23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the disputes I have previously submitted regarding several negative items listed on my XXXX credit report. Despite my previous attempts to address these issues, the inaccuracies and invalidities remain unresolved. I am requesting immediate action to correct these errors.
Product: Debt collection

Hello, I was harassed everyday by this company. They have bad reviews on the XXXX and their rating is a 1.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 
This was breached!! 

I was harassed day and night by this creditor 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was violated!!! I was stressed out and scared of what they would do to me in court and too my credit! 

This debt was paid already to which i am not legally obligated to this debt. They bought the loan from Avant which means the debt was paid for. 
This a violation of Title 15 USC!!

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 This was violated!!!

The law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend on pursuing litigation in this matter suing XXXXXXXX XXXX XXXX for actual damages sustained. 

I am the consumer which means if these laws are violated that is {$1000.00} per violation which equals {$5000.00}.
Product: Debt collection

My credit report shows I owe XXXX {$230.00}. I have never had a XXXX account in my name. Please provide me with a service agreement for XXXX services signed by me. If a service agreement signed by me can not be produced, please remove this collection from my credit report.
Product: Mortgage

I have been in communication with my lender, LOANCARE regarding options to avoid foreclosure. I submitted documents to be review for loss mitigation. On Friday XX/XX/2018, I was informed that the lender had denied my application because they felt I could not afford my mortgage payment, I asked a representative if I can appeal the denial because I do in fact make more than enough to resume making my mortgage payments again. I was informed by the representative on behalf of LOANCARE that the letter was generated on Friday XX/XX/2018 and mailed to me and that due to that, the sale has been activated for tomorrow XX/XX/2018 and they intend to move forward with the sale without giving me the opportunity to appeal it. My application was denied on Friday, Monday was a holiday ( XXXX XXXX ) and today is now Tuesday, which has left me with one business day to figure out my options, how is this fair? My Homeowner Bill of Rights have been violated, I was refused the right to appeal well within the means of the denial and I was never assigned a designated point of contact with LOANCARE.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.
Product: Checking or savings account

Related to the CFPB action against Capital One marketing of XXXX Savings and XXXX Performance Savings, which I just read about in the news, I wanted to let you know this impacted more than just new customers and existing customers who might want to upgrade. It impacted customers CapitalOne acquired through corporate buyouts- probably more than the rest. 

When CapitalOne purchased XXXX, I was an existing customer of INGDirects high interest savings account, which had a high interest rate, inline with the Performance XXXX Savings rates CapitalOne advertises today, CapitalOne converted the XXXX accounts into XXXX of their accounts following that acquisition of XXXX. I had thousands of dollars in that savings account. When it was converted, nothing else changed about it. In fact, I remember receiving emails about the transition telling me nothing would change, no action required, theyre making it easy for me, etc. Routing number and account number were the same, etc. It was seamless, so I didnt pay attention to it. I did not receive any notification of the interest rate changes during this time. I went in sometime after ( years later, I think ) and noticed the interest I had been getting was much lower than it was under XXXX, so I moved the money out of the account to another institution. I had lost years of interest on many thousands of dollars though. 

When they had a high performance XXXX account with competitive rates, why didnt they migrate the legacy INGDirect customers to the better account automatically?
Product: Credit reporting or other personal consumer reports

please investigate all inquiries most are not authorized by me with my signature
Product: Debt collection

LVNV FUNDING is reporting several inaccuracies on my credit report and failed in the past to provide requested documents verifying the validity of their collections.

On this particular account, they are listing a debt for {$550.00}, saying the account was opened on XX/XX/2022. That is blatantly false ; I have been fighting this company for years over this account. I am nearing the statute of limitations for debt collection in my state and they are fraudulently reporting the age of this account.

They are also listing this account as being " open. '' It is illegal and a violation of my rights to have an account with an open balance to be in collections, thus indicating immediate removal.

