23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out on XX/XX/22 I was a victim of identity theft bc leasing consultant at XXXX by the name of ( XXXX XXXX ) contacted/XXXX  the address on my ID. Because the person pretending to be me was caught in a lie about rather the address was a house or apartment complex. XXXX tells the purp that on the ID it says apartment # XXXX and the phone disconnects. XXXX finds the apartment complex on my ID and calls them to verify the information on the application and ID. I only find out what was going on bc my sister whose address ( XXXX XXXX XXXXXXXX XXXX XXXX ) was faced with a 7 day eviction notice. Once that happened her boyfriend contacted me to let me know whats going on in XXXX XXXX, Fl. Once I found out I went to XXXX twice to meet law enforcement to file a report of Identity theft. XXXX gave her account to Sheriff Officer XXXX and so did I. 

When it comes to these apartment complexes they are just placing debts on peoples accounts rather they verified it wasnt you or not! They dont care they only care about revenue that was never theirs to begin with I never lived at any of the places that are on my account none of this is falls under fair credit anything far as I know I never been a victim of identity theft and have to go through so much to get these false reports off after they knew it wasnt me. They have my social and ID not bc I gave it to them now theyre trying to hold me responsible for the debt to be paid.. In what world are we in??
Product: Credit card or prepaid card

Hi! 

My account was closed without warning and I have since been unable to redeem the XXXX points that are still listed on the account. 

These points are worth {$740.00} in cash that I should be able to redeem with a direct deposit when the account was facing closure and I was not given the option. Now I can log in and see them but not redeem them. 

I have tried to reach out over the years and have been stonewalled.
Product: Credit reporting

I sent out a certified letter to XXXX and they responded with the attached letter that they are not reporting my account to any of the bureaus. Please remove this account as per the attached letter.
Product: Mortgage

this is the certified letter content that we sent to the lender : To billing customer service management ************ We have called to resolve that there are no missing payments on multiple occasions, with no success to show this loan is current and not a month behind. 
We have also entered these facts on the message board to no avail. We have also received statements late in the mail and contradicting statements on your letterhead that even have the same dates on them with different totals due. 
It should not be necessary or so difficult to have this issue resolved and my account updated to reflect that I am not behind on a mortgage payment and Never!! Have been. 
See all details and enclosed correspondence to illustrate this fact : please email or call XXXX XXXX XXXX. XXXX Account number is in subject line. And XXXX XXXX needs to be updated to reflect account is current. 

See attachments that detail all. There also should be no late fees applied to this account in error, and if so need to be credited to my account. ****************** ALL the checks listed below have also been confirmed as cleared by my bank. 

XXXX XXXX payment XXXX date XX/XX/XXXX XXXX XXXX for {$1100.00} XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX for {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX for {$1100.00} XXXX XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX for {$1100.00} Paid full amount of escrow shortage SO OUR PAYMENT WOULD NOT GO UP. SEE ATTACHED ********************** XXXX XXXX XXXX XXXX XX/XX/XXXX pd {$210.00} as XXXX XXXX number XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX for XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX for XXXX Displaying records from XX/XX/XXXX to XX/XX/XXXX. 

Select Filter XX/XX/XXXX XXXX Electronic Payment Autopost Paid see attached XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds )???????????? 
XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds )??????????? 
XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds )???????????? 
XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Curtailment - Regular Payment and Additional Principal Autopost -- - regular payment and not to be applied to principal XX/XX/XXXX XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds )?????????? 
XX/XX/XXXX XXXX Escrow shortage XXXX XXXX a mtg pmt******************************* Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Single Receipt Escrow -- - this should be posted as a mtg payment ************************************* XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Refund XXXX XXXX tax XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Escrow Disbursement XXXX XXXX tax XX/XX/XXXX XXXX Escrow Disbursement : Homeowners insurance XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Electronic Payment - Autopost XX/XX/XXXX XXXX Electronic Payment - Autopost
Product: Money transfer, virtual currency, or money service

This is the email that was sent to XXXX today, XX/XX/XXXX : They handle all bill payments online for Capital One 360. BillGo is not registered with the CFPB. 

