23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had opened a credit card account with Capital One for reward offers. I had made a purchase for XXXX airline tickets on XX/XX/XXXX ( XXXX ) and a charge for gas on XX/XX/XXXX. ( XXXX ) ; totaling {$310.00}. I made payments thru my bill pay knowing when payment were due. 
Payments : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$100.00} ; then, ( not knowing ) I received a referral bonus for XXXX and a Credit Cash Back Reward for {$76.00} from XXXX  XXXX, making my credits totaling XXXX which would produce a credit on my acct for XXXX. 
I received a text message from XXXX XXXX stating, My attempted purchase for {$1000.00} was denied as it exceeded my credit line. I did not attempt to charge the XXXX. I pulled up my acct and saw charges from the same company ( I have never heard of or used ) totaling {$9700.00}, mostly in XXXX increments. I immediately called XXXX XXXX to inform them I did not make these purchases. A fraud investigation was started. I received a letter from XXXX XXXX on XX/XX/XXXX, stating, " As part of our {$0.00} liability promise on unauthorized purchases, you weren't held responsible for any unauthorized charges. '' XXXX XX/XX/XXXX, Upon review of my account after this notice, I was given " purchase adjustments '' for all the charges. Then on XX/XX/XXXX, I was charged back {$4000.00}. My " current balance '' is stated to be {$3500.00}. I therefore called XXXX XXXX to inquire about this balance. I was told, " because I had made payments on my acct, I was admitting guilt that theses charges were mine as well, I had exceeded the " XXXX  day '' period in which I should have reported the fraudulent charges. I tried to plead to the worker stating that I just made blind payments on my acct because I was traveling quite a bit and did not review paper statements. I explained, " I am of low income, soc security recipient and I could not afford to pay this balance on my acct that I did not make. The employee informed me that my case was closed with their final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Inquiry Date : XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry Date : XXXX. XXXX, XXXX XXXX, XXXX XXXX Date : XXXX. XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I have never received any correspondence or communication from Jefferson Capital I dont have any kind of contracts or accounts with them. Upon further investigation they are a third party debt collector that is not licensed as such in South Carolina. They are listed as a XXXX XXXX  which is defined as this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX strongly suggests a potential applicant submit a detailed business plan as described in the new application checklist. This should be done prior to applying in XXXX to determine the correct licensing jurisdiction. 
Who is required to have this license? 
An entity that is making consumer loans or is taking assignments of and undertaking direct collection of payments from or enforcement of rights against debtors arising from supervised loans. A supervised loan means a consumer loan in which the rate of the loan finance charge exceeds twelve percent per year as determined according to the provisions on the loan finance charge for consumer loans ( Section XXXX XXXX ). 
If a website will be used to take supervised loan applications or process payments electronically for supervised loans, a separate supervised lender website license will be required in addition to the license for the home office. 
A separate application request and fee will be required for each website. 
They are a debt collector company and fall under the -Who does not need this license section : ( a ) Mortgage lender as defined in Section 37-22-110 ( 30 ) ; or ( b ) Retail sales contract. An entity performing retail sales transactions/ contracts is not required to and will not be issued a supervised lenders license. See Title 37 Chapter 2 on the SCCPC.

( c ) Third party debt collectors. Entities that are collecting debts for other lenders.

( d ) Passive debt buyers.
They do not have the appropriate license in my state in addition to no communication from them to me. In addition to the follow 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

I do not have an account with nor any contractual obligations to them/with them
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, I submitted a Identity police report into my credit reporting file. I called the following credit reporting companies to request a copy of a disputes that I made in XXXX. 
1. Experian 2, XXXX 3. XXXX Customer service agents for all 3 companies, stated that they would not be able to provide documents of disputes made in XXXX. I am not able to access online.
Product: Mortgage

Our Bankruptcy was Successful, and Lien Releases and Account updates were due XX/XX/XXXX, Discharge Order dated XX/XX/XXXX has been sent various time. On XX/XX/XXXX I called XXXX XXXX asking that the account be updated and was notified that the account would be reconciled and lease from their Bankruptcy Dept. within 30 days. I am currently trying to refinance my loan due to the 6.75 % to a 4.1 % ; I am currently on day 55 and STILL waiting for Seterus Inc. to expedite my request. 

