23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital one is attempting to collect on an expired debt via a judgement and threatening to garnish my wages. My rights as a federally protected consumer were violated. On XX/XX/21 I sent Capital One a cease and desist demanding all communication stop immediately unless it was in regards to my remedy. Pursuant to 15 usc 1692 ( c ) ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of com- petent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I never gave consent and no consent is fraud. Also pursuant to 15 usc 1692 ( d ) ( 1 ) A debt collector may not engage in any conduct the natu- ral consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or prop- erty of any person. My reputation has been damaged because of this garnishment and judgement. I am embarrassed. I recently received a letter from XXXX XXXX XXXX XXXX at law threatening to garnish my paycheck over this alleged debt. I was never provided with debt validation or the chance to dispute their allegations. 15 usc 1692 ( b ) ( 2 ) any debt collector which they referred to themselves as can not state that such consumer owes any debt. I also was never given the chance to dispute this alleged debt pursuant to 15 usc 1692 ( g ). Attached you will find all my evidence showing XXXX Capital one and XXXX XXXX XXXX violated my rights as a federally protected consumer. This is also my formal dispute of this alleged debt. Also pursuant to 16 usc 1692 ( e ) ( 3 ) ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney. The top of the letter and envelope says XXXX XXXX XXXX XXXX at XXXX. Then the body of the letter says this is an attempt to collect a debt ( violation ) and we are debt collections ( violation ) false and misleading. Both violate the Fair Debt Collection Practices Act.
Product: Checking or savings account

On Friday XX/XX/year>2025 I sent a {$1500.00} transfer to my mother in law for rent. The memo even stated that. XXXX hours later roughly around XXXX I received an email stating my account was suspended for suspicious activity and to provide them with a photo of my state issued drivers license. I did everything they requested. Afterwards i called venmo customer support. I told them that this is all of my money, {$5500.00} is in my Venmo account and it is frozen. The representative escalated the situation and told me to wait XXXX to XXXX business days. I woke up the next morning Saturday XX/XX/year>2025 with an email from Venmo. The email states that they will be closing my account and can and will hold my funds of {$5500.00} for up to XXXX  days. This is extremely infuriating considering this is all of my family and I 's money and I need to be able to pay my bills and live, especially in this economy. I cant just have my funds locked away for months. So i called Venmo again, this time the person reiterated what the email said, not liking that answer i asked to speak to someone higher up. The " XXXX '' then said he would escalate this with the most urgency. Then he said it would take another XXXX to XXXX business days for them to respond. I asked him to clarify that from what im understanding is my account should be reinstated within XXXX to XXXX business days and i will be able to access the funds. The man said a very clear yes. Now for no reason i have to wait for this company to give me back MY money. I have to fight for what was already mine. I want my account fixed and i want to take my money to another institution.
Product: Mortgage

With the problem of the XXXX  pandemic, he called me and told myself that if I was bad without a job that they had a forbearance program in which I did not pay for the following months, I accepted for 4 months since 3 months ago I paid again but when I called my bank They tell me that they sold the account to servicing this company 2 months ago I am trying to fix the balance that I owe for XXXX and that they put it at the end of the loan that is what XXXX told me at the time they do not want to fix the loan the new company And they want me to pay you everything owed or make a loan modification but I must qualify for that and I do not want because I do not qualify and if I do not qualify I must pay the total debt all the banks lie and you must place a stop to this, I can lose my house and nobody does anything, every time I call the bank they don't answer or they tell me different stories servising # XXXX XXXX
Product: Mortgage

We have made all payments and are out of forbearance. We are trying to refinance and we need a letter stating we are out of forbearance. We have been trying since XXXX XXXX to get a letter stating we are out of forbearance. 
Suntrst Morttage has been ZERO PERCENT in cooperating with giving us this letter. Suntrust has an interest keeping our loan at their higher percent. Please see below in our efforts to remidify : XXXX PLEASE NOTE : I have explesed that this extreme delay in the requested letter will COST US $ $ $ $ due to extending our " lock '' on our refinance, Thursday XX/XX/XXXX original call requesting letter stating we are out of forbearance. 

Monday XX/XX/XXXX, XXXX ( time on hold 1 hour 23 minutes ) s/w XXXX and explained that we had requested letter stating we are out of forbearance in order to move forward with our refinance. Told her we had already called and received no response and I needed to know what the status of the letter is/was. She said she would put an urgent on the request and that we should have a response within 24 to 48 hours. 

Wednesday XX/XX/XXXX XXXX ( time on hold 1 hour 49 minutes ) Called home preservation department and due to long hold times left a call back number XXXX received call back and from the wrong department ( customer service ) and was transferred to h/p and was immediately disconnected. 
XXXX called back and stayed on hold for 45 minutes. s/w XXXX and asked her to transfer me to a supervisor. XXXX put me on hold, stayed on hold until XXXX ( more than an hour ) XXXX called again ( while STILL ON HOLD waiting for a supervisor ) from a different phone. 
XXXX s/w XXXX XXXX who tried to contact her supervisor but supervisor was in a meeting. XXXX XXXX took my number and called back later and explained that the letter needed to be generated by the utility team but they had gone home for the day. She said she was putting an urgent on the request and that we should have a response within 24 to 48 hours. 

Thursday XXXX ( time on hold 48 minutes ) s/w XXXX and asked for supervisor. XXXX said a supervisor would call back within 24 to 48 hours. XXXX also said customers can not talk to or reach the utility department directly.
Product: Credit reporting or other personal consumer reports

I tried the automated line for Equifax and XXXX, and I was denied my credit report. I called Equifax and answered " none of the above '' on XXXX of the questions, and it said I was denied. I tried XXXX more times and was denied each time. Then, I called XXXX and it was the same. I called XXXX first, and they are sending me a credit report. I need to get all of the three credit reports to check my credit, since there was a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was not secured properly by the company that is essentially telling other companies how trustworthy I am. After they became aware of the security breach, they waited for one month to report the information leak. I do not trust them to continue to act ethically with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Bank of America did a hard inquiry on my credit. I did not authorize or ask for a new credit card attached to my social security number. I reached out to Bank of America fraud and had card taken off my name but they said they cant help with hard inquiry. The credit reporting agencies say tell Bank of America. I want this Card off my credit. It says I am an authorized user. It was reported on my credit beginning XX/XX/XXXX. I d have a Bank of America credit card but have had it for years. This is a new account someone else opened and attached my social to it. Please remove from all of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CREDCO dated XX/XX/XXXX that my credit reporting shows two inquiry from CREDCO. They have pulled my credit twice and I don't have any business with them. 

The 2 hard inquiries was apparently made on XX/XX/XXXX and XX/XX/XXXX. I requested to validate and show me who authorized those inquiries. They keep ignoring my request to validate. I need for them to remove ALL from the credit bureaus.
Product: Student loan

I recall my interest rate being very low - around 2 %. Although I dont have exact dates or figures, I remember my payments were about a combined $ XXXX for both XXXX  loans ( Payment history confirms this ). My payments suddenly jumped to $ XXXX and then to a combined $ XXXX. I took at look at my rate and it somehow became a 7 % interest rate. Iv questioned this increase in rate and payment on several occasions over the last couple of years, but Im told that my interest rate is decided by the federal government. My complaint is that since XXXX student loan rates are fixed, for the entire life of the loan, the lender has increased that rate by about 5 %, and has been stealing money from me for the last several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that a Judgement was placed on LexisNexis report, from XXXX, I have no knowledge of, that is hindering me from refinancing my home. I suspect identify theft. 

I never knew I had ( or heard of ) a LexisNexis credit report. XX/XX/XXXX, I learned from my lender that a company, XXXX XXXX XXXX XXXX, filed a Civil Judgement against me in New York. LexisNexis has sent me a copy of my report ( see page attached ) stating that the filing number and the amount was for {$150000.00} in XXXX XXXX XXXX XXXX, XXXX, NY. It also has a company name listed that I incorporated in Nevada but closed in XXXX XXXX attached ) and I usually go by maiden name for business this is listed under my married name. 

This judgement has NEVER appeared on any of the 3 main bureaus. I'm curious as to why, if it's suppose to belong to me, it was filed in New York. I've always lived in California. I've never been to XXXX, NY. I don't know where it is. I've never heard of this company. I've tried to request information on the account, they're crediting to me, from the company but haven't found a way to communicate. Everything I've seen concerning them says they're out of business.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX TransUnion : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a XXXX wire to Coinbase on XXXX in the morning and I called in the afternoon because I had not seen the deposit. I called in the afternoon and they said they would escalate to get this resolved by end of day as I confirmed with my bank and it was received by Coinbase. I called again on XXXX to see if they were still investigating the issue and they could not confirm if they had received the money only to be told it was under investigation and there was nothing else they could do. They would not give me a timeframe on when they would solve this issue and it is frustrating that they can not confirm and keep holding my money as if I did not provide them with all the information for them to resolve this issue and get my money to me Case # XXXX I am losing money by having them hold it and they give no timeframe to expect my money back as if I didnt matter. I want my money back or deposited into my account ASAP. I am not going to wait for them without them even giving me a timeline of when I can receive my money back. I work at the bank that we sent the money to my account and I can confirm they have received it they are just holding my money without giving me a time frame.
Product: Debt collection

They call daily for my daughter. We have explained to them that she does not live with us nor does she have a working phone.
Product: Payday loan, title loan, or personal loan

I was charged for a loan that I didnt apply for in the amount of XXXX $ on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 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 without my written instructions.

15 USC 1666B : 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: Debt collection

My ex-spouse used my identity to open accounts without my knowledge while we were separated. I completed an identity theft report and sent it to the creditor. They still have not removed it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. XXXX XXXX reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and XXXX XXXX to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and XXXX XXXX keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the XXXX XXXX dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into XXXX XXXXXXXX XXXX portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Debt collection

Security Credit Services has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " XXXX  ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her addiction. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to Security Credit Services on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX to XXXX.
Product: Debt collection

Knight Adjustment Bureau misrepresent the amount owed to XXXX XXXX XXXX XXXX. In a phone conversation that took place on or around XX/XX/2018. Furthermore, They falsely claim the debt was {$3000.00} instead of the {$560.00} in clear volaion of the law and FTC guidelines. see https : //www.consumer.ftc.gov/articles/debt-collection-faqs
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX  # XXXX {$10000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.
Product: Student loan

In XXXX, XXXX we received a notification from the Department of Education that our loans had been discharged as part of the national action against XXXX XXXX XXXX. Eight months later in a letter dated XX/XX/XXXX we received a letter from XXXX ( the company servicing our loan ) that confirmed the loans had been discharged and a refund would be processed. 

After three months of no further information and our account carrying a credit in excess of {$70000.00}, we contacted XXXX by phone to inquire about our refunds status. In talking to their representative, we were told we were due a refund ( we had no other outstanding loans ) and she did not indicate that any work toward that refund had been done during the preceding three months. She assured me she would begin the process and we would receive an email in 24-48 hours with information. Waiting a week and hearing nothing, I called XXXX again and, upon sharing my identifying information with the automatic answering system, the system informed me that, " the account was under review and no action was required at this time '' and the system promptly disconnected our call. Since we were unable to reach a representative by phone, I sent them an email through the XXXX contact system and received and automated response that it had been received and a further email would address my specific concerns. Having receive no further email, I sent a subsequent email a week later and received the same automated generic reply. 

Today, XX/XX/XXXX have still not received any further communication from XXXX, I make another phone call to the company. By refusing to give identifying information to the automated system I successfully was connected to a representative. The XXXX representative affirmed that a refund was indeed due but that it take up to seven months to process. I inquired at what date the seven month countdown began and was told that it was the date the loan was discharged. Since we had received notice in XXXX, XXXX ( eleven months ago ) that the loan had been discharged, I explained to the representative it seems we are well past the seven month schedule. The representative checked their records and said that they had the discharge as XXXX. XXXX, XXXX and I was incredulous as we had already received a letter from XXXX dated XX/XX/XXXX informing of the discharge. This means they either notified us six days prior to knowing of the discharge ( and I find this hard to believe ), or someone is fabricating the dates. Frankly, I find it had to believe that it took eight months from the time we received notification from the Department of Education that our loans had been discharged for the XXXX loan servicer to receive the same notification. 

At this point, Aidvantage still has our money. I am certain they have invested it ( as well as countless refunds owed to other borrowers ) and are making a tidy income. We just want the money owed in a timely fashion and have already waited a year.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX  XXXX XXXX : {$0.00} XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

A card was opened in my name in XX/XX/2014 -Discover financial services LLCIt was used regularly.I did not use this card. It was fraudulent.On the date it was opened, I was not in the country -I have provided my the confirmation of my flight leaving the US-
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on XXXX of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am XXXX! 

I tried 3 times as mentioned I hope they will help me now