23daVinci/CFPB_Complaints huggingface dataset:
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 TransUnion 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 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized and unverifiable : - XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXX XXXX ( XX/XX/year> ) Under **15 USC 1681b**, these inquiries must have permissible purpose and explicit consumer authorization, which have not been provided. Additionally, under **16 CFR 602.3*XXXX, the credit bureau XXXX XXXX accuracy and delete unverifiable information. 

I demand the immediate removal of these inquiries, as no documentation has been provided to substantiate their inclusion in my credit report.
Product: Debt collection

During the pandemic around XXXX of XXXX, I've been receiving some debt collection company Midland Credit Management ( MCM ), their office is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called this company during in XXXX but they wanted my to pay. I remember reported these issue back in XXXX or XXXX to XXXX XXXX Police Department but i have lost all the documents. 

I have no idea why this company is wanting collecting money from me, I remember a police officer XXXX of XXXX XXXX police ( email XXXX ) called me XXXX this year and reported that A person was arrested who unfortunately got my Drivers 's License but uses a different picture. That man 's name is XXXX XXXX. I am linking all this problem to him since he stole my identity. 

MCM send me a letter on these dates XX/XX/XXXX and XX/XX/XXXX wanting to collect XXXX MCM send another letters on XX/XX/XXXX XXXX is collecting XXXX and another leter is collecting XXXX I have some XXXX reports from XXXX credit bureau for collection that i also don't know the origin. 

I was advised by the credit bureaus to free my accounts
Product: Debt collection

According to my credit report, Enhanced Recovery Company purports they have the right to collect {$290.00} from me. They have been reporting this amount since 2019 without proper notifications sent to me. After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Enhanced Recovery Company regarding my name or an alleged account. I disputed this information and it was verified as accurate. 

Because the credit bureaus did not speak with Enhanced Recovery Company, this debt has been verified illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. They need to be reminded that, according to the FDCPA, they must follow certain procedures when attempting to collect a debt.
Product: Mortgage

On XXXX XXXX 2016 my house was up for foreclosure auction. I have been trying for years to get a lower mortgage to save my home. I have suffered financial hardships and proven them to the lender. They had no desire to help me save my home and have offered no help. I have complained about the lack of help before but nothing changed. Anyway I filed an emergency chapter XXXX bankruptcy to stop the foreclosure sale and was successful. I wanted lender to have more time to go over my latest refinance packet. I have the stamped piece of paper with a case number to prove that I filed before sale. I heard nothing from lender. Recently a notice appeared on my door telling me that I needed to vacate my home. The paperwork said that Nationstar bought my home back on XX/XX/XXXX and sold it the same day to an unnamed party. Both sales should not have happened. Nationstar knew about the chapter XXXX but proceeded with sale anyway. I believe they broke the law. I already believe they have unfair foreclosure practices. This was a new low. They are very crooked and very disorganized and very sneaky. The stress sometimes gets unbearable. Nationstar thinks they are above the law.
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my consent
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my credit score.

The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.
Product: Credit card

My credit card was assessed interest on XX/XX/year> for {$5.00} when I believed the account had a {$0.00} balance. Then, in the proceeding months interest was continued to be charged and continued past due. My credit account was then reported delinquent 30 days for XXXX, 60 days for XXXX, and 90 days for XXXX. I contacted the lender via telephone on XX/XX/year> and an interest charge fee waiver was granted for the interest charge of {$5.00} assessed on XX/XX/year>. However, the lender refuses to apply the fee waiver credit date to the date of the interest charge assessment which would cause the other interest charges on the account to be removed, and the credit reporting to be correctly reported as current.
Product: Credit card

I was referred to the Captial One Quicksilver card through someone who has the card already. They told me that if I was accepted for this card that they would receive a {$150.00} referral bonus and according to the referral link that I attached below I would receive a {$200.00} sign on bonus if I spent {$500.00} within the first 3 months of opening the card. I was approved for the card on XX/XX/2024 and used the card and reached the {$500.00} amount. The person that referred me to the card informed me that they received their {$150.00} referral bonus, but I did not receive my {$200.00} bonus. I called Capital One to ask why I did not receive it and they informed me I did not qualify for it. They have given no reason as to why I did not qualify for it even after I provided them with the information that every link I used when applying for the card indicated that a {$200.00} bonus would be provided if I spent the {$500.00} total amount within 3 months. The only other terms that I can see is that I could not have been a holder of a Capital One card within the last 24-48 months and I have never held a Capital One card up to this point. They have not responded to my questions asking for a detailed explanation on why I do not qualify. I have not heard back from them since XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I created a dispute through Equifax and XXXX  in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my Equifax report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my Equifax and XXXX report due to the error and lack of validity and errors when Equifaxand XXXX investigated it.
Product: Debt collection

