23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company willfully and knowingly have violated my federal consumer rights, I never consented to this company having my personal information, that's an infringement on my right to privacy. This company reported unverified and inaccurate information to the credit reporting agencies. I, consumer requested validation of debt of this debt from Resurgent Capital/LVNV Funding and did not receive the validation of debt according to FDCPA. This company deleted the alleged debt because of wrongful activity.
Product: Credit reporting

Was a cosigner and instead of checking main applicant, salesman took it upon himself to totally check my credit without notifying me until the day to sign I find out the loan was all me instead of the actual individual that I cosign for. That is why I have so many hard inquiries. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to XXXX5 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, around the hours of XXXX XXXX  to XXXX XXXX, a hacker accessed my google chrome/gmail account and home network IPs to login to my XXXX account/data, leading to accessing my paypal account. My paypal account was not linked to XXXX, so they must have had passwords from other methods. 

After using my data to search through several websites, they found their way into the paypal system and withdrew {$5300.00} from my linked bank into a paypal account labeled, " XXXX XXXX '', for a " hospital bill ''. This transaction was denied by the bank, but paypal refused to reverse it and applied the negative balance to my paypal account. They are claiming, that because the IP # 's match, that it was a legitimate withdrawal on their end, and refuse to reverse the transaction. They are also claiming that this type of transaction is not covered by their buyer protection program. 

In this case, the fraud occurred twice. The first time, when the hacker was able to use my home network and access my linked accounts, leading to a withdrawal of {$5300.00}. The XXXX fraud occurred, when the bank rejected the transaction, and then paypal reapplied the transaction into my personal paypal balance.

Paypal refuses to find out where that money/withdrawal went, and is holding my account responsible. They are not providing me detailed information regarding this specific transaction. The only information I have is that what I described above. 

Within XXXX hours of the {$5300.00} withdrawal, there were other, small value Fraud transactions below {$100.00}, which, when reported with the original fraud, paypal reversed it within XXXX minutes. For whatever reason, they refuse to acknowledge that the {$5300.00} withdrawal was fraud as well, and reversing this transaction.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Checking or savings account

Hi I opened a Capital one 360 Savings account on XXXX XX/XX/2022. I invested {$100000.00} so I would qualify under the XXXX promotion, which I received notice of through my credit card account. 

The promotion clearly stated that you had to invest the money within 15 days of opening. I opened an account and the account was funded the following day. It stated you had to leave it for 90 days and then up to 60 days after the 90 days, you would receive the bonus. There was no mention of having to wait 15 days before the 90 days to start. If this was the case- unless you are deliberately trying to mislead and scam people why wasnt this clearly stated in the same line as you have to leave the money deposited for 90 days. Additionally I did review the alleged fine print, there was no mention of this. 

I have attached a copy of the XXXX promotion I received. 

On XX/XX/XXXX after approx. 94 days I transferred the money into a Capital one CD ( and even added to it ), so obviously I didnt need the money. If I had known I had to wait approx. 8 more days to receive, dont you think I would have? 

On XX/XX/XXXX I called Capital One, as more than the required time had passed and I had not received the {$1000.00}. I was informed I didnt qualify as I hadnt waited long enough. 

Eventually, after being told this repeatedly by a Customer Service Rep who didnt seem to understand what I was saying, I was put through to a specialist who was sympathetic to my request and appeared optimistic, but said she did not have the authority to authorize the {$1000.00} and that she would escalate it and I would get a response within 2 weeks Case Ref : Ref : XXXX On XX/XX/XXXX I received an email stating that the time required was actually 15+90+60 days and my request was denied. This was definitely not clear at all. I notice Capital One has changed/clarified the requirements in place for their latest promotions, but this was not the case in the XXXX promotion. 

I dont feel I should be penalized for Capital One trying to mislead/scam me. Of course I cant even withdraw my money in protest at the way I have been treated, as this would mean giving Capital one several thousand dollars in early withdrawal penalties. There is little point in even giving them a bad review, as apparently I have already been beaten to it. Capital One had 1.5 XXXX rating and a 1.0 XXXX XXXX rating, so I guess they dont care. 

I am retired so this a way of generating income. 

This transaction was made in good faith and I believe they deliberately and knowingly gave misleading and incorrect information, especially as I did not withdraw this money, I in fact, added to it and transferred it to a CD account with Capitol One. 

Why would I have moved this money into a CD on XX/XX/XXXX, if I had known I had to wait until XX/XX/XXXX ( the qualifying date according to Capital One ) to receive the {$1000.00} bonus.
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX XXXX XXXX XXXX XXXX reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Debt collection

THIS IS AN ILLEGITIMATE DEBT I HAVE AGREEMENT AND INSURANCE WITH THE COUNTY SEE INFORMATION ENCLOSED. I SPOKE WITH THE COMPANY AND THEY SEEMS TO IGNORE IT.
Product: Debt collection

As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. 
The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. 
Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. 
The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price.
Product: Debt collection

The credit card company keeps calling every two weeks to make sure I 'm paying my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 while browsing cars on Carmax, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, know that this information is incorrect on my credit report. 
I have disputed this information over 11 years ago. This account was not open XX/XX/XXXX, documentation can be provided, on this day I was in OHIO, checking on my son with my husband, We still have our plane tickets. 
Equifax, and XXXX received a cerifited letter XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( my 5th dispute ) This item has been on my credit report more than 10 years but Equifax just keep updating it with the wrong date the account was open XXXX XXXX XXXX XXXX XXXX, XXXX ( 5 yrs, 4 mos ) -- - I was never in the office XX/XX/XXXX, XXXX out of the state The account could not been open on this date, due to the fact I can provide more information that it was dispute over 10 times within the last 12 years. 

Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've attempted to obtain SCRA benefits for my account multiple times, and each time after providing American Express with the document requested ( XXXX XXXX orders ) nothing happens with no explanation. I am quite frustrated American Express is treating their legally required duties with the least amount of effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told that I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX up. 
I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX   fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Due to XXXX Data Breach Dear Sir or Madam, I am submitting this formal complaint regarding inaccurate late payments reported on my credit report. These late payments were recorded for my account with Credit Acceptance ( Account Number : XXXX ), and they were the result of fraudulent activity caused by the XXXX data breach, in which my personal information was compromised. 



The following is a list of the disputed late payments : Creditor Name : Credit Acceptance Account Number : XXXX Late Payments Reported : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I am exercising my rights under XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ), which allows me to dispute inaccurate information on my credit report. These late payments were caused by identity theft, and I am requesting that the CFPB intervene to ensure that these inaccuracies are corrected. 



I have already submitted a dispute to XXXX regarding this issue but am seeking your assistance in making sure these late payments are removed from my credit report due to their fraudulent nature. 



Attached to this complaint are the following supporting documents : 1. A screenshot confirming that my personal information was compromised by the XXXX data breach. 

2. Payment account records showing the accurate history of my payments.

3. A copy of my credit report, with the disputed late payments clearly highlighted.

I respectfully request that the CFPB investigate this matter and assist in ensuring that these incorrect late payments are removed from my credit report. 



Thank you for your time and consideration. I look forward to your prompt response and assistance in resolving this issue. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also requested all corporations to fill out a form 1020 and return back to me and still haven't gotten it
Product: Mortgage

My Wife and I purchased our home XX/XX/XXXX on XX/XX/XXXX our loan was transferred to XXXX XXXX on XX/XX/XXXX our new mortgage provider Flagstar Bank sent a letter asking for proof of Flood insurance. I contacted my insurance company and explained to Flagstar Bank that my Insurance was a combined policy and I did not have a " stand alone '' policy for flood insurance. 
on XX/XX/XXXX Flagstar Bank again sent a request for Proof, which I contacted them, and my Insurance company and had the information sent again. During a phone conversation I was told that my Flood  Policy was substandard and didn't meet FEMA requirements, I again contacted my Insurance Company who told me that my flood insurance was acceptable. 
on XX/XX/XXXX Flagstar Bank again said they needed the proof of insurance, and during a phone call I was instructed that they do not accept bundled policies. 

I have received nothing more until XX/XX/XXXX when I received the escrow statement, and I noticed a payment of Flood insurance on XX/XX/XXXX. 

I have homeowners insurance with flood insurance, and I feel that Flagstar Bank is Forcing me to pay for their insurance when the policy I currently have is acceptable, as it the same insurance that the seller had when we purchased the home. Since Flagstar paid for their flood policy out of my escrow account there now is a deficit and " My '' insurance is due XX/XX/XXXX. This is intentional. as I can not have two policies on the same property, they desire my policy to lapse.

Upon further review I noticed that there is not a single piece from Flagstar Bank explaining why my Policy was substandard. I only got that information via phone conversations.
Product: Debt collection

My girlfriend at the time was served with court papers. She advised the person I did not live there at this time and she threw the papers at her. I attempted to get the original debt information and they refused. They stated they are attorneys not debt collectors and would not provide this information. They advised me that if I refuse to provide my personal information they would not work with me on monthly payments.
Product: Credit reporting or other personal consumer reports

ive been a victim of ID theft and ive tried multiple times to dispute these items off my credit report however transunion, XXXX, and XXXX will not remove these items, its been more than 30 days since i sent in my disputes, i wish to have these items removed ASAP, enclosed with this complaint is my ID theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 XXXX and Equifax only removed 1 and  are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on XXXX and Equifax not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
Product: Checking or savings account

XX/XX/year> fraudulent transactions were made on my account total amount {$5000.00}. First one in the amount of {$1000.00}, and nine more in the amounts of {$500.00} to a XXXX XXXX XXXX XX/XX/year> XXXX fraudulent transactions were made to nataliea toombs in the amount of {$99.00}. Both times my account was frozen or restricted due to my disputes with no access to it and both times they reported back with no fraud was committed. Im filing another dispute to try and recover funds and due to failure on their part to notify me that suspicious activity was being committed on my account, and to top it off they do not want to return my hard earned money. It is very upsetting, on one of the calls I was transferred 6 times then hung up on.
Product: Mortgage

In my conversation with XXXX on XXXX XXXX, 2017 and requested a payoff amount valid for up to thirty ( 30 ) days and I still have not received it, therefore, I am formally requesting a payoff quote be fax to my attention at ( XXXX ) XXXX. In addition, please send to me via the same methodology via facsimile to ( XXXX ) XXXX the complete payment history of all payments made on this loan from its inception ( beginning ) until the date you signed for this Certified Letter.