23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Friday, XX/XX/2021, a check for a {$1000.00} scholarship from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois ( XXXX of Illinois ) was deposited into my account ending in XXXX. On Saturday, XX/XX/2021, notification was received that this check needs to be verified. Upon calling Capital One, no one could provide me with a reason as to why the check needs to be verified other than stating that it looks like it has been altered. The check is printed and not handwritten and has security features on the check to avoid any fraudulent activity. I was told that the bank needs to speak with someone from the organization before they will release the funds. I have provided the name and telephone number and received no help. Today, Monday, XX/XX/2021, I have spent about 5 hours on the phone where the calls ended with Capital One disconnected the line and providing no help. This is the SECOND check this issue has occurred with. Both checks are for scholarships that my son has received for college expenses. 
Capital One representatives have provided NO details or information as to why these funds are being held. When I have inquired about more details, I have been told " we don't have to answer that. '' I have 7 accounts with this bank including 3 credit cards, 2 checking accounts, 1 savings account and now my auto loan. No one should be treated this way when trying to handle their financial business with a banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX- Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020. # 5. XXXX XXXX XXXX XXXX  -Loan Amount {$0.00}XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

( SEE ATTACHED DOCUMENT ) LVNV FUNDING LLC attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX XXXXXXXX attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My loan is fraudulent 2.they do not have original mpn 3. it does not have my signature 4. I have filed complaint with DOE and FTC 5. College had me sign a contract under false pretenses they told me my credits where able to transfer when they werent. Its been under investigation for over a year still damaging my credit.
Product: Credit reporting or other personal consumer reports

There are multiple items on my credit report that aren't mine. For the first which is a loan. I was instructed by a judge to file a police report. When I went back to the court the case agaisnt me was dismissed, The other three items were credit cards. I explained to the judge and the police I suspect it was my ex wife that opend those because she and her family have a history of doing that.

I contacted experian to dispute those items and uploaded documents from the court and police report. They sent me an email citing 611 ( a ) ( 3 ) ( A ). When I disputed the items in question I couldn't had been more " specific ''.

I tried calling several times to get person on the phone to straighetn this out. Unfortunately they have some automated response thing which is apperantly in place to stress a person out. 

I took everything to my mental health team at the XXXX Mt XXXX and social worked said I did everything on point. I then went to the court 's help center and described every step I took. The lawyer there said they went me to jump through hoops unecessarily.
Product: Credit card or prepaid card

I believe that HSBC lowered my credit line. They have not issued any letter or calls stating this. They have the absolute worst online site. You cant see your limit except for the last statement which show {$2500.00}. So I was buying something small and last I knew had XXXX or more available and I was declined. I looked at my statements and my credit score hasnt change much in fact has got better. Ive never missed a payment. What they are doing is Wrong!
Product: Student loan

Over the past 13 years, the student loans I took out to attend XXXX XXXX XXXX have ballooned out of control due to the errors, omissions and deceptive practices of Navient ( formerly XXXX XXXX ). 

Original balance on a loan I started was for {$26000.00} and another ( which I have yet to see my signatory document ) for {$19000.00} ( total : {$45000.00} ) increased while I was paying the monthly payments ( as I was able ) to {$76000.00}. 

Now I am not a finance major, but even with a few forebearances that I requested when there were financial troubles, but it seems that misallocation of my payments to forebearence fees, erroneous late fees, etc caused capitalized interest build up during my repayment program. 

So even though I was making payments, the balance only always rose. Even when I requested a fixed payment extended plan ( which would increase the overall sum I was paying ) they did not put me in that program and with variable rates increasing, the payment kept increasing. 

No one ever advised other alternatives to forebearance, nor did they advise that the interest first payment structure was going to be used. So although I made 13 years of payments, nothing was ever applied to the principal balance - and with capitalized interest - my balance has only increased. 

I am a teacher and I can only shake my head that the deceptive practices of Navient ( XXXX XXXX ) are allowed to continue like this. 

When my repayment program shifted from $ XXXX to $ XXXX, I extended the payment plan so the payment would be $ XXXX. Over the last 4 months, the payment has increased by $ XXXX so now when faced with a $ XXXX payment that never seems to decrease the principal balance, I refinanced the loan with XXXX. It took me 2 years to repair the credit reporting mistakes that Navient made to the reporting bureaus, else I would have left them long ago. 


