23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit card account with Capital One Bank USA N was paid in full and creditor did not delete late payment history as agreed
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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My concern is that Caliber Home Loans has allowed alot of time to go by to tell me that I do not qualify for a loan modification. I have been working with them for 2 years and just recently they advised that my Investor which is XXXX XXXX, will not allow me a loan modification. I dont understand why they would allow so much time to go by to say that when i could have been seeking other avenues. Now I am going to lose my home on XX/XX/18. Please help.
Product: Checking or savings account

I received a sum of {$35000.00} from my investment with XXXX XXXX XXXX XXXX, which appears on my Chase bank statement. After all transactions I made, both successful and unsuccessful, I had an available balance of {$30000.00} across my XXXX accounts : {$23000.00} in my Secure Banking account and {$7000.00} in my Total Checking account. On XX/XX/year>, Chase closed both accounts without prior notice. At the time of closure, Chase informed me they were investigating some transactions and would mail a check for my remaining balance once the investigation was complete. As of today, over a month later, I have not received any check for my {$30000.00} balance, nor have I received clear answers from Chase despite multiple attempts to resolve this. 

Additionally, I received a statement on the mail for my Total Checking account showing a XXXX check charge of {$7000.00} listed as a transaction. I did not authorize or initiate this transaction, and I have no record of such a check being issued or received. When I visited a Chase branch on XX/XX/year>, they claimed this {$7000.00} was the amount of a check sent to me last month. However, I have not received any check in the mail, and I have no record of such a transaction. This discrepancy is concerning, as it appears either the check was never sent, was sent to the wrong address, or the charge is incorrect. 

I have been trying to resolve this issue for over a month. I have called Chase customer service multiple times throughout XXXX and XX/XX/year> and visited a branch in person on XX/XX/year>. Each time, I am told only that they are investigating transactions on the account before they can release the funds, with no specific timeline or explanation provided. During my visit on XX/XX/year>, I was given no answers about how long this process will take or why it has been delayed. This lack of transparency and delay is causing me significant financial hardship, as I urgently need access to my {$30000.00} to cover my expenses
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. I am a victim of identity theft and I have included the identity theft report. Please remove these items from my credit report. 

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

Nationwide capital services , LLC XXXX  structured Settlement : Did not give me a copy of their state license number that gives them the right to collect in my state. So I look up there company on XXXX XXXX access. XXXXXXXX XXXX XXXX XXXXXXXX. They do not have a license to collect a debt in the state of Kentucky. 

Did not provide me with documentation that shows that I gave them permission to have my information, or documentation showing that I gave them authorization to report to my credit report. 

Did not give me the purchase agreement that grants them the authority to collect this debt. 

Did not receive a chain of custody for the account to ensure the financing and hand to hand transfer is correct.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach on All XXXX credit bureau
Product: Credit reporting or other personal consumer reports

My mom, them left Me some land and they had some loans on the land now that the mortgage has win IN XXXX closures. So they're trying to put the loan on my credit history that I did not XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company is conducting a credit background check for my employment. When attempting to do a credit check with TransUnion, they receive the error " Credit data suppressed. '' There is no freeze on my account, and TransUnion is unable to explain why the data is suppressed or remedy the situation. 

The 2 attempts at credit checks were made between XX/XX/XXXX and XXXX, XXXX. Both attempts resulted in the " Credit data suppressed '' error. 

I personally reached out to TransUnion via phone on XX/XX/XXXX. Despite repeated calls with multiple service agents, they were not able to fix the error on my account. 

Furthermore, I personally requested my credit report from the 3 credit bureaus. I was able to successfully receive my report online from all other bureaus but encountered an unspecified error with TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with KAY JEWELERS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called KAY JEWELERS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and KAY JEWELERS with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Mortgage

I received a letter from Goldman Sachs Mortgage Company stating that the company had purchased my mortgage loan from XXXX XXXX XXXXXXXX. The letter also stated that I needed to continue to make my mortgage loan payments to XXXX XXXX XXXXXXXX. 

I tried to make my XX/XX/year> mortgage payment and could not do so. 
XXXX  XXXX XXXX told me they no longer owned or serviced my mortgage loan and that Goldman Sachs is now the responsible owner of my mortgage loan.

I tried to call Goldman Sachs Mortgage Company but was not able to speak with any representative. No one was available who would help me with my mortgage payment issue. 

I have not made my mortgage loan payment because I do not know where or whom to make my mortgage payment. 

Goldman Sachs letter has wrong written instructions that I would continue to make my mortgage payment to XXXX XXXX XXXXXXXX. These instructions are incorrect and confusing.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if. ( 3 ) INFORMATION regarding inquiries, 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
Product: Consumer Loan

