23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'm not sure of the day it happened yesterday as I am making this I assume XX/XX/XXXX I have a credit card with Capital One and it's also a Walmart card to be used at Walmart I have a {$300.00} limit when I checked my limit last night it said I had {$47.00} and some change woke up in the morning it disappeared but not my balance my balance was still the same not XXXX it was under a guy named XXXX who's like a head guy there has been doing this to me for 13 months straight once a month he steals money off of my car he's like a manager at Capital One he's been embezzling my money for well over a year I want this card terminated and I don't want to be owed anything and I don't want to owe them anything and if that's not acceptable I want to press charges
Product: Debt collection

My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from.
Product: Credit reporting or other personal consumer reports

Bank of America has violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. I attempted to get a property modification for my house at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  times and they never responded. This is a violation of federal law. They have also been investigated under the RECO Act. They have also had many class action suits against them. I'm attempting to get XXXX involved with my case. The people must be made aware of this Banks activities.
Product: Mortgage

Our VA mortgage is financed thru Freedom Mortgage, they called and said they wanted to reduce our mtg. by XXXX % - just because ... he said they would send electronic documents to sign. I told him I wanted full disclosure he said no problem. When I review the e-docs I did not like what they said, did not sign and sent an email we were not interested. I have sent XXXX emails telling them we are not interested. This morning I got email that said " congratulations on you loan application, now sign these additional docs ''. We never signed anything, electronic or otherwise. I have emailed them again and still they are saying we need to submit additional docs to " lock in our rate ''. We do not want this, they are our current VA Mortgage servicer, I am now afraid of them and do not trust them. What can I do?
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed there are unauthorized hard inquiries on my report they are ; I DID NOT AUTHORIZE ANY OF THESE INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.
Product: Debt collection

Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court county, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This company is also reporting inaccurate information because the true name of this company is XXXX XXXX XXXX not XXXX XXXX ) In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Debt collection

There is someone that has the same first, middle, and last name as me and lives about three hours away from me. I found this out when I was alerted to a debt collection on my credit report. The debt on the report was from XXXX XXXX XXXX XXXX and is being collected by the collection agency Account Resolution Corporation. I XXXX my name and found out that there is a woman with the same name that lives in XXXX, MO in her XXXX 's. I live in XXXX XXXXXXXX, MO and I am XXXX. We have different social security numbers, birthdays, addresses, etc. I called XXXX XXXX XXXX XXXX 's billing department on XX/XX/XXXX and talked to someone who admitted that the information did not match up with mine and they said that they would contact the collection agency. That did not satisfy me, so I disputed it online and then called the collection agency myself. The agency was very rude and told me that if I had identity theft I needed a police report or I needed to pay. It is not identity theft so how could I do that? They made the mistake and reported it on the wrong person. I called the billing center again and they told me that it was the same name, but not me as nothing else matched. I was told to wait until it was investigated and dropped off by the collection agency. It was confirmed that it was mine by them after I disputed it. THIS IS NOT ME. This company needs to be held accountable for negligence. In order to put collections on someone they should be required to match up ALL information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have several accounts that were opened unauthorized. Here the list of items to be removed 1 capital one # XXXX 2. XXXX XXXXXXXX XXXX XXXXXXXX {$610.00} 3. XXXX XXXX # XXXX Inquiries 1. XXXX XXXX XXXX 
2. XXXX XXXX 3. XXXX XXXX XXXX Address to be removed 1. XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 Aldous & Associates P.L.L.C. Collection agency add a derogatory mark in my XXXX credit report per XXXX XXXX, upon further research this account was transferred sold and I no longer responsible for this account debitor creditor did not verify this collection also, there was no written terms of communication, contract or signature for this accused debt at all.a bill with out signature does not validate this debt and anybody can send a bill and say is mines. According to the FCRA fair credit act, aldous collection agency has violated my rights as a Cosumer and Im requesting legal action to remove this account immediately..
Product: Vehicle loan or lease

