23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of XXXX, I received notification about a discover card that I have had in my possession locked away since XXXX of XXXX was being used and charged regularly which had maxed out the card. There was over {$3100.00} charged on said card in a span of 4-5 months. I contacted discover right away once I had realized what had happened. They closed said account and opened a new one with the balance that I had prior to the fraudulent charges. Then, on XX/XX/XXXX of XXXX, I had seen all of these charges come onto the new account and discover had claimed that there wasnt any fraud and that they would not help me. I explained to them that I had called all of the merchants that were listed on the transaction history and they had confirmed that they were fraudulent as well but discover still will not help with this claim.
Product: Vehicle loan or lease

I was payiuhap insurance through my insurance company and was also being charged through XXXX XXXX
Product: Money transfers

As a favor to a friend, I setup a Chase Quick Pay account linked to my credit union checking account. This person 's relatives would send money through Chase Quick Pay where I would get an email to login and to accept this money. I would do so and after 1-2 days, the money would show up in my checking account. I would then proceed to withdraw that money for the person it was intended for. The last transfer for {$170.00} was deposited to my checking account on XX/XX/2016. I noticed today however, that the money was reversed by Chase and taking from my account on XX/XX/2016. I would assume that once the money was transferred and deposited, that the other party could not cancel the payment. Further, I would assume that once Chase makes the transfer, the money being transferred has been verified and is available. I do not understand how Chase can come back a week later and remove that money from my checking account without me agreeing to it. Also, if that money was not available, why is Chase even making the transfer to begin with. I feel I was scammed both by the person making the transfer and Chase.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX, CA 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00}
Product: Mortgage

I closed on a loan with LoanCare XX/XX/XXXX but they continued to report to the credit bureaus that payments were late and the account was over 150 days delinquent. Incorrectly reported information for XX/XX/XXXX through XX/XX/XXXX. The account was paid in full from the sell of the property XX/XX/XXXX. I have attempted to contact the lender at the phone number reported on the credit bureaus however they say theres no record of an account with me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with XXXX, XXXX, and Transunion and have yet to receive any correspondence from them! I have inaccurate items reporting on my credit file that I need removed immediately. I have been trying to get things removed since XXXX of 2020 and have yet to receive a single letter or word from them. I understand with the pandemic, there is a delay but this is ridiculous. They lawfully have 30 days to respond to my disputes and it's been months!! The inaccurate items must be removed from my credit immediately.
Product: Checking or savings account

My checking account was frozen and I have a hold on all of my money I have been saving up
Product: Checking or savings account

On XX/XX/XXXX there was a Wire Transfer of {$36000.00} into my checking account. The person sending the mony made a mistake and said it was a fraud. Subsuquently the funder sent a letter that she was recalling the fraud statement and that they should release the funds to me, dated XX/XX/XXXX. I have communicated with their fraud dept., left messages and they never called me back. I have called at least 10 times and with messages. They sent me a letter dated XX/XX/XXXX, saying they were sending a cashiers check in the balance of what was in my account. I have never received any check from them. I called the fraud dept. and they told me that the money was in suspense. As far as I'm concerned they have fraudulently stolen my money. 
I have all the documentation to prove this statement.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS ACCOUNT RESOLUTION for committing identity theft. I have never given ARS ACCOUNT RESOLUTION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from ARS ACCOUNT RESOLUTION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ARS ACCOUNT RESOLUTION can not provide me with proof such as a certified mail tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, then this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( including reporting of ; or verifying of this account on my credit reports. ), of this and any alleged debts until ARS ACCOUNT RESOLUTION can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS ACCOUNT RESOLUTION continues its collection efforts, I will file for litigation for actual damages caused and ARS ACCOUNT RESOLUTION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Please attach copies of : Any agreement between you, myself and your client that grants you the authority to collect on this alleged debt ( trilateral contract ), or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
Product: Credit card or prepaid card

