23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Refer to complaint # XXXX This is a continuation of the complaint, which is still not resolved. While they are no longer calling me 8 times per day, they are still calling from collections. I began asking for the XXXX XXXX form for my private student loan with Navient in XX/XX/XXXX. To date, I have received no such form, despite requesting it twice and being told that it had been requested and sent. Today, I was FINALLY given a number to their XXXX department, where the advocate said it had never been sent. In the meantime, my credit score has plummeted from XXXX to XXXX soley due to their reporting of my delinquency. This collection and reporting should have stopped when they sent out the form, which they did not. The advocate said today that she would fax the form tomorrow to my financial counselor, and that this would all be cleaned up once the form was approved. However, I have reason to believe that this might not happen, since they have not been forthcoming with me. This has caused a lot of frustration over the past months. I 've been lied to and sent in circles, being transferred from one wrong department to the next. This phone number should have been given to me back in XX/XX/XXXX at my first inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX., I visited the US Bank located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to deposit a check I received from XXXX XXXX XXXX XXXX XXXX, also known as the XXXX XXXX XXXX. When I handed the check to the employee, he took it from me, stating that it didn't have a watermark. Since the check was issued by XXXX XXXX, I didn't believe they had the authority to withhold it. I requested that the check be returned, but the employee refused both to return it and to deposit it. 

I immediately left and contacted the XXXX  XXXX XXXX, who confirmed there was nothing wrong with the check and advised me to return to the bank and ask them to deposit it or give it back. I also provided the employee with a phone number to call and verify this information, but he declined to make the call and still refused to return or deposit the check. I then reached out to US Bank customer service, but they did not take any action. They scheduled a phone appointment, but I never received a call. 

This check, for {$710.00}, was essential to cover my expenses, and I had also taken loans to cover other costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX? XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Has violated my rights XXXX 

XXXX5 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

I have submitted information to equifax regarding a collection that I do not owe. I received a letter stating that the disputed account was not reporting. When I pulled my credit report, it was still listed. When I called Equifax, I spoke with a supervisor XXXX  ( XXXX ) who was no help. He just continued to state that the inquiry was not reporting. I explained to him that it was not an inquiry but a collection account. He said there was nothing that could be done since it was not reporting.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt for XXXX XXXX XXXX ending in XXXX, with their reference number XXXX. This debt was already paid with XXXX XXXX XXXX on XX/XX/23 with their reference number XXXX. XXXX XXXX XXXX has sent me proof of payment of debt being completely paid and satisfied. I have not received any attempts to collect from XXXX XXXX XXXX.
Product: Debt collection

Ive received phone calls just asking what is my social security number. They called from different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification of this agency place this collection on my credit reports today. Ive never gone into a contract with this company nor have they proved the validity of this debt. I have no recollection nor have I received notification. 
These rouge collection agencies are taking advantage of Covid, I predatorily adding collections to hard-working persons account without doing their due diligence
Product: Debt collection

I previously filed a complaint against Portfolio Recovery and they said they would investigate the issue. I had an account with XXXX XXXX that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. 

Portfolio Recovery stated they purchased the account from XXXX XXXXXXXX in XXXX and XXXX XXXXXXXX Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to Portfolio Recovery, showing the account was paid in full and closed on my request. 

Portfolio responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the Credit Reporting Agency about the original account in question against XXXX XXXX and XXXX confirmed the account was paid and closed. So Portfolio never had any intentions to stop illegally trying to collect a debt that never existed. 

They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. 

This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. 

I ask that CFPB intervene at this point. XXXX XXXX has not cooperated with CFPB and Portfolio has no interest in obeying the law, but rather giving lip service. 

The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.
Product: Credit reporting or other personal consumer reports

Please delete off my credit report!!!! 

Notice : Opt-Out Disclosure and Rights to Privacy Warning : This is not an inquiry, nor a request. This is a demand for you to comply with my opt-out demand and to stop the infringement of my rights to privacy!!!!! This demand is not to restrict the reporting of certain information, this demand is for you to delete any and all information you are sharing!!!! Opt-Out Notice to your Corporation : Unbeknownst to me, I gave consent for you to share my non-public personal information. 

I, XXXX XXXX, am revoking, rescinding and demanding to be opted- out of any permission or consent I have given your Corporation to share any information, transaction history and details of my non-public information between you and I. 

AFFILIATES do not include Consumer Reporting Agencies such as Credit Bureaus : XXXX XXXX, XXXX, Transunion, XXXX, XXXX, etc. as these companies provides a paid service to your company, this opt-out notice, of my non-public information between your company and I, shall be removed from all platforms immediately. 

Notice of Right to Privacy : I have a right to privacy of my nonpublic information and am protected under the GRAM LEACH BAILEY ACT -Privacy Rule. 15 U.S. Code 6801 - Protection of nonpublic personal information ****Upon receipt of this letter and to prevent any further damages to my Rights to Privacy, I am demanding the immediate removal of personal data and transactions of all companies you pay or voluntarily report my personal information, data and transactions to. 

