23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

After reviewing my report, I noticed an error which only Transunion is reporting. The account was opened on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

During COVID-19 I got behind on my monthly payments. I always paid but paid late, and paid the interest and late fees, as a result Capital One restricted my access to my card and I was unable to use it. 

In XXXX of XXXX I received a letter from Capital One stating that if I could keep my card current for the next three billing cycles I would regain the use of my card. On XX/XX/2021 I went online and was able to pay the entire balance of {$2000.00}. This was the amount that showed as a " balance '' due on my account. I printed the confirmation. 

I understood based on the letter and the fact that I paid the balance on my account, that showed online, that my account was XXXX and my card privilege 's would be restored. My privilege 's have yet to be restored and I have a balance of {$38.00} on my account (? ). I called Capital One on XX/XX/XXXX and spoke with a supervisor named XXXX ID # XXXX, call ref # XXXX, she explained that I was charged late fees and interest for XXXX & XXXX of XXXX I asked how that was possible since I paid the balance on XX/XX/XXXX of XXXX She said that the balance shown online is not the " Pay-Off '' balance and that I should have called to get that. She then went on to tell me that my privilege 's would never be restored because I did not pay the true pay off amount. 

The same agent then offered to reverse the late fees and interest, she said it would take 3-5 business days to complete. She also said that she would notify the credit bureau that Capital One reports to, that I was not in a negative standing with Capital One. I then asked if I was not in a negative standing with capital one and I paid my balance, as the Capital One letter dated XX/XX/2021 requested, why was my card privilege 's not being restored. She stated that it was not possible to restore my card privilege 's. I asked why Capital One was closing my account, she replied that they were not closing my account but instead my account was permanently " restricted. '' I appealed numerous times to Capital One for assistance with late fees and interest during COVID, and every time I was declined any assistance, and now they are refusing to restore my card privilege 's even though I followed their instructions in the letter dated XX/XX/2021. Their online consumer site is misleading and not transparent. I had no idea that the amount showing as my balance was not my " pay off '' amount. There should be a disclosure or access to obtain the " pay off '' amount online. I feel that Capital One has been extremely unfair, especially during COVID, I followed the instructions in their letter and they still have not restored my account. 

I would appreciate any assistance that you could offer me to restore my card privilege 's. One more thing, my credit score at the time I called today is " XXXX, '' which is an Excellent rating by XXXX XXXX, the very company Capital One uses to rate their consumers. Again, this makes no sense why Capital One is treating me so unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus XXXX Equifax, XXXX, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX ACCOUNT : XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

THE ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD. 

DELETE THIS FRAUD CARD FROM MY CREDIT REPORT.
Product: Debt collection

XXXX XXXX sued for a XXXX account belonging to XXXX XXXX. I was living and working in Pennsylvania. On XX/XX/2018. XXXX XXXX renewed a judgment and is now trying to collect on XXXX account which she states was paid. The CFPB has consent orders against both XXXX and XXXX XXXX. They are scam artists. They have a lien against my home and will garnish my bank account or wages. Please help?
Product: Vehicle loan or lease

I bought a car that came with defects, needing to change the engine less than 30 days after purchase. Although it was a car with problems, I tried to solve it with the insurance company offering to repair the car. After that, the car was a horrible problem with seemingly endless repair expenses. Some time after the purchase, unfortunately I had a financial problem and contacted WestLake financial, to evaluate the possibility of returning the vehicle. During the phone call, the attendant said not to worry, offering me another 30 days to pay the monthly installment, adding a small interest rate. Two days later, another attendant called me, saying that I would no longer have the time granted to me, that there was some problem in the system, denying me more time. The attendant then told me that the ideal thing to do would be to voluntarily return the car. According to the information given to me, I thought that the car would be sold and that the pending amount would be deducted from the sale price, since I had paid more than 60 % of the vehicle 's value. From that moment my life became XXXX. WestLake sold the car for the price they decided to sell, they kept my car for months and as a result they claim that the monthly payments for the time the car was with them need to be paid adding an even bigger debt. Today, XX/XX/XXXX, trying to find a way out, I called Westlake Financial for assistance around XXXX. The attendant called XXXX was extremely rude, shouting into the phone, saying that I owe money, while I just asked him to send me the email containing the information I needed to assess what could be done. They claim that they sent an email that I never received and a letter that would take a few days to arrive at my residence with this information. As a customer, I believe that receiving detailed information regarding the date of sale of the car, amounts charged, fees, etc. is my right. I requested a resend of the email which I never received and felt extremely humiliated. I tried to speak with a supervisor named XXXX, who was extremely rude, replicating the attendant 's behavior. I requested to be transferred to the customer service sector so that I could obtain the information I wanted and report the humiliation I had suffered, they left me on hold and ended the call. I believe it is my right to receive information and try to force someone to pay something by shouting on the phone and humiliating them in this way, it is a crime. This is extremely serious. There was difficulty in providing information from the beginning and a clear impediment to sending information transparently was not carried out, trying to humiliate me and pressure me to make a payment of approximately {$4000.00} dollars without me having the possibility to evaluate the necessary information.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITALONE with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX.
Product: Mortgage

-Ocwen is a crooked mortgage company forcing people to forclose! I have been trying to do a mortgage modification for 3 months now.Every time I call I get the run a round.They never received my paper work or my time has run out I need to fill out another packet or the information I sent in was wrong.I found a website on XXXX with thousands of complaints towards this company the site is called The Ocwen lawsuit source! Many people lost their homes already, others stressing that it is going to happen to them next., The site was set up because people do not know how to handle this situation.Please help!! I 'm a single Mom living in my home now for XXXX yrs.I do n't want to loose my home. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have made numerous complaints and never get a satisfactory reply or a truthful one. 
The specialized loan servicing people have breached the contract they are using to try and collect payments. On page 4, section E describes the interest limit as not to exceed the maximum rate permitted by law if lower. For over a year when payments were being made SLS exceeded the Kentucky Usury law of 8 %.

