23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX  and XXXX  Credit Bureaus is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

The sequence of events began with the me making a good faith offer to settle a debt in question. This offer was extended with sincerity and willingness to resolve the matter amicably. Capital One, the creditor in question, accepted this offer, signifying an agreement to the terms proposed, resulting in the issuance of a payoff letter and the title of the vehicle. This act confirmed the completion of the settlement process and the satisfaction of the debt owed to Capital One. I rightfully obtained ownership of the vehicle in question. 

However, despite the debt being discharged and the settlement being finalized, my vehicle was stolen, by Capital One. They purportedly repossessed the vehicle under the guise of fulfilling the previously settled debt, despite the debt having been discharged and the settlement executed in good faith. 

This raises significant questions regarding the legality and ethics of Capital One 's actions. The acceptance of the settlement offer and the subsequent issuance of the vehicle title implied a resolution of the debt, rendering any further repossession unjustifiable. 

This situation represents unjust enrichment, breach of trust and raises concerns about Capital One 's practices in enforcing debt settlements. They have received vehicle and full payment for the vehicle.
Product: Debt collection

I was a tenant ( XXXX XXXX XXXX ) with the original creditor for over 5 years. Left a forwarding address ( provided approximately 30 days prior to vacating premises ) for purposes of any incidentals. Never received any written notice of incidentals or amount due from XXXX XXXX XXXX  and never received any written notice of money owed or notice of collection from " Collection Bureau of XXXX ''. Collection company ( and its employing creditor ) reported a debt that was never disclosed to alleged debtor.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  about a payment plan option that is set to expire on XXXX XXXX. I wanted to choose option 1 for a full lump sum payment in full. I spoke with a representative named XXXX who could not explain why I received a collection on my XXXX credit report which dropped my score XXXXXXXX XXXX and it was only XX/XX/2023. He could not explain why so I requested a supervisor. A supervisor named XXXX XXXX spoke with me and informed me that they can actually report that to the credit bureau after having my account for 90 days. He then told me that they received my account on XX/XX/2023. I replied that 90 days would be XXXX XXXX and today was XXXX XXXX so it was not 90 days. He put me on a brief hold and then came back and told me it was 40 days and that my 40 days was expired. At that moment I felt that something was not right and that it may be thousands of other people who rights are being taken advantage of and being violated. Please see attached documents for verification and the phone call was on a recorded line at phone number XXXX on XXXX XXXX. 
Thank you so much for your help and investigation into this matter. My plan was to pay it before the XXXX XXXX deadline however it was already reported and had damaged my credit score significantly before that date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Debt collection

I just received a phone call from someone whom these people called looking for me. While I was on the phone with them I looked up their company and found all this information about them scamming people therefore I also would like to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Dear XXXX, XXXX, Equifax I am writing to formally dispute XXXX accounts on my credit report that were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that you block this fraudulent information from appearing on my credit report. 

The accounts in question are as follows : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Account XXXX on XX/XX/XXXX, XXXX XXXX of AR account opened XX/XX/XXXX These accounts were opened without my knowledge or consent, likely as a result of my personal information being compromised in a data breach. I have included the following documentation to support my dispute and verify the fraudulent nature of these accounts : A copy of my government-issued ID and proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit report highlighting the fraudulent accounts. 
A copy of an FTC Identity Theft Report and/or a police report regarding this identity theft. 
Pursuant to 15 U.S.C. 1681c-2, once you receive this request and the accompanying documentation, you are required to block the reporting of this information from my credit report and notify the furnishers of the fraudulent accounts. Please confirm in writing that the fraudulent accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 until the present, Zwicker and Associates has violated my rights. The following things happened.