In XX/XX/XXXX I was put on XXXX and I had called in XXXX to see if Ford would be able to lower my car payment due to the financial Hardship that was occurring. Ford transferred me to the rewrite department where I spoke to XXXX and she started the process once the process was complete I was approved on XXXX XXXX. I had called XXXX in the rewrite department to discuss XXXX payment how I didn't want it to be 30 days late during this whole rewrite process and go on my credit. XXXX and XXXX assured me if this happened during the rewrite they would fix the 30 day late payment.Well on XX/XX/XXXX I received an alert stating I was 30 day late on my payment with Ford. I disputed that and called the rewrite department and spoke to a XXXX XXXX who then stated the credit department was in charge of that she then gave me a number where to call XXXX. I called the credit department who informed me the credit was already updated on XX/XX/XXXX that was not the case yesterday the credit bureau contacted me stating the dispute i had made was accurate through Ford and they would not delete the days late which cause my student loan to deny me to not enter school. This has been such a devastation and I hold Ford responsible for this I have been given the run around and they have not owned up to what they said they would do. I have spoken to several Account specialist in different departments and XXXX in customer service informed me today that I would have to send a letter to the Credit Dispute dept to see if they would take the 30 day late payment off. If i knew this would happen I would never have did the rewrite that caused me my career.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 borrowed {$150.00}. Terms and agreement calls for a lump sum repayment of {$150.00} on XX/XX/2024. Have entered into this type of arrangment before so this is nothing new. 

On XX/XX/2024 @ XXXX XXXX, without prior notification or authorization CashApp debited my account balance by {$55.00}. 

Attempted to work through CashApp customer service to resolve matter. Representative informed me that issue to be forewarded to an exclusive in house team for resolution. Only communicates one-way via email. 

In essence CashApp breached the loan agreement by seizing money from my account.
Product: Debt collection

They still have XXXX on my credit I don't owe them I sent in XXXX balance paper work
Product: Debt collection

left apt early for health reasons XXXX trouble lost deposit been contacted by transworld systems who have said on 6 to 8 phone calls and in theirletter that they are collecting for the apts and that they do not own the debt -- turned out this is false and they are holding me XXXX to pay XXXX i have tried to settle and offered XXXX they said they would contact the creditor the apt and see if they would accept the offer they own the debt which they have denied cant get into apts because of this its ransom and they own the debt but they always insist they are collecting for the apt.and do not own the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through XXXX back in XXXX. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX because someone set up an account in my name through XXXX XXXX with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the XXXX I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the XXXX settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.
Product: Student loan

Navient is the company that has my student loans. Since 2013, when I was medically declared XXXX, I've been dealing with Navient for student loan forgiveness. I qualify for student loan forgiveness. I've submitted the required and necessary information to Navient several times, each time being told I've been approved for student loan forgiveness, only to receive a phone call or documents in the mail from Navient stating my paperwork submissions are incomplete. I've ensured each time that I have the correct Navient paperwork, verify what the incomplete portion is needed, go back and complete the same paperwork according to the same standards multiple times that even my doctor is tired of filling the same documentation out that he is now charging me {$350.00} to fill it out. This paperwork is the same each time, I'm told each time that I'm approved and it's formally in the process for forgiveness and then each time told my application and required paperwork is incomplete and Navient has me redo the exact same paperwork. This is a circular game. This is now on my credit report and I'm receiving threatening phone calls and notices from Navient AND the Department of Education stating they will garnish my wages ( which are non existent because I can't work ), withhold my taxreturn etc
Product: Checking or savings account

My accounts are held at Charles Schwab. My wifes accounts are also held at Charles Schwab in the name of her Trust. My wife was the trustee of her Trust. She died XX/XX/XXXX. I am listed as the successor Trustee of her Trust. I have been trying to gain access to my deceased wifes trust accounts for 3 weeks. I provided them the original death certificate three weeks ago. Please help me gain access to the accounts Schwab has a copy of her Trust and the death certificate.
Product: Credit card

There was a {$2000.00} charge on my credit card for " XXXX '', we had disputed the charge with Chase, and after 3 months of reviewing it they denied our dispute and said they had no other information available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S FRAUD DEPARTMENT AND SPOKE TO AT LEAST XXXX CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX XXXX CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH. XXXX.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is an ongoing issue : Per XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.