To Whom It May Concern : I have been trying to track my payments made through Capital One online to XXXX XXXX XXXXXXXX XXXX for the months of XX/XX/2023 and XX/XX/2023 for over 7 months now. Capital One provided me with several investigations and the history of those payments, which are attached. XXXX conducted its own investigation with the trace numbers provided, and they have informed me that these payments did not go to their company. 

I am following up with your organization to look into the matter, as XXXX is the common link between where my payments were withdrawn from and where they were supposed to go. All documents have been included in this email. Please acknowledge receipt of this email promptly and let me know when these funds will either be delivered to the vendor or returned to me. Thank you. 

Forwarded to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Debt collection

In XXXX, I received a collections request, Lotane and Associates, representing XXXX XXXX medical center. I spoke with the company about paying the debt off, they informed that I would be able to make payments via the website and settle the account for {$1200.00}. My payments could be made online and once the account was {$0.00} the account would be considered resolved. I made payments on the account totaling {$1200.00} bringing the balance to {$0.00}. 

{$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX Final payment of {$250.00} XX/XX/XXXX totaling {$1200.00} The company then obtained a judgement against me in XX/XX/XXXX, after I paid the debt off for {$1500.00} stating to the court that I had only paid {$600.00} towards the debt. I had in fact paid the balance off via their online portal and have the emailed receipts. 

The judgement was just mailed and emailed to me XXXX of XXXX, prior to this, for 5.5 yrs there was no communication about this judgement, I was not even informed this was going on. The judgement was sent to an old address that I no longer resided at in XXXX. I immediately reached out to them when I received the judgement in XX/XX/XXXX via phone and email to resolve the debt and show that it was paid off. The company is refusing to acknowledge that this debt was settled. I have copies of the receipts from the companies website showing payments made. 

Lotane and Associates Ph : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just Received notification from a new service that i set Up with Transunion to notify me or if my credit report is requested. I logged In today and discovered inquiries including two that were recently made ( one as early as today ) against my consent and will. I have rtrequested that Transunion investigate and or delete these unauthorized inquiries as i did Not authorize them neither have i consented in any way for this offer fro credit. 

XXXXXX/XX/XXXX ( spoke with XXXX in fraud resolutions who verified this is an error on XXXX part ) XXXX XX/XX/XXXX ( spoke with XXXX is Credit resolutions who stated a request would be submitted to delete ) XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, my Chase bank account have received unexpected REFUND from XXXX XXXX on the amount of {$9500.00} ( PPD ID : XXXX ). This transaction was immediately REVERSED back to XXXX XXXX. Please see enclosed proof from Chase Bank that REVERSED transaction went through to XXXX XXXX ( page XXXX, marked as # XXXX ). 
But XXXX XXXX didn't received this amount. Attached is a copy of my credit card account that shows only CREDIT REFUND on XX/XX/2022 but not RECEIVED money back. 
Please investigate with Chase Bank where this REVERSED money went? 
Since XXXX XXXX didn't get this money, they told me I owe them this amount. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you
Product: Mortgage

XXXX report was paid for to XXXX and XXXX paid a third-party vendor to conduct the appraisal. The appraisal was completed on the XXXX of XXXX after being ordered on XX/XX/XXXX. The team at XXXX refuses to release the appraisal report to me despite multiple attempts to do so, including phone calls, live chats, and emails.
Product: Mortgage