( 1 ) Zwicker & Associates, PC, the company that is filing this claim has no consumer insurance license to collect in the state of North Carolina. According to the North Carolina statues 58-70-5, Zwicker & Associates must have a license in the state to collect. 
( 2 ) FDCPA rights has been violated under section 807 ( 2 ) XXXX XXXX has charge off this debt, and Zwicker & Associates now owns the debt, and this claim is filed incorrectly. Exhibit A shows that the debt has been charged off which means that XXXX XXXX has given up on collecting this debt. 
( 3 ) My FDCPA rights has been violated according to section 809 ( a ) 2-5, that they are required to send a notice of debt, and I never received a notice of debt or validation of debt. 

Zwicker and Associates is only licensed in 3 states and not North Carolina. This is a felony in the state of North Carolina.
Product: Debt collection

I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX  and XXXX and however has failed to remove the item from my Transunion report.
Product: Student loan

I am facing XXXX  unresolved issues with MOHELA : I have not received a refund for my overpayment of {$21.00} on my XXXX Direct Loan. 
A payment of {$800.00} made on XX/XX/year>, was debited from my bank account but has not appeared on my MOHELA account. 
Despite contacting customer service over 10 times in the past three months, no action has been taken to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX {$5500.00}
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an extension of credit on XX/XX/year> and was denied. I replied to the denial by requesting lawful reasoning for that denial both public and private and was told to go into a branch or call a loan specialist to file an appeal. On XX/XX/year> I called a Navy Federal Loan specialist requesting an appeal to the previous application. That Loan Specialist did not appeal the previous loan, she applied for a new loan using the same information from the previous information on that loan application. This is not an appeal, it is re applying! That loan was also denied and I received notification of that denial via email that gave the same information regarding calling in to appeal the decision that was made. 

I then placed another call to Navy Federal and spoke to a XXXX in the Loan Department. He looked at my account as I explained to him that I received notice via email to call in and file an appeal. I explained to XXXX that I called earlier to appeal the decision made on a previous loan application and was doing the same thing on the current phone call. He began to discourage me from appealing or re applying which contradicts the notice I received via email. In most cases this is considered blatant discrimination! Regardless of the reason for denial I have the right to credit and according to Navy Federal 's correspondence I also have the right to appeal if denied. This violates my rights under both the Equal Credit Opportunity Act and well as the Consumer Credit Protection Act. 

After the completion of the call with XXXX I no longer had access to my Navy Federal accounts. When I attempt to log in it again tells me to call Navy Federal or to walk into my nearest branch. The nearest branch is over an hour away and calling in has gotten me nowhere!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
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. 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  :, 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 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 or other personal consumer reports

I have not received a response and its been 30 days!!!! DELETE IMMEDIATELY ADVANTAGE 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  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. this inquiry is from XX/XX/2017. I do recognize one inquiry from the same company which was on XX/XX/2017, which i now have an account under. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry from XX/XX/2017, removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Mortgage

XXXX mortgage decided to decline my application 5 days before our closing date. I was then told I would need a co-signer. Fine. I am an out of state buyer, and continued to fly to the property because I was continuously told everything would be fine. I arrived in the state and waited XXXX! Before finding out they never even submitted the co-signer paperwork. Sellers were XXXX and had me sign saying Ernest money would not be refunded if no financing. At the time of writing this, I'm still out of state just waiting for Valon to approve or deny my loan. Possibly wasting all week, plane tickets, hotel costs and Ernest money. Their lack of communication is absolutely abismol and everything they tell me is never the full story. Valon had no clue when my closing date was, my loan processor didn't even know my email address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian and XXXX for Failure to Protect Consumer Data and Predatory Practices Dear CFPB, I am filing this complaint against Experian and XXXX for their failure to adequately address and protect my personal information after I discovered it had been linked to the black market. I have been dealing with this issue for over six years, and despite my repeated efforts to seek assistance, their response has been wholly inadequate.

