23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After the massive cyber attack that released millions of citizens ' personal data to an unknown source due to the Equifax 's neglect and mismanagement of operations for their own personal benefit, I am appalled to see that the Company is stonewalling facing their responsibilities to mitigate damage to the people they have endangered, and that our elected officials are allowing this. 

Equifax announced that they would allow people they placed at risk to place freezes on their account at no charge. BUT, after trying to place the freeze on two different days, I repeatedly received a message : System Currently Unavailable - Error 500. 

This after I entered my social security number as required to place the freeze. The message goes on to list the names of other credit bureaus where freezes can be placed, ( but at a cost to the consumer ). Then it states : " Thank you for giving Equifax the opportunity to assist you, '' when, obviously, they provided no assistance at all in this critical matter. Are they so dumb or intentionally rude? 

Equifax should immediately be ordered to provide freezes for all consumers for all credit agencies at no charge, for as long as required to resolve this issue, using a protected and monitored methodology.. Americans deserve protection from thieves ; not just babble.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX-dispute a dispute occurred which my bank investigated and I won. 

XXXX XXXX claims the debt is real
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke to a representative of XXXX XXXX XXXXXXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account is still being reported from the original creditor creating a duplicate entry/account. It has been over XXXX  days and I have not recieved and sort of credit validation documents. This account is unverifiable and is reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : XXXX XXXX XXXX Acct # XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Company charging interest rate of 705.8179 % for a loan of XXXX dollars. 
3. INTEREST : Interest accrues on the unpaid principal balance of your loan beginning on the Agreement Date stated above and continuing until your loan is repaid in full. You will pay interest at a yearly rate of 705.8179 %. We calculate interest on a daily basis based on actual days elapsed and a year of soo/soo days. Interest at tnis fate will continue to accrue alter any delault, at our discretion
Product: Debt collection

Was contacted by portfolio recovery on a debt that XXXX XXXX sold them but has already been paid! Basically XXXX XXXX just scammed them! Im sure it was a mistake but I just want this corrected before Portfolia recovery tries to put this on my credit! A written correction!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 about XXXX PST, I added an external credit union account to transfer {$10000.00} was denied on the Citi website. Called the toll free number and was put on hold for ~40 minutes to only be told that the Fraud department is closed and to call back the next day. 

Next day XX/XX/2023 around XXXX PST only told to call the Fraud department back in the 3-4 hours. The representative told me I would get a call back instead. Got a call back from the person that said everything was resolved but it wasn't as I tried again to transfer the money and was denied. I called again and was to wait 3-4 hours before the online account would reflect. I asked if the representative if I go to a bank would they be able to give me all my money in cash. He said yes. Without ever knowing if I would ever be able to get my money out of the bank, I made an attempt to liquidate the account in cash in person at XXXX. I was told I could not be given the complete balance and that {$20000.00} was the maximum. I had to wait for an authorization from some remote department. I was given the amount in cash. I went to a second location ( XXXX XXXX, XXXX ) at XXXX XXXX to continue to attempt to get all my funds and was only given {$10000.00} after talking with the fraud department. Then I went to a third location to attempt to withdraw the maximum in cash and was denied after getting verified. I went back home continue to try again to transfer {$10000.00} online and again I was denied with the same message. Again I made another attempt to reach a person and find out what was going on at XXXX. Again referred me to the XXXX department that was closed and to try the next day. 

On XX/XX/XXXX, I tried in the morning at XXXX PST to call and was told everything was again resolved and to wait some time for that to reflect. 
On XX/XX/XXXX my online account was deactivated and I was again referred to the Fraud department. They told me to wait for a letter but I already wanted to liquidate and close my account. I only wait for another ACH transfer I initiated to withdraw from that account to clear before I closed. I had to call in to get make sure I get my money and to be able to close out the account due to their inability to be clear on the rules for fraud and fraud detection. 

No where in any of this was I communicated that I should not withdraw large amounts or that my account would be restricted if I continued this. No one gave me any support to say this initial matter would be resolved. Had I know transferring money out of an account with Citibank would be an issue I would never had opened one.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX, XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I received an alert on my credit file stating Security Credit Services were added to my credit report as an collection. I have made several attempts via phone and left several voicemails, I have sent emails and letters to this company since the beginning of XXXX and I haven't received a response going on two months now. This debt doesn't belong to me nor has the company reached out to me to notify me or provided validation of the debt or the amount they have placed on my credit file.
Product: Credit card

I reported my card missing/stolen in XXXX of this year. They allowed other charges to placed on the credit card even though already reported. I should have a credit of {$5.00}. However, they are still charging late payments and finance charges on items that should not be on my card. The last payment I made, I noticed after paying a charge of {$5.00} after paying the bill. I immediately contacted Citi 's Fraud Department and reported the non-purchase charges. I even called back after contacting the largest of these charges which was a subscription charge I did not ask for. They immediately canceled these charges and gave me a cancellation number. I called back and spoke with a XXXX and he stated that he notated the account of these two credits. XXXX also stated don't worry about the late fees and charges that they will be removed from my account. I contacted Citi today XX/XX/2023 at the Citi Fraud phone number and it states closed even though its the middle of their operating hours. I called customer service and they advised me to pay the bill and I would be credited for the {$100.00} plus charges. I don't really trust that they will do this even if I paid what I don't owe. At this point, I should have a {$5.00} credit and their trying to charge me {$110.00} for charges that I didn't make. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. 

