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

Discover Card fraudulently and irresponsibly issued to someone else a Discover Card in my name without using any due diligence whatsoever. 
This happened XXXX. The card was used for over {$10000.00}. 
Discover also allowed this with an incorrect address ... .I never lived in Florida XXXX 
My credit score for the last 30 or 40 years has always been over XXXX. 
XXXX has me listed with many many exceptional payment histories. Tried to get an XXXX credit card about a month ago but was denied because Discover Credit Card has dragged my score down to XXXX from over XXXX.that 's their fault not mine. 
Filed a complaint with XXXX but so far no results.
Product: Credit card

My experience with Capital One has been a horrifying one. I'm inclined to believe that Capital One is engaging in predatory lending, targeting low income or minority young adults. We all know that, from the information collected on your application they have your ethnicity, age, demographics and more. And I think they are using that you easily approve and then quickly trap poor young adults into a vicious cycle of poverty and debt. 

At XXXX, I was happy to get approved for a small XXXX card. My credit was over XXXX and i was thinking that with Capital One I could keep building my credit up. Well, thanks to Capital One, my credit is ruined and below XXXX And it was done in such a short period of time. 

Due to a reduction of hours and unplanned expenses, my card was maxed out and I missed a few payments. I contacted Capital One to see if they had a hardship program. They put me on a very shady plan, where my monthly payment was almost doubled and without lowering my interest rate. After some time, I called Capital One again to let them know the program doesn't seem to be a good fit for me, because my balance was not decreasing. The interest was basically eating up my payments. I was told it was okay and after 3 months I would be back to normal. That was a lie. I missed 1 payment and they dropped me out of the plan. 

I called Capital one again begging for an extension. They put me yet on another plan with a higher monthly payment. I accepted it, but they gave me only a few days to make the first payment, which I could not do. Days later, my card was cancelled and my account closed. A couple of weeks later I got letter from their lawyer. I responded that Capital One prematurely closed my account and did not take into account the payments I made while on the bogus first so called " assistance program '' they had put me on. XXXX XXXX XXXX XXXX the law firm could care less and just sent me a new Notice of Intent to file Suit and Incur cost. In other words Capital One is sending people to their greasy friends lawyers, so they can enrich themselves with attorney 's fees and garnished wages so they can live lavishly and play golf, while we try for years to put our shattered lives together. 

Capital One ignored my efforts to repay my debt and is preventing me from doing so, by sending me to their lawyer, asking for the full amount of {$2500.00}. In less than 3 months, my credit was ruined and now my life is about to be ruined. As a bank, Capital One should have programs in place to assist consumers, especially young adults if you decide to take us as customers. Capital One should be held accountable for sabotaging our financial future. 

Also since Covid-19 and the bad economy, many banks are more lenient. I have a card for XXXX. They put me on a reasonable payment plan of {$41.00} with XXXXXXXX XXXX for the next 12 months. They are working with me. Not Capital One. They are a impossible to work with. Consumers be aware. What's in your wallet? Better not be a capital One card!
Product: Credit card or prepaid card

I had an issue with my account at my Credit Union. They erroneously froze my account so payments would not post out of it. This caused payments to Capital One to be reversed twice. I called my Credit Union and resolved this issue and issued them my payment before my due date well over the full balance.

My Credit Union is willing to print a letter on their letter head that states this is not due to any fault of mine but a clerical error on my account made by them. Capital One closed my card and refuses to open it back up despite still receiving payment on time and discussing this matter with them. I believe that this is unfair and proper payment was received. My card is now closed by the bank and this will reflect on my credit report. I would like my account re-opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are in violation of 15 US CODE 1681 N Transunion placed XXXX unauthorized credit inquiries on my credit report. 
XXXX placed XXXX unauthorized credit inquires on my credit report. 
XXXX placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.
Product: Credit card

XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/22 - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/22 - {$2800.00} XX/XX/22 - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX city code . Attached are copies of the city code, Supreme Court Ruling and proof of lack of permit/inspection as required by city code and law. I have addressed the former complaint with Goldman Sachs and provided legal support in additional disputes, but they are still being ignored. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a Florida Supreme Court case, the court held, [ t ] his, then, is the undoubted rule, that, when a contract is expressly prohibited by law, no court of justice will entertain an action upon it, or upon any asserted rights growing out of it. And the reason is apparent ; for to permit this would be for the law to aid in its own undoing. It seems that if there is ever a true public interest it is in housing and the conditions that we allow people to live in. We have housing laws imposed for many good reasons including health and safety. So the question seems to be if your landlord entered into a lease with you, knowing that the rental property did not meet housing code, is there really even a binding contract at all? If there is not, and the contract, in essence, is illegal, should this not prevent a court from applying XXXX XXXX ( statute that authorizes eviction ) awarding damages to a landlord who was suing for breach against a tenant. The Supreme Court held in Bank of the XXXX XXXX XXXX, XXXX XXXX XXXX, that [ n ] o court of justice can, in its nature, be made the handmaid of iniquity. Courts are instituted to carry into effect the laws of the country. How can they become auxiliary to the consummation of violations of law? There can be no civil right where there can be no legal remedy, and there can be no legal remedy for that which is itself illegal. 

Additionally, one of the property owners violated the original agreement by later sending a text stating that I could not have overnight visitors, as proven by exhibit attached. Tenants are afforded the right of privacy and freedom of association under federal and state laws. This means tenants are allowed to have guests visit them, and landlords can not prohibit these guests, even if they spend the night- Breach of Quiet enjoyment pursuant to FL statutes
Product: Payday loan, title loan, or personal loan

TitleMax continues to elude the FACT that my rights as a consumer were violated in my attempt to acquire funds for my personal, family, and household purposes. TitleMax did not explain or inform me of my right to rescind nor did they submit the separate required forms pursuant to 12 CFR 226.15.