Upon closing I noticed a XXXX k figure in the closing costs. When I inquired as to what it was I was told that my current lender was not going to pay my property taxes so the new lender was basically financing it into my new loan and once I got my old escrow refund I could turn around and put it on the new loan or consider it cash out. I did have a couple project I had been considering around the home so I agreed. The next day I got email confirmation from old lender they had paid my taxes so I contacted new lender provided email proof as well as got XXXX XXXX XXXX  involved and advised them not to pay the taxes with that money as they had already been paid by old lender. XXXX XXXXXXXX XXXX was supposed to stop payment on their check which should not even have been sent at this point since loan was still in rescission period. Loan closed XX/XX/2021 this conversation happened XX/XX/2021. Both XXXX and XXXX XXXX XXXX were negligent in handling this issue. On top of the negligent actions they are extremely unprofessional and have no regard for the customer harm they have caused. Several unreturned emails and ph calls have left me completely frustrated. I finally took it upon myself to contact the tax office and found out that indeed the taxes were paid by new lender and old lender. Now I am left paying interest on XXXX dollars that I do not have possession of. The county advised me that they can not refund XXXX XXXX XXXX their check because it actually posted first before old lender and by law the refund goes to the last payer which will be my old lender. I have been advised by old lender that it could be 60 days or more before I see that money back from them so again left paying interest on money I dont have access to. Add on the time stress and energy lost into trying to solve for a resolution to all of this with absolutely no help or regard from the lender or the title company and you get one very frustrated consumer. I do believe there is customer harm here in regard to the handling of this issue as well as the fact that I basically was forced to finance my taxes when I was escrowed by my old lender and had proof that they paid said taxes. The new lender and the title company need to be held accountable for their poor handling and lack of communication and their overall disregard for the consumer. This whole situation could have been avoided had people done their jobs correctly. And furthermore, I get that everyone makes mistakes and drops the ball but to not take any ownership or even acknowledge said mistakes or offer any solutions for remuneration is unacceptable. I am quite sure if this kind of negligence and lack of customer service happened to me from both the lender and XXXX XXXX XXXX that they are both harming other consumers in same or other ways. Please feel free to reach out should you need more information regarding my concerns and experience at the hands of these XXXX incompetent organizations. 
Thank you so much for your time XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report. 

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 

XXXX also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of XXXX violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a letter from Alliant Credit Union dated XX/XX/XXXX claiming that they will convert the hard credit pulls to soft credit pulls. They claim it would take 60 days to reflect these changes. It is currently XX/XX/XXXX and none of the changes have happened. It has been over 3 months and the credit inquiries still show up in my credit report.
Product: Debt collection

I have disputed this account with Discover card numerous of times with no feedback from the company, they still continue to report this account on my credit report and it does not belong to me.
Product: Credit reporting or other personal consumer reports

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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX XXXX  ; XXXX, Delete this XXXX for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$21000.00}
Product: Money transfer, virtual currency, or money service

It's Paypal. My son opened up an account. He is a minor but that did not prevent him from opening an account and transacting. 

He accumulated more than {$500.00} due to selling clothing. He tried to withdraw to his XXXX  custodial account. Paypal is refusing because upon asking for his passport and driver 's license they discovered he was not XXXX. 

So, they have effectively stolen my son 's money. Yes, stolen. They use these funds, even though they belong to my son, to offset banking fees via FTP credits from their bank. The longer they keep these funds, the more money they make and the less money my son makes. 

This is, in effect a trap. Paypal is happy to open as many accounts as possible and report account growth in their Edgar filings, but then, only after getting money, do they do a proper KYC. 

They are fully aware that minors open accounts all the time. They just don't want to pay upfront for the KYC procedures. Honestly, it is XXXX. These are kids and they advertise on kids ' sites via their acceptance mark. 

10 years in from the financial crisis and these guys are still acting with impunity. Their customer service is designed to be so painful that most people simply give up.
Product: Debt collection

The following company by the name of Speedycash.com/ ADA Astra recovery is reporting on all 3 credit bureaus and I have no knowledge of this account. I have attempted to contact them several times to address this but each attempt has been unsuccessful. They have refused to return any of my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

The first inconsistency is the account type detail listed by XXXX. While TransUnion and XXXX indicate that the account type is a charge account, XXXX leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by XXXX, which is {$650.00}, while both TransUnion and XXXX report a high credit of {$0.00}. This inconsistency also violates the FCRA sec

tion 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that c
redit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report.

Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.