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

I suffered an Equifax data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Product: Debt collection

I wrote a letter to Americollect on XX/XX/2018 because they have reported incorrect information into my credit bureas ( XXXX, XXXX  & XXXX ). I sent a certified letter to them to send me a validation letter so I can verify this account. The amount collecting is {$170.00}. Based on the ( FDCPA ) Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( 8 ) a validation is requested. Americollect have ignored the validation request and they continue to report this information illegally to the credit bureaus.
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that Nelnet reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXX AR XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( XXXX ), XXXX XXXX ( 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.
Product: Credit reporting or other personal consumer reports

MY DATA HAS BEEN COMPROMISED! PLEASE INVESTIGATE THESE DISCREPANCIES AND REMOVE THE INFORMATION RELATED TO THIS ACCOUNT. I AM DISPUTING : XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX  XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX AND ANY RELATED DOCUMENTATION RELATED TO THE DATA BREACH. UNDER THE FCRA, I AM ENTITLED TO A FREE COPY OF MY CREDIT REPORT WHEN MY DISPUTE RESULTS IN CHANGE. ADDITIONALLY UNDER THE GLBA, FINANCIAL INSTITUTIONS ARE REQUIRED TO SAFEGUARD PERSONAL INFORMATION. SINCE MY DATA ( PERSONAL INFORMATION ) WAS COMPROMISED, I REQUEST THAT YOU ENSURE NO FRAUDULENT OR ERRORONEOUS INFORMATION REMAINS ON MY REPORT. REMOVE THESE ACCOUNTS LISTED ABOVED IMMEDIATELY. I EXPECT A RESPONSE TO THIS DISPUTE WITHIN 4 DAYS AS REQUIRED BY THE FCRA. THANK YOU FOR IMMEDIATE ATTENTION TO THIS MATTER.SEE ITEMS ATTACHED BELOW.
Product: Credit card

XXXX XXXX XXXX XXXX {$390.00} XX/XX/2023, I ordered a bedframe, which was returned on XX/XX/2023, via XXXX and I was never refunded, the merchant received it and signed for it. XXXX has been aware for a while and constantly states I would be refunded but have yet to receive it. I have tried reaching out to discover via mail to no prevail and even calling but every time I call it states my call cant be serviced. But they can respond when I ask them to waive a late fee on my account. XXXX picked up the package and I even have them on video taking the package. Tracking number is XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX {$520.00} on XX/XX/2023 I was only refunded {$20.00} on XX/XX/2023, XXXX on XX/XX/2023, only a total of {$100.00} has been refunded so far. 

I am unable to reach Discover, which I find to be an issue especially if I can not call and confirm if they received my mail too. 

{$420.00} I have been trying to dispute with them.
Product: Credit reporting or other personal consumer reports

As a victim, I am writing to dispute information contained in my credit file regarding a collection that does not belongs to me. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within XXXX  days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove this negative item from my credit file.
Product: Mortgage

I'm dealing with the deaths of my aunt and my grandmother who both died at the residence XXXX weeks of each other. Both were the main financiers of the mortgage. Although I'm the next responsible adult or the last one living, I fell behind dealing with burying both, in addition to pay off their debts in order to live at the home. I never even heard of who to pay or when or how much. Once I tried to make an attempt to pay what was owed when the mortgage fell behind I called and was told they couldn't accept my payment unless it was in full. I promised that I could pay more the additional weeks to get me even but was denied. As months passed, I tried to reach Rushmore ( previously XXXX ) about information regarding my issues and was told multiple time to contact their lawyer. I did this XXXX and even left voicemail and got no reply from anyone. Emails didn't work also. Now tomorrow I have a court date and I'm afraid of what will happen because I'm honestly at my wits end of it all. I can't find a new place to live until the " foreclosure " is lifted off my credit. My stuff is all in storage. I honestly would like to come to a mutual resolution so both parties can move on.
Product: Mortgage