3 ) If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.

TitleMax also eludes the Fact that my rights as a consumer were violated by neglecting to omit 16 CFR 433.2 In connection with ANY sale or lease of GOODS or SERVICES to consumers, ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Which has nothing to do with the sale of my information per TitleMax response.

TitleMax also did not inform me of my vehicle was going to be repossessed. By their own admission, a letter was sent two days after letting me know when the vehicle would be sold which was not sent to my residence. No other information was received regarding the repossession of my vehicle.

TitleMax has not provided proof that all of the above was performed. As a natural person, I am the only one who can attest to the transaction.

TitleMax continues to elude the FACT that my rights as a consumer were violated pursuant to 15 USC 1692 d ( 1 ) Harassing or Abusive Practices 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person.

I have evidence of my communication with TitleMax and no mention of my account being delinquent was ever mentioned. I have the dates and times of each rep. and conversation regarding the receipt of my promissory note, TitleMax only responded to my promissory note after my first initial complaint through CFPB. I have evidence of their receipt of the document dated XX/XX/2023. I heard nothing from TitleMax until XX/XX/2023 which was to inform me of the intent to sell my vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2020 XXXX XXXX  send me a letter telling me that they inform Transunion to delete XXXX XXXX  hard inquiry on my credit report ( See attachment ). Till this moment TransUnion still have this hard inquiry on my credit report
Product: Checking or savings account

This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.
Product: Checking or savings account

We were told onXX/XX/XXXX we were approved for a VA Loan by Home Town Lenders. The agent is XXXX XXXX who told us when asked three times if we were approved for the VA Loan. OnXX/XX/XXXX we were called at XXXX XXXX   to tell us that we were denied the VA Loan AFTER XXXX XXXX. Here we are with one day BEFORE the house appraisal to try to stop the bank from sending out the inspector. The inspector DID NOT check his E Mails and started the inspection we were told. So now XXXX XXXX says he sent XXXX mails to the bank but we were too late he had already started the inspection. So I asked what about my XXXX they debited from my account and his response was Well, since I had a short sale in XXXX and this is why we were denied the loan. Implying Had I told him I had a default this wouldn't of happen. A short sale is NOT a default. No telling him that. He then stated that we would be getting only back XXXX due to the inspector having started the inspection. He was keeping XXXX for his time. We were told that back on XX/XX/XXXX the bank sent out the check register mail. When We contact Home Town Lenders for our money all they say is check is in the mail. Here it is XX/XX/XXXX and still no check. I am on XXXX and can not afford a attorney.
Product: Credit reporting

i filed ch XXXX on XXXX of 2007 but withdrew it on XXXX of 2007 so it was dismissed not discharged XXXX ago equifax still keeping it on report, but info not correct. they say current disposition chXXXX, then prior disposition chXXXX i never filed a chXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove.
Product: Debt collection

I received a letter from XXXX XXXX XXXX. on XX/XX/18. This letter was for debt collection of {$750.00} from XXXX XXXX I do not owe XXXX any money.

I called XXXX and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter.

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my XXXX  account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was.

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I created an account with XXXX XXXX XXXX. I deposited {$500.00} through a bank transfer ( XXXX XXXX ). I then purchased {$500.00} in XXXX. 
I have done nothing else with this account. I haven't transferred any XXXX or transferred XXXX back to cash or any other cryptocurrency. 
On XX/XX/2021, I experienced a problem logging into my account with my password. I then requested a reset password email link which I received, clicked on the link and wasn't able to reset my password. I contacted XXXX customer service and they told me to wait 2 hours then try again. That was also unsuccessful, as have been the following 15 times I have attempted to reset my password which is a simple process. 
Each time I have contacted Kraken customer service and they give me a different reason why it's MY FAULT I can't reset my password. I have tried all of their suggestions and I'm essentially locked out of my account. I have asked XXXX to transfer my funds back to my bank and close my account and they refuse to do it! 
I have spent 3 days trying to access my account! 
XXXX has locked me out of my account! This is fraud/scam/poor business practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through XXXX XXXX. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, XXXX XXXX began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which XXXX XXXX declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see XXXX XXXX failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to Equifax and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to Equifax and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from Equifax and XXXX, but returned a short time later without any form of communication from XXXX XXXX. I continued to dispute the account through XXXX, but I still did not receive any correspondence from XXXX XXXX. Once again, the account was deleted from Equifax and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by Equifax Mortgage in reference to verifying the account as charged off, XXXX XXXX   changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and XXXX XXXX conveniently changed the account again this time only with Equifax to show 90 days late XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Your advocacy lady Contacted saying she would handle getting me pay for the two XXXX XXXX in my name cash into your bank and account XXXX XXXX XXXX I were told by check fraud investigator XXXX around XX/XX/year> that SSN number XXXX led to that account he cash them into. 

Now it is Discovered that he has open up an account in my name at XXXX XXXX XXXXXXXX XXXX charter no XXXX and complaint file with XXXXXXXX XXXX  as XXXX which would involve illegal transactions at your bank, Please investigate. 

XXXX Claim no XXXX for XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for XXXX, XXXX, Experian, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report. 
2. Cease and desist further reporting of charged-off accounts : I request that XXXX, XXXX, Experian cease any further reporting of charged-off accounts without my explicit written consent.

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts XXXX XXXX XXXX XXXX ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff