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

On XX/XX/2023 I initiated a payment in the amount of {$1500.00} to bring my account to a XXXX balance. This payment showed posted to my account on XX/XX/2023 on the XXXX app. According to the XXXX app, my available credit should show up in 1-2 business days. Five days later my available credit has not changed. I called customer service and spoke to XXXX. XXXX was not able to provide me any information and continued to read a script. I asked to speak to a supervisor to get more information, XXXX continued to tell me that the supervisor will only give me the same information he has. After XXXX hour on hold waiting for a supervisor I decided to file a complaint thru their complaint system because the phone call was going nowhere. XXXX completed the complaint form for me and the call ended after an hour and still no information as to why it would take 10 days to receive my credit. This is 10 days that my money is in limbo and unavailable. XXXX told me they use many factors to determine when the credit will be applied, but could not tell me what any of those factors are. I have had this account for 18 months and have made every single payment on time, which was acknowledged by XXXX. 

If you decide to use this company just know that the customer service representatives can't give you any information beyond what you're able to see yourself in the app or on the website. This is a complete lack of customer service. It's also very condescending to repeat over and over that even if you speak to a supervisor they will only tell you the same thing that the customer service representative tells you.
Product: Mortgage

In XX/XX/XXXX my brother in law began the process of building his house directly to the south of our house. In the land deed of ours, XXXX feet of land was deeded and mortgaged to us was actually my brother in-laws land. This happened back in XX/XX/XXXX. My brother in law called the abstract company and lawyers to get everything corrected so that he could get his home loan approved. Everything was settled. We accepted a different part of the land so that we got XXXX feet back to our property. We signed everything. Now my brother in law can not close on his building loan because my mortgage company, XXXX, will not get back with my brother in laws bank or lawyers to take off the XXXX feet of mortgage on our land so that they can add to his. They have tried for 6 months to contact XXXX. In XX/XX/XXXX, I went to pay our mortgage. XXXX now will not let my husband and I pay our mortgage or escrow because my brother in law is now in litigation with them. We are not suing XXXX. We have nothing to do with the litigation. We signed over the XXXX feet last year. We are now currently doing a cashier 's check and sending certified mail to XXXX because we want to pay our mortgage. We have tried several times to contact them. We have even talked to them over the phone with our banker. They said they would call back in a week. That has been a month ago and we have heard nothing. Please help us in this matter. We do not want our credit or our home insurance to suffer because of this. This is our last option to get help. Our banker said that we should contact you to get help. Thank you. XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information including my SSN & DOB were found to be in XXXX Data Breaches & located on the XXXX XXXX  resulting in numerous fraudulent inquiries & a Fraudulent Auto Account.
Product: Credit card or prepaid card

I applied for this credit card and was approved. I was told it would take 7-10 business days to arrive in the mail. After that time had passed, I never received the card in the mail. I logged into the site to ser if I could get a statis on when I would receive the card. Upon logging in, there was a balance. It showed that there was a transaction made the first week of XXXX at XXXX XXXX XXXX. I never received the card, therefore I did not make this purchase. I spoke to a manager at this company and they stated I am responsible for the transaction. I do not understand how they can tell me I am responsible for a transaction on a card that I have never received. It is affecting my credit report and is extremely unfair. I have been in contact with XXXX, and they have already removef it from my credit report. I am having issues with the credit card company, XXXX, and XXXX. Please advise.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Product: Credit reporting

I now have what I feared developing from my multiple XXXX accounts. Even though I was NOT posted as late, I never was 60 days late and my complaint to you was concerning my inability to contact them to make a payment they posted late payments to my credit files. That said even though I paid off my Mortgage {$50000.00} and a considerable portion of my debt was eliminated and currently XXXX balance on my accounts I have a XXXX credit score. I find this very disturbing that I should be such a credit risk and so low a score. The have literally taken away my ability to do anything! In my opinion an evil farce since the credit bureaus tell me its the lenders who generate the credit scores not them????. I am disturbed that so many " honorable people '' ca n't do a darn thing!!!! To boot I must pay or join to get my credit score- coerced to pay to get the score?
Product: Debt collection

I had outstanding checks with my bank, I paid the checks in full and closed the account. I sent the collection agency a letter from the bank stating such. They continued to say I owe the debt. I sent a cease and desist letter certified, and they are STILL contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected Consumer.
Product: Money transfer, virtual currency, or money service