This is exactly the type of loan program that caused the mortgage meltdown and needs to have corrective and significant action so that other borrowers are not treated like I was and they do not experience the financial hardship of ever increasing debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving services from Lexington law for 2years .I had to pay excessive fees for the fixing of my credit report..i am victim of identity theft/abuse since a very young age..Lexington law collected monthly payments from me for two years and havent removed anything neither did any research on using the laws so I could reap the benefits of the fair credit reporting act on my behalf..im out of thousands Im a single mom & just want the service I paid for.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone hacked my cash app account and pulled {$150.00} from my XXXX XXXX XXXX XXXX debit card. Immediately after, the hacker attempted 5 transactions that were canceled by cash app. The transactions were as follows : To XXXX for {$150.00}, XXXX XXXX for {$100.00} and {$50.00}, XXXX XXXX, and {$120.00} to XXXX were all canceled. I attempted to cash out the money back to my card and close the app before my money was taken but kept receiving an error, I could not get in touch with anyone from cash app and I went to my bank to file a dispute and get a new card which they gave me a hard time. The bank told me they couldn't treat it as fraud until they investigated. The person then cleared the {$150.00} from my cash app with the following transactions XXXX XXXX XXXX XXXX, XXXX, XXXX and a cash out to XXXX XXXX bank in the amount of XXXX. I have never heard of XXXX XXXX cards and I do not have a XXXX XXXX XXXX  account. You can also see from the screenshots where they tried to take more money even after all the money was gone. When I saw the bank denied my claim, I called the branch the reps told me they could not help me and hung up. I took the proof to the branch, they still told me they could not help me. I reached out to cash app via email and received a response stating they had no further information for me and to reach out to my bank. BEWARE of XXXX XXXX XXXX XXXX, I recently found out this happened to others.
Product: Credit reporting or other personal consumer reports

I have contacted the three three buerues by mail and by email and there has been not progress over a month now of them not taking down these faduelnts accounts and I would like them to move of this accord
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a scammer called and pretended to be working for XXXX. The scammer XXXX stated the police caught XXXX XXXX, the person who actually did a fraudulent activity on my account last year, and said he was trying to act like me and take money from my account again. The scammer said XXXX help me resolve this issue by doing a reverse wire transfer. I am not familiar at all with wire transfer and have never done it before. The scammer instructed me on how to do a wire transfer and assured not to worry about money going out of my account as it is FDIC-insured and will be returned to my account once I receive a new debit card. There were 5 separate wire transfers ( Ive attached the photos ) + XXXX XXXX transactions totaling $ XXXX that they took from my XXXX account XXXX My whole life savings gone in just a matter of minutes!! My objective was to fix this fraudulent activity happening on my account and I did not intend at all to give my life savings to the scammer. A few hours later, I directly called XXXX and was shocked to have learned I was scammed. This whole ordeal has been a nightmare. XXXX of the supervisors from the XXXX XXXX XXXX XXXX said all wire transfers on her system said Pending/Beneficiary hasnt received the money, which could be a good sign for me, as the transfers shouldve gone through instantly. This pending status stayed for two days or so on their system. XXXX then sent swift messages to the beneficiary banks ( Wells Fargo and the XXXX ) on the same day, XX/XX/XXXX. Wells Fargo responded theyve received the swift message on XX/XX/XXXX but XXXX did not. On XX/XX/XXXX, XXXX stated both banks requested for Hold Harmless letter to which they sent the same day, but up until today XX/XX/XXXX, neither banks have not responded to XXXX. I still dont know if they were able to freeze the funds the moment the swift message was sent or if they released it to the scammers. I am very concerned with the lack of communication from the beneficiary banks and XXXX incident reporting unit keeps dismissing my case as theyve determined its a scam. I keep requesting for the XXXX XXXX to keep doing further investigation as I really did not mean and authorize for the scammers to do this on my account. How I wish XXXX put a block on my account as soon as the XXXX wire transfer was sent, as Ive never in my life taken out $ XXXX, let alone $ XXXX, then $ XXXX, then $ XXXX, and $ XXXX, back to back, and finally at $ XXXX, my account got blocked. To help strengthen my case, I sent XXXX a police report, as well as FTC and IC3 complaints. Today, XX/XX/XXXX, I still have not received my money back. XXXX keeps saying theyre still waiting for the beneficiary banks for their response to no avail. I am feeling hopeless and really need your help to obtain my whole life savings back to my account. As well, for the scammers to be punished for what theyve done.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Genesis Credit Management LLC, c/o Columbia Debt Recovery LLC , regarding their violations of my rights under the Fair Credit Reporting Act ( FCRA ) in connection with an alleged debt ( Account # XXXX ). 

