23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

****FLAGSTAR BANK IS THE SERVICER OF THIS LOAN SEE ATTACHED**** XXXX and XXXX XXXX fell behind on their mortgage due to health issues. They are elderly and infirm on a fixed budget. They will be able to afford a slightly lesser payment than the one they have now and just need some assistance to get caught up and back on track.Their daughter lives with them and contributes {$1400.00} to the household, per month. A full assistance request will be uploaded through the Flagstar website, along with copies of this CFPB complaint and QWR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a Theft on my criminal background thats under my name and it states that I was XXXX in jail XX/XX/XXXX. I have never been to jail for theft. It also states that I sat in jail for 4days for theft. Not correct. My wallet and personal belongings were stolen out my apt In XX/XX/XXXX and I called the police and they made a report on it I also had money stolen out my bank account which I was banking with XXXX XXXX XXXX XXXX. I did not and was not convicted or plead gulity for stealing. Someone stole my identity.
Product: Checking or savings account

I opened my account with capital one back with credit cards in XXXX XXXX I got a name change XX/XX/XXXX, I then opened a checking account with capital one XX/XX/XXXX my account with capital one was already established under my old name and in XXXX I started to have my pay from my employer direct deposited into capital one. And on my pay stubs had my new name. And then XXXX of XXXX they froze my account because they JUST saw my account is under one name and my direct deposit is under my new name. And I just received an email my account could be closed due to inconsistencies. I have given them several prove I am the same person with a different name due to a name change
Product: Debt collection

I received a summons and complaint about a debt that I owed to XXXX XXXX  on a XXXX credit card. I called them and they didnt negotiate so I agreed to a payment agreement. Less than a week later, I get another summons and complaint stating they are going to try to sue me for a different acct owed to XXXX XXXX for an unpaid loan. How many times can I get sued by the same attorney, Scott and associates and same attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were XXXX inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Product: Credit card or prepaid card

I checked my credit report and noticed care credit is reporting.. ; I did not request to open this card. I've sent the credit agencies my identity theft report and the account has yet to be shut down or removed.
Product: Debt collection

The original creditor XXXX XXXX  BANK for this collection account sent me a letter dated XX/XX/2020 stating that they are not holding me responsible for said account and will request that this tradeline be removed from the consumer reporting agencies. This said creditor instead sold it to a collection agency and now it's reporting on my credit as a collection. This has never been my account and was part of identity theft and the FTC report was sent to said creditor XX/XX/2020. I have not been able to contact XXXX XXXX Bank and Midland Credit ( THE DEBT BUYER ) was so rude I got nowhere with them. All I'm asking is this be removed from all my credit reports as this is not my account, has never been my account, and was held not responsible via original creditor. I also have said letter if a copy is needed for verification. 

Thank You XXXX XXXX
Product: Debt collection

Collection agency name : Midland Credit Management INC Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Dear Midland Credit Management Inc I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct person and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement that I have signed with your company or the original creditor. 

In Accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information listed below : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 



Please cease and desist from collecting on this debt until you have provided validation of the debt. 



Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 


Permissible Purpose Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 i was denied for credit I am writing to file a complaint against First Electronic Bank  for unjustly denying my application for a Destiny Mastercard credit card based solely on my credit report. This denial has caused me significant financial and emotional distress, as it prevented me from providing essential needs for my family. 

The denial of my application has resulted in tangible damages, as I was unable to provide for my family 's essential needs. I had to take on extra shifts at work to cover utility costs, which imposed a heavy burden on me. This situation has caused me emotional distress, as it has led to increased stress and limited quality time with my family. 

I believe that First Electronic Bank 's decision violates the Fair Credit Reporting Act ( FCRA ), which acknowledges that credit reports should be just one factor among many considered during the credit evaluation process. By solely relying on my credit report, First Electronic Bank  unfairly denied me access to credit and the financial stability it would have provided. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against First Electronic Bank for their violation of the FCRA. Additionally, I seek your assistance in urging First Electronic Bank to reconsider their decision and approve my application for a Destiny Mastercard credit card, considering my ability to responsibly manage credit. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address this complaint promptly, seeking resolution to the injustices I have faced.
Product: Money transfer, virtual currency, or money service

Sent money through Zelle on my banking app to complete adoption process and never received the puppy that I was adopting. I have a contract between us saying that the amount sent would be for the adoption and if that wasnt completed that I would get the money back. Money was for XXXX XXXX XXXX XXXX and registration fee. The amount was for {$650.00} process on XX/XX/2021 The companys number that the adoption was through was XXXX puppy ranch
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/2017 from Santander auto finance. Through XXXX XXXX dealership the car is a lemon it is not or was not suitable to be sold. I contacted them to also let them know my contract was fraudulent as well since the car loan was for {$22000.00} and I put down {$10000.00} cash. 
Santander doesnt want to assist me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two XXXX  bureau I have several issues on my credit report # 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX I was waiting on my XXXX  to process I was not even a month behind., so I informed them taht my check would be arriving with in 36 hours. They said turned your vehicle in or we will come after it so I took it to the dealship where I bought it then they said they sold it and I owe them almost 5000 dollars. That XXXX was like new and they got close to 8000.00 plus for it. So the pay off was meet and they willl not produce any documentation on whom they sold it to plus what it was sold for. I want proof of this XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXX "
Product: Debt collection