After numerous weeks of completing on line surveys for Inbox XXXX XXXX  I submitted for a {$30.00} Virtual XXXX on XX/XX/XXXX. 
On XX/XX/XXXX I received the card virtually through my email. The XXXX XXXX XXXXXX/XX/XXXX I tried to use the card at a family dollar store and it would not process the money on the card to buy the items. I then tried to purchase items online at various businesses and could not. I contacted XXXX XXXX XXXX subsidiary BLACKHAWK NETWORK this company is the company that issues the cards for XXXX dollars. XXXX on the XXXX of XX/XX/XXXX. 
I was told they would process a replacement card in XXXX hours and I was given a case # XXXX. Saturday the XXXX I contacted them again for any updates on the case. I was told keep an eye on my email for information. 
XXXX morning I received an email asking me to provide a copy of my state id, a utility bill with my associated address and the email with the link to the card from them that was sent to me. With 3 hours I provided what was requested. The next few days the hoop I had to jump through got smaller and smaller. At first I was told I did not respond to the email that was sent to me on XX/XX/XXXX when I told the agent all the info had been sent the morning it was requested from them and that I have a record of being on the phone with an agent XX/XX/XXXX at XXXX and there was no mention of the email or my response I then tried to resubmit it but my email returned the message as blocked by them. I RECEIVED EMAIL THAT MY MOBEY HAD BEEN REFUNDED. I checked my Inbox dollars account and {$30.00} had been placed in it. I then attempted to order a {$30.00} XXXX card and my money was taken out by BLACKHAWK NETWORK requesting again the same Information that I already sent. Now at this point my money is being held hostage with a ransome of sending the card email link I was sent at first. I now want my money placed back into my account as I no longer want to any sort of business with this company. I requested that I be made whole ( {$30.00} ) be returned as they had no permission to take it out that XXXX time. 
I spoke with them in particular an agent named XXXX that flatly refused to return my hijacked funds. 
A contact number for them XXXX. 
I received another message today XX/XX/XXXX from this company to reply with the information. 
Even if they asked me to just type the letter A and send it to them I do not want a card from them just my money be out back into my account. 

XXXX XXXX
Product: Vehicle loan or lease

In 2019 I open a car loan with flagship. The care was surrendered to them. This company sold the car for $ XXXX. The loan amount was for $ XXXX. They incorrectly report this account on transunion it says I owe $ XXXX and the loan is closed. On the other two it says open and the balance is $ XXXX. They refuse to update anything regarding this account. I then received a letter in the mail from a collection company stating the balance was $ XXXX. This is a clear violation of my rights
Product: Credit card

This is for Paypal Special Financing which include no interest for certain period of time. Currently I have XXXX special financing items XXXX expire in XXXX & one expires in XX/XX/XXXX. From my online account I was wondering why my payments were not being applied to the special financing- I called Paypal Friday XX/XX/XXXX & spoke to both customer service & then I was told I then have to speak to computer center to have system updated & then they told me I have to talk again with customer service. I was never notified of the change in how payment allocation changed and there is no information on the paypal website to state their new policy. The new policy is after every payment a customer has to call in to make sure the payment is allocated correctly. This is absolutely ridiculous and that they can only go back up to 60 days of payments to have them applied to the special financing when all my payments from XXXX should have been going to the special financing. This is really a XXXX failure very unfair & deceptive practice. Today Monday morning XX/XX/XXXX I spoke with XXXX customer representatives XXXX XXXX & XXXX XXXX and then a supervisor XXXX XXXX via XXXX Chat from Paypal online account from approx XXXX - XXXX EST. Partial resolution only XXXX payments now allocated to the special financing. When all payments should have been allocated to the special financing.
Product: Checking or savings account

On XX/XX/year> my online bank, SoFi texted me on my phone asking if I had authorized 6 transactions that I will list below. I did not authorize any of these transactions ...... 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I texted SoFi Bank and told them I did not make those transactions. They replied via text message for me to call them at ph. # XXXX. I did and told them I wanted to dispute the transactions. I was told the transactions could not be disputed until they posted to my account. At that time they were pending. This is still XXXX XXXX, 2024. So I had to wait. On XX/XX/year> I requested a dispute. By XXXX XXXX, 2024 I was told they had already made a decision, and they found no errors on the banks behalf, the case was closed. I would not be able to get my money back. 
But on XXXX XXXX, 2 of the merchants had returned my money back into my account. And they were : XXXX. XXXX for {$9.00} and XXXX. XXXX for : {$77.00}. 
I found the merchants names and went to their websites and found the contact number for each of them. I called all of them on XXXX XXXX, XXXX, XXXX XXXX and then on XXXX XXXX, XXXX, and XXXX. All of these merchants told me they would refund my money to my bank account within 7 to 10 days. I notified XXXX that I did this, but they just said my dispute would remain closed unless I had information that was new. I had none. Well I never received any more of the money back. Or did SoFi get it and not put it back in my account? 
I still had my debit card in my possession, and I did not give anyone my card # 's or pin. Of course I froze my old card and ordered a new card, and I received it. I have no idea how these transactions were made or who made them. As my card is always with me.
Product: Mortgage

