23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For years, I had a Capital One 360 XXXX XXXX account which promised a market-competitive interest rate. Like many others, I was deceived by Capital One, and only belatedly discovered it has introduced a higher-rate account, called a 360 XXXX XXXX account. When I leaned I was being cheated of the higher rate of interest on XXXX XX/XX/year>, I started a new 360 XXXX XXXX  account and moved all the funds previously in the Capital One 360 XXXX XXXX  account to it. 

I understand that the CFPB previously had a lawsuit filed against Capital One for this deceit, but the suit was dropped due to the corrupt influence of politicians. Since I am filing a new complaint, please reinstate the lawsuit. I am entitled to lost interest that due to the deceit of Capital One. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Apartment company is claiming false property damage done to apartments in order to collect money via withholding from rental deposits or billing the tenants. We have video proof showing no damage was done but the property management company subsequently turned in a claim to a property management collection agency who is now harassing us. Note, this property is for housing primarily for XXXX XXXX University students and they are trying to falsely charge the student and parents hoping they will blindly pay.

I requested all of the following information be provided to me by mail and I did not receive it : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Iowa.

Because they have reported this debt to credit bureaus and continued to harass me, continuing to pursue this false debt they are in violation of the Fair Debt Collection Practices Act. 

Attached are the notifications requesting they cease from harassing me for a false claim as well as a link to the video of the undamaged property, XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to this company and credit bureaus to inform them all know that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, XXXX  and experian reports. Also I have a derogatory mark from enchanced on behalf of sprint which shouldn't be on there as that was settled at sprint store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.
Product: Checking or savings account

On XX/XX/XXXX beginning at XXXXXXXX XXXX PST I received emails from USAA confirming I had been added to a personal profile as a member 's child ( I am neither a child nor a member of the XXXX XXXX ). They then were able to create a checking and savings account in my name, update the account preferences, and link an external account to the new accounts. I received nine consecutive emails from USAA about the creation and modification of the accounts, the final email that evening from USAA was received at XXXX XXXX 
On XX/XX/XXXX at XXXXXXXX XXXX PST I called USAA using the number on their website and spoke with a representative named XXXX about the emails I received, he was understanding and helpful. He took down my information and details about the incident and confirmed USAA 's fraud team would reach out to me later today ( XX/XX/XXXX ). 
As of XXXXXXXX XXXX on XX/XX/XXXX I have received no further communication from USAA. While I am confident that I will receive some form of follow up I am concerned about how an individual was able to open accounts in my name, using my email address ( which has not been compromised ), with no verification.
Product: Checking or savings account

Dear Consumer Finance Protection Bureau, On XXXX XXXX, my wallet, cell phone, and drivers license were stolen and the thief madeseveral fraudulentpurchases using both my debit card and credit card from Wells Fargo. While Wells Fargo was willing to immediately cancel the charges on my credit card, they have yet to correct the fraudulentpurchase on my debit card for $ XXXX.After one round of investigation they have claimed that this instance was not fraudulent and are unwilling to provide answers or further research despite numerous requests. I have provided a police report, receipts for a new drivers license and cell phone, phone tracking information, a call log, and a detailed minute-by-minute report of the event, but am still being turned down. 

Attached please find a detailed report that includes a timeline of the events, including phone calls, purchases, website activities, screenshots, police report, and unsuccessful conversations with Wells Fargo. As you can see, I have contacted Wells Fargo at least fifteen times and every time they tell me that my case needs to go to another department and they will get back to me in ten days. In two months of constant phone calls and questioning, they have only called me back with new information twice.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation to both bureaus XXXX  and Experian regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of transunion has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Product: Debt collection

I XXXX XXXX XXXX want to file a complaint against XXXX.I am requesting validation that is competent evidence bearing my signature. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this XXXX  they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate.AARGON COLLECTION AGENCY
Product: Credit reporting or other personal consumer reports

Bankruptcy courts states they do not report or give out any personal information regarding cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DP OF EDUC 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
Product: Debt collection

I am writing to dispute a collections account on my credit report. The account is under NCC Business Services with original creditor being XXXX XXXX XXXX. 
This item is inaccurate because we did not receive an itemized statement of deductions and receipt from vendors within 21 days ( CA Civil Code 1950.5 ). The leasing agency issued us the necessary documents on XX/XX/2018 via USPS mail then immediately sent us to collections the next day ( XX/XX/2018 ). I am not disputing the amount owed, as once we received the itemized statement, we agreed and just recently paid the bill in full, but I am disputing the collections agency reporting. I have called both NCC Business services and filed disputes with all 3 credit bureaus with no success. I am attaching email documentation that shows the original leasing company did not send the itemized statement to the correct address as we provided upon move out. I am also attaching the dispute letters I sent to the 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Consumer Loan