Today XX/XX/2022 I received 25+ letters in my mailbox of the EXACT same attempt to collect a debt that I owe for a toll road, possibly causing some of my other mail to be returned because of the over flow of excessive mail from the same debt collector. I had already received twice daily letters from the original creditor and now this. I think its super excessive.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accoun1ts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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

I received a call from XXXX XXXX stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name with XXXX Bank. I am a victim of identity theft and did not open this account # XXXX. XXXX Bank is attempting to collect an alleged debt on the basis of fraud. I am not responsible for any payments for this account XXXX. I have no business with XXXX Bank and its successors. I do not have a contract with XXXX XXXXSection 611 and 609. XXXX Bank has report false, derogatory and defamatory information about me to Experian. Please provide verification of your claim, including a lawful contract ; a hand signed invoice in accordance with Bills of Exchange Act ( 1882 ) and proof of agency. I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper, you have no legal standing, no first-hand knowledge of this matter, your claim is fraudulent ; any damages I suffer you will be held culpable, you agree to pay all fee scheduled ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter.FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud!

15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Product: Credit reporting or other personal consumer reports

un-authorized inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
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: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian credit report. I have no knowledge of this entity, nor did I authorize them to access my credit report.
Product: Credit card or prepaid card

Contacted Bank of America Fraud division. They promptly canceled the card and informed me they would contact the credit bureaus. In order to put a freeze on my credit information I needed to file a report with FTC Identify Theft Report.
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  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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: Credit card or prepaid card

Over the past one and a half year, Capital One has charged me abusive interest 3 different times. One 's understanding of their terms, which is similar to many other credit card companies, is that, as long as you don't carry a balance, or pay the full statement balance, you shouldn't get charged interest. Capital One has charged me interest for 3 billing cycles because of one residual balance I carried until the next month. In the other two instances, I was charged interest for months for zero reasons. I tried to ask them to clarify these situations to me over the phone.

For the most recent incident, ( Interest charged from XXXX - XXXX in the total amount of {$64.00} XXXX they went over it and had the nerve to tell me that yes, it can take three billing periods until they stop charging me interest for a balance not paid in full. Wow!

I asked them to clarify the other two incidents and they refused to.

These were : 1 ) XXXX - XX/XX/XXXX three months ' worth of interest in the total amount of {$77.00}. This came from nowhere, because from XX/XX/XXXX until XX/XX/XXXX everything was paid in full each month. 
2 ) XX/XX/XXXX - XX/XX/XXXX I got charged interest for FOUR consecutive months in the total amount of {$98.00} because I carried a balance from XXXX until XX/XX/XXXX ( a month!! ). 

This should be ILLEGAL. This predatory, back-stabbing company has charged me interest up to my neck, for rare occasions when I'm not able to pay the statement balance in full. They take advantage of the customer by punishing with abusive interest charges for 3-4 months for a balance that is no longer there, but was at one point. It's enough I have to pay for their annual fee which gets charged every single XXXX, then I'm hit with abusive interest. I've never done cash advance and I don't think I've been late on my payments in over 5 years.
Product: Debt collection

What happened? FRAUDULENT COLLECTION TRANSWORLD SYSTEM INC/ has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX Company : TRANSWORLD SYSTEM INC/ Address:XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/XXXX Balance : {$88.00} HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. 

Complaint : XXXX Complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT : Debt collection ISSUE : Attempts to collect debt not owed HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. 

Previous complaint : HI there. This account was closed in XXXX of XXXX. I have returned the apartment and move to a different city. I remember I have complained about XXXX impersonators in the past. This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. All charges related to electricity were payed off and the account closed. Please see the XXXX email regarding this account closed.
Product: Student loan

Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company that identifies itself as " Advantage Credit , Inc. '' in Colorado keeps pulling hard inquiries on me for three ( 3 ) consecutive months in 2021 ( XXXX, XX/XX/XXXX, and XX/XX/XXXX ) even though I did not apply for a loan, had no mortgage applications, no Auto loan applications, no Credit card applications, no Student loan applications, no Personal loan applications, or no Apartment rental applications during that time frame. It is unknown to me why this occurred unless it is a case of identity theft attempts or unauthorized attempts by others to access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports
Product: Debt collection

XXXX XXXX is employing predatory tactics without verifying the debt or the identity of the person he is attempting to contact. This company has violated the Fair Debt Collection Practices Act ( FDCPA ) by disclosing information to a third party. The individual from this company has left voice messages on an unidentified voicemail, threatening to come to my place of employment. This is a clear violation of the FDCPA.