23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

About to go along with my last name with Capital One they charged off and wrote off my loan after Im assuming repo in my vehicle without allowing me arbitration no correspondence nothing even though Ive tried talking to him several occasions but they charged it off never received a 1099 I requested it One so I would be with the law and the policy for federal guidelines or any of that guidelines when they charge off my credit cards charge off and not once have I Received a 1099 for
Product: Mortgage

Mortgage due XX/XX/XXXX our bank withdrew and posted on XXXX. Making XXXX payments in XXXX month. I unaware, until we received foreclosure notice XXXX stating we were delinquent. Freedom Mortgage did escrow analysis- I did not know that meant late payment. Our payments went up and I was not paying correct amount unknowinly our payments were going into suspended state. 

Once I became aware of this, I was able to come up to correct amount. The process of notification and reporting to credit report is my complaint. I spoke to agent she explained they called me and notified me via email. I did not received any voice mails stating XXXX was unable to contact me. I did received change in status which again, I did not know that meant late payment. 

They automatically notified credit report and reported XXXX days late on mortgage. Other creditors automatically lowered available credit. We have no emergency funds and can not apply for new credit now due to this. 

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

This is not a duplicate complaint and this complaint due to the ne evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Equifax Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from Equifax but it turns out being refused or ignored. They completely violated the FCRA XXXX. Obviously, they really violated the law and my rights and refused to correct their blunder. Emotionally I was completely down and felt hopeless, I couldn't believe to my own eyes how Equifax can disobey the law. 
So, XX/XX/2022, I sent to the courthouse a letter asking do the report bankruptcy to the credit bureaus and I got a letter back from the court on XX/XX/2022 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 
According to : XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
According to : XXXX XXXX. XXXX ( A ) ( XXXX ) 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

It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX-XXXX   Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks
Product: Credit card

My husband died from XXXX almost two years ago. He dealt with everything financial during our 40 plus years marriage. After his death I discovered he opened some accounts in my name. Once such account was a CitiBank Credit card. I diligently disputed all fraudulent accounts under the FCRA with the credit bureaus and filed multiple complaints with the CFPB. Thankfully all the matters were resolved. The CitiBank card in question was removed from my XXXX credit report on XXXX/XXXX/2015. For some unknown reason, Citibank just assigned the same card to XXXX XXXX to collect, who has been attempting to collect the debt. I previously completed and uploaded a Federal Trade Commission Identity Theft Victims ' Complaint and Affidavit, which was signed at the XXXX County ( Maryland ) Police Station located at XXXX XXXX XXXX XXXX XXXX, Maryland XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXX XXXX Prior to XXXX, they were serviced by Fed XXXX XXXX XXXX with balances of XXXX, XXXX, XXXX, and XXXX. 
These are now consolidated and being serviced by XXXX with a balance of XXXX. 
Fed XXXX XXXX no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. 
Equifax states in a previous dispute that Fed XXXX XXXX states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by Equifax it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for Federal Student Aid.
Product: Debt collection

I recently received a debt collection notification in the mail for medial services that were NOT rendered to me. 

I've requested an itemized invoice and ALL records be sent to me so that I may examine and properly dispute. CAPIO PARTNERS & XXXX  XXXX XXXX XXXX HAVE REFUSED TO RELEASE THE INFORMATION. CAPIO WAS MORE INTERESTED IN FINDING OUT IF I WAS A US CITIZEN. 

Ive been a victim of identity theft about 7 years ago and I was able to remove XXXX XXXX credit card debt, XXXX debt and I was able to clear with the Social Services the children receiving Medicaid were NOT my children and I HAVE NO IDEA WHO THEY ARE. Clearly this debt must be something lingering from that episode. 

I have not lived in the XXXX area in over 15 years, Ive been living abroad for at least 10 years where I have insurance, I only have a PO Box for mail when I visit and I have NEVER been insured by XXXX XXXX XXXX XXXX.
Product: Student loan

I was attending XXXX XXXX College when these loans were taken out. However the school is no longer on business and has closed down.
Product: Debt collection

Got an alert from a credit monitoring service that a collection was placed on my credit report. I called the number listed on my credit report to see what it was about and explained to the gentleman that I never received any notification of ANY type of debt or any request for payment. He proceeded to rudely tell me that this debt had been to several other collections agencies ( untrue ) and now it was with them and I needed to pay them.
Product: Credit reporting or other personal consumer reports

Sent money to a phone number XXXX. They claimed they never received it. Both XXXX  XXXX XXXX and Chase were informed. Money sent XXXX XXXX for the total amount of {$390.00}
Product: Checking or savings account

On XX/XX/2020 I disputed an amount of {$3000.00} with Wells Fargo. I claim the transaction was double they credited my account and today XX/XX/2020 they posted the amount again and over draft my account. 
It took the 2 months to get a transaction back to my account. I usually fill my disputes on line. They take about 2 months to credit my account to credit accounts when you have any item dispute with them.
Product: Debt collection

I have written to Southwest Credit Systems requesting - " proof of the validity of the debt claim made by XXXX, including detailed proof of the amount owed and any interest charged on the alleged debt ; documentation of any and all communications with me regarding the alleged debt ; proof that Southwest Credit Systems is licensed to collect debt in Massachusetts and has a valid legal right to collect the debt ''. To date, Southwest Credit Systems has ignored my request and is falsely reporting this information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used the Western Union App to transfer XXXX USD from my checking acct. through use of a XXXX debit card, to a bank account in the XXXX at XXXX XXXX. They told me the available date of pick up by the receiver would be XX/XX/XXXX. The tracking number of the transaction is XXXX. As of this time, the money has not been received. I've reached out to Western Union several times via the phone and on line chat, and all they'll say is that they're looking into it. I was later hung up on several times, and my on line chat was cut off before the issue could be resolved ( by XXXX XXXX XXXX ). Thanks for your help!
Product: Debt collection

I began receiving notices about this alleged debt in late XX/XX/XXXX from two different debt collections agencies. After written correspondence with one collector, they dropped the debt as they were not able to explain to me any sort of verification that it was valid. Since then, I have sent certified letters on multiple dates throughout XX/XX/XXXX & XX/XX/XXXX to ARS trying to get the company to verify this debt as it is reporting on my credit files. The company has only responded with automated letters without providing me any information about the alleged debts. Thus far, as of XX/XX/XXXX, the company has stopped responding to my letters.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed a significant discrepancy in my credit report related incorrect account information and incorrect balances I immediately disputed the error via the online platform and provided all the necessary documentation to support my case. However, despite my efforts, the incorrect information remains on my report, and I have not received a satisfactory response or resolution from the credit reporting agencies. 

This error is negatively impacting my credit score, and I am deeply concerned about the ongoing delay in rectifying this matter. I expect XXXX to investigate the issue promptly and make the necessary corrections.
Product: Checking or savings account

I have a checking/saving account with Ally Bank XXXX I was sent a check to deposit which ended up being fraudulent. I was not aware of the check being fraudulent. I asked to cancel the deposit. I destroyed the check. It was sent to me from an online relationship. The bank proceeded to freeze my account. I had money in the account to pay my rent and they returned the check for my my rent. This caused me to receive an eviction notice. They have not allowed me access to my funds for over a week. This is not acceptable. I need access to my money. I asked them to just close the account and send my funds to a new bank. They will not do that. I have never had a bank behave in this manner. I have had fraud investigations before for fraudulent activity on my account but my account was not frozen so that I could not access my funds. In this day and times, individuals have people that access their credit information and abuse their information. Unfortunately, this is the norm today. This is my income that that they have frozen. This is my livelihood. What right do they have to freeze my income? They have now cost me additional fees due to the returned check to my landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXXXXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, eXXXX XXXXXXXX XXXX, equifax
Product: Credit card or prepaid card

I keep getting emails and texts stating I have applied for and been approved for a Bank of America credit card. I have never applied for a credit card from Bank of America. I contacted them and reported the fraud but I keep getting texts/emails stating I have been approved and the credit card will be mailed to me. The only information I have on the credit card are the last 4 digits of XXXX. I have not received the credit cards they say are being mailed. This all occurred starting XX/XX/22 and is continuing as of today.
Product: Vehicle loan or lease

Mechanics bank car loan accounts are being charged late fees and applying payments to the wrong accounts when utilizing their mobile app. 
Picture of XXXX accounts show that they are in the same mobile app. But you can only choose the XXXX XXXX because its the one with the oldest due date. So if I were to select the XXXX and make a payment it will default to the XXXX. So if Im not checking the account description I wont be in the correct account. The app will divert back to the XXXX. 
Mechanics Bank is aware of this known issue and will not resolve the issue. 
This has impacted consumers by : - Giving {$10.00} fee to make phone payments- Applying the payment to wrong account resulting in late fees and penalties - Inability to get a hold of customer service after hours in order to make payment on mobile app to avoid late payments - you are not allowed to choose which account to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies unlawfully reported accounts ( CBM XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.
Product: Credit reporting

My debit card was used by someone else online and my bank had to close it and issue another one. Equifax put that on their report as an alert and lowered my score dramatically as I did something wrong. That needs to be corrected. That agency constantly sends letters for more information when I try to correct wrong data but never does anything positive ( I sent them all info they requested three times already via post office and online ). Their credit score is lower than others by almost XXXX points. They also report accounts that were deleted and do not appear on any other credit reports.
Product: Mortgage

Attempted to refinance my home loan through Ally. The original offer they will obide by. I was offered XXXX with a credit of XXXX points. I asked about rolling my closing costs into loan. They did not inform me that it would make me pay XXXX dollars more in points. Every few days they keep adding more fees and when I ask a question they do not answer me. I have asked them told them multiple times I am unsure u want to continue with loan and they keep moving it forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover failed to inform me that my payments had been missed ( I had set up direct pay with them and automatic payment ). As a result, I was charged return payment fees, late fees, and interest on those fees, and finally my account was closed, at which point I was informed. 

Discover simply insisted I pay the amount I owed ( including late and returned payment fees from their error, plus interest ), and would not reinstate my account. Their incorrect reporting remains on my credit.
Product: Debt collection

Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint with XXXX  credit reporting a few days ago and they/XXXX XXXX intentionally put a charge off on my account again as of the XXXX XXXX  XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.
Product: Mortgage

i have complained before still nothing done ditech has XXXX my escrow account by still not paying my taxes. i made them the last time, they still did not notify the town to get tax bill.i received the tax i called they used the the words as before the " NEED TO RESEARCH '' after two months .THey say for me to fax the bill. no it is their job to get the bill. they do n't return phone calls because they know i am mad. i hope i do n't have to take time out of my schedule to pay the taxes again. 

in response to by last complaint a paralegal wrote me a letter had all the wrong infomation. ditech needs some serious help in the tax and escrow department
Product: Prepaid card

I was given an American Express gift card with a {$100.00} balance. I activated the card using the company 's website : XXXX and the site reported the card was activated with a balance of {$100.00}. I then tried to add the card as a payment form on XXXX. I did this XXXX or XXXX times. Each time XXXX attempted to verify the card by charging a {$0.00} charge. Each time the charge was declined by american express. I am therefore unable to use this card as it is advertised for use. 
I called the XXXX number provided on the website listed above. The site lists the number as being : " For questions about American Express XXXX XXXX or XXXX  Gift Cards ''. 
I was unable to reach a human being and the automated response menus do not offer any help with declined purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$5000.00} XXXX/XXXX  XXXX {$800.00} XXXX  XXXX  XXXX {$5100.00} XXXX/XXXX   XXXX {$230.00}
Product: Money transfer, virtual currency, or money service

I met a person who I fell in love. He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. He requested money from me to finish his work. So I believed him and I sent him XXXX USD on XX/XX/2020. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. But because his contract he could not leave XXXX before he paid the workers 's expenses. He told me, he finished his work and he got his check, but he had to pay % 7 taxes in cash before cashing the check.The check amount was XXXX USD. He needed XXXX USD. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. He gave me dfferent account numbers. 
The complaint is related to the transaction XXXX USD on XX/XX/2020 sent from XXXX  XXXX XXXX to Independent Bank XXXX, TX. Imad number XXXX,, XXXX XXXX XXXX. This money was hold until XX/XX/2020 in the receiver account. I requested recall for this amount on XX/XX/2020 from XXXX  XXXX XXXX. Recall Claim number is XXXX I called the Independent Bank in XXXX, TX several times and I sent complaints to them. I talked with the bank manager XXXX XXXX on XX/XX/2020. I explained the situation on the phone to her and requested not to release the money. She told me the account was under fraud investigation. But when I talked with my bank they told me they did not get any news from Independent Bank on XX/XX/2020 at XXXX XXXX  in the morning. I called XXXX XXXX. She told me they released the money to the receiver. I did not understand how they released this money while it was under investigation and I requested recall for it. She told me It was their bank policy. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. I requested my money back. I requested refund, It was under investigation and they released the money.