23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and XXXX refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX  for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX ID Report XXXX  Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/XXXX  ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX Promotional Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

lowes submitted a credit app without my approval, bank agreed and stated they would remove inquiry. it has been 4 months and still has not been removed. you handled my previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With XXXX And Equifax. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
Product: Credit reporting or other personal consumer reports

A late payment is reporting on my credit report for XX/XX/year> that is inaccurate I have never been late and the reporting status is obviously incorrect and that is a violation of The Fair Credit Reporting Act for all the inaccurate reporting.I reached out to XXXX XXXX XXXX and one of the representatives made aware to me that they do not have have a 30 day late payment for XX/XX/year>. I will be providing supporting documents supporting the inaccurate reporting. 15 USC 1681A late payments and inaccurate late payments is illegal and this account is obviously inaccurate. 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law of the posted late payment and I was never notified. ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any XX/XX/year> late payment. I credited the transaction with my credit card/social security card . The late payment is in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. 
Thanks kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, Equifax and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I opened a Business Checking account with Capital One. I made a deposit on XX/XX/XXXX, Capital One sent an email saying my funds would be available XX/XX/XXXX. I then received a letter by mail saying they held {$1000.00} of the funds and would be available on XX/XX/XXXX of which NONE of my funds have been made available. It shows {$0.00} in available and the amount deposited under current balance. They have held my funds without notification and I have called multiple times just for them to say we dont know when they will be available I was told a request was put in twice to close my account but they have not done so, and have not released my funds. This is unprofessional and unlawful. This has put my small business in jeopardy and caused a hardship. They have failed to notify me of anything, other than my funds would be available XX/XX/XXXX which they were not, not a single dime has been available to me. They are holding my funds unlawfully and will not tell me anything other than once we close the account a check will be mailed that can take XXXX business days. Its well past that timeframe and Ive yet to receive an explanation or when I will have my funds.
Product: Debt collection

On XX/XX/XXXX, I XXXX XXXX noticed a new debt collector ( I C System inc ) on my XXXX credit report for {$540.00}. I immediately contacted the original creditor ( XXXX ) to inform them that I have been XXXX  since the beginning of XXXX and was released on XX/XX/XXXX. I have no knowledge of this credit nor did I approve a credit with XXXX
Product: Debt collection

I checked my credit report today and discovered Hunter Wakefield Law office and entered an incorrect debt on my credit report with put giving me written info on debt vadility
Product: Payday loan, title loan, or personal loan

I financed my residential Solar through Service Financial Company. XXXX XXXX, who installed my Solar System filed for Bankruptcy and is not taking calls or emails. XXXX XXXX was evidently bought by XXXX XXXX XXXX, XXXX. I have tried calling them and emailing, without success. Service Financial stated I am still obligated to pay them, which would be fine, however my Solar is no longer working and my XXXX bill has tripled. 

I have no idea who to contact for help at this point. I am paying {$300.00} a month to Service Financial for nothing. I have researched the internet tiressly for help and discovered there are 1000 's of people in the same situation.
Product: Checking or savings account

Capital One decided that I did not qualify for PART of the 2nd PPP disbursement I received. While they are saying I didnt qualify for the funds, they did release over {$1600.00} to me out of the funds. I do not understand how my business could qualify for some but not all. I have been attempting to resolve this issue since XX/XX/XXXX. Capital One advised me in XX/XX/XXXX that the funds were finally being sent back to where they came from. However, as of this day, no lenders or other companys/organizations/agencies involved in my PPP loan approval and funding have received these funds. Capital one has refused to give me documentation as to where the funds went, and it only shows as a deduction from my account stating capital one 360. As of today, I am still responsible for funds that I never received, because capital one has continued to handle this situation with horrible processes & customer service. Whenever I contact the company to discuss this issue, I am sent to a voicemail and never called back. This issue has been going on since XX/XX/XXXX & needs to be resolved immediately!
Product: Money transfer, virtual currency, or money service

XXXX this person on XXXX. I was lured into this website site XXXX XXXX XXXX XXXX XXXX by this person from XXXX XXXX XXXX XXXX XXXX XXXX ). I Deposited money using international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXX, Wise ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax refund procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : XXXX. Please help me, what should I do to get my funds back. I have started transactions starting XX/XX/2022 including with my other banks.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for Apple Card/Goldman Sachs Card . I made a few purchases with my Apple Card during these years, some where with 0 % APR and some where not. 

In XX/XX/XXXX I received this email, but did not see it until XXXX XX/XX/XXXX. 