Specifically : 1. Over six years ago, I became aware that my personal and financial information had been compromised and linked on the black market. I immediately notified both Experian and XXXX to seek their assistance in protecting my data. 
XXXX. Instead of offering meaningful solutions, Experian required me to pay a monthly fee to lock my credit file through their credit lock service. While this was positioned as a protective measure, I find it exploitative that I am forced to pay for protection against a breach I did not cause. 
XXXX. Over the years, Experian has provided no additional assistance to address the ongoing threats or ensure my information remains secure. 
XXXX. XXXX lack of response and effective consumer support has also been extremely frustrating, as they failed to provide meaningful safeguards or updates to help me manage the risk of identity theft. 
These actions, or lack thereof, highlight a pattern of neglect and profit-driven practices that harm consumers like me. It is unacceptable for credit reporting agencies to place the burdenand costof security on individuals, particularly when those individuals are victims of circumstances beyond their control. 
I am requesting that the CFPB investigate : Why Experian and XXXX have failed to provide adequate protection and guidance for consumers in situations like mine. 
The fairness of requiring consumers to pay for credit lock services, especially in cases where the consumers data has been compromised through no fault of their own. 
Their compliance with federal laws regarding consumer protection and data security. 
After six years of this ongoing issue, I am left with no choice but to seek your assistance to hold Experian and XXXX accountable for their lack of consumer-focused solutions. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX Department : I have spoken with a representative of XXXX XXXX XXXX about my not being person having made the charge. They asked for the last 4 digits of my social and said it corresponded with the information they had and that my mailing address was also correct. I told them I was XXXX XXXX XXXX and have owned my furniture for years and knew nothing about XXXX XXXX nor had I ever leased furniture in my life. 

They said obviously they had the correct information and were going to mail the additional information to confirm the charge. I have not received that information yet because I just found out about this charge and talked to them for the first time today. 

I have sent a copy of this Identity Theft Report to XXXX the collection agency trying to collect {$5800.00}, for the fraudulent charge from the leasing company XXXX XXXX XXXX made on XX/XX/2022. 

I called Federal Trade Commission, report number : # XXXX, to report the fraudulent charge and they issued an identity theft report which I am attaching. I have requested my credit reports from all three agencies but as of now and will receive them in about 2 weeks. I have no other issues with my credit cards or suspicious activity or charges on my bank accounts. 

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

there are inaccurate information such as accounts and debts reporting on my credit report. all credit bureaus have NOT sent any proof showing and proving that any account is mine and is accurate. I need every single account that has NOT been sent proof showing that these are indeed accurate to be REMOVED! THE NEXT STEP IF PROOF IS NOT PROVIDED IS suing.
Product: Consumer Loan

heftyHi, I been trying to work a settlement payoff with Midland Credit Management for the pass month and a half now. As I 'm writing this complaint, I 've been on hold for 1hr,25mins now, without anyone coming back to the line to follow up with me at all. Not sure what the policies, and procedures are, but what ever it is, Its not working well. 
However, I 've been wanting to work with MCM on an amount of XXXX which was offered to me at the end of XX/XX/XXXX to close out the XXXX account I have in their office. 
My first contact with MCM, I advised them that I have a very limited amt to work with, to be exact I had amt of XXXX, due to lack of income. I 've contacted them few more times after that, but no one seem to be willing, and understand my situation, not that I expect them too. I just would like to be treated fairly, I 'm sure they do n't place all their client on hold without a follow up for over an 1hr now. I wish someone would just come back on the line so I can settle this matter. 
I hope the way there are treating me at this time will not go unnoticed, the way they are conducting their business is ridiculous, its unheard of, I 'm surprised their doors are still open. 

I just wish someone would come back on the line, considering they close in 8mins ( XXXX EST ) that 's how long I 've been on hold without a follow up, WOW! Amazing! 

I hope CFPB, can retrieve the phone calls I 've made to them, so you can hear my willingness to work with them, and MCM, Not so much. 

I even had a rep question my intentions for wanting to settle the matter. 

So I 've been on hold now for a total of 1:28min Guess this matter will not get resolved tonight for lack of willingness on MCM 's side. 
Thanks MCM for wasting 1:35min of my life! 

I sure I 'm not the only one that has some thing nice to say about MCM ... 

I hope MCM will be fine a hefty amount for this unfair treatment!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 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 a account without my written instructions