XXXX was my initial complaint to cfpb disputing the charge on my credit card mentioned in my initial complaint. I disputed the charge and requested that they send me a copy of the credit card charge slip with my signature on it. 
Nowhere in the response from the credit card company, or in the response from cfpb that the case is now closed ; is there a copy of the charge slip. I had already paid the credit card company in full, including the disputed charge. 
So far they have not given any proof ( in the form of a copy of the credit card charge slip with my signature on it ) so far, their response has been a bunch of hogwash that I would prefer to call " XXXX '', without giving me the proof I requested, to validate the disputed charge. 
So I again repeat that the disputed charge is invalid, and a fraud by the credit card company. I am not claiming any fraud by the merchant, as the merchant did not show me anything on their computer records to show that there had been such a purchase by me, or a claim by them to my credit card. 
I place the blame and fraud solely on the credit card company. Besides recording this fraud against the credit card company, I do want cfpb to rule that the credit card company refund to me the disputed charge of XXXX XXXX and all the interest at the rate of about 25 % that they would have charged me on this disputed fraudulent charge that they have given no proof of in the form of the copy of the charge slip with my signature on the charge slip.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX, has violated my rights, and 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 reporting, credit repair services, or other personal consumer reports

CITI bank Costco Visa card wrongfully flagged me to credit reporting agency XXXX with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a CITI credit card account -- Costco Visa Card -- that I have no knowledge of ( and it's over credit limit ). After  spending one hour, through XXXX, I found out that it's a CITI bank Costco Visa Card account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the CITI number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to CITI bank general customer service representatives  at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that CITI bank credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the CITI representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? CITI bank must be held accountable and so are the specific individuals involved in this matter!
Product: Debt collection

Midland funding has continued to try and collect a debt from 2010 that was covered under debt insurance. I paid my bill until I was unemployed due to XXXX, filed the claims, and they have continued to harass me. I called them and quoted that the statute of limitations had long expired and that they were to cease and desist collection efforts. The woman said that there is no statute.
Product: Checking or savings account

My paycheck is normally deposited biweekly early Thursday morning. I checked my account and it was not deposited even though my bank sent the funds. It is now Friday XX/XX/year>2025 and my paycheck has still not be deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by CAPITAL ONE before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or CAPITAL ONE to furnish any late payments to my consumer report. It is my undoubted belief that due to CAPITAL ONE 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
Product: Student loan

12 yrs ago I started paying in my loan to navient. Originally it was Sally mae. I was always offered only a forebarence. As much as I have paid my loan should have been paid off. The amount never decreases. Multiple times I've made payments that they did not receive and I refused to pay again which caused extra fees. Sometimes I even paid it again just so I don't have them telling me I'm a lier. Everytime I try to pay a little more after finally being offered the based on income and family size they raise the amount of the monthly bill and don't even tell me when they do and they change the due date without even telling you about it. In the end it's always my fault. I swear this should have been paid off by now after paying for over 10 years for a XXXX XXXX XXXX loan. I only went to school for less than a month because I felt the school was scamming me on my education. The teachers just slept and put on movies!
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$76.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Bank account or service

RE : Case ID # XXXX My name is XXXX XXXX, and I have had an account with Ebay and Paypal in excellent standing since early XXXX. On XXXX/XXXX/XXXX I received an email from Paypal stating the following : Hello XXXX XXXX, We have recently reviewed your PayPal account activity, and determined that you are in violation of PayPal 's Acceptable Use Policy regarding your sales / offers of jerseys on eBay, user ID : XXXX. 

