23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX - Sent company a letter about them reporting negative debt on my credit reports, and told them that the debt did not believe to me. Sent them a copy of my Driver License with my signature. XXXX - Company responded with paperwork of a signature that was not mines. XXXX - sent company a second letter with a copy again of my drivers license and they told me i needed to file a complaint with the police department before they could remove the debt off my credit report. They did not provide me a copy of my driver license all they provided was a signed contract in which does not have my signature on it.
Product: Mortgage

I applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. 

It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.
Product: Debt collection

The collection agency Boettcher & Associates Inc. from XXXX, Colorado has failed to validate their claim to a debt ( which has been bought numerous times in the last 10 years ) as well as payment history on the debt which they had a full calendar year to provide. Recently they violated the FDCPA privacy laws by speaking with a family member about the debt, and not only that then they sent that family member a letter that stated Boettcher & Associates was attempting to collect the debt from my family member.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX took assumed XXXX XXXX loan. I am the cosigner. I have excellent credit. my niece had a late payment. I called First mark when I saw how much my XXXX XXXX plummeted and they said they have documentation that I was notified multiple times by phone. I NEVER received XXXX phone call. I pride myself on hardwork and have earned my excellent XXXX XXXX. If I had knowledge of a late payment I would NEVER jeopardize my XXXX XXXX. I am requesting that this unfair mark be removed from my XXXX XXXX. I have no history of being " delinquent or in collections and I certainly do not want this to start now. I have worked my entire life to maintain an excellent XXXX XXXX and the impact of this will last many years. I am appalled how this company was not interested in anything I had to say. Again, I must reiterate that I never received a phone call regarding this situation despite what they have on record. 
We have had this loan since XXXX. I have never had a XXXX XXXX lowered or been sent to collections/delinquency since the inception of this loan. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I never agreed to any debt collection with the company. No proof debt this is ruining my life for getting housing. NCB has no proof of my signature for agreeing to debt now their system has been breeched and my personal information was attacked. This account should be removed does not comply with fair consumer reporting act. Purchasing a consumer debt and placing it on their report without knowledge of the account is against the law. I have never did business with this company. They will need to validate this debt by showing proof of my ID and signature.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Record type XXXX XXXXXXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 card or prepaid card

This is not the first time this has happened with Kohls.com and the associated Kohls charge card. I placed an order on XX/XX/2018 that involved 2 items, which were to be delivered by XX/XX/2018. One item arrived on XX/XX/2018 with no problem. The other item did not arrive and the shipping tracking information for the 2nd item was invalid. Just so happens this item was never shipped from Kohls ( after to speaking with 2 customer service associates, a supervisor, and a complaint to their office of the president ) and now the price is double the original price. Kohls charge card quickly says " Sorry we will refund '' but offers nothing else. This has happened before when they increase the price of an item. They do not ship the item and just want to refund and force you to purchase at a higher price.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX 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 XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Formal Complaint Regarding Unresolved Issues with Account XXXX XXXX XXXX, I am writing to formally express my dissatisfaction with the handling of my account following my initial contact on XX/XX/year>. Despite filing a complaint, I have yet to receive a satisfactory resolution. 

I believed that the payment arrangement set up by the company would suffice to pay off my promotional financing within the designated time frame. However, I was not informed that this promotion ended in XX/XX/year>, resulting in an unexpected charge of {$2700.00} in interest. Had I received timely notification or a clear statement during the month the promotion ended, I would have settled the balance accordingly. I offered to pay the full balance and asked to resolve the interest charges in some manner but was completely shut down. 

Furthermore, the information regarding the promotion 's conclusion is obscured on the back of your statements and is not prominently displayed on the front. This lack of transparency is unacceptable and has led to my being misinformed about the status of my account. 
My recent interactions with the representatives were curt and unhelpful, and I was informed that my opportunity to address this issue had expired with no options for resolution. This is particularly disappointing given that my financing was arranged through XXXX via XXXX XXXX, and I believe that customers deserve better communication and support. 

I urge the CFPB to require policies regarding notification and transparency for promotional financing. It is only fair and I would say vital that customers are adequately informed about their accounts that have promotional financing and that have what I consider predatory interest rate charges to prevent situations like this from occurring. There should be a law that requires companies to send a 'final warning ' notice 30 days prior to the termination of a promotional plan before a 17-18 % interest is assessed which could amount to thousands of dollars.