As of today, XX/XX/XXXX I have incurred {$630.00} for a 10 day lock extension to maintain my interest rate and a direct result of Seterus Inc. failing to comply with The Fair Credit Reporting Act ( FCRA ), require that my payoff accurate in a timing manor. Additional, I could have had this already refinance and I am still currently paying the hire interest at 6.75 %, this is costing me significantly. 

I have never made a payment past 30 days ; the Payoff Demand from Seterus Inc. sent on XX/XX/XXXX states my next payment due XX/XX/XXXX. Additionally Seterus Inc. sent a Credit Supplement - Mortgage Rating indicates last payment received XX/XX/XXXX and reports no payments past 30 days, the Payoff Demand by the Bankruptcy Department contradicts the Credit Supplement. 

I have make various phone calls and sent letters, at times they are rude and tell me they are over loaded with these types of cases and they are doing their best. I am very stressed and frustrated and need help to reach the next ten day deadline or it will cost us more money. I will attach the attorney 's letters, my letters and Bankruptcy notice. 
Main Contact at XXXX - XXXX XXXX, Bankruptcy Dept XXXX or XXXX XXXX, both from the management team.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXXF XXXX XXXX XXXX, claims IN COURT to be the PURCHASER of my real property on a foreclosure sale that took place on XX/XX/XXXX. 

XXXX XXXX is still a BANK and they can not own real property that is not for banking business. At the FORECLOSURE SALE that took place on XX/XX/XXXX, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX is attempting to STEAL my property. They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action. 

THEY ARE STILL A BANK. They are not the alleged lender or the alleged servicer. 

TWO AFFIDAVITS OF FACTS WITH PERSONAL KNOWLEDGE and a video recorder will proof that they were not at the foreclosure sale. No agent, representative, man, woman of the Bank, XXXX XXXX XXXX XXXX XXXX XXXX were present at the foreclosure sale. There was no deposit of {$28000.00} as per the Terms of Sale. There was no PURCHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, XXXX, XXXX concerning the Dept of Ed/Navient accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXXit reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month. 

I sent the above complaint to XXXX, XXXX and XXXX. XXXX responded stating that they store information in their records as it is supplied to them by creditors.
Product: Debt collection

In late Spring XXXX, I noticed a new XXXX XXXX credit card on my credit report that was not mine. I contact the bank, provided them with the information they requested and received a letter dated XX/XX/XXXX indicating that they had investigated and held me 'not responsible ' for a credit card ending in : XXXX. It was removed from my credit report. I thought it was a one-time fluke, and perhaps it was. 

However, in XXXX XXXX, my identity was stolen and 5 credit cards were taken out in my name and my checking and savings accounts were compromised. In addition there were 5 other hard inquiries ( that I did not make ) where the thieves tried to take out even more cards in my name. 

I discovered the theft when I applied for a new credit card and was declined and by that time each of the credit cards had been charged to the maximum credit limit and all were late, dramatically dropping my credit score. 

The thieves used the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. An address that is not nor was it ever mine. Because the thieves used it the address showed up on my credit report. Only within the last month have XXXX and XXXX agreed to remove the XXXX XXXX address from my credit report. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit card companies and XXXX and XXXX. I provided each company with what they asked from me and 4 of the accounts were closed and removed from my credit report except the XXXX XXXX credit card ending in : XXXX. 

After sending in the information that XXXX needed for the XXXX ' account I received a letter dated XX/XX/XXXX. Indicating that they had conducted their investigation and quoting from the letter : " determined the application and subsequent account to be authorized and not fraudulent based on the following : A credit card and monthly billing statements were sent to : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. '' I tried to contact XXXX several times thereafter and sent another letter telling them what I am writing here - that I have never lived at the XXXX XXXX address, therefore never received the card, never charged anything on the card. 

