23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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: Credit reporting or other personal consumer reports

This morning, to my disbelief, I found erroneous accounts listed on my credit report, and I cant figure out why. I regularly check my credit report, and this time I noticed discrepancies that seemingly appeared out of the blue. I even refreshed my browser, hoping it was a technical issue, but the inaccuracies persisted. Given this situation, Im asking for a careful review of the documents Ive provided so I can stop worrying about this.
Product: Consumer Loan

Payments to Toyota Financial Services set up by me as auto BANK payments, however TFS has repeatedly charged late fees even though I have bank documentation of the date DELIVERED BY. 
Fees are & gt ; {$35.00} for a monthly payments of {$750.00}. The next month an additional {$15.00} is charged. 
XXXX
Product: Debt collection

Security Credit Services is attempting to collect a fraudulent debt. They have listed an account on my credit report for {$890.00}. They are not licensed to collect debts in the state of Massachusetts in which I am a resident.

In XX/XX/XXXXI sent written notice via certified mail requesting validation of debt and 93A Demand Notice informing them of their illegal activity. They failed to reply.

In XX/XX/XXXX I sent a 2nd notice via certified mail 93A Demand. They failed to reply.

In XX/XX/XXXX I sent a 3rd notice via certified mail 93A Demand. They failed to reply.

They are unlicensed, reporting illegally and attempting to collect illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated
Product: Mortgage

My Account was sold by XXXX XXXX  servicing to FREEDOM MORTGAGE at the end of XXXX. XXXX did their part, provided proper notification and closed the account out. It is XX/XX/XXXX and I have yet to hear from FREEDOM MORTGAGE. I called on XX/XX/XXXX and they told me they wont send a welcome letter prior to XXXX, so I waited. I called on XX/XX/XXXX and the representatives could not answer my question and admitted that she was searching an unsecure XXXX  spreadsheet for my information ( ssn, address, and phone number ) to see if they had the data ( it was unable to be located ). I couldn't even get an answer on where my welcome letter is. This company not only is unprofessional, but they also are not using safe and secure methods in order to secure my personal data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a XXXX XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IrequestedthatseveralfraudaccountsberemovedfrommycreditbutinsteadofTransUnionremovingtheseaccountstheymarkedtheaccountsasclosed.TheaccountslistedforXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXX,andXXXXXXXXXXXXXXXXXXXX,XXXXXXXX,shouldbedeleted.Imadethisrequestwellover60daysago.IamRequestingthatthesefraudaccountsonceagainberemovedfrommycreditreportforXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXX,andXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.Ihavesentinpolicereports,identitytheftreports,ID&socialsecurityprovingthattheseaccountsarenotmine.PLEATEPERMANETLYDELETETHEABOVEACCOUNTS.
Product: Vehicle loan or lease

In XXXX of XXXX, I purchased/leased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due too unforseen factors i was not able to obtain insurance of the vehicle due to my driving record. I notified the lender and they held to the original agreement of provide insurance or one will be provided and added to the loan. Since owning the vehicle you the lender has now added in the area of {$7000.00} + of collateral damage fees. The loan is a 10 year loan. I will be eligible to insure and the end of they year of XXXX per my broker. I am a responsible borrower and i do not have any negative impacts on my report, they have tried to waive numerous tine with no success but continue to stack on ridiculously amounts of collateral chargers. 

I have even asked to waive all fees to allow me to get back to my i original balance so i can pay off and take my buisness else where but with no success on their end,
Product: Bank account or service

Someone was able to get my social security number, call my bank posing as me, have a new card sent to them in a state in which I do n't live, transfer money from 1 account to another over the phone, and then go on a shopping spree. CapitalOne bank never went through additional security challenges in spite of the fact that the address given to them was NOT in their file and by looking at my statement, transactions were made in another state ( my state ) the day before. I really think there should be some extra security before getting a new card and cancelling an existing one. Not just birthday and social security number ( both of which can be had ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reported I had a zero balance on my  XXXX   XXXX   XXXX   XXXX  charged off checking account as of XX/XX/XXXX , after I paid the account in full. After  XX/XX/XXXX  the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost  XXXX  times severely hurting my  credit score  and ability to access credit. I disputed the  XXXX   XXXX   XXXX   XXXX  late payments in  XXXX  when I discovered the error. The credit bureaus completed the dispute in  XXXX  without making the corrections and removing the false late payments from my credit report.
Product: Vehicle loan or lease

Subject : Complaint Regarding Violation of Rights under 15 USC 1692F by Capital One Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692F. Capital One has engaged in actions that constitute a violation of my rights and have caused significant distress and financial harm. 

