23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank via care credit, ran my credit for a larger line of credit but I did not authorize them or ok 'd them to do so. I called in XXXX to rectify this issue and it still seems to be on my report as a hard inquiry!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft due to an XXXX  credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I was leasing a XXXX XXXX XXXX that got totaled out and my insurance XXXX supposedly paid off the balance to Citizens Bank a total of almost XXXX Dollars I went to numerous Citizens banks and was told the account was paid and closed yet according to my XXXX XXXX I have a late payment history and potential negative payments If the bank was paid how is it still showing this. It was supposedly paid off 6 days after it was totaled in XXXX of XXXX? The vehicle only had XXXX miles on it and the police report said it was a XXXX which I questioned and was told it didn't matter the name. Please help me fight this scam. As I have been forced into homeless by all the lies.
Product: Debt collection

Notice for Proof of Claim Account : Apelles LLC XXXX ( XXXX ) To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

I was a joint owner of account numbers XXXX and XXXX. The bank removed me from these accounts. I do not know why the removed me from these accounts. The previous joint numbers were XXXX and XXXX won this money through settlements, stocks, and other accounts. 

The bank was not supposed to close the account number XXXX Wells Fargo bank. These bank accounts are associated with pension, stock accounts, and other winnings that my father, XXXX XXXX XXXX and I have won. They are now allowing fraudulent usage of the checking accounts by someone other than my father and I. Someone used the account at an atm. There was {$12000.00} stolen. We are almost homeless.I need the money returned, to the account, to repair the home, purchase medicine and other personal care. I was a joint owner. Why did he allow someone to remove that much monetary funds from our joint account? My father and I are hurting emotionally, mentally, physically and psychologically.
Product: Debt collection

Please remove Cavalry Portfolio Services for {$3500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The validation letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery and a copy of the letter sent. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received from Cavalry Portfolio Services. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued. According to Regulation 1006.34 as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not sending any itemization for any of the charges of this debt, therefore it needs to be removed from my credit report and legal action ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.
Product: Checking or savings account

XX/XX/2023 - Capital One transferred {$20000.00} to my XXXX Bank account per my request XX/XX/2023 - Capital One issued a reversal request to XXXX Bank and requested the transfer be returned from XXXX Bank to Capital One saying a fraud alert was triggered ; the money was removed from my XXXX Bank account ( see attached documents ) XX/XX/2023 - I called Capital One to address the issue and they said I'd receive a response in XXXX XX/XX/2023 - I received an email confirming the reversal in the amount of {$20000.00} and the amount would be credited within XXXX hours ( see attached email with confirmation ) XX/XX/2023 - the amount has not been credited to my account and Capital One representatives are saying it is deposited and I should check with XXXX bank ; XXXX bank said via phone call they returned the money XXXX and it should have been received by Capital One no later than XX/XX/2023 Capital One issued a fraud alert and stopped XXXX of my deposit. They made me jump through all sort of unnecessary hoops to verify my accounts when they could've just confirmed all the info with the other bank. They then lost, and are refusing to return, the {$20000.00} they reversed from my bank account. I have the paper trails from both accounts showing the transactions to prove the missing money and timelines.
Product: Credit reporting, credit repair services, 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I have two accounts with this company on my credit report. One is for XXXX and the other is for XXXX XXXX XXXX. They are refusing to provide validation of debt ( last bill provided by original creditor ), I JUST NEED VALIDATION OF DEBT FOR BOTH ACCOUNTS PLEASE. Please do not contact me, only via CFPB or mail
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$470.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Due to covid-19 lost my job I was unable to work to pay my car note with Capital One I explained my situation and as soon as I got the money I caught up on all the car notes they assured me that they would remove all late payments now they saying they can't find any of the information they said they will reach back out to me and they haven't done that but I've been calling them once or twice a month
Product: Debt collection

I paid an outstanding debt to XXXX XXXX on XX/XX/XXXX. They turned me over to collections unbeknownst to me on XX/XX/XXXX. The collection agency is Hawkeye Adjustment. Hawkeye reported the debt as in collections on my credit repot as of today, XX/XX/XXXX. I called XXXX XXXX and had to leave a voicemail. I then called Hawkeye. They put me on hold, came back on the line, and said, " Oh yeah, you did pay it, they ( XXXX XXXX ) just forgot to tell us. '' I said I wanted my credit report fixed immediately. This is damaging to my credit and it should be fixed immediately as it was not my fault. Hawkeye said they will " try '' to fix it today, otherwise, it won't be updated until XX/XX/XXXX. So now I'm stuck with a collections notice on my credit report because XXXX companies apparently can't talk to each other.
Product: Debt collection

I am writing in regards to a bill received from XXXX saying that I owe them {$410.00} from XX/XX/year> I had canceled my membership long before that and I had only a three month contract with them which I did pay. I did call the company and I wrote them a letter. 

Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying to work with each of the companies listed and they have been unwilling to respond or advise as to why they are reporting information that is false or Fraud on my credit report. I have sent them copies of all my ID and social security numbers and the police reports and the Identity theft report from the Federal Trade Commission and they still have not been removed for responding to my request. I am asking that you aid me in having them correct this information by removing and blocking the information from my credit report as stated in section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. 
I have also requested that they send me updated copies of my credit report and they have not done so. 