This past week I called XXXX XXXX to ask about the 'derogatory comment ' on my credit report and the resulting drop in my score. I learned at that point that the account had been turned over to a collection agency - Pyod. The XXXX representative told me I would have to call the collection agency and refused to speak with me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 1666 b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason...
Product: Debt collection

On XXXX/XXXX/19, XXXX/XXXX/19 and XXXX/XXXX/19 I have submitted multiple disputes with the creditor and the credit bureaus regarding an inaccurate debt reporting on my credit file.
Product: Bank account or service

I think Capital One 360 may have experienced a large security breach and is n't disclosing to customers and investors. Somebody altered information on my account, I quickly updated my credentials to prevent further activity. After pointing out the issue that I had resolved Capital One 360 froze my accounts without warning or authorization. They are refusing to immediately unfreeeze my accounts. They are claiming they ca n't transfer my funds to my new checking account. I will not have access to any money until sometime next week. 

A lot of customers are complaining about this same thing on social media, hold times for their security department are longer than what they normally should be according to Capital One 360. This believes that the breach of my account was not an isolated incident and stems from a more broad breach of Capital One 360 that they may be hiding from customers, investors, and regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report. 
Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

TransUnion has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to 5 million individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 

XXXX, one of the XXXX XXXX information services groups, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX. The incident was particularly concerning due to the nature of XXXX XXXX business, which involves handling sensitive personal credit information.
Product: Mortgage

In XX/XX/2019 I noticed that they increased my interest rate to 5.25 % and then in XXXX it was increased to 5.65 % I contacted the company I called them regarding the interest rate on my reverse mortgage. The increase rate has increased quarterly, while the interest rate at other banks have dropped. I also took out money from the loan and I was told that an interest rate would not apply to that amount. In reality, American Advisors Group applies a high interest rate on this amount each time I withdraw from the reserve.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Scammed on app for {$350.00}. Immediately I reported the scam and tried to get my money back. Company said there was nothing they could do.
Product: Credit reporting or other personal consumer reports

My entire student loan debt was XXXX in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is XXXX under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect XXXXXXXX XXXX but my attempts with XXXX XXXX XXXX  have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by XXXX XX/XX/XXXX.
Product: Checking or savings account

My checking account was closed in XX/XX/2019in the amount of XXXX due to them allowing a company to take out funds from a debit account that was not a credit card account causing me overdraft fees and then closing my account and I really do not have the funds to reopen it because i am on a fixed income. 

I spoke with an secretary to the President of the bank and she stated that they should re-open the account since the balance was near to XXXX dollars. So I have contacted them by phone, in-person and written communications to no avail.
Product: Debt collection

Company, Preferred Lease XXXX XXXX XXXXXXXX XXXX, Tx. XXXX, reported alleged debt over {$600.00} to all ( 3 ) major Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) as written off and neglected to send form 1099-C or proof of filing status for this current tax season and continues to report a late payment balance despite it's responsibility to the IRS. Preferred Lease continues to report this information to these agencies after being sent notice of violation ( XX/XX/2022 ). This adverse action against me has affected my general mode of living and has caused financial hardship to my Family and I. Please assist me and thank you for your attention in this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering the lost funds was impossible and that tracking these transactions was un feasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 
I have contacted XXXX close to 16 times through out the past eight months when the accounts in question appeared on my credit reports causing me to be denied for home loans/refinancing of my car and various other credit applications as a result. 
I have formally written letters requesting investigation with each of the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), without a resolution or proof of investigation.
Product: Mortgage

Obtained payoff quote and their procedure from Specialized Loan Servicing on how to payoff the balance of my loan. Mailed by priority mail XXXX a cashier 's check from XXXX XXXX XXXX for {$680.00} which a copy of the cleared check from XXXX XXXX shows it was received by SLS XX/XX/19 by XXXX 6. The payment was due XX/XX/19. 
Continued daily follow up with SLS since XX/XX/19 shows they have never posted this payment to my account indicating payment in full. 3 emails sent, 1 fax sent and confirmed, 10 phone calls all multiple requests only results in extended hold times and no results. 
I request that my account reflect paid in full as they have the money received in a timely manner and that all liens and paid in full paperwork be completed indicating no derogatory reflection on my credit.
Product: Credit card or prepaid card

This is in reference to previous complaintXXXX. 
I am enclosing XXXX and XXXX year summary for the credit card ending in XXXX. 
my previous correspondence, required an answer to WHY i WAS CHARGE IN THE MONTH OF XXXX 5X 40 = {$200.00} " returned check/bank declined transaction "!