23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX to let them know this auto loan does not belong to me, Experian is Violating The Fair Credit Reporting Act by not Removing the XXXX and XXXX XXXX Account From my credit report I have sent in all necessary Documation along with Identity theft reports and And Victim Complaint form that Was Notarized. The account Experian deleted and Blocked due to me being a victim of Identity Theft and then they added it back. I have attached Proof.
Product: Checking or savings account

In XXXX, I opened a savings account ending in XXXX with a precursor company named XXXX. CapitalOne bought them and in XXXX, I opened a CapitalOne360 money market account with CapitalOne. From my opening the money market account in XXXX until today, I was constantly told on their website about the high interest rate my " CapitalOne 360 '' account was earning. However, in XXXX, CapitalOne created a new savings account with an almost identical name called a " CapitalOne 360 Performance Savings Account. '' The website never changed its tune in trumpeting the high interest rate being provided by the " CapitalOne 360 '' savings account, but now was talking about the " Performance '' version of the account and not the older account that lacked this additional word in its title. The website never mentioned that the company discontinued offering the non-Performance account or that its ads were now solely talking about the interest rate on the new versus the old account, despite them having almost the same name. 

The above facts mean that all of us old customers, myself included, were misled as recently as today, by these assertions on the website. We thought we were getting the 4.35 % interest rate for the CapitalOne Performance Savings account, rather than the 0.800 % rate for the CapitalOne 360 Savings account that we actually held. Having been misled for five years on this point ( XXXXXXXX XXXX XXXX ), I finally realized through an article I read in the XX/XX/XXXX, edition of the XXXX XXXX XXXX, that I needed to change to the new CapitalOne Performance Savings account to get the rate I had been promised but not provided with over so many years. I made that switch today and was told by repXXXX XXXX and Supervisor XXXX that the only difference between my old money market account ending in XXXX and my new account ending in XXXX, was the name " Performance '' in the title and a 4 time higher interest rate. No new fees, restrictions or burdens were being put on me by making this switch. This is unfair to me and other old customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian and XXXX asking them to reinvestigate these account : XXXX XXXX. On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and notice everything is still the same and according to 15 USC 1681i ( 5 ) they are suppose to do this treatment of inaccurate or unverifiable information. 
In general. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has XXXX modified or delete from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accury of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximun possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( a ) Reporting Information with actual knowledge of errors. A perdson 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. Experian really did not reinvestigation they lied on an official document saying they did something the did not do
Product: Mortgage

My loan servicing transferred to Shellpoint on XXXX. Today XXXX I received an email from them containing a video. Which stated that my payment is due on or before XXXX. Stated at least twice during the video. I still have not been provided a loan number. A link to their website was provided. And guess what you can't get to your loan without a loan number that they have yet to provide. This is essentially electronic harassment, waste of my time and resources, and poor customer service. I can't mail or make my payment online because THEY have not given me a loan number. Despite their choice to email me electronically. And they guide me to their website which I can't access because of their failure.
Product: Credit reporting or other personal consumer reports

This complaint begins with XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) filing a notice of debt to the three major credit bureaus. I do not have an agreement with XXXX XXXX, because the agreement was with XXXX XXXX, where I co-signed for XXXX XXXX to receive solar panels for her residence at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. XXXX XXXX fraudulently used a non-representative named XXXX XXXX to mislead XXXX XXXX into obtaining the solar panels on the premise that she would receive {$21000.00} after one year of having the solar panels. The amount mentioned is in the contract with XXXX XXXX. Still, XXXX XXXX states it is not honoring the " Rebate '' amount of {$21000.00}, because XXXX XXXX is not a representative for XXXX XXXX, even though the contract is now being enforced by XXXX as the financing agency, due to XXXX XXXX filing XXXX  XXXX Bankruptcy in Arizona ( Case no. XXXX ). 
I filed a notice to Experian, XXXX, and XXXX regarding, the following particular issues with XXXX XXXX : XXXX : XXXX XXXX never provided me ( XXXX XXXX ) with Federal consumer co-signer counseling before " allegedly '' engaging in a contract with me as a co-signer for XXXX XXXX. According to 12 C.F.R. 706.3 ). The notice says : 1. You are guaranteeing the other person 's debt. Therefore, if he or she does not pay, for whatever reason, you will have to pay instead. Always make sure that you can afford to pay and that you are willing to accept the responsibility.