I have numerous times asked for an attorney to contact me as well as tried direct contact and was ignored. I have stopped making payments because SLS/XXXX XXXX XXXX XXXX   XXXX have an altered contract designed to collect under false pretense, Now because of breach of Usury law I believe they owe me money. I am attaching a copy of the page that describes this. In the event I have misinterpreted it, have an attorney contact me, not employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : 1.XXXX XXXX XXXX XXXX Account # XXXX, XXXX, Amount : {$4700.00} 2. US DOE/XXXX : Account # XXXX, XXXX, Amount : {$140000.00}, 15 U.S.C 1681 section 602 A. States I have a 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 with 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.
Product: Money transfer, virtual currency, or money service

I have a balance in my paypal account and I want to transfer it into my bank account, but paypal keeps telling me there's a problem and they can't complete the transaction, without saying what's the problem. I tried its online assistant, but no such topic at all and not allowed to type this problem. I even can't find their email address to report this problem and their phone customer service was terrible. I just want to withdraw my money, if there is a problem, please indicate what's the problem, rather than just repeating 'there is a problem like an XXXX.
Product: Checking or savings account

The Bank of America has been holding my check and XXXX transactions
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds for removal they also violated my rights under 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 Also the credit bureaus took more than XXXX  days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX and Equifax to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a text message from an unknown number notifying me of a fraud alert on my Wells Fargo account. I called Wells Fargo to speak to a representative and as I was on the line the same Wells Fargo number called me and the person on the line said they were a Wells Fargo representative from their fraud department. They told me that someone by the name of XXXX XXXX scheduled a transfer of {$500.00} from my XXXX account to their XXXX XXXX XXXXXXXX account and to reverse the scheduled transaction I had to create a new transaction by enrolling them into my XXXX account under my last name then again under the name " Fraud '' and sending the scheduled amount of money to reverse the transaction.
Product: Prepaid card

On XXXX XXXX XXXXXXXX Chime card allowed someone to take XXXX XXXX dollars out of my account and In XXXX of XXXX  Chime allowed someone to take XXXX out of my account I had a police report and had no access to my account because I was in an institution and chime never reimbursed me
Product: Debt collection

this company is reporting negative, false, misleading wrong information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Bureau Name ACCOUNT RESOLUTION SERVI i paid them in full the are reporting on my credit bureau report that i still owe them and paid in full
Product: Credit reporting

THIS COMPANY IS WRONGFULLY MESSING UP MY CREDIT I WANT IT DELETED IT IS OVER 7 YRS OLD STATUE OF LIMITATATIONS HAS EXCEEDED PLS REVIEW AND DELETE IT OFF OF MY CREDIT REPORT WITH YOUR COMPANY IT IS ALREADY OFF OF XXXX AND XXXX THANK YOU
Product: Mortgage

I requested a loan modification workout out in XX/XX/XXXX due to the Department of Treasury approval of a 30 % cut in my pension effective XX/XX/XXXX. I am XXXX and receive social security. Approximate XXXX XXXX my request was denied by a phone call from a rep at Shellpoint Mortgage/XXXX  XXXX ( investor ) informing that Shellpoint offered that my payment be extended for 10 years and reduced to {$640.00} from {$730.00} but the investor denied it and said the only option available is to increase my mortgage and stay at the 7.75 interest rate, and asking that I bring my account current. I am now making partial payments of $ XXXX monthly. I appealed the denial in writing and then on or about XXXX XXXX, I received another phone call from XXXX XXXX ( point of contact ) informing that the first denial was a " computer error '' and still they will not modify because the " numbers don't support it '' and any modification would increase my payment, which is ridiculous. I asked to see all documentation and the calculations of how they arrived at this conclusion. He said he would have Shellpoint make that information available to me. On XXXX. XXXX I attempted to make a payment via phone but was transferred into various loops that said no one was available to speak to me. I believe Shellpoint has no intentions of provide a loan mod. I have $ XXXX in equity and their intent is a financial advantage. I have requested many times that I be allowed to pay my own taxes. That alone would give me some relief. They refuse. My XXXX statement now shows an increase of {$7.00}. While this is minimal, why did my payment increase? One of the issues with this company is that they never put anything in writing and each time I speak to a representative, the story changes.
Product: Credit reporting or other personal consumer reports

This is my third or fourth complaint submitted to the CFPB regarding TransUnion, as well as, XXXX, and the mistakes they need to correct on my credit report. I have been back and forth with many of their customer service representatives and have also reached out to their management via email. I was told that I would receive and update after the pending reviewal of my credit report and the corrections to be made. Although, I never received any update besides the response they gave to my previous complaint to the CFPB and no corrections were made on my credit report. 

I am a victim of ID Theft and am including the documents I have as proof. My personal information has been compromised and used by someone other than me and they opened fraudulent accounts without my authorization. 

The following accounts were opened fraudulently without my knowledge and must be DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$10000.00}