23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX   Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I overpaid the credit card {$9000.00} last XXXX. The account was restricted by Capital One. The case number is XXXX. 

I understand Capital One has fraud concern about these payments. I tried my best to work with Capital One to prove the payment was real, not from fraud transactions. I gave Capital One the statement from where the payment comes from, and did four-way calls to validate the owners of the accounts. 

Last week, Capital One said my account restriction was removed, and I'm asking the refund check from Capital One. They said they will work on it. I never heard back from them again. 

This week, I called again to Capital One, I was told the account was restricted again. The customer service told me I provided all the information Capital One needs, and they were still trying to remove my restriction. I'm so confused about the status of my account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and learned that I have been a victim of identity theft. This is hindering me as I am currently trying to purchase a home. Please remove these fraudulent accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 
XXXX US BKPT CT XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 
I request that this information be blocked and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 section 602A states I 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 with out my written instructions. In accordance with the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. At this time Equifax is reporting a collections account with only the account number, date opened and updated along with a balance. There is no other information to show this is a legit account. The account number is XXXX, opened date XX/XX/XXXX, updated on XX/XX/XXXX with a balance of {$480.00}. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Bank account or service

I applied online to open a bank account and I failed questions in public domain about things that have nothing to do with me. I called HSCB Bank and they did nothing to resolve the issue. XXXX
Product: Checking or savings account

On XX/XX/2019I opened a Bank of America Checking Account using the promo code #XXXX, a code that was specifically unique to me using a physical mailer. I opened this account with verification code #XXXX.This targeted promotion was for a $XXXX checking account bonus after having direct deposits totaling > $XXXX in the first 60 days. Here is a timeline of what happened:XX/XX/XXXX: Account opened using promo code #XXXXXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: Received $XXXX bonusXX/XX/XXXX: First call regarding missing $XXXX. Customer service rep indicated she could not find any information regarding the bonus but to be patient and it would appear.XX/XX/XXXX: Second call regarding missing $XXXX. Customer service rep said bonus would appear within the next week.XX/XX/XXXX: Third call regarding missing $XXXX and escalated up customer service. Customer service indicated they had no record of the promo and that I was not targeted. Customer service rep said in order to get this missing money I would need to go into a branch to argue with the bank manager about this.After satisfying all of the conditions, Bank of America has no paid out the bonus to me which they initially were advertising. Bank of America has paid out the public bonus at the time; however I have received mixed information about the targeted bonus.
Product: Mortgage

I was double charged on my escrow for the home insurance payment last year - {$800.00} on XX/XX/XXXX and then {$810.00} on XX/XX/XXXX. My husband and I tried contacting the Mortgage Company ( Flagstar ) to see what happened - apparently the first check issued ( {$800.00} on XXXX ) is not enough to cover the total due amount. 
Flagstar issued a second check on XX/XX/XXXX for {$810.00}. Flagstar deducted both in our escrow. 

On one of the calls Flagstar was saying both checks has been cashed in by the insurance company ( XXXX XXXX ) based on their records. On another call where I was with XXXX XXXX ( insurance company ) and Flagstar Bank ( mortgage company ) - XX/XX/XXXX sometime XXXX to XXXX XXXX, XXXX XXXX confirmed they did not cash in the other check ( {$800.00} ) and the representative from Flagstar Bank confirmed that the other check was not cashed in. Flagstar said they will check with their department. Maybe 2 to 3 weeks after that my husband called and he was able to talk to a team leader from Flagstar - the team leader said they will try to ask approval for a refund from their leadership/upper management. Today, XX/XX/XXXX, I did a follow up on the refund request and the representative I talked to didn't even tell me anything about it. He said they'll have to contact the insurance company again. It's like they don't keep a trail of what is happening in our case or they just want us to run in circles. I asked him what the status of the refund request was, and that's the only time he said it was rejected! He was purposely leaving out that information from me, it is so frustrating. I work fair, I pay fair, and I live fair. I just want back the money that is rightfully mine. 
Up to this day we did not receive anything - not a check in the mail or not a refund in our online account.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report that are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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.
Product: Vehicle loan or lease

Vehicle was a voluntary repossession due to Covid and the lender has it listed as repossession with a balance. 

Vehicle was sold to another party.
Product: Credit card

Capital One sent me a card and it was a credit limit of {$300.00}! When I tried to use it, it declined. I called the company and asked why and the representative said, because I didn't meet their standards! How didn't I meet their standards, but they sent me a Capital One credit card! They got over on me and I will reach out to the attorney general, due to my credit being ran, deception and discrimination. I can not be denied credit due to the law. I even sent a Adverse Action, letter according to the law! And I still was denied credit. According to the law, Adverse Action 15 USC 1681 ( d ) ( 6 ) - is the law that they need to read. It is ILLEGAL TO BE DENIED, BUT yet.. they ran my credit... and was still denied! This is a LAW THAT WAS BROKEN! AND CAPTIAL ONE Frauded and discriminated against me, because I was an applicant. Therefore, banks are required by LAW TO provide funding! The have revoked my rights as a citizen and have broke the law! These acts have cause defamation of character and denial of credit! These are some of the damages that Capital One has done! That said, actual damages to my credit report has cause serious issues to my livelihood, because of their negligent which is a violation! These issues are under the FCRA and ought to be handled accordingly. I was basically discrimination against, 15 USC Code 1691 ( a ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any ASPECT OF CREDIT TRANSACTION.

IN ADDITION, ACCORDING TO THE LAW ... 1002.4 GENERAL RULES.

Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding ANY aspect of a credit transaction. The Law speaks of creditworthiness, administration of accounts, and treatment of delinquent or slow accounts. 

This should also be taken up with the Attorney General and the FTC and Banking Institution, because Capital One is operating in FRAUD!
Product: Debt collection

I would like to dispute a collection account with credence resource management. They claim I owe a {$1000.00} debt to a company named XXXX, for an account that originated in Michigan. I live in California. I have lived in California my entire life, 40 years. I have never been to Michigan, I know 0 people in Michigan.

1- I have never had an account with XXXX. I called XXXX, and they have 0 history of my ordering service. 
2- Your collection company told me the original account was located in Michigan . I have never been to Michigan. I live in California. 
3- I have contacted XXXX  , XXXX  and XXXX.

4- I have contacted a lawyer and given her all of your companies information. 
5- I am seeking other forms of legal aid and will not stop until this is resolved. 

THIS COLLECTION IS FRAUDULENT AND I WILL NOT STOP UNTIL THIS PROBLEM IS RESOLVED!!! 

XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00}
Product: Payday loan, title loan, or personal loan

I applied for a XXXX loan in XX/XX/XXXX and can't seem to ever pay this off and, it is now XX/XX/XXXX and I still have seen no decrease in my pat back interest is at like 800 %!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. MEDICAL DATA SYSTEMS INC : Status Collection account. {$1900.00} past due as of XX/XX/2023 ( THIS IS NOT MY DEBT )
Product: Credit reporting or other personal consumer reports

I noticed that several companies accessed my credit report multiple times within the same year without my consent. Additionally, there were others that I was completely unaware of. 

SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union, XXXX and XXXX keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX XXXX. For XXXX I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.
Product: Student loan

Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. 

Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. 

Please assist me in recovery of the damage this has caused my creditworthiness.
Product: Mortgage

I made a payment of {$290000.00} on XX/XX/2023. I wanted it all applied towards principal. But chase treated it as prepayment of interest, which benefits them but hurts me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.
Product: Student loan

In XX/XX/2006 I opened a student loan with Sallie Mae for XXXX to aid in funding my post secondary education. Over the past 12 years that balance has more than doubled to XXXX. I feel this is absurd. Sallie Mae, now Naviet has forced me to contend with the forbearance option of this loan and continues to capitalize the interest. I have made several attempts to pay down this balance and have made more the XXXX in payments over the past several years. This is becoming an absolute burden and Navient appears to be unwilling to work with the client to help pay this balance down. I have provide a statements to aid in this dispute along with the most recent rate reduction document.
Product: Credit reporting or other personal consumer reports

TO WHOM IT XXXX CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Inquiry date : XX/XX/year> PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER XXXX XXXX XXXX XXXX. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1  ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
Product: Checking or savings account

I began receiving emails on XX/XX/24 that an account had been opened in my name with Chime. I have never opened a Chime account or given Chime any of my personal information. They had all of my personal details including my name, phone, email, personal address, date of birth, and social security number. When I called the cancel the account, the rep refused to give me any information unless I gave them my DOB, SSN, and email, basically all the information needed to fraudulently open more accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 someone applied for a XXXX XXXX XXXX XXXX credit card in my name using my personal info. XXXX ran a credit report inquiry and called me to see if I initiated an application for which I said no. Thet said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by XXXX XXXX, reference # XXXX.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from Transunion,  XXXX  and  XXXX  to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  with  XXXX ,  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with Transunion. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.