On XX/XX/2023, Capital One repossessed my vehicle without proper notice or adherence to legal procedures. Furthermore, they provided my personal information to a towing company without my consent or knowledge, which constitutes a severe breach of privacy and could potentially lead to identity theft. 

The actions taken by Capital One not only violated my rights under the FDCPA but also resulted in significant emotional distress and financial hardship. As a consumer, I have the right to be treated fairly and ethically by financial institutions, and Capital One 's actions have clearly disregarded these principles. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Capital One for their violation of consumer rights. Additionally, I request that measures be taken to rectify the harm caused to me, including compensation for any financial losses incurred and assurance that my personal information is safeguarded against further misuse. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Repossession XXXX XXXX XXXX  Capital one Auctioned off my car DateXXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My issue is with Paypal being complicit in allowing scammers to take money from a buyer and offering no real forms of protection. 

I tried to purchase concert tickets to a sold out show through a normal human being, not a vendor, not a business. Just a guy I met. The person suggested I use paypal to complete the transaction and that he would electronically send me the tickets ( XX/XX/19 @ XXXX ). 

I sent him {$200.00}, tickets never come. The default paypal option for all transactions is friends/family. Which seems like a logical option considering you are not sending $ to an actual business. What paypal actually means when you use this option is that the buyer not relinquishes any protection paypal once considered offering them. 

I then call paypal to see what I can do to stop the scam from taking place, and they begin to interrogate me and accuse me of trying to beat the system by not using their other payment option ( I paid paypal a service fee regardless, and they get their cut as always, so this should really be a moot point ). I then ask the agent after they basically tell me they wont do anything for me, to at least block this person 's account so they can not continue to scam people and they could honestly of cared less. Its starting to look as if paypal is aiding these scams in growing in scale and efficiency and consumers like myself that don't have complete knowledge of exactly how these systems work get conned. 

How can your governmental agency sit back and allow this type of complacency in law when one of the biggest world banks now ( paypal ) is actively allowing this type of fraud daily, and then blaming their consumers for being ignorant or trying to cheat the system? As if the extra {$3.00} I would have paid to " ACTUALLY '' be protected was somehow my determining factor in getting XXXX over. 

It's XXXX, you need to do something about it as an entity that can, and I am stating my case here so that when the 100,000 's of people that are getting XXXX  over everyday sue paypal for negligence I will be utilizing this as part of my class action lawsuit and deposition against their utter lack of effort when people are being robbed daily due to their software loopholes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure if anyone even cares about this, but I think it's time we start forcing these credit agencies to do better and rating peoples credit. 
My complaint is against Equifax as they dropped my credit score XXXX points just because my balances on my debt decreased. I am in the process of buying a house and trying to keep my scores above XXXX so when I close in XXXX I can get the best possible rate I can. I don't think it's fare the credit agencies can just drop your score that much for no reason other than you being a good credit risk. I am really sick and tired of these credit agencies using some XXXX bogus formula to get these scores and they have no rhyme or reason.
Product: Debt collection

This company is trying to collect a debt from me. I have never signed a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Exeter finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXXXX/XX/XXXX A+ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to access my free credit report on Exiquifax. After supplying all identification online, building a profile, it would not let me sign on. It directed me to call their support number. I did call. I had to supply my social security number, home address, zip, date of birth and phone number in the automated system just to be put on hold. The real person, after holding, would not help me get on the website without supplying further private information ( my credit card companies and monthly amounts ). I declined and wanted other resolution. She obviously would only read prepared screens to me and would not resolve. I asked to be transferred to a supervisor. After hold, she said just about the same information. No resolution unless I answer that question just for technical support. There is no way to log a complaint unless, she says, I send in identifying information and a complaint to the mailing address. This is a company that also has given me free fraud monitoring in the past because of their data breech, and yet could not help me to log into my account to get my free report. They should not hold me hostage in this way when I have already had to overshare private information to get to that point. I had no problem with XXXX.
Product: Credit card or prepaid card