On XX/XX/year>, Genesis Credit Management LLC received a certified letter from me, requesting proper validation of the alleged debt. Despite this, they sent a letter on XX/XX/year>, failing to provide the necessary validation, which violates my rights under the FCRA. Furthermore, when I contacted their office by phone on XX/XX/year>, they were unable to properly validate my identity and terminated the call without addressing the issues I raised. 

The companys failure to provide me with the requested validation of the debt, combined with their mishandling of my personal information during our conversation, raises serious concerns regarding their compliance with federal regulations. 

I am requesting that the CFPB investigate this matter and ensure that Genesis Credit Management LLC complies with the requirements under the FCRA, including the provision of : 1. The original purchase agreement and terms of the alleged debt.

2. Proof of the chain of ownership of the debt from the original creditor.

3. The date of first delinquency with the original debtor.

4. A copy of their bond to operate as a debt collector in my state I appreciate your assistance in resolving this issue and holding Genesis Credit Management LLC accountable for their violations of my rights. 

Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused severe distress, and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report with 100 % accuracy. 

According to the Fair Credit Reporting Act, all information on my credit report must be reported with complete accuracy. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate accurate reporting. 

Attached are copies of all correspondence I have previously sent. I urge your agency to promptly rectify these errors and ensure that my credit report reflects accurate and verified information as required by law.
Product: Debt collection

On XX/XX/2019 at XXXX, I received a phone call from XXXX, XXXX NC a lady by the name of XXXX ( I'm guessing spelling ) asking me to confirm my personal information. I refused to do so and ask again what her name was and company. She stated Alliance Group and Associates. At least I think that is what she said. When I refused to confirm SSN she asked to confirm birthday. I asked again what was the matter and she very rudely denied to state the matter until I confirmed personal information. I informed her I have reported identity thief and I refuse to give any personal information over the phone and she is more then welcome to mail me any information. She accused me of being non-responsive to mail. She proceeded to make accusatory remarks to me such as " who ya hiding from ''. When I informed her AGAIN I am not providing nor confirming any personal information. She then threatened to proceed with legal actions and reporting my SSN to someone, I couldn't understand her. I stated to her to do what ever she felt she needed to do, I am not giving any information over the phone. She proceeded in a threatening manner to say " Oh I am going to '' and rudely hung up. I suspect this is a scam.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) Section 605B empowers individuals to block inaccurate information on their credit reports caused by identity theft. If you suspect you are a victim of identity theft, you can request credit reporting agencies to remove fraudulent accounts or erroneous details under this provision. This ensures your credit report accurately reflects your legitimate financial history.
Product: Debt collection

I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report. I never authorized, used, or benefited from these accounts or transaction in any way.
Product: Credit card

Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal RE : Adverse Action Dear XXXX I, the consumer and natural person was denied credit by Chase when I applied for a credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the ECOA and TILA which is codified in ( 15 U.S.C 1691c ) and is pursuant to civil liability under ( 15 U.S.C 1692k ).

You are subject to criminally liability for violating ( 15 USC 1691 ) as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of ( 15 U.S. Code 1642 ), ( 15 U.S.C 1681m ) and ( 12 CFR 1002 ) because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX. If XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make XXXX  criminally and civilly liable for all actual damages pursuant to ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ). I will also follow up with an invoice for said violations ( { XXXX } per violation ). Thank You, Last Name : First -Middle / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost XXXX points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXXXXXX XXXX  Account/Reference 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
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 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 and list of Inquiries. 

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

Do not recognize charges on all of the following accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.
Product: Prepaid card

my payroll direct deposit was never credited to my account, they are blaming a computer glitch however as of today, they have not made good on those funds. That 's not a glitch that 's fraud.
Product: Credit card or prepaid card

I recently sent a dispute through all 3 credit bureaus to have a closed account with your bank removed from my credit reports. You responded to XXXX and XXXX, and indicated information was accurate, but would not agree to remove it. I am writing to request the it be removed for the following reasons : 1. The account has a XXXX balance. 
2. I closed the account, and paid the balance in full on XX/XX/19. 
3. This has been on my report for 3 years in XXXX, which I feel is sufficient. 
4. I had one late payment the same month I closed and paid the account in full. 
5. I had made all previous payments on time, and made minimum payment each time. 
6. Indicates I had a high balance, which is somewhat misleading, due to the fact that a part of the was interest. 

Due to the reasons stated above I would appreciate it if you would remove this account from all 3 Credit Bureaus as soon as possible.