I hope for a response addressing my concerns and hopefully resolution to this matter.
Product: Checking or savings account

I have been attempting to close my checking and savings account with UMB for several weeks since XXXX  out the balance. I have called, sent emails, and sent regular mail. When calling, after an excessive wait, I inevitably get disconnected. Emails get replies that " closing your account can not be done by email. '' No response or action from the regular mail. Now that enough time has past due to their stalling, they have begun charging fees due to " insufficient funds. : '' I attempted five times using three different methods to close this account before any fees were applied. Now that fees have been applied, UMB is stating that the account can not be closed if it has a negative balance. It only has a negative balance due to their not closing it when I first asked.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Debt collection

This company was very rude from the first time I spoke with them. I had just had my son and was currently on XXXX  leave. When I told them that I was just getting back to my normal that told me it wasnt there problem and I shouldve made better financial arrangements prior to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} 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
Product: Credit reporting or other personal consumer reports

PENTAGON FEDERAL CR UN Account type - Home Equity Date opened - XX/XX/2016 Address XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

See attached dispute complaint summary In addition, they contacts me over 8x per week, sometimes multiple times per day by telephone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX/DOFED {$1000.00} LAST REPORTED XX/XX/year>2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB complaint with Experian on XX/XX/22 to reinvestigate the validity of the accounts on my credit profile from my first dispute on XX/XX/22. Here is the complaint number XXXX... it has been over 30 days. This reporting agency is in violation. 

According to 15 USC 1681i - Experian has 30 days to investigate and send me the results.

Also they are supposed to record the status of the disputed information which is another violation. 

I have the evidence attached below.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in ten negative accounts appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I have also included police report as well.
Product: Credit card or prepaid card

On or about XX/XX/2023, the financial institution performed an adverse action against me and my consumer credit account by closing account stating with ambiguity 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 thereby converting the consumer account into a bill of attainder. The communication further states, you are still responsible for paying the full amount of any remaining account balance and youll continue to receive billing statements until the balance reaches XXXX. 
Averment to No. 11. I am not possessed of any issue of law or fact where such statement, action, performance, denial, adverse action, or occurrence does not violate the laws of the United States and the laws of the State of Florida. Samewise, I believe no issue of law or fact exist. 


I have sent multiple correspondence to XXXX XXXX of Capital One, XXXX XXXX of Capital One and Capital One 's registered agent for proper service yet have received no response or remedy to date. 

I have had multiple adverse actions taken against me by Capital One ever since I exercised my consumer rights. 

This is a continued breach of contract and a breach of fiduciary duty pursuant to the Uniform Commercial Code. 

See attached documents for further information/instructions. 

Thank you, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to XXXX Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, Experian, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFTS ACCOUNTS ASAP!!! 

XXXX XXXX - {$4600.00} - Collection/Chargeoff - all XXXX DEPTEDXXXX XXXX - {$0.00} - LATE PAYMENT - XXXX, XXXX DP OF EDUC XXXX - LATE PAYMENT - EQ XXXX XXXX XXXX - {$0.00} - Collection/Chargeoff - EQ XXXX XXXX - {$2300.00} - Collection/Chargeoff - all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXXXXXX Account # XXXX 30+ days past due for XX/XX/2023, XX/XX/2023 and 30+ days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.
Product: Debt collection

Called my cell phone number about my mom. I pretended to be my mother, and gave private information like her social, and bank account number over the phone. The person threatened legal action and wanted payment over the phone. Claimed they were from XXXX XXXX XXXX. Very hostile and rude over the phone.
Product: Checking or savings account

I checked my capital one account and noticed that 2 of my accounts said that funds cant be withdrawn and I didnt know why. I had just deposited {$1100.00} into a joint account that belongs to my daughter and I a couple days before. When I contacted the bank they said that someone had disputed a XXXX  transaction that was sent to my daughter over 6 months ago so they froze the account. The money wasnt sent to either of our joint accounts. My money is being held because the bank said they have to do an investigation and they dont know how long it will take to complete it. I really need my money as I have XXXX kids. The bank has since closed my daughters accounts and ended their banking relationship with her although an investigation hasnt been done.