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

On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy. <P/>I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.
Product: Credit reporting or other personal consumer reports

Capitol One fraudulently made a " Hard Inquiry '' on my credit report on XX/XX/year> without seemingly doing any due diligence about it. Re : Application ID XXXX Capital One XXXX  : XXXX While they acknowledged their mistake, they did not provide any information about what happened. As directed in a letter on XX/XX/XXXX, I mailed a notarized request for more information about this to Capitol One. The company never responded to that request and moreover allowed someone to fraudulently open a checking account in my name a few weeks later. In any case, I would like the information I requested about the hard inquiry in XXXX that Capitol One seems unwilling to provide. While the company claims they " have fully addressed my concerns, '' they have not done so. 

Now the company claims that I did not include proof of identity with my request for information. Needless to say, the letter I sent was XXXX NOTARIZED, which is obviously proof of identity. The customer service produces exactly nothing so here we are again, attempting to get information.
Product: Student loan

I paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX unauthorized fraudulent accounts where opened XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX XXXX  XXXX opened XX/XX/XXXX balance XXXX $ unauthorized inquired include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Fraudulent address linked to fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Mortgage

I had an appraisal on my home in XX/XX/XXXX to have my XXXX removed. On XX/XX/XXXX, I made an over the phone payment to the mortgage company to lower my balance below the threshold required for removal. The XXXX was not removed. 

XX/XX/XXXX, the XXXX is still not removed after multiple calls inquiring as to why. The mortgage company then made me get another appraisal, which they are charging me {$190.00} for, because the previous appraisal expired after 90 days. The XXXX  was removed mid XX/XX/XXXX. 

Im seeking a refund for the XXXX payments that I continued to make after the first appraisal process was complete, from XX/XX/XXXX through XX/XX/XXXX. The company has already agreed that a refund will be provided. 

I called in XX/XX/XXXX and the company said the refund would apply to my XXXX payment. It wasnt. 
Then I called in XX/XX/XXXX and the company said it would be applied to my XXXX payment. It wasnt. Then I called again on XX/XX/XXXX, and now they company is telling me that it wont be resolved until XX/XX/XXXX. 

It is now over a year since this process began and they wont give me my money back after a mistake they made by not originally processing the XXXX removal correctly on XX/XX/XXXX.
Product: Bank account or service

We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking XXXX. Please delete at once. 
2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking XXXX. Please delete at once. 
XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking XXXX. Please delete at once. 
XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT COMPLCREDI Account Number : XXXX This account is inaccurate and fraudulent. Im seeking XXXX. Please delete at once. 
5. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking XXXX. Please delete at once. 
8. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX  Account Number : XXXX This account is inaccurate and fraudulent. XXXX seeking XXXX. Please delete at once. 
I request the immediate removal of this account from my credit report. Despite efforts to resolve this with the involved parties, I am prepared to take legal action if necessary. 
According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to investigate this matter. I do not agree to automated verification methods and expect a manual review
Product: Credit card or prepaid card

XXXX have never had an account with this company CAPITAL ONE XXXX XXXX from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my EQUIFAX AND XXXX consumer credit report and I noticed that I had a fraudulent account on my profiles. I am referring to the account from XXXX XXXX  with account number XXXX. Please remove this account from my reports IMMEDIATELY because I did not authorize them and I do not recognize them therefore I am not liable for this debt. I have never entered into an agreement or a contract with XXXX XXXX  which makes this a fraudulent account, inaccurate reporting to my consumer credit reports and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from XXXX XXXX to IMMEDIATELY cease and for this account to be deleted from my consumer reports. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 known or which should be known to be inconvenient to the Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. 

Capital One Auto Finance, 2016 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have frozen my account with XXXX  and I have paid for another service {$300.00} dollors to Montor my account yet addresses and phone numbers and places and stuff r still being added to my account I don't u understand this at all and I don't even have a XXXX XXXX card and yet it's charging me late fees every single month cause of this women XXXX XXXX XXXX whom over never in my life seen nor met got a old phone number of mine and decided to become me and had made my life a living XXXX four years now and all the police do here in XXXX New Mexico is right a report about it she changes everything my utilities my health insurance hacks everything I have my phone emails social media sites I have nothing that's mine too myself anymore I mean complete physco case her obbssed steals my pictures or of my phone steals me know every place I move every time I change my number she gets it's written a freaking day we've switched phone services 4 times already and she has found my number written 2-3 days now if that's not as little wat to much idk wat is and the police just write a report and she's just destroying my credit and getting away with it she tried 8 days ago to steal {$36000.00} dollors out of my checking account and XXXX off my credit card that's why I don't list it on here cause she still gets on XXXX  and changes my information thxs for ur time her number is XXXX XXXX XXXX if you have any way of helping me get rid of this person
Product: Mortgage

SLS is blatantly and repeatedly lying to prevent any communication to attempt to rectify the multiple errors it has created in assuming the administration of my mortgage. 

