23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received phone calls from the same number out of XXXX XXXX, California (XXXX) on XXXX XXXX at XXXX, XXXX, and XXXX.  I usually don't answer these types of calls, but the last two times I did because I actually had an issue with a parking ticket in XXXX XXXX when I visited there back in XXXX, so I wanted to make sure the call was not about that.  Both times that I answered no one on the other end responded.The same number called again on XX/XX/XXXX from someone saying they were from Midland Credit Management.  They claimed they were calling me in regards to a debt on a XXXX XXXX  XXXX  that was closed back in XXXX???  They had information that I owned the card from XXXX  until XXXX  (I believe this is true…I did have a XXXX   card around that time that was cancelled by XXXX  due to inactivity), and that the account was closed by another party in XXXX.  They threatened that if I didn't pay the debt they would make a denunciation on my credit report???  First I told the woman on the phone that all of my bills are currently paid.  She insisted that I have a debt that needs to be paid.  I asked them how it is that I am receiving a call now about an account that was closed in 2011…this makes NO sense!  The woman again told me I have a debt to pay.  I asked her to clarify what this particular "debt" is for, and she said it was for a roughly $80 past charge on the account which was closed in XXXX?  I told her I did not understand what she meant, and I asked what the charge was exactly for.  She told me to hold while she looked up my account information, and after a little over two minutes on hold (I heard the woman clear her throat a couple times) she hung up on me.  They have not called back in the 7 hours since.My biggest concern is that I know my XXXX information was breached during the recent cyber attack against them. The fact this woman had my account history that could have come as a result of this breach makes me wonder if this company is linked with that cyber terrorist attack, and why I am making this complaint.  I did a little research myself and see that this “company” has been harassing people with false claims since XXXX.  Something needs to be done to shut this down!!!
Product: Credit reporting or other personal consumer reports

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. Has violated my rights. 
I looked at my TransUnion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 card

Capital One sent me a Saks Fifth Store credit card, which was lost in the mail and the company gave me a temporary card online to shop with. My issues began with them when I could not pay my monthly bill on the card because Capital One was requesting information from the new card that did not arrive before my payment due date. I paid the credit card bill but it was after the due date when I received the new card. I appeal to Capital One through their agents to waive the late fee charge but all to no avail. Again, CapitalOne refused to mail me a paper bill that I signed up for, and as a result, if I don't check my email, then a late fee will accrue on the bill. finally, Capital One charged me {$58.00} for late fees and all this took place after I had paid off the credit card. 
I, 'm requesting Capital One to return the {$58.00} late fee charge to me. 

The account number is XXXX Saks Fifth Avenue credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX  XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX BalanceOwed : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 

Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse XXXX XXXX, All Natural Inalienable Rights Reserved Delete the following inquiries from my TransUnion consumer report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX D.O.B : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : Requesting a Method of Validation Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

Please see attachments. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX
Product: Mortgage

Immediately prior to COVID, we were working with PHH Mortgage/Ocwen on a modification plan. We had fallen behind on payments as ( then ) Ocwen had told us to pay once we receive its statements but its statements were sent to a wrong address rather than the address of record. Modification was approved, but our relationship manager specifically instructed not to pay as she said there were internal irregularities with the loan paperwork. She said she was fixing the problem on an expedited basis ( w/I 3-5 days ) so we may proceed with the modification. 2 days later, they recorded a foreclosure notice against our family home. We have since fought them for a modification. Each time they approve one, and we meet all conditions, they find a way to put us back into a new modification trial period. Recently, after we made all trial payments on time, they refused to send us the modification paperwork to sign, then reversed the modification for not signing the paperwork they refused to send. After fighting them again, they started a new modification trial plan. We made our 1st payment on time, only to learn ( when we tried to make 2nd timely payment ) that they reversed the approval because their agent made an error in processing the 1st payment. We only learned of that when we contacted them to make the 2d payment. They never tried to contact us ( thru any means ) to verify the bank account info. Instead, they automatically placed the account into active foreclosure status. They are refusing to communicate with us or solve the problem. They are missing scheduled appointments. They are refusing to put a hold on the active foreclosure as we try to communicate and resolve the problem. Both my husband and I are elderly and are severely XXXX. This company continued to delay in order to force us to either pay the entire sum in full or lose the house in foreclosure. Please note that we have tendered payments all along ( since this problem started ) but they refuse to accept payments in order for the payments to add up to a point where we can not pay or lose the family home. Please help.
Product: Consumer Loan

My grandmother XXXX took a loan to refinance her home. When she took out the loan it was with XXXX. That bank has since switched to PNC. In 2011, my grandmother passed away. The executor of the estate is my mother XXXX. The home was willed to me. I have been paying on the loan for my grandmother since before she passed away. PNC will not give my mother or myself any information regarding the loan. They are stating that we need to tell them how much the loan was for. However, my grandmother has long passed and took that information with her. My mother and I believe that we are really close to a payoff amount and would like to have the information to pay the loan off and get the title. However, the bank is giving us the run around and wont give us any information, though my mother is executor of the estate, regarding the loan or the payoff amount. PNC is withholding information regarding the home and will not allow us to pay the home off to obtain the lease. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ignoring & Breaking the XXXX will NOT go unpunished! I am BEYOND exhausted with having to dispute the same erroneous & inaccurate reporting to my credit files over & over again! 
Equifax XXXX XXXX, I provided both of you XXXX, many times, that these statuses & statements on my credit reports were erroneous, inaccurate & illegal. You chose to IGNORE my Proof & take XXXX 's word, with NO proof of ANYTHING ... more violations. Even prior to the pandemic, XXXX & I were engaging in court proceedings for Mediation to agree on & finalize a Mortgage Modification, NOT A FORECLOSURE. 

Apparently fining you all is the only thing that will help you obey consumer Laws & STOP you from violating my consumer rights! 

I attended my XXXX XXXX for a status hearing for my Mortgage.m on XX/XX/XXXX @ XXXX. 
Your attorney was present to confirm this information. 

Although I sent proof to you NINE times, In court today, your attorney claimed to have zero knowledge of my application submission to XXXX XXXX. I found this UNBELIEVABLE, but not surprising, given your business practices. My representative provided him & the judge proof... AGAIN. 

Therefore, As of XXXX, XX/XX/XXXX, a STAY has been issued for my the Foreclosure. What is a STAY of Foreclosure? This is anorder by a court that suspends ALL foreclosure proceedings, until DC XXXX has approved or denied my application. If I'm denied & choose to appeal, I am further protected until a decision for the appeal has been made. I informed you all NINE times about this law : XXXX XXXX XXXX. My protections are XXXX clear. I will upload the XXXX XXXX from today 's status hearing. 

Furthermore, as of TODAY, XX/XX/XXXX, my Equifax, XXXX XXXX XXXX need to reflect this Accurate and True information, per the Court Order : XXXX. My Mortgage Account status is XXXX. 

XXXX. As of XX/XX/XXXX, due to the pandemic, a XXXX XXXX has been innolacr for ALL homeowners affected by the pandemic. I am a homeowner affected by the pandemic. 

XXXX. There is absolutely NO current Foreclosure initiation nor proceedings, nor Bank Adjustments, nor Deed-in-Lieu, nor Bank Liquidations for my XXXX XXXX 
By XXXX : XXXX XXXX XXXX, you are not permitted to do either of the aforementioned. 

XXXX. I'm not disputing the delinquencies. So STOP using them to justify BREAKING the XXXX XXXX LAW : XXXX XXXX and reporting erroneous & inaccurate information. All of this is XXXX. 

According to 15 U.S. Code 1681, 15 USC 1692e ( 2 ) ( a ), You have willfully violated my consumer rights. If you fail to correct my mortgage account status to OPEN for all 3 major bureaus AND remove all inaccurate, erroneous statements of Foreclosure, Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX major bureaus in 15 Days, according to the LAW : 15 U.S. Code 1717a, you will be held accountable and fined to pay {$1000.00} per violation. I reserve the right to commence in legal proceedings to recover the damages without further notice to you. This letter may be tendered as evidence of your failure to comply. 

Warm Regards, XXXX : XXXX Without Prejudice All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, the company XXXX XXXX XXXX States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax and was given the following reference number - XXXX. Within XXXX hours it was denied and they stated they believe the XXXX XXXX inquiry was legit and they will not remove. I called on XX/XX/year> and spoke with XXXX she told me to print out a dispute paper and mail in a copy of my social security card and drivers license. With this being a identify theft case, why would I do this? She responded that Equifax is different from XXXX and XXXX that they will not investigate unless I mail them these photo copies. 
I spoke with XXXX and they confirmed they have placed as fraud. This still isn't enough for Equifax!
Product: Mortgage

I applied for refinance and locked with Citibank end of XXXX. I paid for appraisal, provided all documents and everything has been approved. I was told my closing would be XX/XX/17 ( 90 days ). In XXXX they changed closing date to XX/XX/XXXX. Now they have changed closing date to XX/XX/XXXX. They pulled my credit again yesterday without my permission. They still can't give me a closing date ; they hope XXXX. I have missed out on interest savings. They have mislead me the whole way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There are 6 accounts reporting to XXXX which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the banks and they agreed to not report the accounts on my file. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They violated my rights as a consumer under 15USC1681B
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. 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 Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was discharged through XXXX XXXX  bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for XXXX and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX about changing the incorrect information nothing has been changed after 30days and after dispute through experian no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my experian credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.
Product: Debt collection

Capital Accounts ( https : //usecapital.com/ ) reached out to me to collect the {$200.00} medical debt from XXXX  office. It turns out XXXX   office had my address wrong ( hence I never received the bill, and they never bothered to call me up until the bill got to collection agency ) and capital accounts collection agency found me by phone and was doing the following : 1. threatening me and my safety 2. charged me outrageous interest ( 20 % interest for 30 days of no-payment ) 3. claiming that they had the right address when in reality the address that they ( and XXXX  office ) were trying to contact me doesn't exist ( they were sending letters to XX/XX/XXXX str that doesn't exist in XXXX XXXX ) 4. calling me on weekends and outside of working hours 5. being extremely unflexible, unfriendly and unwilling to cooperate
Product: Money transfer, virtual currency, or money service

I produce music and I was purchasing a beat placement from an artist, which is completely normal. On XX/XX/XXXX, I sent {$5000.00} via cashapp and was promised the songs and money back by XX/XX/XXXX, and I have yet to receive any services or payment, I have provided screenshot proof in the attachments below. This individual told me if I sent him {$5000.00} I would receive a check in the mail from his music label by XX/XX/XXXX and a music video to compensate for the work we both put in, and now this individual is ignoring me and not providing the service promised or the money back. He claimed the check was lost in the mail and if I sent {$2000.00} more it will be on the way, which is clearly not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted a CFPB Complaint # XXXX informing you of your improper use of my consumer report. Several investigations were opened as a result. To be in obtain, possession of, share and use another persons identifiable financial information, the law requires you to have consent of that person. In regards to the financial information associated with the account listed in the attached notice you did and did not obtain the consumers consent directly or indirectly from the thereto mentioned Data Furnisher/Customers who provided it to you. As a result I have filed a lawsuit against you in the XXXX XXXX Court House and I am attaching a copy of the summons to this complaint in a attempt to resolve this matter privately and amicably. A formal copy of this notice which includes the court summons is being sent via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE THE ATTACHED )