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

I had applied for a Business account at XXXX XXXX  they opened it but, a few days later closed it because they had received some type of information from the Early Warning service. 
I contacted EWS for a report and they sent me a report that showed XXXX XXXX on my account numerous times. I then proceeded to send XXXX XXXX and EWS dispute letters asking for them to Validate and verify this account. I have sent XXXX XXXX Two dispute letters and they have sent back a letter stating that the information is accurate. I have sent Early warning Service three different dispute letters asking them to validate and verify this debt. 
They have also replied with a letter each time stating that the reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to our database. 
Under the FCRA SECTION Debt Validation : According to Section 809 of the FDCPA ( 15 U.S.C. 1692g ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector must send the consumer a written notice containing : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that unless the consumer disputes the validity of the debt or any portion thereof within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector. 
A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
A statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Debt Verification : If the consumer disputes the debt in writing within the 30-day period, the debt collector must cease collection efforts until it provides verification of the debt or a copy of the judgment. Verification typically involves obtaining and sending the consumer documentation that proves the debt is valid and that the consumer is responsible for it. 
I have asked them to send me a purchase agreement, proof of my signature, a copy of my photo something that shows proof that is my debt because I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Experian Consumer name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 auto loan XXXX  XXXX opened on XXXX # XXXX {$31000.00}, XXXX XXXX {$1500.00} # XXXX OPENED XXXX The accounts have resulted in a fraudulent account appearing on my consumer XXXX credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accountas reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Product: Credit card or prepaid card

Capital One received payment from my XXXX XXXX XXXX account in the amount of {$280.00} ; and {$500.00} on XX/XX/2023. 

I was then informed the payment would not post to my account until XX/XX/2023. I indicated this was unacceptable and had I known, I would have kept my money in my checking account as I needed funds for the holiday weekend. 

When I reached out to capital one to confirm payment/ascertain status- capital one determined I could expedite the waiting period if I stayed on the phone with their fraud representative ( Agent name : XXXX ), while he connected with XXXX to confirm the payment went through. 

40 Minutes later, we have confirmation from my bank XXXX XXXX, that yes I have paid the amount and it has gone through. Despite this, Capital One needed to clear this " internally. '' XXXX then begins the process of placing me on hold a number of times, trying to figure out what is wrong. 

XXXX then told me it had in fact processed ( check the phone logs ) and then doubles back and stated that in fact it hadn't and they simply could not figure out the internal mechanism holding up confirmation. 

He then informs me, though I am at work, If i get disconnected, they will not fund my payment/ make my credit available for another week because they can not " confirm my payment. '' However, if you have been following along, we had confirmed payment, XXXX minutes ago now. 

Despite this nice threat -- I was disconnected and decided I had to continue working my full time job. 
I called back two more times, to which capital one was aware of the situation but had no further substantive solutions. I ended the call, cordially. 

fast forward to XXXX. I received a letter from capital one telling me I have violated their terms of use, and they have closed my account. 

This badgering from a credit card company is beyond unacceptable. Not only is this company inept, they treat customers like XXXX. There inability to confirm payment processes for personal banking is negligent. Furthermore, tying up an individual 's funds because of the companies own ineptitude is wilfully negligent. 

I have noticed activity on my credit report as well. This company is predatory. 
If no accountability is taken here, I will file an actual lawsuit against this company. I look to the CFPB to intervene and protect consumer rights.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  sold the Mortgage to another company since its been sold to them they are reporting late when I have payment proof which is attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached repo
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX website is having serious isssues. I was able to obtain my Transunion report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over XXXX.
Product: Checking or savings account

This is my last letter to the bank. 
I thing due to my age XXXX  years my very bad economical situation and the health troubles that this problem has cause me, I deserve an extra compensation. 
================================================= XXXX, XXXX XXXX XXXX Excalations Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Ref : CASE NUMBER : XXXX Dear XXXX, XXXX XXXX letter dated XX/XX/year>, you reference exactly what I had already told both XXXX XXXX, the XXXX, and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I made it clear that while the funds for a deposit item might appear available for withdrawal, this does NOT mean the funds are guaranteed or collected. I insisted on this point because I suspected the transaction could be a scam. 
When I followed up on the deposit, I was once again warned about potential issues, but your two representatives assured me with absolute certainty that the check was legitimate. Doubtful as I was, I requested a cashiers check for the same amount as proof. After a thorough check, your representatives issued the cashiers check without hesitation. With no available funds in my account, I trusted their assurance and proceeded with selling the car involved in the deal. 
This was the banks fault, plain and simple. I even spoke with XXXX XXXX XXXX, the XXXX XXXX, and the lack of due diligence here is staggering. There is absolutely no reason your representatives should have approved a cashiers check based on an unsupported check and minimal-check account. 
It is grossly irresponsible for your bank to mishandle depositor funds in such a reckless way. Whats worse, you are misleading your customers, forcing them to make critical decisions based on your glaring incompetence and lack of responsibility. 
I demand a refund of {$24000.00}. This was entirely your mistake, and I will not tolerate your negligence any longer. 
Sincerely, XXXX XXXX.
Product: Debt collection

Received call from " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX XXXX, IL XXXX I owe XXXX XXXX Bank some huge undisclosed sum of money. He states that the last activity was in 2004. 

Claims that they have authorized an immediate lawsuit against me in my county unless I quality for their hardship program AND immediately pay off this debt. 

The caller refused to identify himself, provide phone number, or to confirm his company name, address, etc. 

I repeatedly demanded written information be mailed to me. The caller refused to confirm that any mailing had been or will be sent. Only that I had to know about the debt and had to pay immediately unless I want the sheriff at my home. I was unable to get any direct contact information from the caller. 

The caller just kept threatening that a lawsuit was pending unless I pay. For the record : 1 ) I do n't owe the debt, and, 2 ) the alleged debt is out of statute for Pennsylvania. 

What is my recourse with the company?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple issues related to my credit report with the XXXX XXXX  credit bureaus : XXXX, Equifax, and XXXX. Over the past several years, I have been impacted by multiple data breaches, and I am experiencing errors on my credit report, including unauthorized inquiries and addresses that I have never resided at. 
All three of the above credit bureaus are reporting a erroneous information erroneous addresses and have also allowed erroneous inquiries on my credit file. 
Below is a summary of the breaches that have compromised my personal information : 1. Equifax Data Breach ( XXXX ) My Social Security number, birth date, and addresses were exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Exposed my personal data from XXXX XXXX, including passport numbers, addresses, and payment information. 

XXXX. XXXX XXXX XXXX ( XXXX ) My account was part of the XXXX XXXX compromised, with personal details such as my phone number, email address, and more exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) My personal data, including credit scores, credit limits, and Social Security numbers, was compromised. 

XXXX. XXXX XXXX XXXX ( XXXX ) Exposed my personal information, including my phone number and Social Security number. 

XXXX. XXXX XXXX XXXX ( XXXX ) My data was scraped, revealing personal information including my name, job title, and other professional details. 




In addition to these breaches, I have noticed unauthorized inquiries on my credit report and addresses listed where I have never lived. These errors may be the result of identity theft or fraud. Despite my attempts to resolve these issues with XXXX, Equifax, and XXXX, I continue to face difficulties and have seen no satisfactory resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate my complaints and provide assistance in addressing these ongoing issues. Specifically, I seek guidance on how to correct the unauthorized inquiries and incorrect addresses on my credit report, as well as steps I can take to further protect my identity and personal information. 
Here is a list of specific information that I want removed from my credit reports. The information is either incorrect or erroneous or both. 
Inquiry by 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 XXXXXXXX XXXX Thank you for your attention to this matter. I look forward to your response and any assistance you can provide to help me resolve these issues. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report today, XX/XX/XXXX and saw inquiries on my report that I did not authorize and of businesses I do not recognize. 
Inquiries on 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 XXXXXX/XX/XXXX
Product: Mortgage

To whom it may concern, I am writing this letter in regards of a recent credit check that I submitted and received. I am very concerned regarding an Adverse Account that was created by KONDAUR CAPITAL CORPORATE. This is a former mortgage loan I had in 2013. 

According to the credit check history, it shows a XXXX day past due payment for KONDUAR CAPITAL CORPORATE. I highly disagree with this information and its accuracy. I have paid on time since the loan commenced on XXXX of 2013, with the exception of the last month ( XXXX 2013 ) due to the loan was in the process of refinancing with a different mortgage company. The last payment was due on XXXX XXXX, 2013 and with a grace period to XXXX XXXX, 2013. The entire loan including the month of XXXX was ultimately paid off in full on XXXX XXXX, 2013. The pay off included a late fee of {$30.00} dollars was added to the invoice of XXXX and was also included in the payoff that was sent by the company that was refinancing my loan. 

In addition, all payments sent to KONDUAR CAPITAL CORPORATE was sent from XXXX XXXX XXXX XXXX a program that is directly enrolled to my bank account. This account has been sending the stipulated funds to KONDAUR CAPITAL CORPORATE on time. It should be noted, the original lender was XXXX and it transitioned to KONDAUR CAPITAL CORPORATE. Not sure if that had anything to do with it but according to my statements, all payments were made and received on time accept for the aforementioned month. There should be not derogatory information of a XXXX day past due from KONDAUR CAPITAL CORPORATE. The first month of XXXX of 2013 was paid on time and the last month of XXXX 2013 was paid off with the total amount of the full loan amount on XXXX XXXX, 2013.
Product: Credit reporting or other personal consumer reports

Hard inquiry has been placed on my credit report on XX/XX/2023 by Lightstream without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX without my consent negatively affecting my credit profile.
Product: Payday loan

Lender sent a wage garnishment to my employer and added all these fee 's loan was for XXXX and now they are telling me I have to pay back {$900.00}
Product: Mortgage

Around XX/XX/year>, I tried to log into the Shellpoint HELOC loan servicing website. It recognized my last name, loan number and social security but said I needed to call a XXXX number that was only open during the week. A few days later, I called and the gentleman said that they would send a XXXX  with a verification code so I could log in and I should receive it in 1-7 days. 
On XX/XX/XXXX, I sent {$1000.00} check from my XXXX money market account to pay the mortgage, which was due on XX/XX/XXXX. The check has been cashed. 
On XXXX XXXX, XXXX  I called Shellpoint in the morning to ask about logging in and the XXXX package with a code. Their internal database indicated that I called and requested that information, but that they no longer use XXXX and they would have to send it via regular USPS. I XXXX  Shellpoint and they have terrible reviews. specifically making it hard for people to pay their loans and then foreclosing on them. 
I called Shellpoint again on the evening of XX/XX/XXXX and said that I would give them until Friday, XX/XX/XXXX to get me information to log into their website. That information has not been provided. 
To my knowledge, I am current on my HELOC mortgage. But this is unacceptable business practice and behaviour. Most financial institutions text you a code for dual authentication and do not give a run-around.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX USDOE/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
Product: Debt collection

This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.
Product: Credit card or prepaid card

XX/XX/XXXX I opened an account on American Express ' website with American express gold XXXX  skymiles card. It offered XXXX welcome points once I spent {$2000.00} in qualifying purchases within the first 3 months. I spent {$3300.00} on XXXX flights that day. on XX/XX/XXXX I have chat history on the app confirming that Welcome bonus was correct. My first statement was XX/XX/XXXX, that was when I was told I should see the welcome points. I noticed I only received XXXX miles when it should have been XXXX, XXXX. I reached out to the company and spoke to 7 different customer service reps who all told me that my welcome offer was denied with little reason why. I was told I had to fill out a complaint and I did. I also provided them with the snap shot of the message history where on XX/XX/XXXX I confirmed the bonus program and I was eligible per the Customer rep on the chat.
Product: Mortgage

My XXXX mortgage was originally with XXXX XXXX XXXX, who went out of business and the servicing of my loan was transferred to Franklin Credit aka XXXX. They have been nothing but a nightmare refusing assistance unless it is in the form of usury. They refuse to comply with California Statues, specifically, the HBOR. My wife and I were so nervous we completed the application for mortgage assistance incorrectly stating the yearly amiount of income the column which called for monthly. Based on that mistake, Franklin Credit demanded {$24000.00} down and {$1400.00} a month on a {$110000.00} which was originally {$70000.00} and when we emerged from bankruptcy it was only {$56000.00}. I explained the mistake to Franklin Credit who refused to give me another application stating it was too bad and that the loan was recasting. My calculation shows {$110000.00} is at 9 % for 120 months ( 10 years ) however, my original note was only at 8 % for 30 years and my original payment was {$600.00} a month. Furthermore, Franklin does not indicate where the {$24000.00} dollars requested would be applied to. These tactics have XXXX my wife and out, my total monthly income is only {$7000.00} a month.
Product: Student loan

I took student loans out to help pay for college and my living expenses while attending college. Since I graduated, I have been on an income-based repayment plan. I have paid the amount due every month. My family has grown in size and it has been difficult to pay any more on my loans besides what was figured with the income-based plan. My loans have grown to almost {$20000.00} more then what I originally borrowed. I feel that this is extremely unfair because I was paying what has been expected of me. These loans have been in negative amortization almost the entire time I have been paying on them. I feel that this is predatory lending because I did not realize this would be allowed. I understood that I would have to pay back the amount I borrowed, plus some interest, but I thought that by making the payment that was expected of me that my loans would not grow this exponentially. I am so sick to think that I will owe so much more then I ever borrowed.
Product: Credit card or prepaid card

Initailly spoke to company, and was given multiple options for paying off and having account in good standing. I agreed to the offer that if I pay half of {$4600.00} balance it was enough to pay off and close account. Called company after paying half and company would not honor agreement. Now they want more money. This is not the agreement initially agreed upon.