23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Two years ago another collection company tried to a debt from XXXX XXXX XXXX XXXX. 
I had no knowledge of this debt so I requested validation. They were unable to validate the debt and prove it to be mine. They removed the reporting in the entirely. The debl alleged went back to XXXX so Statute of limitation would have expired. 

Now it appears that this debt was sold to Simm Associates who has illegally aged the debt to XX/XX/XXXX. They too have failed to validate the debt has not removed the reporting to XXXX  and XXXX.
Product: Credit card or prepaid card

Capital One has closed the account claiming : We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. ( see letter attached ) The activity on the account is not in violation, and payment history is perfect on the account as reflected by Capital one on all of my credit reports. Self creating a reason to close this account that is current and in good standing and in no way in violation of their own terms is discriminatory and has had a adverse effect on my credit and my co-users credit. This is a unfair practice by capital one who originally offered this card to me as a way to rebuild credit. After denying me a Car loan after providing me a pre-approval, after accepting another car loan from a different source, all of a sudden, now Capital one has closed my Credit Card account. I believe this is retaliation. I request that Capital one disclose the exact reason for closing this account and actually spell out the violation, or re-open this account, as I said I have made no violations of our agreement, Captial one is the party in violation.
Product: Mortgage

Chase Bank gave me a Qualified Mortgage that has a balloon payment, is longer than a 30-year-term and negative amortization ( my mortgage just jumped {$1300.00} last month due to their negative amortization practices on the loan ). 

ALL these " risky loan features '' are illegal and not permitted : https : XXXX
Product: Vehicle loan or lease

I purchase my car from US auto sales XXXX XXXX and was financed through a company called XXXX. A month later I get a email stating that US Auto and XXXX was no longer my finance company and it was transfer to Westlake Portfolio but no paperwork was signed or anything with this company and now US Auto Sales is in a class action lawsuit.
Product: Debt collection

I have been receiving multiple phone calls and paper mail from a company called Portfolio Recovery Associates. 
They claim that I own money on a account that I have no knowledge of. They never provided me any information, indicating that this debt is indeed mine. The call me all the time, and at times leave me voice mails. 
I have made attempts to speak to one of the representatives on the phone.However at times they hang before I can even say a word to them. Then when I try to call back its as if the number used to call me is not working. 
I have recently checked my credit and noticed that, the debt in question of {$2800.00} has appeared on my credit report. This debt needs to be removed as soon as possible as it does not belong to me.
Product: Debt collection

This debt collector claims I owe them an arreas of $ 3500+ Which in fact I have no knowledge or ever making an agreement with this business. This company constantly, calls me and leaves voice messages, send me emails, mail letters and just today they came over to my property and left an envelope with a document. This harrasment needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX FI XX/XX/2020
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 : # XXXXXXXX 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, 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 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report TO EQUIFAX pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  # XXXX 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

My business uses Square ( owned and operated by Block , Inc. ) to process credit card and online sales. In XX/XX/year>, Square wrongfully froze he finds in our accounts, which came from customer transactions processed via Square. Square requested compliance information from my company, which we immediately provided. Square promised a response within 2 business days. Despite this, Square held my company 's funds for more than one month, without explanation and without further communication. I sent multiple emails and used the support chat function, and received no response or explanation from Square. This appears to be a standard business practice for Square, and is a violation of its terms of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.
Product: Debt collection

I and my family members have been getting calls for several months now from very aggressive people, one male and one female, saying that I owe money on a Best Buy credit card. Its a card that I haven't had for over 10 years now. We have since gone through the bankruptcy process and paid back everything we owed. They keep threatening to serve papers to my place of employment but then ask me to provide my employment information to them. My wife got into a very heating argument with the male and explained that our debts are paid in full through the bankruptcy. He was yelling at her and being very irrational. Now they have upped their tactics and are calling from a Private Number but still giving the same story. The number is XXXX.
Product: Credit reporting or other personal consumer reports

Since the year XXXX I have been a victim of identity theft as a result tp credit reporting date agency breach such as Equifax, the XXXX XXXX  and personal information being mailed to incorrect addresses and emails that weren't occupied by me or associated with me. There has been attempts to open credit cards, auto loans, banks, unknown bank acount activity and inquiries i did not consent or legally authorized. I have been desperately trying and fighting to have these items disputed and removed to now avail. 

Such As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX  {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reporting false and late payments after vehicle has been fully paid off.
Product: Credit reporting or other personal consumer reports

According to my XXXX, XXXX, and my XXXX account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.
Product: Credit card or prepaid card

Issue : Overpaid my Wells Fargo ( 'WFC '' ) credit card payment on XX/XX/XXXX with assets from a Wells Fargo Account . Called customer service on XX/XX/XXXX and asked for the monies to be returned. I was told it could take up to 30-days and a check may be mailed. I see no reason that the funds, which where collected and paid from WFC account can not be credited immediately back to the account where the monies came from, a WFC checking account. I spoke with Customer Service Manager named XXXX. This is bad behavior, dishonest, not ethical, and abusive of power, not logical and in my opinion criminal. 

