receipt and proof of payment so Show me proof it my bill or remove because I have proof it NOT MY BILL and nor will i settle or pay because it not my bill XXXX  XXXX  XXXX
Product: Mortgage

Nationstar dba as Mr Cooper is servicing the loan gotten from Ally then sold to XXXX and then to Nationstar dba Mr Cooper.

Mr Cooper did not register the loan purchase in with XXXX County NY Clerk, potentially causing of no records of payments. 

When the loan originated, its was agreed that there is a grace period to be paid without penalties. And after the grace period the penalty is {$31.00} Loan is past the grace period on the XXXX of each month. 

However if the loan its not paid by the 1st of each month Nationstar dba Mr Cooper begins to harass, from calls, to emails to letters, that they have not received the payment. Threatening to include additional charges. 

This is has been increasing, as never missed a payment, this harassment, annoyance and intimidation must cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing an update to complaint # XXXX against Experian and complaint # XXXX against XXXX. On XX/XX/2022, I contacted Experian to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. Experian insisted I had to contact XXXX to resolve it. Experian refused to do anything but claim they would start a fraud alert. Experian did not provide any documentation of the fraud alert. Since I should not have any accounts with XXXX, I felt reluctant to give up my personal information. I contacted XXXX to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that XXXX would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from XXXX in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called XXXX on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that XXXX can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from XXXX. Thank you, XXXX XXXX