My auto was wrecked in XXXX/XXXX/2016 a total loss my insurance adjuster totaled the auto on XXXX/XXXX/2016 cut a check for the amount figured for the auto..I contacted my GAP insurance and filed a claim the day I was informed my auto was totaled.. when I checked on the status of the GAP claim I was told the dealership had coded the auto as a repossession instead of a loss and to inform them to contact the office and submit corrected coding info..The dealership apologized for the error and submitted the correction. I then checked the status of the dealership and was informed the check was stopped and another check was being issued to my lien holder Chase Bank. I asked was there anything else needed of me and was told no. I asked if I could get a copy of the check that was issued to Chase and it was forwarded to me. I checked my credit and to my surprise the loan was on my credit report I then contacted Chase and was spoken to rudely and asked for a manager which I was not forwarded to I then went to an actual Chase bank being that their headquarters is not located in the city of which I reside the banker I spoke with listened and phoned the executive offices then I was told that the dealership did not code for reinstatement of my GAP insurance. I then asked Chase why had n't anyone contacted me regarding this? I was then told by Chase I needed to get in touch with the dealership and have them correct the error of reinstatement I personally drove to the dealership and spoke with the administrative person whom had handled the paperwork and was told when the error of repossession code was corrected to total loss they 'd reinstate the policy. I informed her Chase had put the auto balance on my credit she wrote a letter explaining the discrepancy and error and contacted GAP to reinstate the policy. It 's now XX/XX/2016.. I spoke with a rep. within the executive offices of Chase and she asked if I could contact GAP and have them overnight the check ..I contacted GAP and was told the file is on the Boards desk awaiting approval..I spoke with GAP on XXXX/XXXX/2016 the Board finalized the claim on XXXX/XXXX/2016 and the check was submitted ... and Chase Put the charge off on my credit ... .and wo n't release it they 've been paid {$24000.00} ... but wo n't release the charge off
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address : XXXX XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Debt collection

I paid online {$160.00} through my insurance the bill as soon as it appeared on my account on XX/XX/2021. 
I received the XXXX XXXX  statement the day after to be paid on XX/XX/2021. 
Since XX/XX/2021 XXXX contracted debt collector XXXX and then another one Receivable Management group claimed the same invoice. 
We paid once more and finally received the cancellation of {$160.00} on XX/XX/2021. 
This is an unacceptable harassment and that is why I am escalating to you this case.
Product: Debt collection

OCWEN LOAN SERVICING and XXXX XXXX XXXX are foreclosing on my property 1. the case is still active in the appeals court awaiting response 2. there is a hearing on XX/XX/2019 in state court and XXXX is foreclosing on XX/XX/XXXX 3. OCWEN BECOMES PHH in XX/XX/2019 While WE WERE IN litigation 4. statements of offer to pay are coming from PHH  5. PHH would not tell me who they are THEY ONLY WANT TO CONSPIRE TO TAKE MY PROPERTY. 
4. PHH/OCWEN would not respond to any offer of settlement.

5. PHH/OCWEN would not offer any modification or any type of settlement so me and my family can stay in our home.
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 XXXX XXXX with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX  XXXX  account. On my XXXX credit report for the year of 2020 it shows XXXX  as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as N/A, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX  report but on XXXX it shows current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open credit card account with XXXX XXXX XXXX which was opened in XXXX of XXXX. Since that time I 've made payments on time for 11 months straight. In XXXX of this year XXXX I was late a little over 30 days due to losing my job. I made the payment. In fact I did a double payment. XXXX XXXX  reported me as being late 30 days to Experian. Experian in turn because of me being late one time knocked my credit score down by100 points and put my account into negative status and there saying it 's going to stay in negative status until XXXX even though I 've only missed one payment in a year. This does n't make sense to me? I would maybe like 5 or 10 points or something, but 100 that 's just wrong. Because of this they have ruined my credit! How can one 's score be knocked down a 100 points for being late on time in a year? This is not right. 

I 've also asked to remove an account XXXX XXXX XXXX that was scheduled to only remain on my account until XXXX of XXXX according to past credit reports but has been mysteriously bumped up a year to stay on my credit report until XXXX XXXX now? I 've reported the problem but Experian refuse to fix the problem and revisit it even though I just disputed it. They refused to take the dispute. How is it that they can get away with this?
Product: Credit reporting or other personal consumer reports

In accordance with the F Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of the information. Any other adverse item of information, other than records of convictions of crimes which anteater the report by more than XXXX years. 


15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any into 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: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to do a proper investigation on records that they have incorrect on my credit file. I have reached out to the courts and the courts stated they don't report to any credit bureaus or any 3rd party agencies. The information that Experian is reporting and refusing to remove or investigate is incorrect, and Experian refuses to send me any documents of their investigation.
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. 

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 : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, XXXX, and Transunion. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Product: Mortgage

I am on title and the beneficiary of property that has a reverse mortgage balance of {$420000.00}. The property was put on the multiple listing a week ago for sale for {$750000.00} and I have offers for {$680000.00}. PHH Reverse Mortgage has rushed to foreclose not GIVING me time to close a normal escrow. I asked a for a 30-day postponement. The borrower XXXX XXXX passed XX/XX/XXXX, PHH Reverse had a repayment agreement of {$530.00} a month that we were paying for 2 years to pay back taxes on the property that XXXX had missed, and on XX/XX/XXXX PHH Reverse cashed {$7500.00} THAT I sent them to cure the defaulted balance owed. They set an auction sale date for XX/XX/XXXX and claim they do not have to give me the beneficiary time to sell. After I have paid out {$30000.00} in property taxes and homeowners insurance on the property. I was the caretaker for XXXX XXXX and was authorized for 2.5 years to speak to PHH Reverse make payments and care for XXXX and the property. PHH Reverse is rushing to foreclosure, the property was not in default, I paid all that was deficient and XXXX & XXXX property taxes and home insurance. Seeking a short-term sale postponement.
Product: Debt collection

A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Product: Credit card or prepaid card

PHONE # on card not working, the statement in XXXX i never got, so they were not going to chg interest, the XXXX statement i got they chg interest for the XXXX billing. so i going to tk off XXXX i believe from the bill, and for them to get a working # so i can call them. 

i on the nx page its jcp but its not XXXX XXXX its symbony bank