Never lived at any of the addresses listed 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

An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Bank account or service

Recently Navy Federal has been found guilty of illegally freezing members accounts and only allowing certain access when past payments on accounts are due. Navy federal illegally doing this caused late fees assessed through my rental company. When they froze my accounts the rental company was unable to draw money from them. How can I go about getting these fees credited back due to the actions of Navy Federal?
Product: Student loan

between XX/XX/XXXX-XX/XX/XXXX I did a plus parent loan for my daughter XXXX XXXX. I didn't sign no papers on this loan. My daughter was injured and couldn't attend the program anymore. I started making payments and realized that she had 3 loans that total to {$17000.00}, {$860.00}, {$6400.00}. On XX/XX/XXXX I consolidate all the loans with Navient. With the interest rate being 8.5 % it seems the loans keep increasing and making it difficult to manage. Since XXXX College is a private school why are the loans affiliated with the Department of Education. I never signed off on a Federal loan. I never signed any papers. I have requested for validation with my signature but never once received it. The loan was for a private institution and not federal.
Product: Payday loan, title loan, or personal loan

I revoked my ACH on XX/XX/XXXX with Avio Credit. I got confirmation from them via email on XX/XX/XXXX. I talked with a representative confirming they would cancel on XX/XX/XXXX the ACH for XXXX. They still took out the money and admitted that I had confirmed it wouldn't hit my account. I was going to make a final payment for the balance. They are now saying I had to cancel with them over the phone and the email confirmation doesn't matter. I did call and cancel over the phone and they said that doesn't matter because I had a " promise to pay ''. I asked how I cancel that and they said email and call. Which I did. 

Charge was {$200.00} on XXXX to my checking account with XXXX XXXX XXXX XXXX 

They are predatory and abuse their ability to pull funds.
Product: Checking or savings account

My wife and I opened a money market account at huntington bank to save money for building our house. After taking money out for construction, my wife asked the office to close out the account and transfer any remaining funds into our other savings account. This was before all this Covid stuff started. The bank was having problems and said they would get back with her. I didn't realize that the bank was charging {$25.00} per month if the account was under {$25000.00}. I wanted to transfer some money from my checking into my savings. Huntington hid any savings account under another tab, so the savings balance is not easily seen. When I selected the tab, the money market account was in the negative. I made a complaint to the Huntington office on XXXX XXXX in XXXX XXXX, mi. They only refunded {$75.00} dollars in fees. This branch said because the account was opened at the XXXX branch in XXXX XXXX, MI. There was nothing else they could do. I went to the XXXX branch, and this branch said because the XXXX XXXX branch refunded {$75.00}, there was nothing they could do. So as far as I figure, Huntington owes me over {$500.00} dollars because they didn't close out the account when my wife asked them to close out the account. Plus, the bank knew that they charge fees on accounts like this, and not one associate said, " I see that the money market account is below {$25000.00}, are you aware that your getting charged {$25.00} per month? '' My wife goes to the bank all the time, and not once did any associate mention any fees.
Product: Credit card or prepaid card

My sister in law applied for the card unknowing to me on XXXX and used the card. I found out in XXXXXXXX XXXX XXXX when I downloaded the XXXX application. I spoke to her and asked her for the card and Why she did that and she said I built your credit and i will give it to u once you get divorced. I called the credit card company and closed the account and reported as a fraudulent application and they advised i still have to pay the amount. She use a check to pay one of the payment on XXXX XXXX which she opened a checking account also unknowing to me. Even thiugh the credit card comoany advise i still ahve to make payments all correspondence is going to her address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Tx XXXX
Product: Student loan

Navient is reporting late payments on my credit reports from XXXX-XXXX. At this time I was on an unemployment deferement & then a forbearance. I 've spoken to several representatives & most recently XXXX ( supervisor ) trying to get this issue resolved. All have verified that I was indeed deferred at this time but will not remove the inaccurate information. I 'm trying to buy a house & these marks are preventing that from happening. Please please help me get this issue resolved. I 've disputed on several occasions through both the credit bureaus & Navient itself. This has been a nightmare since Navient assumed my loans from XXXX.
Product: Mortgage

Dear Sir or Madam : I applied for a mortgage back in XX/XX/XXXX for an apartment I was purchasing. The apartment was {$240000.00} and was intending to borrow 80 % ( {$190000.00} ) and put down a payment of 20 %. I have perfect credit and had, at the time, almost {$500000.00} in my investment account. In XXXX, I was furloughed from my job as a professor at XXXX XXXX XXXX where I made {$91000.00} in XXXX ). I was told that because I no longer have the job, I was going to be denied. 

Having asked my mortgage broker what to do, he said have your father cosign the loan. My dad is retire, but also has perfect credit and has {$1.00} XXXX in liquid asserts as well as a house worth {$750000.00} that is fully paid for with no debt. They told me they were starting a new application in the beginning of XXXX XXXX I have emails to prove this ), but this was not started until XXXX as attached documents show. 

I was told that because he is retired, we STILL would be denied, but that using all of our income together ( by this time, my investment account had ballooned to {$700000.00} ), I can qualify for an interest-only ARM at a higher rate. The payment would be only {$560.00} a month. I told them to do it, even though I had to refinance after 10 years. Although it was not optimal, I felt I had no choice. 

After waiting 6 more weeks ( this is now almost 5 months and the owners of the apartment were frustrated ), I was told on XX/XX/XXXX that I was going to be denied. 
I just received the denial letter, which claims tha t there was insufficient cash as well as unable to verify income. Both of these are untrue as I was told this would be enough for such a small loan and they were provided all documentation. 

I feel that this was incompetence and misrepresentation of the broker and on the bank to string me along for over 5 months for such a small loan for someone who was furloughed, with perfect credit, a cosigner, more than {>= $1,000,000} in liquid funds, and applying for an interest only loan. 

I believe based on the denial letter, that I was not fairly evaluated ; documents were probably not even looked at ( considering that there is 15 times the amount of cash to back up the small loan ) and was led to believe I would be approved, especially since I have spent my whole life with perfect credit and due to COVID, was furloughed and would soon get either my job back or another.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

LVNV FUNDING LLC XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX The credit report indicates a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information. 

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date. 

Thank you for your attention to this matter.