Important message regarding Apple Card Monthly Installments. 
We understand that some customers expected to receive 0 % APR financing automatically when purchasing Apple products with their Apple Card. 0 % APR financing is available with Apple Card on eligible Apple products when customers choose to check out with Apple Card Monthly Installments while shopping on XXXX, the XXXX XXXX XXXX, or at the XXXX XXXX.1 If you expected to receive 0 % APR financing with Apple Card Monthly Installments when purchasing an Apple product from either Apple or an Apple Authorized Reseller,2 but you did not, we can help. 

If you contact us by XX/XX/XXXX, well be able to convert your eligible purchase ( s ) to an Apple Card Monthly Installment. To expedite your request, please be prepared to identify the transaction ( s ) for which you expected to get 0 % APR and have your receipt ready to provide to a specialist. Please chat with an Apple Card Specialist for assistance. 

In XX/XX/XXXX I contacted Goldman Sachs regarding this email because I wanted to have this message to be explained to me. 

In the attachments you will see the whole conversation I had with the representative. 

I would like to have my conversation with Goldman Sachs to be reviewed. I strongly believe that the representative did NOT explain to me my OPTIONS regarding the email and what it meant. I was around {$200.00} short of paying off my entire debt with Goldman Sachs after all these years. The representative was not CLEAR in informing me that converting these amounts will reverse my payments and they will hold my money for another 12 months and 24 months about which I learnt later in another message chat with another representative on XX/XX/XXXX. 
Moreover she informed me that ALL THE INTEREST WAS CREDITED BACK OF - {$1400.00}. I understood that this money is the money that I overpaid and will be credited back to me to my card/my bank account. 
( Please, see all the conversation in the attachment ). 

In XX/XX/XXXX I called Goldman Sachs regarding the money being transferred and they assured me that the money will be on my card. 

In XX/XX/XXXX I contacted Goldman Sachs via messaging chat telling them that I still not have received the CREDIT back. The representative told me that I have installments open and they can not send the credit back. ( These installments are the ones that the 1st representative CONVERTED herself )!!! When I asked for a supervisor to look into situation she informed that UNFORTUNATELY, AT THIS TIME YOUR CREDIT WILL REMAIN ON THE ACCOUNT AND WILL BE USED TO PAY THE MINIMUM. She apologized if any MISINFORMATION WAS PROVIDED. 
( Please, see the whole conversation in attachment. )
Product: Debt collection

Transworld Systems Inc ( TSI ) is attempting to collect on funds not owed to provider. Provider XXXX XXXX XXXX is attempting to collect on funds not owed. XXXX XXXX XXXX has refused to bill XXXX XXXX due to fraudulent activity. The provider refuses to show cause for a bill that is {$2600.00}. I was told by XXXX XXXX XXXX when I received services that all services would be covered by insurance. XXXX XXXX XXXX  by way of Transworld Systems Inc is refusing to bill XXXX XXXX, for services that will be covered under medical coverage if they were medically necessary. I believe they are avoiding XXXX because they are involved in fraudulent activity and are attempting to bill me for services that were not medically necessary. XXXX XXXX XXXX/Transworld Systems Inc requested a pre-authorization of services, when XXXX XXXX and XXXX XXXX XXXX XXXX XXXX authorized services, XXXX XXXX staff changed the codes and attempted to game the system. XXXX and XXXX XXXX XXXX XXXX has already informed XXXX XXXX XXXX that the medical codes that they are seeking rembursment on are covered by medical insurance ( on a recorded line ). XXXX XXXX XXXX has been captured on a XXXX recorded line lying about the inability to submit a claim to XXXX XXXX XXXX. I have reported the possibility of fraudulent activity by XXXX XXXX XXXX to XXXX Fraud Compliance Line. I have allow requested that XXXX XXXX XXXX not attempt to bill me without first showing evidence to Tricare for vetting. Transworld Systems Inc ( TSI ) as well as XXXX XXXX XXXX is in violation of 15 USC 1692f : Unfair practices. Recorded telephonic evidence can and will be provided via government funded XXXX recorded telephone conversation. I will be filling a report with other federal agencies to report the activity of this provider. 