I inherited my mother 's home as her sole heir through her recorded Will when she died XX/XX/XXXX. The home has a loan through Ocwen Loan Servicing/XXXX XXXX XXXX XXXX that originated XX/XX/XXXX. In XX/XX/XXXX, while I was residing at the property, the loan fell behind due to the financial strain of the circumstances and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to assume the mortgage through a family transfer package with plans to follow with a modification application to address the arrearage per Ocwens ' council. All 3 transfer attempts were denied, per Ocwen, due to the lack of my possession of the property deed. In XX/XX/XXXX, I again applied for a family transfer based on my inherited rights and at the encouragement of Ocwen and was denied due to not residing in the property at the time of the application. In addition, I was made aware that despite my inherited interest in the property and payment of the monthly contract amount I was not eligible for family transfer. Specifically, if transfer occurred while I was not residing in the property or if said property was rented for 3 years or more, the mortgage would be due and payable. I have been making mortgage payments as agreed with Ocwen however I am now barred from title and ownership because I reside in Maryland to work as a XXXX  XXXX on XXXX XXXX XXXX. I asked for an alternative resolution and was not provided with any options.
Product: Debt collection

They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and harassing minor children. We hardly finished overcome a bad hurricane. This is added stress
Product: Credit card

Who : XXXX XXXX XXXX XXXXXXXX XXXX Capital One Account # XXXX Capital One QuickSilver Credit Card # XXXX What : Hold placed on credit card without notification. 

When : XXXX XXXX became aware of the hold on XXXX XX/XX/year> after calling Capital One. 

Where : Capital One Why : No full explanation for the hold was given. XXXX XXXX was only informed that his account was on hold due to a transaction being investigated. 

How : XXXX XXXX discovered the hold after contacting Capital One. No prior notification was sent. 

Summary : On XXXX XX/XX/year>, I called Capital One to inquire why my available credit had not increased beyond {$20.00} despite making multiple payments to fully pay off the balance. The payments were as follows : XXXX XX/XX/year> : {$520.00} XXXX XX/XX/year> : {$100.00} XXXX XX/XX/year> : {$520.00} XXXX XX/XX/year> : {$120.00} XXXX XX/XX/year> : {$140.00} XXXX XX/XX/year> : {$180.00} XXXX XX/XX/year> : {$35.00} I noticed on XXXX XX/XX/year> that these payments had not resulted in an increase in my available credit. Despite this, I continued to pay off the remaining balance. 
At XXXXXXXX XXXX on XXXX XX/XX/year>, I called Capital One and requested to speak with a supervisor. The supervisor informed me that my full credit would not be available, and there was a hold on my card until XXXX XX/XX/year>, even though all required payments had been made well before their due dates. 
After researching my rights under the Consumer Financial Protection Bureau ( CFPB ), I called Capital One again at XXXXXXXX XXXX  on XXXX XX/XX/year>. I asked to speak with a supervisor and informed them that Capital One had violated CFPB regulations by not notifying me of the hold on my credit card or providing a reason. The supervisor claimed that at least five notices had been sent to me, but upon reviewing all notifications, including emails, texts, and mail, none mentioned the hold on my card. 
The hold on my card without prior notification led to missed payments and an inability to rent a vehicle needed to commute to work while my car was being repaired. I requested that Capital One send a written letter to all credit reporting agencies explaining that any issues were out of my control. I also requested restitution for the missed payments and the time missed from work due to the inability to rent a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company AES - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM AES/XXXX  - XXXX XXXX XXXX On the Last Day the Complaint was Open - AES was unable to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM AES/XXXX  - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans instress rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX Back XXXX, NA with may be considered a debt collector. "
Product: Checking or savings account

Received a call from Chase Bank Fraud Department. Explaining someone had just made a charge of {$960.00} on a credit card opened in my mother 's name. Also, explaining that a balance on this said card was {$1300.00}, opened in XXXX We live in Maryland XXXX This happens with scammers every day all day. A year ago my mother was subject to a scam that cost her nearly XXXX dollars of which she lost half. Ever since my father passed away a year ago this problem has been consistent.
Product: Credit card or prepaid card

Throughout XXXX through XXXX of 2019 we have been overcharged by a vendor named XXXX XXXX XXXX After attempting to work directly with the merchant ( which our credit card company suggested we do before starting a dispute ) and failing to find any kind of resolution with them, we were forced to go to Capital One ( our account holder ) and let them know of the issues. 