In XXXX of 2019 my account was transfered from XXXX to LoanCare for servicing. I paid my first payment in XXXX by my XXXX billpay in the amount of {$1700.00} which cleared my bank XX/XX/XXXX. 
LoanCare did not record this payment and said I missed a payment. I called and emailed eventually it was recorded. 
I made my next payment on XX/XX/XXXX in the amount of {$1600.00}. LoanCare did not record this one and said i was behind in payments. I called and emailed and it was recorded after about a month. It had cleared my bank on XX/XX/XXXX. 
My XXXX payment was attempted on their online site in the Amount of {$1700.00}. It was not recorded although it cleared my bank on XX/XX/XXXX. I called and emailed and it has still not been recorded. 
For my XXXX payment, I sent a manual check # XXXX in the Amount of {$1700.00}. It cleared my bank on XX/XX/XXXX. Again it has not been recorded and LoanCare says I am behind in payments. Again I have called and this is yet to be resolved. They say I owe a late fee ( all payments have been made in the alloted time ). They have also reported to the credit bureaus that I have missed payments. I have asked that these be corrected and they have not. 
LoanCare is not being responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX XXXX, XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial One did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called XXXX and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and Captial One sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called Capital One and they told me they " could not help me, because they already did their job. ''
Product: Credit card or prepaid card

I received and email on XX/XX/XXXX that my statement was due for Genesis FS Service and i never applied for a card with them. Upon speaking to customer service someone opened and account with my information at XXXX XXXX XXXX. I have requested for the account to be closed
Product: Debt collection

Received and a bill dated XX/XX/2023 stating that they are trying to collect a debt on behalf of XXXX XXXX XXXXXXXX. for the amount of # XXXX. 

I responded with a written letter dated XX/XX/2023 ( XXXX tracking # XXXX ) requesting : 1 : Notice of Assignment ( NOA ) from original creditor to Associated Credit Services ( ACS ) regarding alleged debt. 
2 : If they purchased this debt and for how much.

3 : Name of person with first hand knowledge about the debt at ACS.

4 : What due diligence did ACS conduct to verify the legality of the debt.

5 : If they are in possession of my original security instrument ( contract with XXXX XXXX ). 
6 : Legal relation ship between ACS and me and/or contract and terms of such contract if any.

7 : Evidence of my agreement with XXXXXXXX XXXX. 

ACS responded to XXXX of my inquiries only ( A copy of agreement between me and XXXX XXXX  ) and ignored all other inquiries. 

I responded with another letter dated XX/XX/2023 requesting same information in my previous letter. 

ACS continued to call my private tel # and leaving messages. 

I sent a seize and desist letter dated XX/XX/2023 which ACS ignored and continued to contact me. The last call was earlier today at XXXX XXXX  from tel. # ( XXXX ) XXXX
Product: Student loan

Included in my loan agreement is a provision ( found in sectio n ( E ) ( 9 ) ) th at states I am eligible for a three percent ( 3 % ) reduction in the Margin of my Loan if I satisfy certain requirements. Currently, my Margin is 17 % ( without said reduction ). I meet the requirements for the Margin reduction.   I first messaged  First Associates o n  XXXX   XXXX ,    2017 as king for a list of what they would consider sufficient documentation. They did not respond.   I mailed a letter dated  XXXX   XXXX ,    2017 re questing the reduction and provided ample documentation demonstrating my eligibility. In said letter, I requested that I be notified within 10 days if any of the documentation was unsatisfactory. Otherwise, I requested that the reduction be applied to my Margin effective immediately.   My letter and documentation was received  by First Associates o n  XXXX   XXXX ,  2017. I ha ve not heard anything from  First Associates re garding my request, nor has the reduction been applied to my Margin.   I require that they uphold their side of the loan agreement and apply the 3 % reduction to my Margin, retroactively effective to the request date of  XXXX   XXXX ,    2017. M y new Margin should be 14 %.
Product: Credit reporting or other personal consumer reports

A data breach happened and the inaccurate information is on my profile. 
Maybe even identity theft by doppelganger
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at XXXX XXXX, I sent an international moneygram transfer for the amount of {$100.00} + {$4.00} transfer fee to XXXX but unfortunately the recipient was unable to collect the transfer due to identification card being stolen. At XXXXXX/XX/XXXX that same day, I went on moneygram website and cancelled the transaction. I was told that the money will be deposited to my bank account but I have been waiting since Moneygram transfer reference number : XXXX