XXXX XXXX XXXX has requested that my husband call insurance and request they pay the dental provider. Staff has also lied on numerous occasions to my husband about not being able to submit to XXXX. XXXX XXXX staff has also lied on a recored XXXX XXXX line while on a three way call with my husband and XXXX representative.
Product: Credit card or prepaid card

Capital one is using inaccurate out dated information. To perform credit inquiries, on their customers. And future customers that are seeking credit increases/lending. Capital one has been using outdated credit scores to make lending decisions on customers. I spoke with an XXXX supervisor that went over my credit score and my actual XXXX score was a 100 points higher than what capital one was using to score credit worthiness. They are pulling XXXX scores from several months prior to the date you actually make the request for credit. And making false biased lending decisions for customers. Then advertising to use a XXXX  scoring model, on their website which they dont actually use to make actual lending decisions. They have continually denied me credit increases and Im a over 4 year on time paying customer, based on false inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX did a true and accurate investigation and found that this information had to be deleted from my credit report. Experian did not do a fair and accurate investigation and is still reporting this account to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

these following names need to be remove from my credit report ( XXXX XXXX  XXXX ), I.D # XXXX ( XXXX XXXX, ) I.D # XXXX ( XXXX XXXX XXXX ), I.D # XXXX ( XXXX XXXX ) I.d # XXXX ( XXXX XXXX  XXXX ), I.D # XXXXMY only name is XXXX XXXX all other names need to be removed from my credit report
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

DEPTEDXXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7600.00} US DEPT ED XXXX XXXX : {$5800.00} US DEPT ED XXXX XXXX : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

According to documents provided by Discover Card for Complaint ID XXXX submitted on XX/XX/XXXX to the Consumer Financial Protection Bureau ( CFPB ), my account was created on XX/XX/XXXX. The document can be found HERE. I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX from XX/XX/XXXX-XX/XX/XXXX, a total of 11 years and 8 months. 

Despite knowing my correct address located at XXXX XXXX  XXXX XXXX, XXXX CA XXXX, notice was provided to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX on XXXX. The document can be found HERE. 

Service was then sent to another incorrect address located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. The document can be found HERE. 

On XX/XX/XXXX my personal information was submitted to a " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Proof of Service can be found HERE. At no time did I live at ANY of those addresses. 

My correct address was on file. A copy of my utility bill from that time frame validating my residency can be found HERE. XXXX XXXX  failed to served notice and used court processes for the purpose of intimidation and to undermine consumer protections. 

My consumer rights were eliminated to secure a judgment without due process with the intent to commit fraud. Within recent months, I have discovered the extent of this abuse after extensive research. I have suffered emotional duress and damages because of the illegal activities committed by Discover Card. 

The aforementioned facts have been taken directly from XXXX XXXX Court Records Case No.  XXXX and from CFPB Complaint IDXXXX. 


Please note Discover Card via XXXX XXXX XXXX committed the following documented violations : Violation Statute Date ( s ) of Violation Illegally Informed a Third Party of My Alleged Debt [ 15 USC 1692c ] 805 ( b ) 3.01.2016 5.11.2016 6.01.2016 2.14.2019 Failed to Send a Written Debt Validation Notice [ 15 USC 1692g ] 809 ( a ) 1.08.2016 7.06.2016 1.08.2016 Continued to Collect on the Debt before Providing Verification [ 15 USC 1692g ] 809 ( b ) 1.08.2016 7.06.2016 1.08.2016
Product: Checking or savings account

Deposited my paycheck on XX/XX/XXXX via mobile deposit. On XX/XX/XXXX, USAA created a hold of 40 % of the amount deposited ( {$4100.00} ) until XX/XX/XXXX. It is XX/XX/XXXX and the funds remain frozen. 

I chatted with an agent via the USAA App who explained that the holds are for preventing fraud and that she would see if she could release the hold early. That did not work. She then asked me if I wanted to escalate the issue to the supervisor via telephone call. I said Yes. 

The supervisor then told me it was random to which I asked, if its random then why are you holding the money now that I have contacted and escalated the issue?. She would not answer. Would not provide me with a reference number and would not give me her name or any way to refer to the complaint and escalation. 

For context, Ive had a USAA credit card and insurance policy since XXXX. I have a savings account and have been depositing my paychecks for over 6 years the same exact way. My recent credit score was XXXX. It seems wrong that USAA would hold my paycheck for such an extended period of time and then refuse pertinent information including the representative or incident detail. Very disappointing.
Product: Student loan

On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX XXXX XXXX   ) to correct my record by putting all of my additional payments toward the principal balance. I was told that this practice is supposed to be automatic. Since I signed up for paperless billing, I checked regularly on my borrower 's portal and I use the portal to access my loans information. XXXX XXXX also uses the same portal to communicate with me. On XXXX, because I haven't heard back from XXXX XXXX, I logged in to my account and sent an email directly to XXXX XXXX  to address my concern of 1 ) not receiving any response, 2 ) inaccurate payment allocation practice. Then, on XX/XX/XXXX, I noticed that XXXX XXXX had blocked me from accessing my own account. Still today, I have not been able to review my loan information.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses and inquiries are listed in the attached FTC. 

Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX