23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Customer service does not correlato with the loan department with consolidation methods. Just recently I filed a consolidation request with US Education Department to consolidate my student loans under XXXX XXXX so that XXXX XXXX would become my only servicer for my student loans. First Navient took its time in providing XXXX XXXX pay off information, allowed someone to change my change my address on my account Nd sent me sn email of an address change ; and sent me sn email that my forebearance period woukd end next month knowlingly that the consolidation and playoff process with XXXX XXXX was to take place this month. Previously before the address change had taken place, I sdvised Navient that my account had probably been compromised via XXXX breach, and Navient ignored my request to protect my account.
Product: Credit card

I received a credit card letter from capital 1 in my email I didnt apply for Ive XXXX in the last month so I have no idea if someone has tried using my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appeared on my consumer report to which I had no knowledge of so I put in a dispute stating that I would like clear verification showing the accounts in question. These accounts appeared in XXXX which was the same timeframe of multiple data breeches from various Companies that exposed my personal information, Hence the fact I put in a dispute regarding the validity of such accounts it was ongoing that the 3 Credit Agency 's would each time fail to give me information that was to be provided. After ongoing disputing of these accounts, it appeared that proper attention was not given to verify them, to which I basically got ignored. These accounts had been removed from my report as again no documents had been available to confirm. I suddenly received alerts regarding a change in my report. I went online to see what had changed suddenly that resulted in my credit score dropping to a level that put my finances at risk. Upon looking into the credit report is stated 5 accounts had been opened XX/XX/XXXX by XXXX XXXX to which I absolutely knew I had not opened any accounts. After digging into this information that was suddenly put on my personal consumer report without any prior knowledge or details, it appears that the same accounts that I disputed in XXXX that never was confirmed to be mine and was removed from my consumer reports had now suddenly been placed back on my report by this XXXX XXXX. I have tried to get this resolved however without success. I have not given anyone permission to share my nonpublic personal information. I now have false information on my consumer reports that appear to other credit companies I deal with, as irresponsible which puts my reputation at risk. I have put forth all my effort in getting this information resolved. I also have a government account that shows late payments, All my payments were made on time, and I have no control over the Payment Center being behind or putting information in the system late, this has been paid in full however reflects false information regarding my payments made. Also it has detailed information regarding my social security number leaving me at risk. Please contact me
Product: Checking or savings account

Ive signed up for oops protection and Im still getting charged overdraft fees. It takes forever for transactions to clear and thats what messes my account up. My account have never been in the negative for more than 24 hours.
Product: Debt collection

I opened a Capitol One XXXX in XXXX, lost my job and it was charged off in XXXX. On XXXX XXXX, XXXX Capitol One Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX sent XXXX process servers to my home at XXXX who would not leave, they were writing license plate numbers down and sat in front of my home for 2 hours trying to intimidate me & my Family, ( We live on a small Cul De Sac ) I had to call the Police, when they saw the police they tried to speed away but the police stopped them and made them leave, We did n't hear from the Attorney after that and Capitol One approved me for XXXX VISAs that I currently have, paid on time. My husband and I recently applied for a mortgage, and were told on XXXX XXXX, XXXX Capitol One put this old XXXX Charged off acct on my Credit Report as New. I have no Public Records and have worked hard to get my Credit where it should be. When I called Capitol One, and was told that it would be removed but then told she could n't but then was transferred to another representative who said it was a charge off to contact the attorney, when I asked Why it was showing on my Capitol One Alert that it was Capitol One that added it to my Credit Report she did n't have an answer. Today, XXXX XXXX, XXXX I found out that XXXX & XXXX still representing Capitol One has garnished my wages for this old Charged Off XXXX. I have Never been notified about this garnishment as per Colorado Law, and want this garnishment to STOP IMMEDIATELY!!!! Not only has this attorney Violated the Fair Debt Collection Practices Act by sending the Process servers after XXXX, adding an old debt after the statute of limitations is also illegal. This Attorney has been sued in the past for Violations of the FDCPA. I was advised by the Colorado Attorney Generals Office to file a Complaint with you for this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department : The Medical collections company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I got an alert on my credit report for a company called CREDCO did an inquiry on my credit report. I have never heard of this company nor did I authorize. I called them and representative XXXX said she didnt see anything in her system under my name and social security number as to why it would be on there. This company is fraudulently gathering credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from SPIRE RECOVERY SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Capital Onedid not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Capital Ones custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Capital One promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Capital One was in compliance with its own policies and procedures ; ( v ) whether Capital One owed duties to myself, what the scope of those duties was, and whether Capital One did not uphold those duties ; ( vi ) whether Capital Ones conduct was unfair ; and ( vii ) whether Capital One has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Capital One must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. 
The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view XXXX  as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.
Product: Checking or savings account

XXXX XXXXt has not only done this to just me but to others as well. I open my account and change my direct deposit through my job as I was waiting I didnt even have my card in the mail yet when I received an email saying that there was suspicious activity. They blocked my account until I provided an ID through email. I called first to make sure that this was real and the man on the phone made me send my ID to him and he unblocked my account, although he did not have an explanation as to how there was suspicious activity when there wasnt any transactions or any card even given to me yet. 
My wife sent me money over after I got my card so that I could get lunch one day. As soon as I use the card that day, they closed my account and said that due to suspicious activity, my account was permanently closed could not be reopened with XXXXXXXX XXXX  left inside. I called and had a fit and said that they were just discriminating against me because there was nothing that I did wrong and I told him that they could keep the XXXXXXXX XXXX. That evening I got an email saying that they were very sorry for the inconvenience and the mistake and they opened my account back up. You know the one that they said could not be opened back up again. My wife then sent me money to pay bills which was {$250.00}. As soon as I used XXXX XXXX to pay XXXX of the bills and close my account permanently again however, this time they will not open it back up and there is still {$100.00} left in there. Check in the mail I sent them verification. Needed to get the check in the mail however Im not receiving an answer. 
My first issue with this is the opening and closing of my account is just tampering with my funds. My second issue is the absolute discrimination towards me since I verified myself the first time and there is nothing I did wrong with my account for them to say anything was suspicious at all. They dont do these kinds of things to my wifes account. They just pick and choose who they want to scam. My last issue is my wife personally called and said that she wanted her money returned back to her instead of a check and they said that that wasnt possible. They just took our money when we are already struggling. 

Im not sure why after all of these complaints, Nobody has done anything about this company to protect us. I will do whatever it takes to shut this company down for what they did to us. The way they spoke to us and they are keeping every dollar that we have right now. 
This wasnt fair.
Product: Debt collection

Portfolio Recovery ended up with all my credit card debt. They are not the original stores and I did not have the original amount owed. I did not sign a contract with them to verify they had permission to do so. I asked them who was the debt from and I did not get the original contract from them. I am not familiar with how to deal with this situation. Portfolio will call demanding payment and if not they will garnish my check. Since they couldn't provide me the name of company They were collecting from I did not pay all of it. I was making payments on two accounts and they still garnished my checks by sending them to XXXX  XXXX  XXXX XXXX debt collection lawyers. Portfolio Recovery has garnished over {$6000.00}. I disputed a charge from Portfolio recovery when they refused to tell me who the original consumer was so I can look it up to see if the right amount was owed. The debt was deleted from my debt owed. Two days ago I received a call from Portfolio Recovery trying to collect from that exact account I disputed. I am afraid they will garnish my checks again due to lack of knowledge on my part. I believe Portfolio Recovery bought my debt and collected my money. How do I defend myself from debt collectors that buy debt and claim it to be there's?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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: Student loan

I reached out to Navient to tell them about a student loan for which I last made a payment in XX/XX/XXXX. I always never understood why I was making payment on this loan as I had only federal loans and no private loans. When I lost my job in XXXX, I stopped making payments and Navient/Sallie Mae ruined my credit and hounded me with abusive calls. I have over {$70000.00} in student loans for which I'm struggling to make on-time payments. I have lost 2 out of my 3 jobs and can't afford to make any payments on this loan. 

Navient responded saying that I signed for this loan and provided an electronic signed document. This loan has a cosigner and the cosigner hasn't even signed this loan. The document is not even valid. Navient also said that they have taken this out from the credit report but still I'm unable to get my own place because this always shows as a bad debt and I'm expected to pay the full amount with 22 % The loan has passed its statute of limitations and should be completely removed from my credit report. 

Attached is the proof of a denial request from XX/XX/XXXX 2020 where I couldn't get a housing loan approved because of this debt
Product: Credit card or prepaid card

I received a cash app card with my address in the name of a minor child who previously lived next door to me. Her Mom passed away in XX/XX/XXXX. I informed cash app the first time this happened that the child is a minor and that the family has informed me that they are unaware of who is sending her money on the card. Cash app customer service investigated and cancelled the first card last week. I just received a second card on XX/XX/XXXX and asked if they could cancel it and block my address to stop anyone from ordering under my address and they said they could not. I asked for a supervisor or a manager since XXXX the customer service agent already had me hold a number of times during the hour long call to get his answers. I was told to send an email to customer service. I declined because of the severity of the situation where the child may be in danger of an adult sending her money possibly from some online predator who may be grooming her for a number of reasons like abduction etc. I was then told by XXXX to tell me they can not assist any further and to end the call, so he hung up as he was instructed. My concern is that I do not wish to have my address/information involved in any way with a situation involving any type of fraud or especially with a minor child who may or may not be in danger.
Product: Credit card or prepaid card

Citibank reduced the limit on my credit cards, capping them at the current balance, without letting me know in a timely manner. They did this based on erroneous information reported and being corrected by XXXX XXXX. By reducing the limit to the outstanding balance this further aggravated my credit score and history damaging my reputation. I tried having this fixed on the phone and was not assisted. This was done without first speaking or writing to me to inquire on whether this was error. 

Clearly they took this aggressive and action de to my XXXX last name. Very racist and unprofessional of Citibank.
Product: Credit reporting or other personal consumer reports

I have on my experian credit report saying I have 9 accounts showing 60+ days late. I have checked my accounts and none of them show this. I have trued to contact Experian by upload phone and mail. I get no response. They have made it extremely difficult to contact them. I can not get any response by email mail and website. All I want to know is what accounts are showing late payments 60+ days late so I may fix them. I can't fix them if I don't know what to fix. I can't get them to respond and would like to know what I need to fix thanks
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Vehicle loan or lease

The automobile was paid off from my bank via electronic transfer on XX/XX/XXXX in the amount of {$17000.00}. 

I contacted XXXX on XXXX and was told that my title was sent to a dealership called XXXX XXXX in XXXX which I have NO affiliation with. They offered me no explanation as to why this was done except, it was a dealer payoff. I told them it was NOT and they needed to resolve the title issue and send the title to me. 

I contacted XXXX again on XX/XX/XXXX. I was told that they would not send me a release of lien nor the title because the bank needed to send them proof they paid off the car although they received the payment and it was applied to my account. I faxed them a letter from my bank but I'm concerned that this will not get resolved given the number of other consumer reports of issues for the same thing.
Product: Debt collection

XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and 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. 





In accordance with the Fair Credit Reporting act these items are incorrect on my consumer report such as a credit card from receivable management opened XXXX in collections, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX, Two credit cards under first progress account # XXXX, a hard inquiry from XXXX  XXXX on XX/XX/year>, a hard inquiry from Experian business credit on XXXX, a hard inquiry from revvi/mrvbanks/vt on XXXX, a hard inquiry from XXXX XXXX on XXXX has violated my rights. 
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
Product: Debt collection

Someone sold my information to a debt collector along with the debt itself being written off. They have not presented a 1099c form to me after writing off the debt. Law 15 usc 1692c ( c ) Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. They sold the debt to several debtors. I am not even sure who the original debt is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XX/XX/2022. 
Bank of America, XX/XX/2022. I called both companies to let them know.
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, Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 
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.