Know that there are no permissible purposes are consent to share my information as of XX/XX/2024 by I, XXXX XXXX, the consumer pursuant to 15 USC 1681 ( c ) ( 2 ) You are also civilly liable upon receipt of this notice and is in violation of my rights Pursuant to 15 USC 1681o under the Fair Credit Reporting Act and will be subject to a fine made payable to me in the amount of {$1000.00} per violation. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 Equifax XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a bankruptcy on my credit report and failed to contact back with a 30 day period. Also failed to identify who legally provided this information. I contacted them asking for verification of bankruptcy on XX/XX/XXXX and they failed to contact me back within a 30 day period. I waited over that due date, which would've been XX/XX/XXXX, just in case it came days after, but after not receiving a letter, I wrote a letter to them again requesting them to remove this bankruptcy on XX/XX/XXXX. I received a letter back from LexisNexis on XX/XX/XXXX, and it said the letter was sent out on XX/XX/XXXX. This was after the original due date which was XX/XX/XXXX. I'm attaching all of the letters I sent and received from XX/XX/XXXX til now. I'm also attaching a letter from XXXX that said they did not contact LexisNexis and transfer any information over to any credit bureaus or third parties.
Product: Debt collection

I started this program in debit consolidating program 2012 and was told and agreed to pay back debts to debtors. I am just about finished with the program and have paid for 5 years. Was told in the beginning what my monthly payments would be and what was owed. There also was not supposed to be no more interested accrued only pay what was agreed. Now that I am almost finished the program they tacked on a 6 % interest to XXXX my last debtor for the last payment. The agreement was when I subscribed to this program was the debt would not accrue any more interest matter of fact they would stop at that point of the agreement. Money Management took over this program in XX/XX/XXXX it is was XXXX and now they have allowed this to accrue and that was my original agreement that I had with XXXX. XXXX sold their program to Money Management and now they have changed the rules. They are allowing interest to accrue and not during the time you are paying it be after you are almost completed the program. I feel this is unfair practices and misleading the consumers. They changed the policy after I have diligently paid this program for 5 years. Now they send me a statement stating estimate that was done when I first started the program and it was supposed to have been finalized what I owed, what I had to pay monthly and time span for program completed. However, they tacked on interest for my last payment added in another XXXX after I had finished the program.
Product: Money transfer, virtual currency, or money service

-Between XX/XX/2020 and XX/XX/2020, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of the West account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and found multiple unauthorized hard inquiries that I did not approve. On TransUnion, there are hard inquiries from XXXX XXXXXXXX ( XX/XX/year> ) and XXXX XXXX  ( XX/XX/year> ). On XXXX, inquiries from XXXXXXXX XXXX XXXX ( XX/XX/year> ) and XXXX XXXX ( XX/XX/year> ) appear without my authorization. The XXXX XXXX inquiry on XXXX should be a business inquiry and should not be on my personal credit report. I did not apply for credit with these lenders, nor did I authorize these inquiries, and they are negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Money transfer, virtual currency, or money service

A few years ago, I was involved in cryptocurrency mining, so I created an account on Coinbase to manage my crypto assets. Over time, I made many transactions : I bought cryptocurrency on Coinbase with my credit card and transferred my earnings from XXXX to Coinbase. However, while buying and depositing money on Coinbase was not a problem, when I tried to withdraw it, I was informed that this service was not available in my country. 

A few months ago, my account was blocked. I tried to communicate through all possible channels, but I did not receive any assistance in resolving my issues. Later, my account was unblocked, but it now shows a XXXX balance. I would like to know what happened to my money.
Product: Credit card

Amazon online purchasing continued to change my Chase Amazon Credit Card to be the sole point of purchase. I made a change to my account to use funds from my personal account, however, it continued to be reverted back to the Chase card. I knew my limit was maxed out so I ceased using the Chase CC for any type of purchase. Over a 3 month period, every purchase I made was billed to my Chase CC account. At the time, my card was maxed out, but Chase told me that because Amazon is a business partner, Chase was obligated to approve the transactions. These transactions should have be declined.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX - XXXX
Product: Debt collection

The debt collector is a third party. The creditor was sold. LVNV funding keeps harassing me and my employer, AFTER I informed my initial creditor years ago that my identity was stolen before
Product: Credit card

Re : Formal Complaint Against Capital One Regarding Account Closure and Redemption of Rewards Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding my Capital One Venture X credit card account. I recently received an email notification informing me that my credit card rewards points had been redeemed. Upon further investigation, I discovered that my account has been arbitrarily restricted, without clear justification or explanation.

I promptly contacted Capital One Support to seek clarification on the status of my account. The initial representative, XXXX in XXXX, Florida, indicated that this action was a result of a " business decision '' and that my rewards had been liquidated. Despite my persistent inquiries, I was provided with vague responses, and the subsequent support personnel, XXXX ( Employee ID : XXXX ), failed to shed any light on the situation. 

I established this account in XX/XX/2023 with the expectation of enjoying the associated benefits, which included 2X rewards on spending, a substantial credit card rewards points points of XXXX, a {$300.00} travel credit, and access to airport lounges, all in exchange for a {$390.00} annual fee. Regrettably, within just XXXX months of opening the account, Capital One chose to close it unilaterally without notice or chance to redeem these points and credits. 

Despite having paid the aforementioned annual fee in the first billing cycle, I have been denied the benefits and services I anticipated. Multiple conversations with various Capital One representatives, including XXXX ( XXXX ) in the Philippines and XXXX ( XXXX ) in Florida, have proven fruitless, as they claim to lack the authority to address the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following unknown address they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is THIRD follow up complaint. I had a issue that was reported to the XXXX policedept. I filed a complaint with the FTC over someone using my information to get accountsand loans. Someone recently was able to apply for several loans. I live in OHIO my ID isbeing used around the country. Please remove the following accounts and inquires:XXXXXXXX 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