23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I had to close my accounts with Capital One Bank. They have inadequate security protocols and someone inside the company kept changing my personal details and had new cards issued. See complaint : XXXX. I tried in vain to resolve the situation with the company, I ask that they credit the account that I had to close due to their negligence in security protocols. They still have my account as restricted with a balance owing of XXXX dollars. They are charging me interest on this balance and service fees.
Product: Debt collection

I attended XXXX XXXX in XXXX, NY from XX/XX/XXXX-XX/XX/XXXX. During that time XXXX XXXX took out fraudulent loans on my behalf without my consent. These Loans were with XXXX  of XXXX XXXX, CA and the proceeds were paid directly to XXXX XXXX without my knowledge. One was opened on XX/XX/XXXX and shows a balance of {$3600.00} owed on my XXXX   report. I disputed this loan as fraudulent in XX/XX/XXXX. The second loan they are listing on my XXXX report was opened on XX/XX/XXXX and shows a balanced owed of {$6800.00} dollars. This loan was disputed as fraud in XX/XX/XXXX. 

I have checked my credit report and I see that this company is reporting occasional on-time payments on both accounts. I believe that this is fraudulent act and they are attempting to circumvent my rights. They are trying to not let the accounts age so that they will not reach 7 years. They will be able to keep reporting these bogus accounts indefinitely. 

I also believe that they are trying to circumvent my rights under statutes of limitations afforded me under laws in my state. Beyond original contact with this company in XX/XX/XXXX after refusing to pay and denying ownership of these loans they have not contacted me. 

I have never made a payment to either of these accounts. There has been more than seven years of inactivity on these accounts and there hasn't been any contact between me and this company in more than seven years. They should have already been removed from my credit report. 

On my credit report they list themselves as : XXXX - XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

On XXXX XXXX 2013 XXXX XXXX signed a Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) The mortgage servicer has contacted the borrower pursuant to California Civil Code 2923.55 ( b ) ( 2 ) to " assess the borrowers financial situation and explore options for the borrower to avoid foreclosure '' Thirty days, or more, have passed since the initial contact was made. THIS IS A DELIBERATE LIE ON BEHALF OF XXXX XXXX XXXX XXXX  committed Perjury by false affidavit. Criminal law 2641 and should be charged accordingly.
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My HOBR were violated and then ignored. This act was deliberate and contiguous to the methodical deceptive and unjust behavior. I never received a NOD nor was one posted on my property. I never even knew that it was filed until I learned about the auction date that was set.
Product: Credit card or prepaid card

The card open up without my consent. This was an authorized card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX has alot the account number is XXXX  15 USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.
Product: Debt collection

I've sent multiple dispute letters and they've been saying that all my information is accurate which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt they bought from XXXX XXXX. XXXX XXXX XXXX is not licensed to operate in Arkansas. This company does not have a license to collect on debt in Arkansas. I wrote a letter to XXXX XXXX XXXX asking them to remove this account from my credit report and they sent me the attached letter. Please Help get this account removed from all three credit bureaus. 

Thank you
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX account about an account that appears on my credit report thats not mine and has me as an authorized user. I never applied for this account and instructed them to take me out of their system and remove it from my credit report. 
XXXX responded back stating that the account is verified and is accurate and it belongs to me individually and will not remove it. I requested a debt validation and a copy of the application submitted to obtain the credit card but never received anything.
Product: Debt collection

National Recoveries Inc. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX US Dept of Education National Pmnt Center XXXX XXXX XXXX XXXX GA XXXX XXXX 2017 Without notice, written, verbal, or otherwise my pay from my job way immediately garnished for $ XXXX each payday every two weeks ( minimum of {$310.00} per month ). I have sent two notarized affidavits to both entities citing FDCPA violations, CA state civil code and consumer protection laws violations, requests for original contract verification for proof of claim/debt. Requests/affidavits were sent certified return receipt mail with proof of delivery etc. Absolutely no response received back for two months now. They have violated FDCPA and CA civil code/statutes in multiple ways and have not proven contract/proof of claim. Very financially hard to be experiencing this unlawful experience. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

