23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

First of all they asked me for a {$100.00} fee then they got all my information from me and they deposited money in my account and then they wanted me to go and get pre paid cards so I can raise my credit score. Well never had a personal loan before I went and got the cards. Well in the meantime this person told me he will put in XXXX $ in my account and then I had to repay him with the cards. So my bank account got closed because they seen funny stuff going on. So I told the gentleman that I had to call the bank and he told me not to say anything about a loan or anything. Witch I was surprised to hear. So I told my bank a story and the loan people were on the other side listing to the conversation I was having with my bank and he would text me things to say. So now I owe my bank XXXX $ witch I dont have and one more check they deposited for 2000 $ so I am now trying to get my self out of trouble for fraud.
Product: Money transfer, virtual currency, or money service

I use Venmo quite often as a way to get paid. I had a balance in the account and after a while my account was randomly frozen because I violated their user agreement. They never disclosed what exactly I did to violate their user agreement and I was never aware of any activity with my account that would cause this. I was unable to transfer the funds out of the account until I spoke with representatives. Even after I opened a case with them it took at least a week to get the funds transferred out of my account. As of now they have told me my account is permanently deactivated and I can not use Venmo again. Again, they never disclosed what happened to flag their system or any other necessary information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Debt collection

As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major data security breach and my personal data was affected and could impact the following : Social Security number, Birth date, Home address, Drivers license number, Credit card information.
Product: Credit reporting

Transunion has XXXX credit inquiries on my acct. Most were related to when I purchased a car last yr and should be treated as XXXX inquiry.
Product: Debt collection

In XX/XX/year>, I received a written communication from Professional Debt Mediation , Inc. regarding a payment of {$620.00} owed to XXXX XXXX, an apartment complex in XXXX XXXX, Florida. I contacted PDM via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the City XXXX XXXX XXXX Police Dept XXXX XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from PDB describing the delinquent account at XXXX XXXX. 
XXXX. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from Florida XXXX XXXX XXXX XXXX XXXX  Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681Section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Wellsfargo online has been down, and not accessible since yesterday ( XX/XX/2019 ). I have been unable to conduct banking business. I have a debit, savings, and credit card through wellsfargo, so this is a considerable inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the XXXX XXXX, my credit is bad, i have XXXX judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. Santander doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with Santander and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for Santander that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

Santander does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want Santander to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX XXXX Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this Santander tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement.

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer
Product: Checking or savings account

Capital one needs to stop denying consumers for checking accounts without reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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: Credit card

Date received unauthorized opening of credit card through Chase Bank. XXXX XXXX XXXX. Date received card was XX/XX/2024 in mail. Contacted Chase fraud department and they assisted me in closing account and referred me to contact XXXX to report issue. XXXX also recommend that i should freeze credit report for 12 months, which i complied.
Product: Debt collection

Torres Credit services and XXXX notifying me XXXX XXXX XXXX of a debt totaling {$58.00} although this may seem like a small sum the continued reporting is damaging my credit rating. 
I contacted the XXXX major Credit bureaus and XXXX and Torres making a point of proving to them that I was the victim of Identity Theft. It has been over 30 days and they have not provide any documentation legally linking Me XXXX XXXX to the account. Not to mention the fact that : I was residing in different city than the one provided for the origin of this account.
Product: Debt collection

I received two phone calls from this company dynamic recovery solution once the week of XXXX XXXX and the second one from yesterday XXXX. The number they are calling to in a business number with random different people working volunteering. I personally have no issues paying my credit cards. I seen review form website that this company is a scam and they try to collect debt that does not exist. The man said his name is XXXX and he is from dynamic debt recovery solutions ( XXXX XXXX XXXX. Our work phone number he called is XXXX XXXX XXXX XXXX and our message is on our voice mail does not give out names it just stated the XXXX of the business and departments so how do I know he is real or a scam? I do n't want to call amd get harassed. Please advise. In the meantime I will ignore he calls which are random as well. 
XXXX XXXX
Product: Mortgage

On XX/XX/year>, I called the customer service in response to a late payment fee added to my mortgage loan. I was told that my mortgage payment check was returned due to " insufficient funds '' around XX/XX/year>. I contacted my banking institution, and they informed me that they have no record of a check being returned for that reason and they provided proof that the mortgage company was paid on time, and they had cashed/deposited the payment into their account without any problems. I provided them with a copy of their cashed check on that same day, XXXX. The lender came back with another request for me to provide the account ledger. On XX/XX/year>, I provided them with two months of my account ledger which included all transactions in my account. Furthermore, the ledger provided evidence that my account always had a running balance that was much greater than the mortgage payment due. Today, I received another mortgage bill that shows a late payment fee and a full month owed on my mortgage, yet they cashed the XX/XX/year> check in the early days in XXXX and have also gotten paid for the subsequent months in a timely fashion. Their late charge fee and claim of a returned check lacks validity as evident by the account ledger and copy of their cashed checks that I provided to them. Please, address this issue with the company as my husband is a XXXX Veteran that do not deserve companies take advantage of his hard earn benefits through baseless and fraudulent claims, let alone bring him unwarranted problems. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus, I am writing this letter to formally lodge a complaint against XXXX, XXXX and Transunion for their refusal to provide me with validation of a debt. Despite several attempts to seek validation of this debt, XXXXXXXX XXXX  has consistently claimed that they do not have any obligation to provide me with such validation. 

It has been over 30 days since XXXXXXXX XXXX confirmed receiving my correspondence, and yet they have failed to provide me with any validation of their debt collection. I would like to bring to your attention that this is a clear violation of consumer laws that require creditors to provide validation of a debt upon request. 

According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt from creditors. This includes information on the original creditor, the amount owed, and any other relevant information. Failure to provide this information within 30 days of receiving the request is a violation of the FDCPA. 

In my case, XXXX XXXX has failed to provide me with any validation of their debt collection despite my repeated requests. Instead, they have sent me transaction records, which do not qualify as validation of a debt under the law. 

I would like to inform you that I will file a small claim requesting {$1000.00} for defamation and willful injury if this debt is not removed from my reports immediately. I hope that you will take appropriate action against XXXX XXXX and ensure that they comply with the consumer laws. 

In conclusion, I urge you to take this matter seriously and ensure that credit bureaus stand up for the rights of consumers. It is important that creditors are held accountable for their actions and that consumers are protected from unfair and illegal debt collection practices. 

I have attached all correspondence as well as screenshots of the laws pertaining to Validation, They have also admitted that they sent my debt to a debt collection agency Violating my rights AGAIN by sharing my no public information without my CONSENT, or providing me any proof of signed disclosures saying I authorize these actions Violating the Gramm Leach Bliley Act! 

Thank you for your time and attention to this matter. 

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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019, I went to Capital one Bank Branch to set up automatic payments for both of my credit cards. so I wouldn't have to worry about calling to make payments. The representative told me that I was already all set for automatic payments, I gave them the credit card and the checking account information and the due dates for both credit cards which is the same day for both credit cards, but She didn't do it correctly. I thought the credit cards payment were debited from my Checking account. But in XX/XX/2019 my son taught me how to get into the capital one bank app and he noticed that my payments were not debited from my checking account. As a result Capital one charged me late fee for several months and Capital one Bank put my account as delinquent for both credit cards. the months that my both credit cards were compromised were ( XXXX, XXXX, XXXX, XXXX and XXXX in 2019 ). I went to the branch to speak to manager and they told me there is nothing I can do. I expressed that is been a mistake by their associate. but they didn't want to help. Since I was denied several times and my lack of knowledge. I couldn't do anything and didn't know until now that it was affect really bad to my credit. Now I'm applying for a mortgage and the interest rates are high due to the delinquent accounts that capital one reported. I would like to request support with this matter because it is affecting to buy a house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Wells Fargo XXXX XXXX XXXX XXXX CA 92071 XXXX and XXXX. They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

2. Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

3. In response to their claimed XXXX value, we have marketed the property at that price, as well as provided market comparables and a Contractors Bid. Wells Fargo 's response was to remove the file from their short sale department stating there was no offer at their " List Price '' We STILL do not have a copy of the XXXX XXXX. In the last 2 days we have been given XXXX different persons contact info and NO ONE will return our calls or emails. 

We can not get anyone at Wells Fargo who can talk to us informedly about this short sale. The house has been marketed since XX/XX/XXXX of this year starting at XXXX, far above their XXXX " list guidance '' price, and has failed. We recently received an offer at $ XXXX, and have submitted the offer along with market comparables and a Contractors Bid. Now, no one at Wells Fargo will speak to us at all. How can we move forward when no one will speak to us about this file?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several inquiries from banks such as XXXX XXXX and XXXX XXXX that I have not made.
Product: Mortgage

North Star Finance sent me a couple of letters in the mail stating I was eligible for a loan modification on a home I own in Florida. I contacted them to see what it was all about. I am  XXXX   XXXX   XXXX  and have a high interest rate on my home loan. I had been wanting to find out what I could do to get a lower interest rate. They explained their process and I trusted them ... .that turned out to be a huge mistake.   Over the next several weeks I filled out everything they required, and supplied them with all of their requested information. They explained to me they would have my mortgage loan modified within 3 months and my interest rate would be reduced to the current average rates. They then required a {$6000.00} payment for the closing of the loan modification. I sent them the money. Shortly after that, they explained they need another {$1500.00} to complete the loan documents. I sent them the additional {$1500.00}. That was over 6 months ago.   Over the next few months I heard very little from them. I tried and tried to get a hold of them. I did receive a couple more letters, which made it look like they were actually working on it. I later learned that nothing was actually being done, and their documents are all bogus. The last communication I had with them, they were demanding an additional {$1200.00} payment. I told them I was not going to give them anymore money.   My daughter has been trying to help, and she has been in contact with them. She requested they give me back {$6000.00} of the total {$7500.00}. They deposited a check into her account for {$7500.00}. They wanted her to give them back {$1500.00}. She told them she would once the check gets funded from their bank. Well, 3 days after the check was deposited it bounced. We were n't that surprised.   I have a copy of the check. I believe they are making false checks with someone else 's information on them.   The name and address on the check is from an older gentlemen that lives in  XXXX . I believe he has no idea what these guys are doing.   The check bounced abo  ut 3 weeks ago. Since then my daughter has talked to them a couple of times. They claimed they would send a money order, but that was over 2 weeks ago. They now wo n't return my daughter 's calls.
I am concerned they are scamming people all over. They must be   stopped.   Any help or assistance you can give would be greatly appreciated.   Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.U 1681 section 602 A States I have the right to privacy. 

15 U.S.U 1681 Section 604 A Section 2 : Its also states a cunsumer reporting agency can not fumish a account without my written instructions