I BOUGHT A USED XXXX HYUNDAI SONATA SEDAN VIN NUMBER IS XXXX.FROM PLATINUM PREOWNED LLC, FINANCED THROUGH WELLS FARGO DEALER SERVICES ON XXXX/XXXX/XXXX, THE TEMPORARY REGISTRATION WAS DUE IN XXXX XXXX XXXX, ON THAT DATE THE PERMANENT REGISTRATION WAS NOT SENT TO PENNDOT THE DMV FOR PA, I WENT TO THE DEALER AND THE DEALER IS PLATINUM PREOWNED LLC, XXXX XXXX XXXX XXXX XXXX, PA.THEY CALLED WELLS FARGO DEALER SERVICES. MY ACCOUNT MANAGER SAID THEY HAD YET TO SEND THE TITLE TO THE DMV, I SHOULD DRIVE THE CAR IT IS STILL LEGAL, I CALLED THE DMV MYSELF AND THEY RAN MY VIN NUMBER THROUGH THE SYSTEM AND SAID THE VIN IS NOT IN THE SYSTEM BECAUSE THEY HAVE NOT GOTTEN THE TITLE FROM WELLS FARGO DEALER SERVICES, I AM A TRUCK DRIVER AND I ASKED PENNDOT THE DMV IF IT IS LEGAL TO DRIVE THE CAR THEY SAID NO, IT IS NOT REGISTERED. IF I DO THAT MY LICENSE WILL BE SUSPENDED. SINCE XXXX I HAVE BEEN MAKING MY MONTHLY PAYMENTS TILL TODAY AND I HAVE NOT BEEN ABLE TO DRIVE THE CAR FROM XXXX XXXX XXXX TILL XXXX XXXX, I HAVE CALLED THE SAME THING THEY SAY THEY ARE SORRY AND STILL THERE IS NOTHING THEY COULD DO AND I TOLD THEM THAT OK IF THIS IS WHAT IS GOING ON, WHY AM I PAYING FOR WHAT I CA N'T USE? AND IT IS NOT MY FAULT BUT THEIR FAULT FOR NOT SENDING THE TITLE TO THE DMV ( DEPARTMENT OF MOTOR VEHICLE )?. THEY SAID THEY WANTED TO CHANGE THE NAME ON THE TITLE TO MINE AND THEIRS TO REFLECT THEY ARE THE FINANCIER, AND I ASKED THEM IF THEY HAVE BEEN TRYING TO DO THAT SINCE XXXX AND WHEN MY TEMPORARY REGISTRATION IS DUE IN XXXX, AND I HAVE BEEN MAKING PAYMENTS EVEN WHEN I COULD NOT DRIVE THIS CAR SINCE XXXX AND I COMPLAINED AND TOLD THEM I AM NOT ABLE TO GET TO WORK THAT IS MY MEAN OF TRANSPORTATION AND AM STILL PAYING OUT OT POCKET TO FIND FRIENDS TO TRANSPORT ME TO WORK WHICH IS LIKE XXXX MILES BOTH WAYS. THEY WILL TELL ME THEY WILL MAKE A NOTE AND THEY STILL CHARGEED ME LATE FEES WHICH I PAID. I CALLED AND SPOKE TO XXXX IN TITLE DEPARTMENT, XXXX, XXXX THEY ALL TOLD ME THERE IS NOTHING THEY CAN DO, THEY ASKED ME TO CALL XXXX XXXX, I CALLED AND I SPOKE TO XXXX AND SHE SAID WILL SEND OUT AND EMAIL AND CALL ME BACK, SHE NEVER CALLED ME BACK NO ONE CALLED ME BACK. WELLS FARGO DEALER SERVICES CALLED THE DEALER I BOUGHT THE CAR FROM AND ASKED THEM TO COME AND REPO THE CAR FROM ME THAT I DID N'T MAKE PAYMENTS. WELL FARGO DEALER SERVICES SENT THE TITLE TO THE DEALER FROM THEIR NEW YORK OFFICE AND THE DEALER GOT THE TITLE ON XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

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

This company is trying to collect {$1900.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Checking or savings account

I have navy federal and I have overdraft protection and they keep adding a lot of fee
Product: Bank account or service

I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX XXXXXXXX. My brother in law WITHDREW the claim. On XX/XX/06 XXXX XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is double dipping and holding on to other funds of mine all while getting the money back from XXXX XXXX XXXXXXXX. I am attaching the complete paper trail showing that XXXX XXXX XXXX shows the claim as WITHDRAWN, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here.
Product: Credit reporting or other personal consumer reports

I have been contacting all three credit bureaus since the year XXXX Regarding This account and all the inaccuracies they have been reporting since I have noticed since XXXX. I have disputed this account several times with all three credit bureaus and XXXX XXXX. I have requested debt validation, and I have never received that, I have requested a 1099C and notified them I have never received a 1099C. This account has been removed but also Violated the FRCA because I was not notified when it was reinstated. Over the years they have removed some of the inaccurate things but, continue to report inaccurate information. Some companies are reporting repeated charge-offs and repeated repossession. Each company always replies back to my disputes that, the account has been verified, and clearing it has not been verified, if they are reporting repeated charge-offs and repeated repossession on this account. They have not sought to get a 1099C from the company that is reporting the charge-offs.

I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to my creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information. 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes. 15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA. 26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices. 26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law in my rights as a consumer.
Product: Credit card or prepaid card

I requested from Greenlight a card which is supposed to help children learn how to manage their own money by providing them with their own debit card. 

The marketing site said the fee applied to premium services like a customized photograph, which we didnt need. 

We did need to link to a bank account to find the account. 

However, I was charged multiple times a fee for {$4.00}, including after I requested a cancellation ( and I ate the initially but unexpected {$4.00} and notched it up to possible user error. ) I have subsequently requested a full refund of all fees, but have yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to TransUnion that I have been a victim of identity theft & they are reporting accounts that are not mine. I have sent in the requested documents that they have requested several times ( social security card, Drivers Licensce, police report & identity theft report ) After submitting this information they continue to report these fraud accounts. I am asking again to delete these fraud accounts XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX XXXX, XXXX? XXXX. The address XXXX XXXX & XXXX XXXX XXXX I have never lived there & explained that too they say they will review but it remains on my report. I have been in several breeches ( XXXX XXXX XXXX ) & my information has been used fradugently. I never applied for anything with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.
Product: Debt collection

I told the company I am on XXXX I dont have the money right now and I would like them to take it off my credit
Product: Debt collection

I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.