My agreed amout to the credit agency was {$140.00}. I initially set up a payment plan for three payments of {$47.00}. I was able to make the full payment via the doctors office before my first payment came out. this was a week ago. I assumed they closed my account. A week after a payment was deducted from my account in the amount of {$47.00}. When i called demanding a refund, they changed the tune and said i owed {$190.00} instead and that extra was " maybe fees, interest etc ''. the initial {$140.00} consist of the {$110.00} that i owed my doctor and {$26.00} in fees that they charged XXXX i dont understand why i was changed {$76.00} in fees! this is insane. they refuse to give me a refund and no one has a proper explanation on why i was charged an additional {$47.00}. everything is recorded and i just want someone to get the phone records to see that these people are lying and deceitful. I would appreciate my refund. they should not run a busienss if they are all being dishonest.
Product: Mortgage

On XX/XX/XXXX I received and escrow analysis showing the account with SLS had a surplus in the account. The account was not current and the letter indicated that the check would be refunded when the account was brought current. As an executor of my mother 's estate I contacted the company. Made the payment to bring the account current. SLS shows the account current as XX/XX/XXXX. I was told I would have the surplus check within 2 weeks. 
Did not happen. I waited until XX/XX/XXXX to follow up again. I was told I would have the check in hand by XX/XX/XXXX. The delay was because they had not filled out the correct form internally to get the check released. 
Today is XX/XX/XXXX. I followed up agian and was told that they would be changing my escrow account in XX/XX/XXXX and they would look at sending the check out sometime next month. This is causing there to be late charges to the XX/XX/XXXX payment since these are the funds that were to be used to pay XX/XX/XXXX 's payment. They told me that was not their problem and they would also be assessing an additional late charge. I have been transferred from one person to another and placed on hold for over an hour. 
It is my understanding that they should have resolved the escrow surplus within 30 days. They have surpassed this time period and as a result of keeping our funds they are causing other late fees and charges. I just finished talking with them and they are going to see what they can do and will let me know when they find out. No time frame.
Product: Student loan

I have noticed that Nelnet has a " XXXX '' option that offers to lower your interest rates by 0.25 % if used. Why can they alter the original loan agreement and selectively adjust interest rates? I am not sure if I trust this service. Upon reading about other borrower experiences, it appears that Nelnet utilizes the " XXXX, '' feature to control where payments are applied, including, using the loan payments for the lowest-interest loans while allowing the higher-interest loans to accumulate. Some reviews indicated that the imbalance of focusing payments on the lower-interest loans while allowing the larger-interest loans to accumulate actually resulted in having to pay more to Nelnet overtime erasing the supposed savings of the 0.25 % reduction and in some cases increasing the amount paid over the life of a loan. This entire practice and option seem rather suspicious to me. If they have the ability to adjust interest rates at will, what is to prevent them from raising my interest rates currently? In addition, if they have this power, am I able to simply petition them to set my interest rates lower? Any information is greatly appreciated. Thank you!
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding their handling of my Capital One Venture XXXX XXXX account ending XXXX, which I have held since XX/XX/XXXX. Despite consistently meeting all payment obligations and complying with account terms, Capital One 's actions have caused significant and unjustifiable hardship. 

In XX/XX/XXXX, my card was unexpectedly declined during a transaction at a store. Upon contacting Capital One 's customer service immediately, I was instructed to verify my identity by submitting a front and back copy of my ID, which I promptly provided. Despite receiving confirmation that my documents were received and in order, my card remained restricted for XXXX months until XX/XX/XXXX, unbeknownst to me as I used another card. 

In XX/XX/XXXX, I followed up with customer service, was again asked to resend my ID, and this time I stayed on phone till I received confirmation of its receipt with an agent who assured me the issue would be resolved promptly. However, without further communication, I received a letter about XXXX weeks later on XX/XX/XXXX stating Capital One required additional unspecified information and was closing my account due to its non-receipt. 

This closure is particularly confounding as I maintain XXXX other credit cards with Capital One, ( XXXX XXXX ending XXXX and Quicksilver ending XXXX ) both in good standing, suggesting they possess all necessary information about me. Also I had provided everything they had asked me and still till today they never mentioned what additional information they needed that has caused closing my account./ After the account closure I have contacted Capital one various times but they never provided me any other information or reopened my account. 

The unwarranted restriction and subsequent cancellation of my Venture one Card, despite fulfilling all obligations, including promptly paying an annual fee, have severely disrupted my financial management and deprived me of accumulated rewards points. 


The harm caused by Capital One 's actions includes : Failure to refund the annual fee upon account closure. 
Loss of all accumulated rewards points. 
A XXXXpoint decrease in my credit score due to the elimination of a {$5000.00} credit line associated with the card. 