Consumer 's honest oversight ... .I had a XXXX payment due ... ..which I paid on-line on XX/XX/XXXX. In an effort to ensure my payment history is perfect, as I did not recall making the payment and knowing I owed about {$70.00}, I went on my phone and made what I thought was a {$70.00} payment but was actually a scribers error and was a {$700.00} payment. This resulted in a {$700.00} credit balance. 
It is unreasonable to take 30-days to return the monies, it is bad behavior to not act immediately, it is fraud not to return the monies immediately. XXXX, the supervisor, indicated that the monies would be held up to 30-days " because we can ''. This is an egregious attitude from a Bank that apparently has not learned its lessons on how to behave like a Bank. It 's no wonder they have set XXXX XXXX  aside for legal fees and promised in their XXXX that the number will be increasing to defending their unethical business behavior. So my financial reputation and ability to make my payments on other accounts is in jeopardy because the BIG BANK needs 30-days to research payment activity from accounts maintained at WFC and credit back the {$700.00} overpayment. Scandalous! 

WFC 's " marketing campaign '' to attempt to improve your image does not help when your employees are unable or unwilling to do the right thing. I was offered to spend additional time talking to a second supervisor ... .really ... how about WFC empower their employees to use common sense ... .unfortunately you ca n't regulate good behavior when you have dishonesty and bad behavior that get rewarded from WFC 's core management ... which is where it is learned ... .Keep investigating there is plenty of issues at WFC including thievery , thru an unauthorized loan of my assets to them, as referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Ive reached out to transuion several times to have these collection accounts removed because theyre not mine. They removed and added back. Accounts follows as XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX associates. Also requested information regarding these accounts no response. Just added back to my credit report and shows as an open account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the equifax data brech and may have gotten into the hands of the wrong person
Product: Mortgage

I am a XXXX year old widow who was mislead and convinced Ineeded a home equity loan by Washington Mutual Bank inXXXX of XXXX. From that point until XXXX XXXX when Chasemodified loan. Approximately forty percent of my monthlyincome was being spent to satisfy loan. Then Chase reducedmy interest rate and escrowed my taxes and insuranceinto XXXX payment making my payments easier. HoweverI discovered that for from XXXX XXXX until week XXXX XXXX Chase had not applied any of my monthly paymentstoward principal. Balance stayed same for seven years. 
I read and reread loan agreement many times and had mychildren examine loan documents. The original loan and nowmodified loan is not interest only agreement! Its principalinterest and escrow. I have many documents supportingmy case of mortgage fraud against Washington Mutualand now continuing fraud by Chase. By Chase not applying mypayments to principal it increases my interest rate much higher thanwhat was written in instrument of mortgage. That 's mortgage fraud! In ten yearsof making payments of approximately XXXX dollars my principalbalance is XXXX. Again I have maybe XXXX documents proving this fraud. 
When I contact Chase and make inquires regarding this fraud they justhang up the phone or place me on hold for hours. Last week alone XXXX hoursphone. Total time in eight weeks more than XXXX hours. Everyday a differentanswer. I have also gone in person to many Chase banks to have employeesclaim they have no access to information regarding loan. I have proof by chasesown letters of fraud. From monthly statements to original loan document. 
This is my last effort before I file a lawsuit against Chase for mortgage fraud. 
Any assistance you could provide would be helpful because cost of anattorney maybe too high? Again I have documented proof of mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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. 

1. XXXXXXXX XXXX  account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX  account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

Commonwealth financial The amount is {$740.00} The balance date is dated XXXX the XXXX of 2022.
Product: Checking or savings account

Dear CFPB officer I am writing to express my deep concerns regarding a significant issue with HSBC US Bank and to request your assistance and intervention. In XX/XX/2023, I opened a checking and savings account with HSBC US, which I have been using for normal financial activities. However, recently, I received a letter dated XX/XX/2023, from HSBC US Bank, informing me that my account will be closed after XX/XX/XXXX, with no explanation or reasons provided. 

I am extremely puzzled and dissatisfied with this abrupt decision. I have been consistently following HSBC US Bank 's policies and regulations in the use of my account, and no violations have occurred. My account is an integral part of my regular financial life, primarily used for investments through platforms like Interactive Brokers and XXXX XXXX. I have always complied with relevant regulations and maintained sufficient funds in the account. Therefore, I find it highly perplexing and inconvenient that HSBC US Bank has decided to close my account suddenly.

I request the CFPB to investigate this matter to ensure that my rights are not infringed upon. I hope HSBC US Bank will reconsider their decision to close my account, as it will cause significant disruption to my normal financial and investment activities. If there are any concerns about my account activity or usage, I am willing to cooperate by providing any necessary information and explanations. 

I kindly ask the CFPB to promptly intervene and investigate this matter to ensure the protection of my legitimate rights. I greatly appreciate your assistance and attention and look forward to a swift resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Checking or savings account

Capital One has been having " technical difficulties '' since Wednesday and have not made my direct deposit available to me since then. HOWEVER they never sent out any communication or anything to customers. We had to find out by wondering for hours why our deposits hadn't come in and then calling, waiting on the phone eternally, and then be told by a rude representative that they were working on it but had no idea when it'd be resolved. It wasn't until Thursday around XXXX EST, claiming that it'd be resolved by morning. It is now Friday morning and still no direct deposit. My bills are late, my kids have no groceries. It is a mess. And they still have no resolution and not even answering anymore when you call, or automated system hangs up, or if you're lucky enough to get a rep on the line, AFTER HOURS OF WAITING, they have an attitude. There's still no answer and no say of when our direct deposits will be made available to us and most of us NEED that money to literally pay bills and get through the week. We are also heading into a holiday weekend, with still no real response from Capital One, which means our deposits possibly being further delayed and severely impacting our day to day and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request for XXXX XXXX was voluntarily dismissed, and I received a full refund of all retainer/filing fees.