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

there is this guy trying to get my information and try to ruin my life and getting my personal information and he's also making a XXXX XXXX against me and also he's trying to get my social security number and places where I live and I'm scared that he's going to take my identity and i dont know what to do and i need some advice or something please help me protect my credit card and my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Subject : Complaint Regarding Dispute Case # XXXX To Whom It May Concern, I am writing to formally complain about the handling of my dispute with CapitalOne regarding a charge of {$57.00} at XXXX restaurant on XX/XX/year>. The food served to my family was not fresh and led to a XXXX XXXX, resulting in serious XXXX. 

I immediately contacted the restaurant, and they agreed to issue a refund, as confirmed in our message exchange ( attached ). Despite their willingness, I never received the credit due to a technical issue. I then contacted CapitalOne and opened dispute case # XXXX, but have faced constant delays and unreasonable demands instead of a resolution. 

Initially, I was told that the transaction was non-refundable due to an intermediary e-wallet service. After clarifying that the merchant agreed to the refund, I provided the requested proof. Then I was asked for invoices showing what I purchased, which I also provided. Despite this, I was further told I needed a " credit voucher, '' which is not something merchants in XXXX typically issue. The restaurant has already submitted the refund on their end and can not provide further assistance. 

I do not understand why CapitalOne continues to create obstacles for such a small amount, particularly when the merchant has expressed their willingness to cooperate. Even if the merchant had not agreed, I believe CapitalOne should have supported me in this situation, considering the health impact of the product and the lack of merchant cooperation.
Product: Money transfer, virtual currency, or money service

Problems with XXXX money transfer, receiving and sending out.
Product: Debt collection

I was going to start a cell phone plan with XXXX ( XXXX ) then they tried to say I wanted home internet when I didnt and never even sent me the SIM card that I actually did want. Since thing started out badly I decided to go with another provider. Now they want XXXX $ even though I never even had service with them. The debt is now with Afni for XXXX $
Product: Student loan

I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX XXXX are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.
Product: Vehicle loan or lease

Lease was funded using a fraudulently signed " Standard Buyers Order ''. I was never presented with this document while obtaining the lease, never signed this document, and explained this to XXXX over the phone in reference to COMPLAINT ID XXXX. All signatures and initials on this document do not match my own.
Product: Debt collection

AMSHER COLLECTION SERVICES are attempting to collect on an account that I have no knowledge of. In have never received a written notice or otherwise regarding this matter. Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, my rights as a consumer have been violated under the law. 

I was never given the opportunity to dispute and or request verification of this alleged debt. The original creditor is : XXXX XXXX XXXX XXXX ... .in the amount of {$200.00}
Product: Credit card or prepaid card

I have one existing Capital One Card. About 2 years ago, I called the credit card company and asked them to lower my Interest rate. I believe that my credit score was in the mid-700 's. At that time, I had two Capital One cards and had paid off these cards a few time with large sums of money paid. I believe that this company has been discriminating against me for some time. When they refused to lower the Interest rate the first time, I had that Bank canceled one of my cards. After I canceled that card, I began to get harassed by this bank in regards to my online activity where I would pay the amount owed. The Credit Card online account on numerous time had my password being changed, and I had to wait long periods to get it taken care of. I filed a Banking Complaint against them more than once. What can you do to assist me?
Product: Bank account or service

I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit.
Product: Debt collection

I received mail from XXXX XXXX XXXX saying I owed a alleged debt.. XXXX XXXXXXXX XXXX never sent any information including the right to dispute Pursuant to Title 15 USC 1692g ( a ). XXXX XXXXXXXX XXXX never stated I had to right to have Verification/Judgement Mailed To Consumer Pursuant to Title 15 USC 1692g ( a ) ( 4 ). XXXX XXXXXXXX XXXX never stated I had the Right To Dispute within 30 days Pursuant to Title 15 USC 1692g ( a ) ( 3 ). XXXX XXXXXXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. XXXX XXXXXXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 USC 1692e ( 2 ) Im the ORIGINAL CREDITOR Pursuant to Title 15 USC 1602i XXXX XXXX is also in VIOLATION Pursuant to Title 15 USC 1692c ( b ) & Title 15 USC 1681a ( 4 ) Evidence of Violations is included with this complaint ( Exhibt A )
Product: Checking or savings account

I write as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased a {$94000.00} CD from Key Bank XXXX XXXX XXXX, XXXX. The CD matures tomorrow, XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Key Bank mailed notice of approaching maturity with instructions for contacting Key Bank with instructions on whether to reinvest or redeem. I called Key Bank and received an XXXX XXXX email that said Key Bank would need three notarized documents for XXXX XXXX XXXX XXXX to get back its invested funds. At considerable inconvenience, I submitted the three notarized documents along with a cover letter requesting that Key Bank send the proceeds to XXXX. My cover letter requested that Key Bank call me if it had any questions. I called on XXXX XXXX to confirm that Key Bank had received my instructions. The person I spoke to, XXXX, said the documents had been received and were in legal for review. He suggested I call back today, XXXX XXXX. I called back today and was told that Key rejected my submission as inadequate because the cover letter was not notarized. 
I protest : 1 ) Key Bank creating costly notarizing rules before it will redeem the CD funds ; 2 ) Key Bank not promptly contacting me about any deficiency in the submitted documents 3 ) Key Bank demanding notarizing of the cover letter not requested by its XXXX XXXX emial. I submitted the three notarized documents Key Bank 's XXXX XXXX email requested and still ca n't get back XXXX 's funds on the maturity date tomorrow.
Product: Student loan