In or somewhere on XX/XX/XXXX we began being hacked in our private checking account I had opened in XX/XX/XXXX. The hacking started and all they did was keep replacing my debit card over and over costing me a couple of weeks at a time money Everytime as my automatic deductions they were to pay didn't get paid. This went on month after month week after week day after day for months. We had no XXXX money. We had no XXXX money. One card got hacked on the way to us supposedly in the mail, before I ever got it saw it activated it Living on a fixed XXXX income of around {$1500.00} for my wife and I there is not one dime to spare. Our rent alone uses up half of our income and yes we are 2 months behind on that also. We had great credit and living very meagerly and praying to XXXX that my wife 's SSI XXXX would come through, which it still hasn't and doubtful but if it ever will we had exhausted all avenues of credit from many payday loans to our trucks title loans we are knocking on the door of bankruptcy because of this banks security problem. It was a fee free online banking account taking my XXXX Check automatically depositing it and distributing everything by electronic deductions and I wrote only the rent check monthly. 
At this time almost 7-8 month after they eventually quit paying my debtors we get harassing calls daily. We have to use a XXXX XXXX pre pay card to receive my check and try to see if we will have heat, air conditioning, internet, and keep our cell phones on. You see with our new track record and Credit score we can not even get another checking account. 
We are absolutely screwed because of Old National Bancorp in XXXX Indiana. oldNatio albank.com. Old National Bank in XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX They shut us down in the XXXX of winter after trying to change our account number. Did no good so like I said I had to go down there and get my check from them a couple of days late which costs us late charges. Here is the original account number.XXXX then a couple months of this one XXXX of course the routing number stayed the same. XXXX We pray to XXXX that something positive happens like now or tomorrow but we be also pray financial be releif from the institution that we intrusted our meager funds and trusted them to distribute as they should have been by law. I have so much paperwork I wouldn't know where to start to get them copied and sent as I'm not computer savvy and they knew and used that against us to just brush us aside to get rid of us instead of financially stand up to o our online predator. 
We seek no less than {$100000.00} for pain and suffering mentally and physically as my pain and anxiety are off the chart and my wife is the same way. We live in fear from the phone, the mail and especially the door knocks. I have no panic attacks weekly but can not go to the hospital because of the debt I owe them from XXXX to remove and reconstruct my stomach as it had a giant, painful ulcer bleeding out and almost killing me. 
Ask me what you need from my side as I haven't thrown anything away. 
Please Please help Us XXXX & XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 6,0 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XX/XX/2020, XXXX XXXX on behalf of XXXX XXXX, XX/XX/2020, and XXXX XXXX on behalf of XXXX, XX/XX/2020. I am a victim of identity theft and have a recent police report on file with Chex Systems.
Product: Vehicle loan or lease

On XX/XX/XXXX, I refinanced my car through Capital One. During the refinance, I was taking my ex-husband 's name off of the title of my car. I submitted the limited power of attorney for myself and my ex-husband to show that he would no longer be on the title. 

I have contacted Capital One Auto Finance on numerous occasions to get an update on the status of my title because I still have not received a valid registration for my car and when I received my Personal Property Bill for my area on XX/XX/XXXX, it still has my ex-husband 's name on it. 

I have contacted Capital One at least 2 times a month since refinancing in XX/XX/XXXX. Every time I contact them, they tell me that the " back office team '' is working on it and they are backed up, but it should only take 2-3 weeks for this to be completed. It is now XX/XX/XXXX, and I just got off the phone with them again and they still have no update. 

Every time I call, they tell me that the back office team will be calling me with an update, but I have not received the call from them at all. 

This issue is a domestic XXXX issue as my ex-husband can't know where I live or have any access to any of my assets. His name on my car causes a lot of issues because he could do something to my car in my area since it is his car, as well.
Product: Mortgage

When closing on our house we were told we could " buy back '' interest rate points to get the interest rate back down to our original quotes. The rate was supposed to be 2.75 % but we ended up at 2.875 %. The cost to purchase those points back was around {$1200.00} I believe and the breakeven ended up being about every 6 years. I texted XXXX XXXX at XXXX  XXXX XXXX XX/XX/XXXX about having that ability to buy back those points and expressed that we wanted to do that. On XX/XX/XXXX I expressed it again that we would like to buy those mortgage points back and he said he was going to hold off on making any changes until an amendment was finalized for the sellers paying more at closing. This went on a few times with various calls/texts/emails. Coming up to closing I asked again, when we could buy them back but he said it was now too late and we could no longer do that. XXXX let this fall through the cracks even after multiple attempts to purchase these points back. I believe this will cost us $ XXXX over the length of the loan not including the loss of interest we could have acquired with that money. He later expressed it wasn't a good idea to buy them back anyway unless we planned on staying in the house for over 6 or 8 years, which we obviously do plan on doing. 