I firmly believe Capital One 's actions violate fair banking practices and warrant immediate intervention by the Consumer Financial Protection Bureau. I am requesting a thorough investigation into Capital One 's mishandling of my account, reinstatement of my Venture Card with full account privileges, reimbursement for damages incurred, and a transparent account of the reasons for its unjustifiable restriction and closure. 

Enclosed with this complaint are copies of my communications with Capital One, and other related documents Thank you for addressing this urgent matter promptly. I anticipate your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Starting in XX/XX/XXXX, Navient had my name attached to someone else 's social security number ( 1 digit off ). Her credit information was mixed in with my credit report with the credit bureaus. After several communication, filing an identity theft affadavit, etc. it was supposedly resolved. However, each year, they continue to harrass me and now PCR , Inc. ( Pioneer Credit Recovery , Inc. ) has continued to send me threatening pieces of mail stating I have to pay or they will garnish my wages, etc. 
Today, at XXXX XXXX CST, they contacted my neighbor and left a message for them to contact me to call them back. I am humiliated and outraged at this! I've called them repeatedly, the last time was XX/XX/XXXX when they sent me another letter using Ref Num XXXX, Creditor XXXX, Principal {$82000.00}, Interest Amount {$9300.00}, Interest Rate 6.62 %, Collection Charge {$11000.00} AND Ref Num XXXX, Creditor XXXX, Principal {$72000.00}, Interest Amount {$8000.00}, Interest Rate $ 6.62 %, and Collection Charge {$9600.00}. 
I am beyond frustrated that they have been allowed to harass me for 3 continuous years. I've taken all steps they requested to permanently remove my name, address, and any other information about me to this lady 's bad debt and now, they are starting up again. This is very upsetting and I fear they will contact my employer and create problems for me in my workplace when this has absolutely nothing to do with me AND they know this! 
PLEASE help me. I am at my wit 's end and am emotionally upset.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I found out that I was the victim of identity theft and quickly moved to freeze all of my bureau reports and lock everything down as much as possible. Luckily nothing serious happened outside of some bogus bank accounts that were opened. 

Since then I have aggressively been monitoring everything through multiple services and each of the credit agencies own websites. Around XX/XX/XXXX I logged into my.equifax.com and found that I was staring at the profile of a completely different person with the same first and last name as myself. They had somehow swapped my Equifax account with someone else despite all of our information being completely different ( and middle initial ). I obviously immediately contacted Equifax since this was a massive breach of personal info and privacy. Their response was to close my account and make me open a new one, which did switch me back to my own info correctly, however upon doing so I found that they had added a " XXXX '' to my name, maybe in an attempt to fix it. 

At the same time I started getting alerts from other credit monitoring services that they could no longer read my Equifax credit report, so obviously things were broken. I spent weeks disputing the " XXXX '' in my name an finally was able to get them to remove it, however my credit monitoring was still broken elsewhere so all they did was hide the " XXXX '' it seems like. 

It's been this way for months, until this week when I logged in and AGAIN they have my account swapped with the same person who has the same name as me. This is twice now in XXXX months. I've contacted them and again they have no explanation and no fix outside of closing my account, which obviously does not stop this from happening again like last time and will cause me to lose my XXXX subscription that is paid for through XXXX. 

To make matters worse, they added a fraud alert on the other persons account with MY phone number and will not change it since I'm not the other person. So now I have someone who I do not know setup for fraud alerts under my cell phone number that can not be changed. It's ridiculous. 

I've requested multiple times that someone over there actually look into the real issue as to why our accounts are getting mixed, but I'm met with no help. This whole thing has been extremely frustrating. I've had XXXX issues with any other agency, but Equifax is consistently causing an issue. It's amazing to me that they just gave me access to someone else 's entire life TWICE and have done nothing to ensure it doesn't happen again. What if I was a scammer or someone looking to commit fraud? I would have this poor man 's entire life in front of me. It's terrible and they need to fix their systems to ensure this doesn't happen again, but instead all they do is close my account. it's a massive breach of trust, PII, and security to keep operating like this.
Product: Credit reporting or other personal consumer reports

The specific account is on Equifax and is no reporting on other credit agencies of XXXX or XXXX. It was removed and re-inserted without proper notice. I never received any documents nor certified mailing to my home. No proper legal validation of the account. The account is listed on Equifsx and no other credit agency. Dates listed on the account is improper of account activity and it is incorrect. I have disputed the account one the past years and was denied of my right of receiving a proper and correct investigation. The account is erroneous and reporting incorrectly on 1 credit agency which shows improper not valid and inconsistency. I asked for proper steps on how the account was verified through legal validation from the credit agency. I didn't receive any documents that I asked for. No one cou8ld provide that information to me. I am not sure how I received so many inquiries please remove them they done belong to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following XXXX accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.