2. You will be liable for the entire amount of remaining debt if the borrower does not pay, as well as late fees and collection costs.

3. In some states, the creditor can come after you for payment without first trying to collect from the original borrower. Collection may include suing you and garnishing your pay or property. If the loan is not paid, it may also be placed on your credit report. 

XXXX : XXXX XXXX is prohibited from executing a loan of any type in the state of Florida states CF : Consumer Finance Company : The license authorizes the holder to solicit, make, and collect loans to consumers in this state for an amount not exceeding {$25000.00} at an interest rate greater than 18 %. The license is not required for banks and certain other financial institutions doing business under state or federal laws. 
Chapter XXXX, Florida Statutes - Consumer Finance Act Rule XXXX, Florida XXXX XXXX - Florida Consumer XXXX Act XXXX : XXXX XXXX XXXX XXXX XXXX to deceive XXXX XXXX XXXX this contract through deception and fraud against an elderly person of the age of XXXX XXXX XXXX under Florida law XXXX A criminal complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ). 

In closing, it is my complaint that XXXX, Experian, and XXXX have failed to remove XXXX XXXX from my credit report until conducting a thorough investigation of whether these allegations are founded and creditable as required by the rules of The Federal Trade Commission, Florida law on crimes against the elderly, failing to provide the required " Co-signer '' counseling as required by XXXX C.F.R. XXXX Unfair or deceptive cosigner practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXXXXXX XXXX XXXX with XXXX and Equifax to reinvestigate the following account : Account name : XXXX XXXX XXXX Account # : 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 suppose 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX XXXXXXXX XXXX. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both XXXX XXXX Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00}
Product: Student loan

my daughter did not pay her loans in a timely manner. as a result the private loan company Navient came after me to pay the outstanding balance and be responsible for paying the XXXX loans that were due. they did not explain anything about the process only that according to them I had enough extra money to pay these loans which have interest rates of 9 % and 8 % and 9 %. I do not have the extra money and have repeatedly contacted them to find a way to either put them back on my daughther who I am sure would be able to get a financial hardship decision regarding her income. I have been trying to find some program to help me with this loan company who at the very beginning reported to XXXX credit company that XXXX loans were in default which in turned notified my bank who then froze my line of credit and I have not been able to resolve that issue either even though I have been making payments on the XXXX loans on auto pay. these loans came from XXXX XXXX and they sold them to Navient with very little notice. I always thought that XXXX XXXX was a government program not a private lender. Neither company has been willing to discuss any way to fix these payments in a way that I can afford to pay them. They total over {$350.00} a month all together. They are rude, and have not cleared up the default to my bank or the credit company. There should be some government agency that oversees these companies so that they can not continue this practice. I need some help with this illegal situation.
Product: Checking or savings account

I transferred money from XXXX Bank to creditkarma.com {$2000.00} it never made it to the account and was marked NSF this was not true at the time of the transfer nor is it true now. According to XXXX XXXX a bank to bank transfer is like a Cashiers Check coming back NSF it can not happen. 