The Loan Officer is XXXX XXXX. Property Address is XXXX XXXX XXXX, XXXX MN XXXX. Closed XX/XX/XXXX. XXXX XXXX {$350000.00} and loan amount of {$330000.00}. 

Loan Officer Megastar Financial XXXX ( XXXX ) XXXX XXXX XXXX  : # XXXX
Product: Debt or credit management

Truth and Services that was not properly handled with no worries from them to handle now I will account for them. I will give the time needed for them to research thier own way and each of us will provide you separate results. I will tell them to do only extra step i learned from invented items that the my lawyer i paid to research if my identity, original documents to provide proof of any possible copy rite is mine to mail certified mail, dated and told not to open the original for theft. So for privacy and original statements of each party to seal and protect it from loss or changing any thing. The copies delivered to the person to receive with a written names of who you share it with. But remember if anyone else is not on the privacy terms will result as a breach with the privacy terms I read before I stated. I will act on any type of knowledge or unintentionally others who know about each responsible for breach. I will look for any reason with all others that will be in a court room. And even a decision or change even another copy was performed. I will act as my results will be granted even if my claim was not correct. Please provide To pro me a certified letter and mail with the person to sign the receipt. Also add the name and signature that will be on the certified mailed for me as proof that the person only can sign as received to. If any type of the letter is damaged. Then It's up to you to still comply with the terms we read at the last thing is signature from the privacy terms were each acceptable with out any different terms read the same acceptance
Product: Consumer Loan

Hi my names is XXXX XXXX and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have XXXX but i was told that my payments would be XXXX and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car also they applied Gap insurance on my car with my knowledge
Product: Checking or savings account

Regarding the issue associated with claim # XXXX only, I was on a call with representatives about inconsistencies with processing this claim on XX/XX/2022. There are clear indications that noted associated with this claim include fabrications and inaccurate facts. 

I had a subsequent conversation on the matter with another representative ; XXXX. The representatives hang up on both calls. XXXX the second representative- confirmed this inconsistency and was in the process of resolving my concerns when he hang up or the line got disconnected once again. 

The case has since been escalated to the corporate office for a resolution. During a conversation with the representative, I expressed concerns about high level orchestrated meddling with various accounts I have had, etc. thus the rapt attention being paid to this issue. A document has been attached to highlight one of such examples and is being shared for posterity as has been the case with previous unusual activities involving individuals in the finance sector. 

The organization in question did not offer all services required for charges made as clearly explained in a detailed manner on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00}
Product: Money transfer, virtual currency, or money service

I am Victim from scam/fraud. i have sent money through wired transferred 2 times different dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. {$6200.00} from my checking Accounts. 
XXXX wired transfered from my checking Account. 
as soon i find i am victim On XXXX XX/XX/year>. Police, and called Truist bank. 
they took details on telephone. 
Bank has started investigate Dated on XXXX XX/XX/year>. 
and end On XXXX XX/XX/year>XXXX  Based on our investigation, Truist denies your claim for reimbursement bank will be reimbursed can not guarantee whether its attempts to recover these funds from the depository bank will be successful. If recovery is successful, we will reimburse your Truist account in the amount of funds received from the depository bank, less applicable fees and will notify you of the credit to your account via US Mail.
Product: Debt collection

XX/XX/2021 a lady with the last name of XXXX repeated calls harrassment about something that is not true i do not owe them and they continue to call and harrass me daily she called from a XXXX and left a XXXX phone stop the calls i dont owe this scam company any money its turned into trying to plan a robberry at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;
Product: Credit card or prepaid card

I contacted Synchrony Bank numerous times and they refuse to delete the charge off from my account. They agreed to remove the charge off over the phone from my credit report. I paid this account in full and I want the charge off deleted from my credit report. I contacted them several times through email and phone. Synchrony Bank refused to work with me and I sent them several good will deletion letters. I could not pay the bill, because I was in the hospital. Out of common courtesy, I paid my bill in full and they still refuse to delete the charge off. Even though, they agreed to do so over the phone. They refuse to send me a letter stating that they will delete the charge off. They are also several mistakes on my credit report such as when the account turned into a charge off, because I was making payments to them until I became sick. I loved being a Synchrony Bank customer, but I will greatly appreciate it if they can remove this charge off. I paid my bill in full and I was XXXX XXXX  at the time. The account ends in XXXX.