In attempting to fix the wrong information regarding the covid forbearance I was told a letter was sent regarding it. The letter had nothing to do with the forbearance. When I called to try to find out why SLS lied about this, I was told only 1 supervisor was on staff. Until suddenly another was available, after a 15 minute hold, but the call couldn't be transferred and I would have to wait for a callback. I clearly and repeatedly stated I did not authorize a callback and would not accept one, that the " supervisor '' needed to get on the line. II was ignored. I called again. The " supervisor '' conveniently callled me while I was on the line with SLS, and then suddenly was on " another call '' and so could never actually get on the line. 

I have no tolerance for games and will not be treated in such a way. SLS has no authority to tell me " this is how it's gon na be '' and more importantly has no right to do anything I specifically state is not authorized. It claimed to enter this loan into forbearance without even asking let alone getting permission, but also ignoring the fact that it was already in forbearance. 

SLS has failed at every step and every interaction. This company also fails to follow the law and should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector XXXX XXXX XXXX Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXBALANCE : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

I opened a HELOC account with US Bank several months ago, and as part of the closing process signed up for their XXXX XXXX with the minimum suggested monthly payment, thinking that they would calculate this amount as a reasonable amount to payoff the line of credit over some timeframe ( e.g. XXXX XXXX XXXX XXXX XXXX XXXX. 

I noticed now a couple months later that not only am I not paying off this line of credit, I actually owe MORE now than I did when the line opened several months ago! I attempted to create a new XXXX XXXX with a higher payment amount, but the only option when setting up XXXX XXXX is their suggested amount. 

Frustrated with this, I reached out to find out how to setup an XXXX XXXX that would actually pay off my line of credit at some point instead of accruing interest forever. Turns out that US Bank does not offer such automated payments. The only way to actually pay off your line is to make a XXXX payment every month in addition to the suggested amount so that the principal goes down. 

This is a very shady way for them to do business, as by default I will never pay off my line of credit and they will collect interest payments from me forever. Good for them, pretty terrible for me the consumer. 

I can not fathom how in XXXX  there isn't a way to setup XXXX XXXX for an amount that will actually pay off the line of credit eventually. This feels borderline XXXX to be honest. It's definitely shady business practices and NOT something they call out during the closing process that additional XXXX payments are necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent an letter into Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. On XX/XX/2021 they removed 1 account & removed another on XX/XX/2021from my consumer report. Today on XX/XX/2021 they have placed both of those accounts back onto my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Opened XX/XX/XXXX with a balance of XXXX. 
XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

Today I was called and told me loan needed to be changed due to a increase in my monthly payment from {$250.00} to {$2000.00}. My loans were government loans handed over to a third party. I didn't agree to any additional terms, but have been paying on time for years. I logged in and verified my terms of the loans and they have payments out to XXXX and my overall debt is less than {$50000.00}. 

This complaint is due to them attempting to pressure me to agreeing to new terms. The company is XXXX XXXX XXXX XXXX. I know they will easily scare others into changing their plan with scare tactics. There is no reason for a company to lie and put pressure on those who took out government backed student loans to change the terms in their favor. 

They said the call was recorded. It happened within an hour of me sending this in to you
Product: Payday loan, title loan, or personal loan

Friday, XX/XX/XXXX through XXXX, via their " excellent match '' for potential loans, I applied at Upstart.com for a personal loan of {$3500.00}. Upstart immediately denied me. During the application process, the deceptive advertising was touting this easy process that is not heavily based on credit history. Supposedly they pretend that they help people with problem credit. On paper, my credit report and FICO score is good, in the mid 700s, but for some mystery reason I can not get the type of credit I should with my scores, and it has been that way my whole life, no matter what my situation. 

I already had my credit reports, my FICO score, my credit rating way before dealing with Upstart. So they sent me a generic reason as to why I was denied. In several back and forth communications, I tried to get them to tell me the specific, exact reason why they denied me. They kept telling me everything but. 

They told me to go check my credit report if I had issues. I told them I already have my reports and I don't see any of the generic reasons they listed. 

I asked again and again to clarify why they denied me, but they would give me the credit rules and regulations, tell me why it " could be '' but never specifically tell me the reason for the denial. I even cited the law, which states the must disclose the reason for the denial, not tell people what it could be or what the law says. But at that point they just stopped responding. 

So because of tat I have a hard inquiry from Upstart and nothing to show for it. I do not think our regulations allow creditors to deny loans just because they want to, and whatever the reason they are supposed to be transparent about it so we can address it if possible. 

There is harm to my credit file now, as each inquiry brings down your score. I want to mention here that one of their " reasons '' was too many inquiries. The only inquiry I had was from a job, The other one was THEIRS. Obviously they are just making any excuse because they have a certain set of people who they will service and other people are being redlined. Otherwise why so opposed to giving their specific reason? 

Also, one of their denial responses says to check my Upstart mailbox - but I never had one. I never had to log into their website. I can not log in and it doesn't show a way to register either. So even their " link '' doesn't lead you to any information. They utilize XXXX XXXX XXXX for Georgia, so evidently they are in on this too.