Furthermore, my atm card is not working and there is no valid reason for this.
Product: Debt collection

I have contacted XXXX XXXX and have obtain proof that XXXX XXXX has paid this bill according to the contact enclosed is the form that was sent to me. I advised this collection agency the same information and they still place account against my credit. I feel this collection agency violated rules and regulation and should be punished to the full extent of the law this collection agency CEO and staff feel there above the law and do not have to obey rules. Rules and laws are there for everyone to obey, and what XXXX XXXX XXXX have done in this action is with disregarding all rules place by the Fair Debt Credit Act and should be fined. Enclosed is the verification that XXXX XXXX has sent me that the account is only XXXX invoice for {$1500.00} however again violating Fair Debt Credit Act Ability Recovery Service placed XXXX account same opened date of XXXX/XXXX/XXXX and same amount of {$1500.00} and same company which is XXXX XXXX XXXX XXXX. This bill to XXXX XXXX XXXX XXXX were paid in full. XXXX enclosed payment verification. I will also be filing complaint against XXXX XXXX XXXX XXXX to XXXX for the stress that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have placed on a person with XXXX XXXX, XXXX, and XXXX XXXX and XXXX XXXX replacement. 
Because of the stress your agency has caused me with the phone call and letters although I told your collector that this bill was paid with amount and date payment was paid to XXXX XXXX XXXX XXXX and faxed a verification of the payment to XXXX XXXX XXXX and they failed to call their client and verify the information. 
Your agency and your client XXXX XXXX XXXX XXXX has caused me to get readmitted. I will also speak to the XXXX XXXX for Florida XXXX
Product: Debt collection

Continual calling and not leaving voicemail. Called my wife and said I owed money for an XXXX trip back in XXXX Require proof from Phoneix Financial this is legitimate such as original invoice from XXXX  provider, etc.
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX Debit card transaction {$81.00} {$1600.00} A. XXXX XXXX XXXX XXXX XXXX XXXX DOES NOT RESOLVE CREDIT OF {$81.00} I AM DUE FOR XXXX. I AM DUE A CREDIT OF XXXX CHARGED ON XXXX
Product: Credit card

I receive a report that one of my accounts had been closed. This was confusing as the account was on auto pay and was in good standing. I logged into the account and the account was current, but showed closed. This has dropped my credit score significantly. I have had a collector reach out demanding full payment. I inquired why the account was closed through their chat feature. The rep lied to me and said the credit bureau closed the account. I explained that it wasn't how it worked, but he refused to do anything or assist in anyway.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Charge account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

1 ) Account Name : XXXX  XXXX XXXX Account Number : XXXX 2 ) Account Name : XXXX XXXX  Account Number : XXXX 3 ) Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

The following Credit Reporting company below was contacted : Equifax, XXXX. XXXX  XXXX, XXXX, GA XXXX, XXXX ( XXXX ) XXXX The 1st letter was sent to Equifax company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed document with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( XXXX vs XXXX [ Equifax ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response! 

Please see the attach documents for more detail information.
Product: Checking or savings account

Wells Fargo ( WF ) Bank suddenly closes my account and took {$7200.00}. Initially due to fraudulent activity, WF is closing the account and WF will return the money in a cashier check within 30 days. But, then after 30 days, WF said they are not going to release the fund and there is no explanation. FYI, 1 ) WF did not give me any warning or did not make any communication prior to closing the account. 
2 ) WF never reached out to me to verify or explain any of the activities. 
3 ) WF loss and prevention center did not explain what and why this fraudulent activity is triggered.

4 ) Upon calling multiple times, WF keeps giving me vague reasoning and changing their words. WF also said they are not going to give me an official letter either. 

Please help me out to get this fund released.
Product: Credit reporting or other personal consumer reports

I discovered that Capital One has initiated multiple hard credit pulls that I did not initiate via XXXX XXXX, XXXX XXXX, and XXXX XXXX. In addition the use of XXXX Interactive with the numbers XXXX and XXXX have appeared on my credit reports and I have not initiated credit requests from XXXX XXXX this many times. There are in some cases 4 pulls in one month dating back to XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.
Product: Debt collection

i was a victim of identity theft and i want these fraudulent charges off my credit file
Product: Debt collection

Block and remove the XXXX account listed below, as mandated by law and the FCRA. Failure to comply within XXXX XXXX days will result in XXXX XXXX, and I do not consent to XXXX XXXX methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {XXXX Please delete this account ASAP.