23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FFCC-CLVLAND XXXX FFCC-CLVLAND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious FFCC-CLVLAND 17845839 FFCC-CLVLAND 17268268 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Product: Credit card

This is complain about CAPITAL ONE CREDIT CARD I purhase product from XXXX I paid to XXXX XXXX  XX/XX/XXXX, Payment Transaction ID : XXXX - {$6500.00} USD I used XXXX to pay for this transaction Then XXXX used Capital one to process the payment see attach XXXX XX/XX/XXXX XXXX XXXX ... XXXX {$6500.00} screenshot XXXX Then I did not heard from the seller for long time and I decided to open dispute Case details Case ID : XXXX XXXX XXXX XXXX  Disputed amount : {$6500.00} USD Shipping address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Date reported XXXX XX/XX/year> Invoice ID : XXXX Then problem was resolve and I close dispute Your responses XX/XX/year>, XXXX PDT You notified us that youll no longer be disputing the case with your financial institution.l Meanwhile Capital credit card was notify as well When I notify the that I want to dispute charges they transfer money back to my account.screen shot XXXX. 
Then I told them I want to cancel dispute they perform following transaction see screen shot XXXX and send me a letter see XXXX In this letter they saying that they talk this amount of {$6500.00} out from my account, but it does not say anywhere where these money went. 

I ask to provide me documentation of my money location or reversal of charge back receipt. 
They refuse to provide any of these documents or tell me location of my money. 

They claiming that money went to XXXX, but XXXX saying that they do not have money too. 

Latest development was that XXXX told me that money were transfer to the seller, but how it's possible if in the same time they claiming they do not have money in their possation. 
XXXX also refusing to provide any documentation to proves their claims. 

Bottom line I do not know who actually stole my money. It's been over 90 days already. 
Last time I talk to XXXX manager and she told me that it's going to be another 75 days. 

I do not think I am going to see my money even after 75 days. I think these money are stolen Dispute number for capital is XXXX Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

No authorized activity in my credit
Product: Student loan

I am enrolled in e-statements and auto payment for my loans. The website doesn't clearly state the amount that is due each period. It states amount due as " {$0.00} '' This makes it difficult to pay down the balance faster in any sort of planned method. Why isn't my monthly amount due plainly available on the site?

There is also no straightforward way to access a monthly statement on the website. If one types in " statement '' into the Help Center search, it returns nothing. If one puts in " statements '' in the search, it gives an option for the federal tax statement or a loan verification letter. Because I have the e-statement, there is a link mailed to me to access a statement. It is not a link to the main site, but rather sits off elsewhere on a server. If I want to access a statement from 3 months ago, I have no way to view it on the website. Why not make an e-statement tab on the site and I can view my statements whenever I need to? The company doesn't seem willing to make these changes.
Product: Checking or savings account

Wells Fargo bounced a {$300.00} paycheck. The money was taken from the sending account and I was charged returned fees as well as {$300.00}, the amount of the check. I never saw the check and was charged {$300.00} plus fees, on top of the original {$300.00} disappearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending XXXX XXXX XXXX, XXXX, and Equifax letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with Equifax, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " Balance Updated '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with XXXX, they changed the " Balance Updated '' on XX/XX/XXXX
Product: Checking or savings account

I opened my checking account account and a few days later received my direct deposit and chose at that time to open a savings account through their app. Everything went through fine and the savings account was opened. Ok XX/XX/year> both my checking and savings account were security blocked by the fraud department without any transactions except my adding {$50.00} from my checking to savings. I called and spoke to support and was referred to go into a branch and verify my identity. I did so that day and also pulled money out of my checking account. Around XXXX my checking account was unblocked. I havent tried to move any funds since. However, on XX/XX/year> I went to transfer money into my savings and set up an automatic transfer and found my savings account was still blocked. I called and spoke to a representative and again they told me the block was to verify my identity. I also went through the chat support in the app so I could document all communication. They told me the department that was responsible was the fraud department and gave me their number but also said there was no reason listed for the block. However I must go to a branch and verify my identity again. The same block had been lifted from my checking but not my savings and that there was nothing anyone could do except in the branch. I explained I had already completed this task less than a week ago for this issue and it just hadnt been resolved. I was told there was nothing that could be done except go into the branch. I called the phone number given and asked if there was anything the fraud department could do and again was told the branch had to call them and verify my identity to remove the block. That I couldnt do anything myself. This is starting to feel like its a personal inconvenience towards me due to my orientation and stature.
Product: Credit card

I applied for a credit card offer stating that I would receive XXXX bonus miles if I spent {$4000.00} in the XXXX XXXX months. I wanted to confirm that I was indeed eligible to receive the miles so before agreeing to the card, I called and had the confirm over the phone that I was indeed eligible. They stated yes, and I opened the account. I then proceeded to spend {$75.00} in fees to charge {$3600.00} to the account so that I would meet the {$4000.00}. I called to confirm it was {$4000.00} and they stated that I would not receive the offer because I had a previous account in the last XXXX months. As I stated before, I had called to confirm this information before opening the account and they lied to me and said that I was eligible. I am now out {$75.00} dollars, have an open credit card on my credit history and would not have opened this account if I could not receive the offer.
Product: Credit reporting or other personal consumer reports

I checked my credit reports last week. XXXX and XXXX are reporting accurate information. Equifax is not reporting any of my information, but instead someone else 's. I have contacted Equifax several times about it and they keep telling me they see my information. However, I keep telling them I am looking at someone else SSN and even gave it to them. 