In the past, this company only provides me with scanty verification on this debt and failed to provide me the information that was used to validate the account, proof of ownership of the account, verification of creditor, the last XXXX years of payment history on the account, and a copy of the original agreement with my signature. 
It is well within my rights to have requested this, and a violation of said rights under the FDCPA that they provided to do so. Generic verification was all I ever received. 
My last name at the time this issue began was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX  off my credit report I filed the same thing wit XXXX  and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all
Product: Credit reporting or other personal consumer reports

Recently checking my consumer report I noticed that I've been a victim of identity theft and found a credit inquiry that I have no knowledge of listed under : XXXX XXXX XX/XX/2025. I recently disputed this item and recieved no alerts in the companies portal that alerted me a dispute was open so I'm readdressing the problem its been almost 30 days with no update. Please remove this fraudulent item. You will also find my identity theft report this scenario is hindering my financial standing...
Product: Mortgage

My loan was sold form XXXX XXXX to Fay Servicing in XX/XX/XXXX. I began trying to work with them right away. My loan was behind when they purchased it. My dad is elderly and although the loan is in his name both our names are on the deed. We provided a notarized letter stating that he wanted me to be the person to handle this account it took from XXXX to XXXX XXXX time from to get added to the account to discuss anything. My father even called in with his tax lady to request some information for a tax audit. She initially asked me to get the information but because I couldn't even get added to the account until 6-9 months later I wasnt able to do it. Even after they said they would send out the data it was months before they actually sent it. We had to make threats in order to get any action.. Fast forward I finally am accepted into the loss mitigation program and they come back in XXXX with an offer. We felt it was to steep. but our account representative said we could appeal. It was also stated on the document that outlines the offer.. I sent in an appeal notice, they said it takes 30 days to receive an answer. I finally got a response to the appeal and they said the terms would be the same. In the letter it said I have 14 calendar days from the date on the letter to let them know how I wish to proceed, meaning if I would take the original offer. In addition to that the representative told me that after the appeal I could take the original offer. While I sent in my response to them with in the 14 day period they sent me a letter to say I defaulted on my loan agreement. I said I was appealing the matter and no one said that while appealing you must make the payments on the arrangement offered until otherwise notified. They sent this latter to my bankruptcy attorney and me saying I defaulted.on it. I did not default I appealed it and during the appeal process in any situation things stop until a decision is rendered. If that was an requirement that should have been explained. However even in all this time when I received correspondence stating that I was in the loss mitigation program their lawyers kept telling my attorney that they new nothing of it. and they were petitioning to have the automatic stay lifted.. In addition to that it wasn't a modification the payment went up from XXXX a month to XXXX a month. My dad is retired and his income does not support that. They said it stood. I have had about 10 account reps. They ask for something I send it over and then I wait then follow up only to find out that person isn't my representative. They also said they are not tied to XXXX XXXX but I feel they are they use the same attorney and a few other things that I felt indicated a tie to XXXX XXXX. The lack of communication, information, and accessibility are all designed to keep us from keeping our home. They made me feel they were trying to aid me in keeping my home but they haven't. I spoke to a manager yesterday and he assured he would find out my options and call me back and he hasn't. This is the customer support given here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. 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 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. I am referring to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors, NAVY FCU - ACCT # XXXX  have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Credit card

On XX/XX/XXXX, I applied for and became an American Express Gold Card member. I specifically chose this card because of the advertised sign-up offer of XXXX points if I spent {$6000.00} within the first 6 months. Additionally, the cards ability to earn rewards for food and dining out was a significant factor in my decision. 

Recently, I reviewed my account and realized that the sign-up offer had not been applied. On XX/XX/XXXX, I contacted American Express support through their chat feature to inquire about the missing rewards. In the communication ( attached ), I asked why the offer had not been applied, and I was informed that I didnt qualify for the offer. However, when I requested further details or an explanation, the support representative was unable to provide any specific reasons. 

Based on how the offer was advertised, I firmly believe that I met all the requirements for the XXXX sign-up bonus. Therefore, I am requesting that American Express honor the original sign-up offer and credit my account with the XXXX points.
Product: Credit card or prepaid card

I recently called Capital One to find out if any of my three accounts were part of the security breach. I have had accounts with them for 19 years. One with a {$6500.00} credit line, another with a $ XXXX credit line, and another with a $ XXXX credit line. 

