23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : SANTANDER CONSUMER USA # XXXX, XXXX XXXX XXXX # XXXX, # XXXX ( 2 times ). 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX ( 2 times ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical Information to you.Please Delete Address that does not belong to me : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX DUAL CARD *XXXX Interactive * XXXX Branch via XXXX XXXX* XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXX* XXXX* XXXX XXXX/XXXX XXXX*XXXX  Interactive XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Account Number : 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 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 ) ( a ) 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: Checking or savings account

Mailed a check for {$14000.00} XXXX Funds check issued by XXXX XXXX XXXX XXXX Capital ONE on XXXX. It was a XXXXXXXX XXXX but the check was payable in XXXX Funds. I had to call Capital ONE multiple times to find out the status of the check mailed for deposit. The fact that the bank had the check and was processing it never showed on my account. 

On XXXX a " XXXX  Check Deposit '' finally showed on my account for {$14000.00}. There was NO explanation for why the fully check amount was not deposited. I had to call again several times asking explanation. I received a letter dated XXXX from Capital ONE stating that " XXXX XXXX CHARGES '' of {$62.00} were withheld. I called again to try and get clarification for why that happened. Was told it was probably the XXXX XXXX  that withheld funds. 

I mailed a XXXX check XXXX from same bank payable in XXXX Funds for {$4800.00}. That check took until XXXX to show in my account and the deposit was for the full check amount. No foreign bank charges came out of that check mailed in for deposit. 

I have mailed checks for deposit before and the funds generally show in my account in XXXX days. In the past I have mailed checks from XXXX XXXX  payable in XXXX Funds to Capital ONE and they have NOT withheld money from the deposit. 

I called the XXXX XXXX XXXX XXXX  XXXX to find out if withheld funds to clear the check and was told no. The Capital ONE account disclosures web page ( XXXX XXXX XXXX  ) states " If you present us with a XXXX  check, we will not charge a fee, but the paying bank XXXX deduct a fee from the proceeds. '' I have verified that the paying bank DID NOT deduct a fee from the proceeds but am unable to track down who took the money from the deposit. I am trying to get the {$62.00} from the check returned to my account.
Product: Credit card or prepaid card

I was considering a purchase at XXXX XXXX and in order to hold my order they took a lot of personal information. They then opened a store credit card for me. XXXX XXXX then charged me {$6000.00} for something I never purchased. I did receive a credit of {$6000.00} when I complained. XXXX XXXX refuses to close out the credit card. I have requested this account be closed several times. I also do not want it on my credit report as I never applied for the financing as I did not make the purchase.
Product: Credit card or prepaid card

Received a fraud alert from credit company for possible fraud activity. They asked if I had made 4 purchases with credit card. I said no. I did not have a stolen card because it never left my possession. They closed the account and issued a new card. The problem is that they put the 4 purchases on the new card. They said it will take 30 days to make a determination. Dates were on XX/XX/2022. They were for {$100.00} XXXX XXXX XXXX. I believe they were in XXXX XXXX. I live in Fl. and have not left the state in many years. Extremely hard to reach credit card fraud dept of this co. Sometimes you are on hold for over 1 hr. They never call back. I call for update and am told they are looking into it. After all, they alerted me!!!!
Product: Debt collection

OnXX/XX/2016 my father used my identity and opened an account through XXXX XXXX and left a balance of {$560.00}. I was underage at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
Product: Credit card or prepaid card

Hi, We ( 3 adults ) were planning to travel to XXXX in XX/XX/XXXX. So, we hired XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. After multiple mishaps ( not due to me ) they booked the ticket for cash. In between I checked my Chase online account and noticed series of charges were made by XXXX to the tune of {$9700.00}. So, I immediately E-mailed XXXX XXXX XXXX and they denied booking thru XXXX. So, I called Chase bank customer service number and lodged a complaint. The agent advised me to immediately deactivate my Chase card dispose off and issued me a new card. He also said he is turning over the case to fraud section pending investigation. 
On return from XXXX we were surprised to get a letter from Mr. XXXX and subsequently from MsXXXX XXXX, from fraud cell basically indicating that their investigation is complete and we are responsible for paying the {$7500.00} amount since we knew the travel site XXXX from based on our earlier transaction XXXX through the site. Later, on XX/XX/XXXX when we received our XXXX statement it indicated that X agency might have purchased these tickets ( which totals {$9700.00} ) but they also have fully reimbursed next day itself ( {$9800.00} ) specifically to my old card since destroyed. 
I have made multiple attempts to contact MsXXXX XXXX but to no luck. I even visited nearby Chase bank branch and they said only online person can help. Even, when I am able to get a person online he/she fails to understand my point of view and insists that I have to pay those charges. Initially, they were understanding and gave me a credit of around ~ {$2300.00}. But we booked 3 adult tickets. I am also XXXXXXXX XXXX and undergoing treatment at XXXX XXXX Hospital for my XXXX. As a last resort, I am writing to you to remove the charges {$4700.00} which has been already paid. Thank you for taking up my case. 

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

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting

I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police.
Product: Credit card or prepaid card

I access my account online and I noticed in my statement a charge of {$4.00} for cash advances. I call the institution to ask why they are charging me {$4.00} charge. They said the charge was for balance transfer from other institution card. I claimed that according to the terms and conditions of the product, there is no transfer fee. In addition, the promotion clearly established there is no charge for balance transfer. Therefore, i understand the charge does not apply. Moreover, I apply for the credit card because there were not supposed to be any charge. The institution insisted the charge apply, because the card has a promo of 4.99 % interest for the first 12 month.
Product: Debt collection

Hi!     I have a complaint abo ut Navient,  a student loan collection comp any (  scam ). They call at all hours of the day and from multiple phone numbers. They say that I have a student loan from University  XXXX   XXXX  from  XXXX . That is impossible as I started University  XXXX   XXXX  in  XXXX . I am currently paying my   XXXX   student loans through  XXXX   XXXX . When i have spoken to them, they cant tell me ANYTHING, just that I owe {$11000.00} to them. They have reported this to my credit and now my credit is shot. This is unacceptable that a company can send fraudulent info to the credit bureau that I owe them money and when i call them, they can not even tell me anything about where it 's from! I said, " What school is this from? '' She paused and did not have an answer. I said the only school I went to was University  XXXX   XXXX  in  XXXX  and i 'm now graduated. She said, " Oh, then it has to be University  XXXX   XXXX . '' Please help me with this. They need to remove this from my credit. I am paying my TRUE student loans through  XXXX   XXXX .     Thank you in advance!
Product: Debt collection

In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a collections manager. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a collection manager. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a collections manager, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan. Never missed a payment. Auto drafted from my checking account monthly. Paid my loan off in advance. My title company paid the loan off with a check that was roughly {$2000.00} more than I owed. I reached out to the company on the process of the refund being drafted directly back to my checking account. They told me it would process in 24 hours to 7 days. A month later nothing, so I called and was told the same 24 hours to 7 days, and it was being escalated to a vice president. 30 days later still no funds. I would caution anyone from using this company.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent an email to the CEO of Capital One - XXXX XXXX inquiring about how Capital One solicited constant emails, voicemails, advertisements surrounding the coronavirus pandemic, and that they were there to support me and assist me during these extenuating circumstances - which I have to disagree. 

Over the course five months I contacted Capital One Auto Finance on several occasions between XX/XX/XXXX through XX/XX/XXXX with regards to my financial situation surrounding the covid pandemic and had requested an extension on the loan and was denied each time. During the course of one of my calls I was told I could get a covid extension by applying online - which gave me hope - and I even had a representative walk me through how to do this - however, I never had the option pop up in my online portal with Capital One. 

I expressed to the CEO that due to the loss of my job - which was directly related to the coronavirus pandemic - I had financial difficulty making my monthly payments and had tried calling in for being considered an extension on my auto loan. After losing my employment I had to wait for unemployment which also took more time than expected due to the high unemployment rates in correlation to the coronavirus pandemic. During this time of being unemployed and waiting for unemployment to kick in I was reported late to all three major credit bureaus for the months of XXXX, XXXX, and XXXX of XXXX. 

In conclusion - due to a direct result of being impacted by the covid-19 situation financially with being laid off, having to collect unemployment, I reached out to the CEO of Capital One to be considered for a goodwill gesture in relation to being reported 30 days past due for XXXX, XXXX, and XXXX of XXXX and asked if they would kindly remove those negative remarks. 

I have friends and family that had received extensions on their auto loans with no issue and some of those loans were relatively new and in this case I feel as though I am being discriminated against. There was no reason as to why Capital One could not have granted me at least one month to say the least. They constantly were reminding me they were " there '' for me - but every time I would seek assistance I was denied. I feel that this was deceptive behavior and was given " false hope '' during one of the biggest pandemics as a nation we have ever seen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in 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 XXXX XXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Mortgage

On XX/XX/XXXX we signed our loan modification with nationstar Mortgage now Mr. Cooper under the Making home affordable program, since this loan modification was signed we never missed a payment neither make a late payment. 
On the loan modification agreement that we signed section XXXX. stated that we ( nationstar mortgage ) will defer XXXX of our outstanding principal. Provided we are not in default on the new payments such that the equivalent of three full months. 
The deferred will be on installments basis on each of the first, second and third anniversaries of XX/XX/XXXX, equal one third of XXXX which is XXXX e : g ( XX/XX/XXXX XX/XX/XXXX = XXXX should be defer. XX/XX/XXXX XXXX = XXXX should be defer. XX/XX/XXXX XX/XX/XXXX = XXXX and again we have never missed a payment. 
Last year they defer XXXX for the period of XX/XX/XXXX XX/XX/XXXX and at the end of the year they send us a XXXX ( cancellation of debt ) which we use to filed our taxes. 
This year meaning for period XX/XX/XXXX XX/XX/XXXX nation mortgage refused to send out the XXXX up till now I have not receive it yet I have called and called they keep given me different story and this is the only proof that we can get that this debt has been canceled as is stated on the agreements and we need this documents to do our taxes
Product: Checking or savings account

I would get a deposit or make one and I would get told by more than one representative that either I had pending charges already or they update at certain times of the night and would always be negative due to this. I have called several times and complained but was always told something different. Now my account is closed due to this and they let me go negative up to {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Mortgage, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Midland Funding LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT from XXXX XXXX Ca was sold a charged off debt alleged to be owed by me. I sent a cease and desist letter on XX/XX/XXXX. This same company Sent me another letter dated for XX/XX/XXXX on this same account. I would like to file a complaint on this company for violating federal law usc 15 -1692 of the Far debt collections practices act