On XX/XX/XXXX I received a notice from MOHELA saying that my XXXX payment had been missed. This immediately caused concern because I have had auto-debit set up since my loans were first transferred from XXXX XXXX to MOHELA. The auto-debit payments had gone through as scheduled for the previous months so I was shocked to get this notice. I tried messaging MOHELA through their website and was given generic responses saying that it takes 1-2 months for auto-debit to take effect but this should not have been the case because it had been set up several months before and had been working smoothly prior to XXXX. MOHELA sent another notice that my XXXX payment was past due on XX/XX/XXXX. I messaged MOHELA again asking them to correct the payment issue as it was their auto-debit system that skipped the payment and they gave me the same generic response. On XX/XX/XXXX I tried calling MOHELA to talk to a representative but was sent in circles with automated messages. One of the messages said that my student loan payments were in repayment pause and payments would resume in XX/XX/XXXX. If this was the case, they should have never marked my XXXX payment as past due. After this call I submitted a formal complaint to studentaid.gov and messaged MOHELA again stating my experience and notifying them that I submitted a formal complaint. Ever since my loans transferred to MOHELA it has been difficult to manage their website and it is nearly impossible to get any clear answers about my loans. I made additional payments on my student loans for fear of this discrepancy showing up on credit report.
Product: Credit reporting or other personal consumer reports

Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is still an ongoing issue, I disputed the below with CFPB and the results were they would follow up with me. I never received a response via mail from them. Legally they are required to show proof of how they are validating the account. I called the companies for each credit card and they cant even locate the accounts. How are they getting validated? I know the reason why they arent showing it is because there is no proof because they arent mine!! I have battled this for years. Now it appears Equifax has updated my report and said the first date delinquency reported was XX/XX/XXXX!! They can pull reports from previous months and years and SEE this is incorrect!! Driving my score down even further!! I have attached copies of my previous report and most current report. Please notice the refusal to re-investigate by stating I must contact each company. Also, See XXXX XXXX reporting incorrectly with date major delinquency was 1st reported. I pulled my XXXX And XXXX credit report and noticed XXXX XXXX for {$160.00} and XXXX XXXX {$0.00} balance, showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with XXXX stating this is not my account and with XXXX 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called XXXX credit card company and was told 4 times that they could not find an account with my name on it or the account number. I spoke with XXXX she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to XXXX at XXXX she states she cant remove it because XXXX is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do. XXXX XXXX- I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with XXXX as well that this is not my account. This last dispute on XX/XX/XXXX, it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( XXXX or XXXX ) will not provide proof and I have did all I can do. I also advised XXXX the following Inquiries are fraudulent /not authorized by me : XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX XXXX- XX/XX/XXXX I advised XXXX the following iquiries are fraudulent/not authorized by me : XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I need this to be corrected and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Debt collection

My name is XXXX XXXX XXXX.I received a call on XXXX/XXXX/XXXX from a private number stating I had a debt back in XXXX that needed to be paid and they have made several attempts to reach me. After I had told them now was not a good time, they told me " Good luck in court maam ''., At that time, I became panicked and heard them out. I started asking questions, ( who they were, when this debt supposedly happened, why they have n't tried to contact me before ) The woman stated they were the collection agency and the actual debt resided in a different company. They also told me my ex 's information of his email. They then started to confirm all of my information and asked me to pay now on that day or else someone ion my area was going to serve me court papers, and that would cost me well over XXXX to fix. I was very scared at that point and decided I better pay this bc I do not want that to happen, I transferred money and even called the bank to let the funds go through. After the transaction went through, the lady continued to call me stating they would email me the final paperwork to be signed ( sounded legit, bc I thought that 's how you would handle a debt collection ) so after me not signing for a few hours they called me back to sign the paperwork. I got home from work and signed it online that day and then received an email stating everything was ion close and then I saw the Insight capital LLC. I had then XXXX that company and realized it was a scam. HELP me please!
Product: Credit reporting or other personal consumer reports

i sent letters to XXXX, XXXX, and experian about reporting inaccurate information on my credit report, and requesting that they delete the item from my credit report, per 15 usc 1681s-2b. This is really effecting my judgement and XXXX because i can't get things with my credit.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the presence of this bankruptcy in my credit report. The dates of filing and reporting, as well as the closing dates, do not match. This is particularly troubling as I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further compounds the absurdity of this situation.