I discovered unauthorized and fraudulent transactions on my [ credit card/bank statement/account ], and I promptly contacted your institution to report the fraudulent activities. Since then, I have made several attempts to rectify this situation, including reaching out to your customer service department, submitting detailed reports, and following the prescribed procedures for disputing unauthorized charges. 

Regrettably, my experiences thus far have been marked by a series of setbacks and a lack of progress in removing the fraudulent items. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. 

There has been a lack of clear and consistent communication throughout this process. Timely updates on the status of the investigation and the actions being taken would have provided some reassurance during this stressful situation. 

To my dismay, the fraudulent items persist on my account, leading me to question the effectiveness of the measures taken to address the issue. 

I understand that addressing fraud cases is a complex matter, but as a concerned customer, I expect a higher level of diligence and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

I I trusted XXXX XXXX  to fix my credit and my credit was never repaired
Product: Debt collection

Hello my name is XXXX, I have been working with this company for 7 years, I am very happy with your services. 

My account is : CAPITAL ONE BANK USA NA, Account number : XXXX Date Opened : XXXX XXXX, XXXX ( 6 yrs, 7 mos ), Credit limit : {$25000.00}, Account status : Open, Type Business : Credit Card. I've never been late ; I have a good payment history that endorses my claims.

I was on auto pay, but the Capital one system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount I had to keep on changing as the minimum payment changed. Then Finally when I didnt get internet access, the Capital One account was locked, I tried to get Capital One to send website log, and Capital One has refused to do so.

I have been through a lot or this late payment on my credit reports. This matter has a simple solution. I am requesting that Capital one deletes/corrects the XX/XX/XXXX late payment from my account and a notice sent to the credit bureaus. 

I believe that we can continue to work together and continue our fruitful relationships. I would be happy and grateful if you could give me a positive response on this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off and I no longer owe money to this creditor but its still showing a balance due.
Product: Mortgage

My mortgage with Seneca Mortgage was sold to XXXX, Seneca continued to withdraw money from my checking account although I had no account open with them. I need Seneca to send my money back since there is no debt to pally the money.
Product: Debt collection

This is NOT a duplicate of XXXX, rather I'm trying to send the same complaint to XXXX XXXX XXXX, can not find them, and am attempting to send it to Resurgent Capital Services, who I *believe* is the parent company of XXXX XXXX XXXX. 

The XXXX XXXX XXXX  XXXX XXXX  XXXX, representing LVNV Funding, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX  XXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ XXXX XXXX XXXX XXXX ] to [ XXXX XXXX XXXX XXXX ]. On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to LVNV Funding. I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call apon XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX  offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SANTANDER XXXX  add a hard inquiry on my credit report per XXXX  . On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Product: Checking or savings account

To whoever may be able to help : My husband, XXXX XXXX, and I ( XXXX XXXX ), found a high interest savings account online in XX/XX/XXXX with Capital One. We called and spoke to a representative who told us the 360 Money Market Savings account is what we wanted. He said the interest would vary based on the market but was the highest available. It's an online account. 
I sign in and look at it from time to time. The sign in screen gives me the balance and recent interest and transactions, not the interest rate. I didn't think I had a reason to look at the statements. I also occasionally XXXX high interest savings accounts. Capital One is usually one that comes up and their interest is pretty close to the highest so I have never switched it. 

In XX/XX/XXXX, I computing the interest myself and then realized we were not getting anywhere near the 4.35 % that shows on their website as the high interest savings. I called and found it hard to believe what I was being told which was : We don't have the high interest savings account that we had opened in XXXX. 
For some ( unexplainable ) reason Capital One invented a new high interest savings account Called Capital One 360 Performance Savings The saving account I opened is the Capital One 360 Money Market account and no longer shows up on their website. They left me, along with who knows how many others, in the Capital One 360 MM Savings account. They discontinued paying the high interest on that account and started paying the higher interest on their new product. We werent notified of the change. The names are so similar, I just assumed the only high interest savings account shown on their website, was the one I had. 
We have had between {$40000.00} and {$70000.00} in this account. It is our emergency fund. 
In XXXX we lost {$2000.00} in interest. Im unable to compute the loss from XXXX. 

So far, COF representatives have offered no solution other than to open the 360 Performance Savings and transfer my money to it. They seem to think I should verify regularly what I was told when I opened the High Interest Savings Account to make sure they did not make this change. They have told me that I could have looked up their rates online at any time and that my statements have the interest rate on them. I have told them it never occurred to me that a bank their size would put something like that over on their customers. I no longer want to bank with them, which is an easy fix. I ALSO WANT ALL THE PEOPLE STILL IN WHAT THEY THINK IS THE HIGH INTEREST SAVINGS TO KNOW IT IS NOT. 
Now tell me, why would Capital One create a new high interest saving account with all the same rules as the one I opened, name it very similarly, and not show the old account as an option on their website unless they wanted to deceive us and save themselves some money? 
Its disgusting banks are allowed to do this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX