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

LETTER TO THE FEDERAL TRADE COMMISSION Re : CAPITAL ONE CREDIT CARDS ( 2 ) PLATIMUM CREDIT XXXX XXXX XXXX On XX/XX/2020, I filed a Bankruptcy ; however, I elected not to go through with it and it was dismissed. At that time unbeknownst to me, Capital One put a stop on my cards. There was an automatic payment set up with XXXX XXXX on my son 's car which should have gone through and been paid in XXXX. I knew nothing about Capital One 's cancellation of use of these two cards until I attempted to use one of the cards at XXXX  XXXX 's in Mid XXXX. I immediately went on line and could not pay my bill and upon calling Capital One, I was told that my cards were in stop status due to the bankruptcy. I advised them that the bankruptcy was a mistake and had been dismissed. In spite of my pleas with numerous calls to Capital One and writing to Capital One 's bankruptcy department, I received NO response. Capital was the ONLY company out of 4 credit cards that I own that did this. I had always paid all of my credit cards on time or early. Because Capital One gave NO NOTICE THAT THEY WERE PUTTING MY CARDS ON HOLD, the automatic payment to XXXX XXXX was not paid. On XX/XX/XXXX, my son was involved in an accident. Now, he was notified that his insurance was not paid. Both he and I were unaware of this because Capital One failed to notify me of what they had done. AGAIN, CAPITAL ONE IS THE ONLY COMPANY OF MY 5 CREDIT CARD COMPANIES WHO PUT THIS STOP ON MY CARDS. Because my son was involved in an accident without insurance, he will be required to get a restricted license for one year. My son has always had an excellent driving record until this problem occurred. ALL OF THIS GOES BACK TO THE POOR HANDLING AND THE LACK OF NOTIFICATION BY CAPITAL ONE REGARDING STOPPING THE USE OF MY CAPITAL ONE CREDIT CARDS. CAPITAL ONE SHOULD BE RESPONSIBLE TO PUT IN WRITING THAT THEY FAILED TO NOTIFY ME OF THEIR ACTION THUS CAUSING THE PROBLEM IN PAYMENT TO XXXX XXXX THIS SHOULD BE SUBMITTED TO THE XXXX XXXX XXXX, ATTN. Mr. XXXX XXXX, Claim # XXXX Phone # XXXX. Email : XXXX THEY SHOULD ALSO BE RESPONSIBLE TO NOTIFY THE DMV OF THEIR MISTAKE AND ASSIST MY SON IN MAINTAINING HIS DRIVERS LICENSE RATHER THAN HAVING TO DRIVE ON A RESTRICTED LICENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS CONSUMER REQUEST FORM REQUEST, AFTER MY INSURANCE POLICY WAS CANCEL BECAUSE WRONG INFORMATION WAS REPORTED BUT I REQUEST THE RECORD CHALLENGE INCORRECT ENTRY IN MY REPORT BUT THEY SEND ME THIS LETTER INSTEAD : READS THAT THEY CANT FIND ANYTHING AT THIS TIME AND I NEED INSURANCE KNOW BECAUSE OF THEM I CAN'T OBATINED INSURANCE AT AFFORDABLE RATE. XXXX CANCEL MY POLICY XXXXCANCEL ME AS WELL BECAUSE SOMETHING ON MY CONSUMER LEXISNEXIS REPORT AND THEY AREUNABLE TO LET ME KNOW WHAT IS IT. 
THIS IS MY COMPLAINT.
Product: Credit reporting or other personal consumer reports

There were a host of inquiries filed on my report without my concent I havent applied for credit from any of these companies I need these inquiries deleted now
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to a friend in NY on  XXXX / XXXX / 17 . It took a week without receiving the money. I tried callin g Western Union on s everal occasions but all to no avail. And now when I checked on the phone, they are telling the money has been paid to someone in Colorado, why Colorado when the money suppose to go to NY?   XXXX  This is definitely a scam fro m Western Union!!    XXXX  Lesson learned ... never use  western  union.
Product: Credit reporting or other personal consumer reports

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of Georgia Consumer Law and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Bankruptcy Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time. 

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under XXXX XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX XXXX  must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX XXXX  must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Debt collection

XX/XX/XXXX Attention : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX D.O.B XX/XX/XXXX Email : XXXX XXXX XXXX : I would like all of my unauthorized derogatory remarks removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account name : XXXX XXXX XXXX Account Number : XXXXXX Date file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Reason : THIS IS INACCURATE
Product: Debt collection

Pioneer Credit Recovery Collection calls numerous time a day and never leave a message. I will not answer calls unless they're in my contacts. I found several complaints for this number, some have answered and they said they ask for personal information right up front and claim bogus amounts of money you owe. I can block the number but XXXX XXXX says they can get you money if they keep calling?
Product: Student loan

Navient and XXXX split my student loan between the XXXX companies. I owed one affordable payment, but after the split they both demanded an extremely high amount of money per month to pay. Numerous times I have tried to negotiate a more affordable payment per month. After I talked with their " financial adviser '' all they could tell me was to ask for help from my parents or someone to make the payments. They can not negotiate, nor do they understand my financial situation, and resort to harassing me and my family by calling relentlessly each day. Again, when I try to negotiate an easy payment, they do not come down in price. They give me an option to put my loan in deferral by paying about XXXX dollars to bring the loan up to date, then it goes right back to the obscene amount the next month and I start the process over again.
Product: Mortgage

In XXXX of XXXX I received a letter from Mr. Cooper Mortgage Company offering assistance for those effected by COVID 19. I was having a hardship but had not defaulted on the loan yet. I thought it prudent to be proactive and applied for forbearance and was approved. I was in forbearance from XX/XX/XXXX to XX/XX/XXXX. 

Mr. Cooper contacted me to advise my forbearance plan would conclude at the end of XX/XX/XXXX. The letter also offered next step solutions for my mortgage, including modification. I began the modification process in XXXX of XXXX. The company advised that I would not have to submit payments while I was applying for the modification. 

On XX/XX/XXXX, I received a letter from Mr. Cooper stating that I was approved for an FHA HAMP Modification and Partial Claim Combo. The modified payment would increase my mortgage payment by {$480.00}. It was my understanding that an approved modification results in lower payments and/or interest rate. The interest rate increased from 2.75 % to 6 %. 

The letter also states that I am declined the forbearance plan. This confuses me since I was already approved for and went through the forbearance plan. 

Upon reading Mr. Coopers modification terms, I called their modifications department. I told the representative I could not afford to pay the amount and would rather stay under my previous mortgage terms. He advised that to go back to my previous mortgage, I must pay a substantial lump sum equaling approximately six months worth of mortgage payments. He said my only options were to agree to the modification terms that would increase my mortgage by almost {$500.00} or pay a lump sum of over {$7000.00} to stay under my previous mortgage. I am financially unable to do either. 

I was duped into believing I was receiving assistance due to hardships brought on by COVID 19. Instead, I was misled into possible foreclosure.
Product: Vehicle loan or lease

My current car lender has repossessed my vehicle due to non payment. I have not been able to pay because of illness, XXXX, and hardships. I was devastated by the XXXX of two family members in XXXX during the hurricanes. Even though i did not have much i was asked to contribute to each funeral. And also My income had become affected by the hurricane in texas. Many of my clients were forced to cancel and as well as myself was forced to cancel many appointments. After the homegoing of my one of my uncles and one aunts, I fell ill to an unknown XXXX XXXX. I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. That same day I called and alerted my lender about my  situation. I stated that I would try to make a payment on the XX/XX/XXXX,  because i expected to be paid a lump sum of money from cancellations. I was unable to make the payment on the XX/XX/XXXX. Then finally I was told of another death in my family in michigan the first week of XX/XX/XXXX. I had no intentions on allowing my car payment get away from me this way. But I did let Ally Financial know of the troubles My family and I were experiencing. And I was told that I would be given time to make a minimum payment to push the other payments to the end. Unfortunately, I had not been aware of the repossession until it was too late. I have been struggling since the hurricanes hit! I know that my family is n't the only one that has been affected, but at this very moment I will struggle even more by not being able to get to my clients to bring in the income at all. The Ally Financial rep even stated that I had never fallen behind like this before, and they were here to help me in my time of need. I woke this morning, to find that my car had been repossessed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 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 or other personal consumer reports

On XX/XX/year> I was in an accident that was ruled conclusively by Louisiana XXXX Police to not be my fault even in part. Now when I try to get different insurance quotes from my current provider, XXXX XXXX, XXXX, and others claim I have an at fault accident on that date. The insurance companies involved were XXXX ( mine ), XXXX ( the person at fault ), and XXXX ( another vehicle struck by the at fault party ). I believe the companies quoting and showing at fault are using XXXX/Lexus nexus to obtain this false information. Someone has either provided the wrong info to XXXX  or they have entered it incorrectly at XXXX. I worked with an XXXX XXXX XXXX [ XXXX ] at the Louisiana Department of Insurance and they were unable to find how this is being reported incorrectly ( complaint filing XXXX ). All Insurance companies were contacted by the XXXX  Investigator and all companies say I'm not at fault. Please help get this corrected or I will continue to be overcharged for insurance. I can provide numerous documents and reports to support this. I will attach some and if more is needed please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Titan Revenue Solutions is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Titan Revenue Solutions the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Titan Revenue Solutions whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Titan Revenue Solutions Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX  is furnishing. 

LIST OF INNACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY THE XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that TXXXX XXXX XXXX  complied with this requirement.
Product: Credit reporting or other personal consumer reports

Someone opened a fraudulent credit card account with XXXX XXXX  using my personal information and were making the payments towards that fraudulent credit card account while I was in overseas. When I found the information about this fraudulent account in XX/XX/year>, I immediately called the discover bank customer service and reported the account as a fraud, and sent the affidavit and all the requested documents to their dispute department. Back in XX/XX/year> the credit card balance was - {$1.00} as per their statement, after 4 months of investigation, they have re billed the same credit card for the amount of {$1700.00}, I do not know even how it is possible, an account balance goes from - {$1.00} to {$1700.00} while it was reported as a fraudulent account, they failed to investigate this account properly and they also failed to verify the identity before allowing someone else to open this account fraudulently, They must be responsible for this fraudulent credit card account and remove it from the credit reports immediately.
Product: Debt collection

I reached out to Alliance Collection Agencies by mail asking them to verify a debt that was reported on my credit report. They have yet to validate the debt properly, with competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The amount of the debt is XXXX I sent them letters on XX/XX/2019 and on XX/XX/2019 asking them to send me documents bearing my signature. they haven't verified the debt properly. The Fair Debt Collection Practices Act states if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Debt collection

A credit card was open in my name in XXXX XXXX was a victim of stolen property in XXXX XXXXThe monthly statement has a different address than mine.
Product: Debt collection

Original creditor was XXXX  which was in the BK field XX/XX/XXXX which have a XXXX balance Cavalry Portfolio Ser bought the debt XX/XX/XXXX after BK was file and please in collection XX/XX/XXXX ask XXXX XXXX with a XXXX balance asked the original creditor this is a Reappearance of a trade line and after the BK was file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

A few years ago I cancelled my phone contract with XXXX because I found out it was cheaper if I just bought a pre-paid phone. Well in order to get a pre-paid phone and get out of my current phone contract I had to pay off what was left on my current phone contract. I'm pretty sure I was told I paid off everything with them. Later my card information must have not been taken or rejected because I found out I had money in collections. I wasn't able to find out that I had an unpaid debt because I had changed phone numbers! I have never had any problems with paying my credit on time or debt problems of any sort and I hate that this is on my credit record and I want it off if any way possible. 

The creditor that was trying to call me but was calling by previous cancelled number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX The phone company I had cancelled with but couldn't contact me because they were calling a canceled number was : XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX My credit collection opening date was : XX/XX/2015 The collection amount I paid of on record at XXXX XXXX is : {$110.00} ( However, I remember paying way more ) My current phone number is : ( XXXX ) XXXX I want this off my record as I genuinely was not able to be contacted for years because they were trying to contact me at the wrong number. I didn't find out about this until got an account with XXXX and saw it on my record. So I ended up having to call them from my new number. 
Thank you so much for your help. 
Respectfully, XXXX XXXX