Now this other person 's credit report is being pulled whenever I apply for something and I have been denied housing because of this. I am at the brink of homelessness, due to the negligence. I have submitted documents online to prove that this was not me, however, they have done nothing to help.
Product: Credit reporting or other personal consumer reports

I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. EXPERIAN REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. EXPERIAN IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY EXPERIAN REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.
Product: Credit reporting

I have an account with XXXX I opened an account to them back in XXXX for a furniture cost {$4600.00} and agreed to pay {$140.00} monthly payments and have financial struggle back in XXXX for at least 6 months and I tried to catch up with all my bills and they agreed to accept my payment arrangement to pay them for {$140.00} XXXX last payment was made is {$140.00} for the month XXXX XXXX and my remaining balance is {$1100.00} and COMPANY REFUSED TO UPDATE MY CREDIT REPORT REFUSED TO UPDATE MY BALANCE ON MY CREDIT REPORT IT SHOWING THAT I OWED {$2000.00} ISNTEAD OF {$1100.00} AND I AM PAYING THEM MOTNHLY COMAPNY SAID HTEY WILL ONLY UPDATE MY CREDIT REPORT IF I PAID IT IN FULL REGARLESS OF MY BALANCE RIGHT NOW.. I dont thind this is fair for me that I am trying to pay my bill to them same as my other outstanding bill I hope I can get this fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF THE 2017 EQUIFAX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.
Product: Checking or savings account

I used XXXX to process my federal taxes for the year XXXX. XXXX recommended I send my refund, {$12.00}, XXXX to Credit Karma. Credit Karma sent me a Credit Karma Visa debit card. I used my Credit Karma debit card to withdraw from my IRS refund 8 times. On the 9th time at the ATM my transaction was declined. Credit Karma had put a lock on my account.This happened on XX/XX/XXXX. 
I have complied with Credit Karma in sending them info to unlock my Credit Karma checking account. Todays date is XX/XX/XXXX. 

My Credit Karma account, {$8700.00}, is still locked and Credit Karma is ignoring my attempts to email them for a resolution. Their email address is " XXXX '. 

XXXX XXXX XXXX XXXX XXXX, California XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove credit freeze on Equifax multiple times in XXXX, XXXX, their website shows an error when creating an account or trying to access credit freeze. XXXX and XXXX had zero problems. I called Equifax numerous times, had to be placed in tedious automated systems, and they requested more information for verification, which I have sent through fax, but never gotten a response. My credit remains frozen and I have ran into multiple declines when applying for a new apartment or mobile phone upgrade.
Product: Vehicle loan or lease

i purchased XXXX XXXX XXXX back in XXXX of XXXX for my wife to be, or whom i thought it was just o find out she was only using me for my money. the wedding didnt happen, we broke off our engagement, went through tough tough times, struggling with finance for a long period of time, i had to give up the car because i can no longer make the payment.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XXXX i did wire transfer to my Binance.US account, i got notification of the successful deposit the next day, for me to login they disabled my account with the money there Its 3 weeks plus Ive contacted the customer support but they all dead no one is even replying my ticket on what to do very frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous dispute/complaint, PRA claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via certified mil and ca produce a CMRRR. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have 3 XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were 2 bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I returned my XXXX XXXX XXXX to the XXXX XXXX in XXXX, FL at the conclusion of a 36-month lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected.

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from XXXX or XXXX XXXX. No invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " CCB Credit Services , Inc. '' for collections. Upon receiving this letter, I immediately called XXXX XXXX, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. OnXX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In early XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX Bank. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that XXXX XXXX severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX to resolve this matter in their time constraints, meanwhile XXXX XXXX already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.
Product: Student loan

I have requested payment history twice dating back to late XXXX. Both times I was told it takes 30 days ( which is ridiculous ) but I have still not received any details. I have to provide this information to my employer to get reimbursed and I am not suffering monetary damages because MOHELA will not provide this information to me. 

I just want the payment history as requested. It's unbelievable how difficult it is to get the most basic information from Mohela. I have to file a complaint literally every time I make a request for them to take it seriously.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX on my trans union credit repoet theirs XXXX negitive items that are frad the XXXX account and others teo charge off accounts endi g XXXX a d XXXX the balane is around XXXX and other one is around XXXX, these XXXX adverse accounts are all fraud my complant is that transunion supposed to remove or block these negitive ad erse charge off account from my credit report tbeirs a federal trade commision identy report on file normally the items ate remove or block from the filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a montage with XXXX XXXX in XXXX of XXXX. Never been late. In XXXX of XXXX I took advantage of the Covid Relief program. From XXXX of XXXX to XXXX of XXXX I was in the program. I was contacted by Midland Mortgage around XXXX or XXXX of XXXX, letting me know that my loan was sold to them. We made arrangements that I will come off of the Covid Relief program on XX/XX/XXXX. I made a full montage payment of XX/XX/XXXX, another full payment in XXXX, XXXX and XXXX. I sold my home in XXXX and on XX/XX/XXXX the title changed to the new owner. My loan was paid in full on the date and I was issued a check for what was left over. At that point my credit report was fine as it pertained to my mortgage. They didnt mark me as late or on time. XX/XX/XXXX I checked my credit report and Midland had reversed my covid relief status and thus making my forbearance period I had the previous year all delinquent. This is one of the promises of the program for homeowners not to get adverse credit reporting due to the pandemic. Not only have I never been 30 days late on my montage, this bad credit reporting all happened after I paid my mortgage off. On top of that, Midland is reporting 3 different things on the 3 major credit bureaus. All showing I have a balance with them although I dont have a balance. Midland wrote me a check for over $ XXXX on XX/XX/XXXX for what was owed back to me.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$9700.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.