As a result, your account has been permanently limited and this can not be appealed. 
So they suspended my account with {$10000.00}. They added in their email the funds will be frozen for 6 months. 
My Ebay account is still active and with 99 % excellent feedback, no open complaints, no chargeback 's, no returns. I still do not understand why Paypal chooses to close my account while Ebay chooses to keep it active. This is very incongruent. 
I have pleaded with XXXX different customer Service Reps to please review my case, since I have no problems with Ebay or vise versa. I keep getting copy and paste standard replies. 
I kept my funds from sales on Ebay with Paypal because Ebay automatically withdraws their monthly invoice fees from there. I also retrieve money from " My Wallet '' to pay for replenishing my goods and other business expenses, as well as living expenses. 
If I do not have access to my funds for 1 month I will have no way to take care of Payables and Expenses. 
If they want to suspend my account, I can live with that decision, however I can not support myself if they take and freeze my funds for 6 months for no proven reason. 
Please Help!
Product: Mortgage

Myself, XXXX XXXX, and husband, XXXX XXXX XXXX, have concerns on the unethical practices, honesty and integrity of the contractual agreement we are about to enter into with our servicer, Ocwen, and lender, XXXX. 
We are documenting these concerns in order for you to review their practices and to protect ourselves from any changes that our servicer, Ocwen, and lender, XXXX, may make in the future to this agreement we are about to sign. 
1. There is no mention of this interest rate being fixed or variable, even though we were told by our customer relationship manager ( CRM ) that it is fixed. 
2. Even though we had a verbal agreement stated by our customer relationship manager ( CRM ) of a 3.25 % interest rate, our loan terms stated 6.625 %. We believe that we were wrongly led into an agreement under false terms. 
3. I am concerned that our servicer, Ocwen, and lender, XXXX will decide later in the future that they have found an error and change the terms at their whim. XXXX.XXXX XXXX. There is nothing written in the loan terms that protects us, the borrower, from the unlawful and unethical practices of our servicer, Ocwen, and lender, XXXX. 
5. We are concerned that if we decide to sell our house or refi at a later date, that a written permission from our servicer is needed and they may have the right to deny a sale of our home. XXXX XXXX. There is nothing written in the loan terms that states there is no penalty if we so decide to pay off the loan in full before its maturity date, even though this was discussed with our CRM and she specifically stated that there is no penalty. 
We will attach the signed loan term documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lifted freeze on equifax and mortgage company still cant pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

To whom it may concern, I have been in dispute with American Express Serve for the last 8 months over a charge that they keep placing it in my dispute, I did not put that on the original form, " XXXX XXXX XXXX XXXX XXXX for {$10.00}. '' By them doing this they keep denying my dispute claim for the money that I lost over the XXXX season in XX/XX/2017. I sent this dispute to you before and due to my own negligence I did not notice the discrepancy in the total amount for the dispute charge. After going over my records again and going over my original dispute charge and looking at past emails I found where the issue had laid. The total amount was {$1800.00}, that I lost on XX/XX/XXXX. American Express says that it was {$1800.00}. That is incorrect because they keep adding {$10.00} from the XXXX charge, where I lost the card. I didn't understand the miscommunication that I was having with American Express, especially since I also put in a police report stating that my last transaction that I made was at XXXX XXXX XXXX. I also sent them a copy of the police report to help clarify the situation. Again they denied my claim.
Product: Debt collection

XXXX is not licensed and endorsed as a collection agency in WA state, is attempting to collect an amount beyond what they can document from the original creditor. No documentation or materials have been provided to me, subject to 809.b of the FDCPA. The response to my dispute letter should include validation of the debt before they attempt again to collect this debt.
Product: Student loan

I spoke to Aidvantage on the phone on XX/XX/2024 and XX/XX/2024 asking to be taken out of forbearance. They asked me upload a document to the upload center stating that I wanted this to happen. I did. It is not showing my uploaded documents on my account. I also emailed them on them on XX/XX/2024 stating I wanted to be taken off forbearance. They sent an email back on XX/XX/2024 saying I need to call the borrowers defense hotline to do so, which is false. I recently received a mail correspondence stating today ( XX/XX/2024 ) that the DOE requested that I should be put on administrative forbearance, which is not true. Again today, I uploaded a request to be taken off forbearance. I requested to not be placed on forbearance on my original borrowers defense request application. Therefore, they made this choice for me without my consent.
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit report and there are fraudulent accounts on my report and its hurting my ability to obtain credit and I need them removed