Early XX/XX/2023 I received an unsolicited application from Capitol One in the mail to apply for their XXXX XXXX XXXX at a lower rare and a lower interest rate and cash back bonus. I applied online on XX/XX/2023. After a soft credit check, I was told that I was not eligible for the advertisement that was mailed to me, but instead they offered me the same card at a much higher interest rate and no cash bonus. I decided to proceed and I applied, being accepted and told the card was on the way. This notice was sent via email. 

I got an email from XXXX of the credit agencies noting that there was a hard credit check, and a corresponding lowering of my score due to the check. 

I noted that when I later logged into the online account that I had set up in order to access card features, a fraud alert had been placed on my card. I was not sure what that meant, since I had not received the card. There was no other information, and figured I would clear that up when I received the card. 

I got a voicemail on XX/XX/XXXX from an unknown number from a person telling me that I had to call them regarding a fraud alert placed on my card. I returned the call on XX/XX/XXXX, using the number in the call. I verified myself, and was told I had to submit a state ID and a social security card through some online process to active my card. I told the representative I had not yet received my card. And I offered to go into a bank branch to do this, now being suspicious of any online contact with them. 

I waited for the card to arrive, which it did on XX/XX/XXXX. I called to activate it on XX/XX/XXXX. I was then told I need to wait for an email and it would also ask for proof of residency in addition to the other documents. I offered to go into a branch. I also refused to offer a Social Security XXXX, as I have never heard of doing this for a credit card. They had it, as my credit alerts had proven. 

I don't just want to drop the process, as they have now opened an account for me and reported it to credit agencies. This would further damage my rating, because it would now contain a closed account I never used. 

I am accusing Capitol One of deceptive advertising practices in that they applied bait and switch in enticing me with one product but only a higher product was available. Also, they have the potential to damage my credit report in never intending to realistically offer me a credit card, but now have information on me that they will feel free to use in their marketing efforts. Lastly in having that information, if their systems are hacked, I will be further victimized in that it may be stolen, and the types of information they are asking for, if I submit them, will expose me to identity theft where I have provided more information that I believe is normally asked for for a credit application. 

Thank you.
Product: Mortgage

My original first mortgage with XXXX XXXX XXXX was sold to Nationstar without my consent or advanced notification. It took Nationstar 1 year to get loan information into their computer system. During this year, they refused to accept mortgage payments as did XXXX. Nationstar stated they had no account for me. When they finally got my info into their system, they pinged my credit reports with late payments!! This caused me no option but to stay with Nationstar. 
In XX/XX/2017 my loan came to end and I requested a new loan or refinance. They agreed but never got me the documents I requested. They refused to accept any mortgage payments and again pinged my credit report with late payments. Early this year, they refused to refi my home and now put in into Foreclosure on XX/XX/XXXX. I am in the process of refinancing with another lender, but they will not give me the extra time to close this loan. They will be selling my home and putting me on the street with no place to live. 
Also, they were supposed to notify me in writing that they were foreclosing and I never received any notification. They also said a XXXX Country Sheriff hand delivered a notice to me personally. That also never happened. What did happen was they sent a notice to a former attorney I ceased working with earlier in the year. I notified Nationstar of this on numerous occasions verbally and in writing and they neglected to change their records. When they finally got my loan info, they misclassified it as a HELOC and refused to refinance a HELOC. I tried for over a year to prove to them it was my first mortgage and after much effort on my part, they finally agreed they were at fault. 
Also, I had severe storm damage to my home on the tornado force storms on XX/XX/XXXX and XXXX of this year. My insurance company approved the repairs. Nationstar has the insurance monies and refuses to release the funds to my contractors. The roof is near collapse. I need Nationstar to give me the time to close this new loan and keep my home which I have had since XXXX and get the repairs complete. This is most urgent!!! Please expedite.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX