23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Today I received a letter from the US Department of Treasury about my joint tax return refund being applied to a delinquent debt I owe. It states that the debt is to the US Department of Education Federal Offset Unit. When I called the Treasury Offset Program it states that National Recoveries a collection agency has my debt. I paid off my student loans years ago and know nothing of this debt, nor have I ever been contacted by anyone about the debt. I've tried reaching out to National Recoveries today to fix this and have had no luck. I tried by phone and I have tried contacting via their website which is stating it's unable to send the communication. 

My concern is that I don't know why I have an unknown student loan and why is the first time I am hearing about this? I XXXX college approximately XXXX years ago, and don't understand where this loan is coming from. On the document I received today it states " Before sending a debt to XXXX XXXX, an agency must send notice to you at the address in its records. The notice explains the amount and type of debt you owe, the rights available to you and the agency 's intention to collect the debt by applying eligible federal payments made to you. '' I have not been contacted by National Recoveries about sending this unknown debt to the XXXX XXXX and I have not been notified or communicated the amount and type of debt I owe. I feel this is a very unfair practice by National Recoveries and would like an explanation of what is happening and I would like them to help resolve the confusion.
Product: Money transfer, virtual currency, or money service

Sent {$4000.00} through moneygram - when my husband tried to pick it up they would not give it to him because I left off middle name. - form clearly said " optional '' and the suffix - there was no place that asked for suffix.

They told me i had to cancel and resend. ( when I called today they said they can add middle name after the fact however last night I was told that wasn't possible ) They wont refund the fee. Then I sent again this morning. This time they wouldn't let him pick up money because they said it was missing information even though i got text and email that it was ready for pick up. And when I log in it still says that. So {$8000.00} out of my account plus fees and they said it would take up to 10 days to return money - sans fees. For a service I did NOT get. Have spent 3 hours on the phone over two days in hold XXXX and transfers to different people.
Product: Mortgage

My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX  2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.
Product: Debt collection

Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
Product: Mortgage

The mortgage company was actively taking monthly payments from my account. The mortgage company had an error with their system and stated I was past due on my account. Below is a copy of the payment date and confirmation for the month of XXXX. In which they are reporting was 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX, and XXXX keeps sending me letters informing me that they verified through XXXX XXXX that I have a public record of bankruptcy under XXXX XXXX with the XXXX Bankruptcy XXXX XXXX XXXX Minnesota. Theres currently no bankruptcy records listed on my XXXX XXXX Consumer Report. The Public Record of XXXX XXXX Bankruptcy thats currently listed on my Trans Union, XXXX, and XXXX credit report is not my public record. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Mortgage

We have wired about $ XXXX and another about $ XXXX toward the principal, Mortgage lender hold these wired money for more than 10 days to deposit towards the principal. We lost interest and paid interest on the money that they hold for 10 days. 
Their practice of holding money which is wired to them are not fair and bank is making unnecessary money from consumer like us. We need you to step in and look at their practice. Please help XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my XXXX  Credit Reports.
Product: Credit reporting or other personal consumer reports

I wrote to Experian, XXXX XXXX and XXXX to correct the information that they were reporting and have it removed. Experian somehow disagreed and XXXX and XXXX XXXX failed to respond within the time allowed. I filed a small claim against the three bureaus.
Product: Debt collection

US Bank added a debt in my name while my husband was XXXX  for 15 months with a XXXX XXXX XXXX. I closed the only account I was aware of when he died XX/XX/XXXX that had a XXXX balance. 

Once he died, the bank refused to provide me with details concerning this debt and have not responded to credit reporting agencies with whom Ive filed disputes with. 

The credit reporting agencies have now begun showing this account delinquent even though it is an open dispute which has dropped my credit score by almost XXXX points. I have NO DEBT and a spotless credit report for over 38 years yet US Bank is trying to fraudulently hold me liable for a debt they refuse to provide info on or resolve. 

My husband was XXXX  for over 15 months before finally losing his life. I didnt know about this account until it erroneously showed up on my credit report in XX/XX/XXXX and have been unable to resolve it with the bank because they wont discuss it with me.
Product: Vehicle loan or lease

There is no way to contact XXXX XXXX owner by the name of XXXX XXXX XXXX XXXXXXXX miles when I purchased it it had a faulty transmission was not in the description and I soon suffered after again there is no contact I have paid XXXX down payment {$10000.00} this and it turns out that it is on my credit now I need it removed! No contact! 

-Also he had to pay to get my tags I could not get my tag because coronavirus hit the same week I purchased a vehicle again indicating to meet a governmental plot again : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Owing a final balance of {$600.00} as per my recorded telephone conversation in which the final balance was disclosed I advised XXXX XXXX XXXX loan company that I would be requesting a payment reduction or payment arrangement because due to the loss of my home I would be experiencing financial hardship for a short time and on discussing this, the company proceeded to initiate an illegal repossession of the vehicle and on top of it are claim XXXX more than what was owed as I only had ( XXXX ) payments to make before the vehicle was paid off in full. 

I inspected a copy of my credit reports and find that XXXX XXXX are reporting inaccurate balance owed as I only had ( XXXX XXXX payments to complete the purchase which does not add up to the balance they are reporting. 

I request full debt validation from this company included conversation logs as per literate the companies telephone procedure for incoming and outgoing calls. I find XXXX XXXX XXXX business practice to be dishonorable at the end of their contracts and they have integrity for this reason along with counsel i will do my own investigations into the balance owed as a result to their illegal repossession of my vehicle.
Product: Checking or savings account

XXXX XXXX XXXX provided false /fake paperwork to steal my mother 's ( XXXX XXXX XXXX XXXX money XX/XX/XXXX wrote herself a check for {$13000.00}. On XX/XX/XXXX took {$2000.00} and opened herself a savings account and took {$1000.00} and deposited into her savings from my mother 's direct deposit from social security. As of XX/XX/XXXX. I was/am legal POA of my mother 's medical and financial affairs. The paperwork was notarized by XXXX XXXX of XXXX bank and acct refected that information.
Product: Checking or savings account

XXXX XXXX  token is no longer working. 
We need assistance to access it in order to work in our accounts. 
No one answers the phone. 
The prompts do not match the problem. 
The complaint phone numbers guide you back to the original prompts. 
Does anyone work here anymore? 
Closed branches, how do we get help?
Product: Checking or savings account

A few minutes ago, I filed a complaint against BOA due to their incapability of doing a proper and thorough investigation for a customer who has been a victim of Identity Theft. 
BOA was my first bank and I banked with them for over 10 years. I can not believe how horribly they treated me and continue to treat me. A few moments ago, a BOA rep called me and said she saw my complaint and as a " resolution '' is going to send all the info of my claims through mail correspondence. I thanked her but said that's not a resolution, BOA was going to send mail correspondence ANYWAYS, they always do. BOA didn't try to find any solution or compromise for me. Honestly, I do believe they should seek some kind of penalty for their immature way of conducting business. They're supposed to be handling our money and they mock and joke as if it's a game. When I told the representative that wasn't a solution and they were going to send mail correspondence anyways, she chuckled and said Yeah I guess we were and hung up. It's disheartening. I don't why they treat me like this, I can only imagine the injustice they do to people who don't how to report them. CFPB, please correct their behavior!
Product: Debt collection

This debt was not removed from my credit report after I sent a dispute letter to the credit bureaus. According to Federal Telecommunications Act ( 47 U.S.C. 415 ) section ( a ) this account has passed the 2-year Statute of Limitations to collect such debt. Note that I called them today ( XX/XX/XXXX at XXXX ) and they admitted knowing the debt is beyond the Statute of Limitations. The original default with XXXX XXXX XXXX happened in XXXX ( 4 years ago ) and has been sold a few times. I am asking that this debt stop being reported on all 3 credit bureaus ( XXXX, XXXX, and XXXX ) as it is negatively impacting your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company Credco / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

Hunter Warfield , Inc . 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Product: Vehicle loan or lease

I requested a payment history from the company and through a previous complaint. I did not receive the payment history for payments made through bankruptcy. I provided the company with the payments, amount, dates and check numbers as part of my complaint. I still did not receive proof of payments made. As it stands, I've made payments, the vehicle was repossessed and I have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I ordered an item totaling {$3200.00} from The XXXXXXXX XXXX website with my credit card through XXXX. The item, never arrived to me despite it being scheduled to arrive on XX/XX/2023. After unsuccessful calls with The XXXXXXXX XXXX customer service, I opened a credit card dispute with my card issuer directly on XX/XX/2023. 

On XX/XX/XXXX, the customer service team at The XXXX advised that in order for them to give me the refund, I would have to close the dispute with my card issuer. I obliged and closed the dispute. The seller, sent me proof that the refund was issued but was not coming through to me through XXXX on XX/XX/XXXX. The seller then dropped the case, claiming they sent the refund, and that I was responsible for coordinating with my card issuer and XXXX to get my refund as the funds are now locked between the card issuer and XXXX, and not anymore with the seller. 

XXXX advised that it may take up to 75 days for them to decide on the case, and asked me in the meantime to re-open my dispute with my card issuer. I successfully re-opened the dispute with Chase on XX/XX/2023. However, on XX/XX/XXXX, I was notified by XXXX that the dispute was closed in favor of the seller. My card issuer, also notified me on XX/XX/2023, that the re-dispute I opened on XX/XX/XXXX, was also closed in favor of the seller. 

I am left with not resolution, and no refund to my card. I want to add that Chase, has provided me with unclear directions on how to re-open the dispute, and where the funds are on multiple occasions, which delayed my ability to attempt to find a resolution to this case. They also falsely claimed that I would get my refund, when it never arrived to me, then backtracking and claiming the refund never actually arrived to them. On XX/XX/XXXX, Chase is claiming that they sent me a letter to update me on the re-dispute via a paper letter in the mail, but I have not received that. I believe they are unsure of what they mean and are not clear with the result of this re-dispute. 

I also want to add that several XXXX representatives have done the same, claiming that cases were closed when they were not, or that funds will be issued to me, when they were not. 

The XXXX, also did not provide adequate service, as they kept claiming they issued the refund, but XXXX claims the refund was never submitted. There is a clear lack of communication between the customer service representatives from all three parties, which led to a lot of back and forth with them, and over 25 phone calls and several emails with these parties. As of today, I do not have my refund and I am confused as to where my money is. I simply would like my refund as it has been 2 months, with no resolution to this issue.
Product: Checking or savings account

I have unauthorized transactions on my debit card through Capital One, which I believe took place because of skimmers at their ATM. I reached out to Capital One on Friday XX/XX/year> regarding the following fraudulent transactions : {$300.00}, {$16.00}, {$55.00} all made my various merchants. All unauthorized. I did not have possession of my debit card at the time and I let Capital One know that. I also disputed a charge for XXXX XXXX for {$55.00} and {$140.00} XXXX XXXX and was denied for just the {$55.00} transaction. I dont understand when XXXX is responsible for both. Capital One denied all of my claims. I will be filing a police report on the charges. Capital Ones zero tolerance and protection of fraud is a fraudulent policy in itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
XXXX, XXXX and Equifax are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to LOANCARE SERVICING about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/scrub>XX/XX/XXXX The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.