In XXXX and XXXX we were sent letters stating they could not reimburse of for these disputes because they had not received adequate information from us regarding the dispute. In fact we provided 26 pages of correspondence and contracts via fax to Capital One when we first made the complaint. After receiving the letter they were closing our dispute because of the lack of info, we spoke with a representative who guided us through the Capital One Document Upload system where she verified the documents were received and the dispute would be reopened. 

More recently we received letters stating that because the dispute was 120 after the initial charge we were outside of a time limit Capital One says it is under to resolve disputes. Even more recently we have received other letters from Capital One stating that disputes must be made 60 days after the initial charge. 

Not only have we received dismissals of our dispute for 3 different reasons which contradict each other, we were never told of these time-frames when we first reached out to Capital One when the overcharging from XXXX XXXX first happened. As previously mentioned, they caused the delay by advising us to work directly with the lender before opening a dispute. 

It is very clear that Capital One is creating arbitrary rules in order to not resolve our dispute and return the funds despite strong evidence that the vendor overcharged us and has done this to thousands of their customers.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and rises. Serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I received your letter dated XX/XX/2022 stating that {$27000.00} was returned to XXXX on XX/XX/2022. XXXX claims they did not receive the funds, and they requested a " trace '' number. Your letter dated XX/XX/2022 also provides your direct contact info ( XXXX ). 

I have attempted to reach " XXXX '' at the number and extension listed in the letter, and there is no XXXX. I have called at least 15 times and left numerous voices messages. " XXXX '' has not returned my call. 

Prior to filing complaint ID XXXX, I had spoken with Capital One at least 10-15 times, and logged more than 10 hours of hold time. In addition, XXXX XXXX, of the XXXX, CT police dept, spent numerous hours on hold, and spoke with Capital One many times. During all of those conversations Capital One refused to return the stolen funds, or provide any timeframe when you would return the stolen funds. 

It's has become obvious that you only respond and take appropriate action when the communication is facilitated through the CFPB. 

If the funds were actually transferred back to XXXX, I need the trace number for the transaction!!!!!!!!
Product: Debt collection

I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was improper use of credit reporting, I have recently notice several fraudulent inquiries on my report one happening on XX/XX/2023 XXXX XXXX  and one on XX/XX/XXXX XXXX XXXX
Product: Vehicle loan or lease

I started loan at XXXX 2 years ago.Some payments not going to XXXX2 year later I owe XXXX with a payment of {$690.00} that doesnt make sense.During my bankruptcy looks like wasnt applied right when I paid during that time.I understand that I have deferred some but to only go down XXXX in 2 years. Makes XXXX sense.I call they are so rude and dont wan na help you XXXX is applied to interest and principal differently.I had late fees for longest even tho I made payments.
Product: Debt collection

I filed XXXX complaints with CFPB regarding a Fraudulent charge of $ XXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by XXXX XXXX XXXXXXXX who did not call me to confirm if the transactions were made by me. In the past XXXX XXXX XXXXXXXX denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time XXXX failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXX and # XXXX ) Instead XXXX XXXX XXXXXXXX approved the Fraudulent Transaction and during the CFPB investigation, XXXX transferred the Fraudulent XXXX XXXX debt XXXX to Comenity Capital Bank, XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at Comenity Capital Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt XXXX transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to Comenity Capital Bank '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank XXXX XXXX at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact XXXX and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud XXXX sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Debt collection

I am a identity theft victim due to an XXXX credit breech. This mobile account was a result of identity theft it is unauthorized XXXX is the original creditor for this fraudulent account balance {$2100.00}.