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

I am a victim of identity theft. 
on or about XX/XX/2020, Capital One sent me a letter telling me that they had put a hold on my Capital One account because they wanted to clear up concerns they had around potential FRAUD. They wanted me to call them so that they could work to resolve this issue with me. I called Capital One on XX/XX/2020. They stated that an individual was claiming to be me, so they wanted me to send them copies of my driver 's license, social security card and proof of residence. I send them what they requested. 
On XX/XX/2020, Capital One sent me a letter telling me that they had put another hold on my credit card account, because they suspected FRAUD. I sent them copies as they requested. Capital One sent me various new cards to clear up to eliminate the potential FRAUD. This potential FRAUD was never eliminated by Capital One. The Thief has stolen my social security number, driver 's license, birth date and was able to deceive Capital One employees into allowing him into my Capital One online account. Where he was able to change my password and user ID. To this date Capital One has refused to comply for the various records/documents requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNPON MY REVIEW OF MT CREDIT REPORT I SAW ACCOUNTS THAT WERNT MINE AND DUE TO ID THEFT I REPORTED THESE ACCOUNTS, BUT THE COMPANIES REFUSED TO REMOVE THE ACCOUNTS. I'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT AFTER BROUGHT TO THIER ATTENTION THEASE ACCOUNTS ARE STILL INACCURATE
Product: Vehicle loan or lease

On XX/XX/XXXX I received an email from Ally Finances/ Ally Auto that I had entered a 4 month catch up plan. On the plan it stated that I would pay my monthly bill of XXXX plus extra to catch up on miss payments for XXXX and XXXX. The email states that I have payment would be made the XXXX of each month and I would return to regular payments once the plan was complete. I paid XXXX each month through ach payments. Completing my plan on XX/XX/XXXX. Last week I noticed I was receiving calls from ally. Today on XX/XX/XXXX I received a call that I was XXXX  days behind on my payment for XXXX. They stated that my catch up plan caught me up until XX/XX/2023 even though the catch up plan ran til XX/XX/XXXX. they said they received my confirmation for my catch up plan on XX/XX/XXXX but I also owed a bill for XXXX thats XXXX dollars. I feel my agreement was broken as they explained that I was not paying the principle of XXXX each month and that the plan covered the months before. So my XXXX payment went toward XXXX and so on. This does not align with what I was told over the phone and what I viewed on my account when the payment was confirmed. I was told my regular payments would start back in XXXX after my catch up plan was complete but they started in XXXX. Meaning I would have to pay my catch up plan bill of XXXX and another bill for XXXX thats XXXX on top of lates fees. The catch up plan essentially did not catch me up. I called, chatted and sent a secured message via chat. I requested to see documentation of the original agreement and they said they cant give me that information. I am very upset and feel mislead. When I entered the agreement I was not told that my principle of XXXX would be applied to the month before that and I would have to make XXXX payments in XXXX. I have had an extension before and payed on time resuming regular payments with no problem. At the least I would like to see the original plan details and know why it was explained to me differently over the phone when I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent in several disputes and FTC Reports to EQUIFAX, XXXX  AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX US BKPT CT FL XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX APARTMENTS. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to dispute an account on my credit report on XX/XX/20 and Experian representative Marked my credit card as disputed when it was not to be disputed and my credit card got canceled! now I cant get my XXXX  XXXX ever again until Experian tells XXXX  XXXX That it was their fault and not mine but I did not tell them to dispute my XXXX  XXXX credit card. Now Experian is telling me that theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX, I received a letter of Debt Collections in the mail from American Coradius International LLC requesting a debt of {$380.00} that is now in collections from a fraudulent account with XXXX that was created in XX/XX/XXXX. My legitimate XXXX account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called XXXX on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. XXXX did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by XXXX failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that XXXX never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.
Product: Checking or savings account

The theft using my information opened checking account ending XXXX, in capital one. The account was opened at XX/XX/XXXX, closed XX/XX/XXXX by the theft. I contacted capital one and case number is XXXX. 
I also found capital one had put a hard inquiry on my report.
Product: Credit reporting or other personal consumer reports

EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through Publix service loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection XXXX XXXX : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

There are excessive late payment accounts reported on my credit file. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I did not authorize the addition of certain information to my credit profile. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Mortgage

I am trying to assume the mortgage of my deceased mother that passed away XX/XX/2020 and did not leave a will. I notified the mortage co of her death and my interest in keeping the home and take over the mortgage. they did suspend payments for a while under a hardship then proceeded with a foreclosure without giving me a chance to assume the loan and until now just a few days before the foreclosure do I learn of my rights as an heir. I want to keep the home and stop the foreclosure but the mortgage company refuses to communicate with me on this matter except instruct me that I would have to apply and be eligible for the loan and make a large down payment. I am desperate and running out of time, I hope you can help me. 
the mortgage co is Rushmore Loan Management loan # XXXX my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Department : EXPERIAN LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX  INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

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

XXXX XXXX XXXX : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Complaint Regarding Charge-Off Reporting Continental Finance Company Dear CFPB Representative, I am writing to formally file a complaint against Continental Finance Company regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : Continental Finance Company Account Number ( last XXXX digits ) : XXXX Charge-Off XXXX Alleged Balance : {$510.00} I contacted Continental Finance Company and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures.

Laws Violated or Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Under the FCRA, furnishers of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, XXXX XXXX has not provided evidence to support the accuracy of this charge-off, despite my dispute.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g If XXXX XXXXXXXX or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within 30 days. I requested validation in writing, and they failed to provide a response.

3. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request Continental Finance Company to validate or remove the charge-off. 
If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus. 
I also request confirmation that no further collections or negative reporting will occur related to this account. 
I have attached copies of my correspondence with Continental Finance Company and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request. 
Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Discover is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.
Product: Student loan

XX/XX/XXXX - Email sent to Aidvantage asking why my student loan payment amount on the SAVE plan was XXXX XXXX  higher than the estimate range that the federal student aid website simulator calculated, because the i formation I submitted through Aidvantage on my application was the same information I used on the simulator. This email still has gone XXXX responded to. 

XX/XX/XXXX - Tried calling Aidvantage without success. On hold for XXXX minutes. 

XXXX Opened a complaint case with the XXXX XXXX XXXX Department of Education . No response as of yet. 

XX/XX/XXXX - Tried calling Aidvantage without success. I was on hold for XXXX minutes, only to be hung up on. 

XX/XX/XXXX - Sent a certified letter to Aidvantage asking them to : - Provide me a record of my submitted SAVE application with the date I submitted to Aidvantage, and the date it was then submitted to the Department of Education on my behalf. 

- A full breakdown of how my payments were calculated using the information I gave in my application referenced above. 

- An explanation as to why my payments are XXXX XXXX - XXXX XXXX higher than the payment estimate bands given to me on the federal student loan payment simulator. 

- A request to place my account in an administrative forbearance until all of these items can be received and this is resolved, due to the fact that I've attempted to contact them multiple times about this issue without success. 

XX/XX/XXXX - Certified letter arrived to Aidvantage via mail tracking. 

No one has responded or reached back out to any of my attempts to contact
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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
Product: Mortgage

On XX/XX/XXXX, I provided payment information for an appraisal fee totaling {$4000.00} plus {$350.00} ( proof of payment attached ) for a home purchase. The appraisal fee was originally requested ( request attached ) on XX/XX/XXXX as a part of the package that the Project Coordinator would submit to underwriting and request the appraisal. 

After collecting all documents and information, the XX/XX/XXXX on XX/XX/XXXX confirmed that the loan package was submitted that morning for appraisal request and underwriting ( confirmation attached. ) Upon review by underwriting, my loan was declined, and therefore, never submitted for appraisal. 

After several phone calls and weeks of follow up XXXX XXXX confirmed that I was due a refund and it would be processed in XXXX business days ( attached ). XXXX XXXX XXXX refunded {$350.00} plus {$3700.00} on XX/XX/XXXX, a remaining {$300.00} is still owed to me. 

After following up again, the lender advised that {$300.00} was withheld as a " trip fee '' supposedly paid to the XXXX ( explanation from lender attached ). However, my loan was declined prior to an appraisal being requested. Additionally, no XXXX was assigned to my property and no contact was made to me by an XXXX to schedule a visit to the property. 

Despite multiple requests ( requests attached ) for a refund of this {$300.00}, XXXX XXXX XXXX has stopped responding to my communications and has not provided the remaining refund. I appreciate your attention to this matter and request your assistance in resolving this issue and addressing the unfair practices involved.