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

On XX/XX/XXXX Capital One Bank performed a hard credit check for a credit card application that was fraudulently submitted, using my name and social security number. 

On XXXX XXXX, XXXX I contacted Capital One bank and reported the credit card application as being filed without my knowledge or consent. 

From my understanding the application was denied. However, the credit inquiry has negatively effected my credit score and I am requesting that the inquiry made by Capital One Bank be removed immediately and my true score returned to it standing,
Product: Student loan

I recently complained  to Consumer protection Bureau about Unauthorized access by Navient group of companies. Today when I checked my ac count, they have cancelled auto pay and I am unable to add any of my bank accounts and my loan account shows over due payment by 2 days. I tried to add a different account and I am unable to do it either.   XXXX  Navient seems to have serious problem with their automated transactions. I need help and I need to keep my loan payment current. I have never been delinquent and have completed  XXXX  loans well in advance.   XXXX  Please assist.   XXXX  Thank you  XXXX   XXXX
Product: Debt collection

Collection management whom I dont have business with ( Did not sign a contract ) .Reported this account to my consumer report and it has caused damage and losses. {$680.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.
Product: Credit card or prepaid card

Capital One charged a late fee for a credit card that the payment was not late. When I look online it shows the fee. When I called the customer service they said that there was not actually a fee even though it shows up on their system. When I asked for them to send me a letter or proof that there was not a late fee, they could not produce a letter.
Product: Credit card

Attention : Consumer Financial Protection Bureau and Office of the President, Barclays XXXX XXXX [ last name undisclosed ] Regrettfully, the one-year-long dispute remains unresolved, despite Barclays statements to the contrary. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. I NEVER claimed that the merchant altered the amount charged on my account, as Barclays incorrectly alleges in its XX/XX/XXXX letter. More than once, I provided Barclays with the merchants own receipt of payment in the amount of {$13000.00}. Barclays, on the other hand, charged my account {$13000.00}. These are and remain the facts. This overcharge by Barclays is what I have been disputing since XX/XX/XXXX. The question is simple and remains : Why does Barclays pay a merchant one amount and charge its client a higher amount? Please explain. 

Barclays claims to have resolved the claim in my favor, because it did the following without my authorization : As per the merchant, Barclays contacted the merchant, reversed or cancelled its original XX/XX/XXXX payment to the merchant in the amount of {$13000.00}, and then paid the merchant {$13000.00}. Meanwhile, I had paid Barclays {$13000.00}, as Barclays acknowledges in its XX/XX/XXXX letter. The credit Barclays claims to have provided basically allows for the charge on my account to be {$13000.00} ( what I paid ) instead of Barclays original charge on the account of {$13000.00}. However, since Barclays received {$13000.00} from me and subsequently reversed and paid the merchant about {$13000.00}, Barclays continues to overcharge me. It then suggests that I bring up the matter with the merchant, attempting to distance itself from the dispute. Yet, the unanswered question persists : Why does Barclays pay a merchant one amount and charge its client a higher amount?

Despite Barclays comments regarding foreign exchange, Barclays is still overcharging me {$280.00} and subsequently the merchant is now contacting me and demanding payment of such difference. I reiterate, Barclays is still overcharging me in the amount of {$280.00}, and NO, the dispute was not resolved in my favor. As also explained in my previous complaint, the merchant happens to be my health insurance provider. Thus, Barclays has put my health insurance coverage at risk. 

Since I have never been fortunate enough to contact XXXX XXXX nor any of her/his Barclays colleagues via the direct line nor receive return calls within the 48 hours stated on the Barclays recording , I am forced to file this CFPB complaint in further attempt to resolve the matter. 

If customer service is very important to Barclays, as it states in one of its letter, and if it honestly regret [ s ] the hardship it is imposing upon me, as it also expresses in one of its letter, then Barclays will have the respect to fully and honestly answer the questions posed above and return to me the amount of the overcharge. 


Thank you, XXXX XXXX
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 XXXXXXXX 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 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: Debt collection

I have received your response to claimant ID : XXXX ; however, after reviewing my records, I am unable to find any documentation of any contractual relation between LVNV Funding LLC and me, which makes you a person/entity entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation ' ''. This is a request for Proof of Contract to substantiate your claim. Therefore, provide me a Certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. 

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that LVNV Funding LLC is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 
2. File a complaint with the federal Trade Commission. 
3. File a police report against you for harassment and invasion of privacy. 
4. File a lawsuit against you in my county for harassment, fraud and invasion of privacy. 

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to an attorney without providing proof of contract, he or she will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. 

Additionally, Pursuant to 15 USC 1692 c I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through my and all mediums. Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Delete the accounts from all consumer reports. I do not have a contract, nor did I authorize this company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA. I am not liable for these debts with LVNV Funding LLC, they did not provide me with the original purchase agreement
Product: Mortgage

I had a mortgage with Chase that I wanted to refinance. After locking rate and agreeing to proceed with Chase for the refinance, I was asked to complete forms multiple times. I was asked to verify the same information over and over again. I was asked to explain line items on my paycheck multiple times. Notably, my paycheck is military so should be easy to read or understand as all information is public record and easily found online, OR via the Chase department that deals with military and veterans. I was not provided information that I requested. I was not called back though I requested a call back repeatedly. Customer service ( resolutions ) contacted me several times, but they never seemed to know what was actually going on with the mortgage process, and often had incorrect information. I have participated in  XXXX  mortgages, either new or refinance, in my lifetime. I know what to expect. This process has been so painful. I can not get anyone at Chase to give me a date for closing even though they say they have all the info now. My banker is filing for an extension ( has been 60 days now ) and says they will have to verify my employment AGAIN ( this will be the 3rd time ). I have stable employment  (  XXXX   XXXX    XXXX    XXXX  in the  XXXX  ), a  credit score th at hovers around  XXXX , and most importantly, I have a history of business with Chase as this is a REFINANCE. I have had a Chase mortgage since    2003.  There is no reason this process should have been so awful for a simple refinance. I would like to walk away and chose another bank but at this point I have HOURS if not DAYS of my time invested. I feel like a hostage to Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
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 : 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 XXXXXXXX XXXX XXXX XXXX section XXXX A. XXXX 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

Hello, I obtained my Experian credit report. There were U.S/ Bankruptcy Court items listed on my credit report. Per the FCRA 623 ( a ) 5 : If the Credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumers credit file. 

After several requests for validation per FCRA 623 ( a ) 5 and 15 USC 1692g- Validation of Debts, Experian has refused to comply with Federal Law that requires them to validate information on a consumers credit file. 

My inquiry to the U.S. Bankruptcy Courts confirmed Experian Credit Bureau has NEVER validated or verified these public records on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are reported by third party sources unaware to the consumer, and in most cases incorrectly. 

They have repeatedly falsely claimed validation on their website and restricted dispute of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Debt collection

I am writing to formally dispute the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and any applicable state laws. I request that you validate this debt as required by law.

According to the FDCPA, you are obligated to provide proof that this debt is valid and that I am responsible for it. Specifically, I request the following : 1. A detailed accounting of the debt, including the original amount, any fees or interest added, and the breakdown of such charges.

2. The name and address of the original creditor.

3. Copies of any documents showing I agreed to the debt.

4. Proof that your agency is authorized to collect this debt in my state.

Until this information is provided, I request that you cease all collection efforts, including reporting this account to any credit reporting agencies. If this account has already been reported to the credit bureaus, I request that you inform them of this dispute in compliance with the Fair Credit Reporting Act ( FCRA ).

If you can not provide the requested validation, I demand that this account be removed from my credit file immediately and that no further collection efforts be made. Please provide written confirmation of your actions.

Additionally, I remind you that any attempt to collect on a debt without proper validation or to misrepresent the debt may result in violations of the FDCPA and FCRA, which carry potential penalties.

Please respond to this dispute in writing within 30 days of receipt of this letter. If you fail to comply, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit Management is reporting this account on all credit reports stating the following.

1. In good standing 2. Every other XXXX  the add XXXX XXXX  and state the account is late to report negatively on the reports. 
3. Every other XXXX  they would add XXXX XXXX  and state the account is paid and in good standing. 

And they are also reporting the account in collections owing {$8900.00} opened as of XX/XX/2020.
Product: Mortgage

During the summer, I was working with account manager, XXXX XXXX, of Fay Servicing , LLC to secure a modification. The loan was in my parent 's name who are deceased but I became owner after I filed the " Death of Joint Tenants at the XXXX XXXX XXXX XXXX Office. I was also appointed Administrator. 
I submitted the modification papers to her in early XXXX 2015 and provided the necessary supporting documents as requested. 
My last verbal communication with XXXX XXXX was the XXXX week of XXXX where she informed me that their company had to send someone out to the property to take pictures from the inside and outside to assess the property and to confirm that the property is actually being occupied. She said that this was necessary as part of the modification application. Someone from XXXX XXXX came the same day to assess the property. As soon as I received a copy of the assessment a three weeks later ( see attached assessment ), I received a letter from Fay Servicing reading that my modification I did not qualify for the modification and that I have been deemed ineligible for " Failure to submit a completed initial Package in the time-frame requested. " I called XXXX XXXX many times to explain my I received such letter when I have submitted all requested paperwork to her in a timely manner. She never returned my call. I left several messages on her voicemail. I even called to see if she was in her office. The operator said she was in her office. I sent her an email on XXXX XXXX, 2015 at XXXX. Pacific Standard time stating " I just received a letter from Fay denying my modification due to paperwork not submitted timely. I have submitted all paperwork to your office you requested in a timely manner. What is the issue? '' There was no response ( see attachment ). After several calls to her office again, I emailed her on XXXX XXXX, 2015 at XXXX stating " I have called and emailed you concerning my modification and you have yet to return my calls or email. If I submitted all my paperwork to your office as you requested, why was I sent a letter staying [ XXXX ] that my paperwork was not submitted on time. Last time, I called, the operator said you were in the office. I think it is odd that I am not getting any responses from your office. Please reply. '' Still, no response ( see attachment ).
Product: Debt collection

I have a company that is calling me several times a day, on the few times they leave a voice message the say " XXXX XXXX ''. I do not know who XXXX XXXX is? Now, they are calling my Nephew looking for me and they have called him several times. I do not know how they would have his phone number, I never put his number down on anything. I don't know how they would associate me with him. 

My last name is XXXX and my Nephews last name is XXXX. 

The last time they left a message with my Nephew they gave this phone number XXXX. You could not understand the Gentleman 's name that called. I attached a copy of the voice message transcript from my Nephews phone. The first XXXX number on the message is a phone number to a XXXX talk  line. I am not happy about that at all. 

The easy way to reach me is by text or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX
Product: Credit reporting

I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Please see the attached file.