The rep I spoke to said he couldn't tell me if my accounts were breached although they claim they monitor accounts 24/7. He stated they would notify me by mail which isn't acceptable. This is something a customer needs to know immediately if they actually have access to this information as stated, monitoring

 24/7. To date, I have still not received a notification stating whether any of my accounts were breached.

Because of their lack of cooperation, I told the representative that I wanted to close my three accounts. He repeatedly tried to talk me out of closing them, stating they do everything to protect customer accounts and customer privacy. The whole conversation sounded scripted and it is doubtful that he even gave me his real name ; he provided initials. I would argue that a XXXX XXXX account data breach is a complete failure on Capital One 's account, and I no longer feel safe having open and active Capital One lines of credit. Not only was my account information possibly compromised, but also my linked checking account information. Because of Capital One 's ineptitude, I have needed to place additional security measures on my banking account and log on repeatedly during the day to make sure money has not been stolen out of our account. We have a significant balance in our checking and our linked savings accounts, so we take this matter quite seriously.
Product: Credit card

This card is being reported on my credit report. I have never applied to this company for a credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX XXXX am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Debt collection

This company is violating my rights they have not provided information Under 12 CFR 1006.34 ( b ) ( XXXX ) yet they have placed a collection on my consumer report. I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed they either pay me or delete these accounts ASAP
Product: Money transfer, virtual currency, or money service

In response to previous CFPB complaint XXXX, Paypal refused to provided the basic relief requested unless I contacted the executive escalation office. A representative called twice the day the response was sent to CFPB. The first time no message was left. The 2nd the caller stated in voicemail that Paypal would follow up in writing. Paypal never provided me their response. In initially reviewing the response on the CFPB sie, the email address they required me to contact them through was cut off. I did not realize that a pdf of the entire response ( which, again, was never sent to me ) was attached. Upon locating the email address I have attempted multiple times to contact Paypal as they directed. They have not responded. It appears their previous response was not made in good faith and they do not seem to have any intention of doing what they should have to begin with. Multiple attempts to call back the number used by the executive escalation office funnels to the main " customer service '' center. Not that they provide any service And representatives there repeatedly and hostilely claim to be unable to put me in contact in any way with the executive office. Similar responses were received attempting to use social media to get the communication promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my Consumer Report
Product: Credit card

XXXX credit cards were opened without my consent these accounts are fraudulent I never applied for a credit card with Indigo or milestone credit cards, have these accounts closed and removed from my credit file,
Product: Debt collection

I moved from XXXX  to XXXX  in XXXX, XXXX. I closed my account with XXXX on XX/XX/XXXX and paid my final balance in XX/XX/XXXX. 
I, in XXXX just had a company, without ever contacting me or providing me the opportunity to dispute this or get verification of this, added this to my credit and refused to provide proof that I in fact owe this. 

XXXX alleges that this is an accurate bill even when they wont provide me the information It has been almost 7 years since I shut down this service and there would be no reason for me to have continued to keep proof I paid this
Product: Credit reporting or other personal consumer reports

I have attempted to work with both this body as well as the reporting agencies and complained about their " processes and investigations ''. Since then, this body has filed a complaint against them in District Court. I do appreciate you shining a light on the issues with the agencies and exposing the power they have taken to violate consumers ' rights and the limited ability we have to address, trust, and protect ourselves against them. Investigations and properly responding in the timeframe set aside are continually violated but trusted that these investigations are completed or rubber stamped with the typical responses are fraudulent actions. There have also been so many breaches in consumer data from reporting agencies and places we trust to hold our data, of which I have been affected. Spam calls, texts, emails, and all communications are effectively a result of data being sold or a breach in company files. This does no good for us as consumers looking to improve in this era while on the other side, our data is more important and provide a valuable service to those looking to take advantage of us. It's unfair and I ask that you continue to protect us and hold these reporting agencies more accountable in the processing and holding of our data.
Product: Debt collection

Collection information sent to the creditor showing that the debt was paid in full, they refuse to notify XXXX of the XXXX agencies even though it was removed and shows paid in full through XXXX. Spoke to XXXX different people, all with the last name of XXXX ... XXXX, XXXX XXXX XXXX XXXX. They said I have to pay them even though I have no debt with XXXX XXXX and they have to be paid and refused to contact XXXX XXXX to verify that the debt does not exist.