23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MidLand Funding LLC contacted a member of my family and talked to them about my debt. This 3rd party is in no way a co-signer or have anything to do with my debt. The debt collector told them the amount of the debt, who the original creditor was, and that it was my debt. Legally they are not supposed to disclose this information, but now it seems they are harassing my family.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are only a few of the phone numbers for past year. Their company name : PORTFOLIO RECOVERY SERVICES. They have called me since XX/XX/XXXX. ( I did have an outstanding credit card which I paid off to them in XX/XX/XXXX, because I was homeless  and had 1 credit card that fed me. Now they have a different account. They continue to call from many numbers, at least 4x 's  per day. ( They always wake up my Grand Daughter ) They sent bank XXXX from the 2000 's that were not mine. ( 20 years ago )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two collections account that was added to my credit report. These two account has already been resolved. The account includes XXXX XXXX and XXXX and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. 

I also have two account credit card enquiry by capital one in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.
Product: Mortgage

Freedom mortgage has continually paid my casualty insurance premium late, or not at all. I have spent 3 years fighting with freedom mortgage on this issue. 3 times this year theu told me they overnighted payment to my casualty insurance provider and have not done so. This year I had to pay my casualty premium for the year out of pocket in order to keep flood coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions about 24 hard inquiries that are on my credit report that have not been removed in the time that the agency stated they were going to be removed
Product: Credit reporting or other personal consumer reports

It appears that there is an inconsistency in the Capital One information. Despite any potential manipulation, numbers and figures always tell the truth. Capital One has made inaccurate claims, stating that the previous complaint listed someone not authorized to receive financial information, who is not listed on the account or loan. As far as I know, I am the only person listed on the account/loan and the same person mentioned in this complaint. 

I completely agree that Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. 

I am the consumer responsible for filing this complaint, as well as the previous one, and I am also the individual who took out a loan with Capital One. I believe that Capital One is not being completely honest about the situation at hand. It is quite surprising and intriguing that Capital One would make such a false statement. According to my credit report, updates were made to reflect the most recent information on XX/XX/year>. How is this possible if they are unable to confirm whether or not I was a customer? I will be providing evidence with this complaint to demonstrate the discrepancies. 

I am formally requesting the financial statements related to my transactions and the corporation involved with this loan. It is imperative that I obtain these documents promptly.
Product: Debt collection

I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX   shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Product: Credit reporting

I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a request to Experian which they received on XX/XX/2022 to BLOCK and delete the transactions on my consumer report are identified as identity theft. I explained in my letter in detailed that my request to block was NOT made in error, my request to block information was NOT based on a material misrepresentation, as well as the information identified is not information relating to any transaction by me the consumer. 

They sent me a letter via E-mail which is attached. that they are denying my request to block and delete these transactions because of one or more of the following reasons below : 1 ) your request to block was made in error, 2 ) or, your request to block information was based on a material misrepresentation, 3 ) or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

so I called them and explained I specifically wrote this is my original letter sent out to EXPERIAN as well as what steps did Experian and these companies took to VERIFY THAT I ACTUAL HAVE THE POSSESSION of these items. how can they prove this? XXXX XXXX, XXXX XXXX, XXXX XXXX AND EXPERIAN keeps reporting this information which I also never gave them permission for. How are they verifying that i am NOT a victim of identity theft. when I am a victim of identity theft! 

I called serval times and spoke to different Experian representatives and said they can not continue to report this information on my consumer report and they said they can because the companies verified that this is accurate? 

HOW? how can they determine that this is NOT identity theft when I'm making a COMPLAINT that this is identity theft. This request was not made in error. Please i attached a FTC report my driver license! Please delete
Product: Credit card

On the month of XXXX a charge card of the name synchrony bank was Open in my name without my consent or my knowledge. this account has been reported fraudulent to the creditor, which theyve failed to update the information. I have asked for this account to be updated because it is tarnishing my reputation in my credit worthiness as it also is reporting negative information to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing the credit bureaus since XXXX of XXXX and nothing has been done about these inaccurate inconsistent accounts. Why will they not follow the law? I am a consumer and should be protected from these monsters.
Product: Money transfer, virtual currency, or money service

Coinbase froze and then deleted my account without reason. 

They stated I could withdraw my funds, but I had a significant amount of XXXX staked, which could not be withdrawn. XXXX had to be converted to ETH in order to withdraw. I had approx XXXX XXXX staked on Coinbase ( I can not remember the exact number ). They said they would convert it to XXXX for me. 

On XXXX XX/XX/2023, they converted XXXX XXXX to XXXX. The rest of the XXXX went completely missing. They wrote " Please be informed that we are on the process of converting your stucked XXXX balance to regular ETH in order for you to cash it out and complete the account closure process. '' On XXXX XX/XX/2023, after having several phone calls, a XXXX  thread " Coinbase Account Deleted - Can not Withdraw XXXX '', and numerous emails, they sent me XXXX. The rest of that XXXX is completely gone. 

Moreover, even the funds I have on Coinbase that are accurate ( XXXX ) I can not withdraw as it says : " To send this balance off-site, please add funds before attempting a withdrawal. Alternatively, you may forfeit funds to complete the account closure process now. Obviously I can not add funds because my account has been cancelled! 

Coinbase replies to my XXXX thread obviously as it looks good publicly, and then takes either no action or the wrong action to follow up. My funds have essentially vanished.
Product: Checking or savings account

On XXXX, XX/XX/year> my company release the funds for my direct deposit that should have been available no later than XX/XX/year>. Upon checking my account status, Capital One did not release the funds to my direct deposit that had been released by my company as shown on my paystub as well as being verified with the account accounting department. When I called customer service, which Ive done multiple times, they told me theres a glitch, and there was no foreseeable timeframe to fix this. There is no answers, there was no solutions, and at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I still do not have access to this. XXXX is actively in possession of that direct deposit, and they have not released the funds to my account or even posted a pending payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

No consent is identity theft. I, XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from listed inquiries. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Transunion believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is incorrectly reporting that NAVIENT is the owner of a student loan placed in my XXXX  consumer credit file under my personal information. 
On XX/XX/2020 XXXX  initiated a three-way recorded call between XXXX, NAVIENT and myself, in that call NAVIENT acknowledge to XXXX  and myself that they were not the owner of the debt listed under NAVIENT and stated that XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX at phone number XXXX was the owner of this debt. XXXX  continues to list NAVIENT as the owner of this debt in my consumer file. 
I spoke to XXXX of XXXX XXXX at the phone number provided and she said that they do not have any information under my personal identification and promptly transferred me to a California phone number where I spoke with XXXX at XXXX. She stated that they did not have any information pertaining to this debt nor any debt pertaining to my name and social security number or any other personal identifying information. A second call to XXXX XXXX in California on XX/XX/2020 with XXXX confirmed again that they did not have any information pertaining to this alleged debt. 
Navient has since, sent written documentation stating that they are not the owner of any alleged student loan under my name. This document was forwarded to XXXX, XXXX  refuses to correct or delete their reporting despite the recorded phone call and direct written documentation from Navient that acknowledged that they did not own the alleged student loan. XXXX  continues to inaccurately list Navient as the owner of a student loan listed under my personal information.
Product: Credit card or prepaid card

XXXX/XXXX/2019 -- Capital One reports massive data breach XXXX/XXXX/2019 -- Capital One unilaterally changes online access to customer credit card log in by requiring dual-factor authentication ( 2FA ) user MOBILE PHONE NUMBER ONLY. Capital One does not permit its customers to use 2FA log in using 2FA apps ( e.g., XXXX authenticator, XXXX authenticator, etc. ). Nor does Capital One have the capability to send a temp code by email for 2FA. 

Why would I give Capital One my mobile phone number when the company just lost XXXX XXXX user data in a breach caused by the company 's gross negligence? 

Result : Based on Capital One 's unilateral change in its service terms and its imposition of a requirement to use an antiquated, insecure 2FA procedure, I can no longer log in online, nor make payments online, thereby causing me to waste time dealing with this company. 

Remedy requested : Require Capital One to offer 2FA options using : 1 ) email and 2 ) widely-available 2FA apps ( that I ( and many others ) use to log in to a wide variety of accounts ).
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX you furnished alleged transaction ( s ) on my Experian, XXXX XXXX, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : 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

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX,
Product: Student loan

Yes i received a letter today from Navient that my account is under review for litigation for a balance of XXXX and I have 15 days from the date of the letter to respond. My mother and I took the private loan out in XXXX XXXX when it was sallie Mae when I was attending college in Illinois. I have made payments throughout the years when Navient had a “program” called interest only payments where Navient lowered my payments to what I can afford. Then as of XXXX  XXXX Navient says they no longer have the program and can not help me or my mother and pay now or else. I was paying XXXX  per month now this year my payments jumped to XXXX  per month due to “interest.” When I ask for documentation for the program no longer existing or other program options or even loan term agreements they refused to send documents to me via mail. They continue harassing my mother and with threatening calls as well. I want to this to end immediately and to come to a agreement where I can afford my payments based on my income. Thank you for your time and patience!
Product: Checking or savings account

Subject : Complaint Regarding Missing Refunds Wells Fargo XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both Wells Fargo Bank and XXXX. The issue concerns multiple refunds that were processed by XXXX but have not been credited to my closed Wells Fargo account. 

Background : On XX/XX/XXXX, XXXX processed several refunds to my Wells Fargo account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed XXXX about the closed account. Despite this, XXXX confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted Wells Fargo and provided them with these reference numbers to locate the refunds. However, Wells Fargo has repeatedly stated that they have not received any funds related to these transactions. 

Details of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - Wells Fargo Account Number ( now closed ) : Ending in XXXX - XXXX  Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that Wells Fargo and XXXX are responsible for ensuring that the funds are properly accounted for and returned to me. 

In the message from XXXX, they indicated that if Wells Fargo is still unable to locate the refunds, I should provide them with a document from Wells Fargo on their official letterhead confirming this. I have requested this from Wells Fargo but have not received a satisfactory response. 

It's been one month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any collections with XXXX XXXX.
Product: Credit reporting

Equifax is reporting this XXXX same account from XXXX three times which is against FCRA. This is not my account Navient account number XXXX. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account. I have never signed or had any affiliation with this account. Again, asking for the immediate deletion of this fraudulent account which is reporting three times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have faxed a copy of my birth certificate, social security number info, proof of residency along with other documents to Equifax twice. I sent it again to XXXX XXXX at fax number XXXX and I faxed it prior to customer service at XXXX, so it is no reason for Equifax to respond and say they need this information as I have already faxed it to them.
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case