23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that I've missed payments to one of my lenders AES/NAVIENT and that my balance has went up, presumably from missing payments, interest, and possible penalties, though student loan payments are suspended until XX/XX/2022. AES/NAVIENT has never mailed me a statement, either.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX ) XXXX Equifax XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX I have attempted to each company with so resolution. These are unauthorized credit report request and I would like them removed from my credit report. This is hindering me from my own authorized credit needs.
Product: Credit reporting or other personal consumer reports

I sent letters to each credit credit bureaus ( XXXX, XXXX, TransUnion ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/2023 Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made
Product: Credit card

Upon account activation and app download, on MONEYLION, based upon my credit score, I was given loans I was pre approved for and card offers. My credit score is above a XXXX. After completing the offers, it then tells me im not approved. Very misleading and intentionally so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can I called XXXX XXXX at for my XXXX XXXX card? I called them and I discussed with them making a payment. I made a payment of {$47.00}. They told me that all I had to do was call back after I made the payment and it would prevent me from having a bad standing with them on my credit report. Then today I get notified that my credit score just dropped XXXX points because of them and I already made that payment and now they told me when I called him this morning that I have to write a letter to them this could take two more weeks or more to get this resolved. In the meantime, my credit score has plummeted another XXXX points and I dont feel thats fair thats not what they told me when they told me that they made that {$47.00} payment they told me it would be in good standing after that now its not and I need some help with us because I dont have time being sick like I am and permanently disable to write letters and wait for the responses and things when they made false promises in the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I made a complain to the CFPB, CFPB Complaint ID XXXX. I am responding to Transunion XX/XX/2021 response.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We were told from this vet that our bill was {$1600.00} and at that time our dogs was doing better and we decided not to recieve any additional services, so we got our dog and didn't stay the anticipated time the docter had said. So when we finally looked at the bill we say that they had billed us for {$2200.00}, which were services we did not recieve because we checked our dog out. We have tried to work this out with Wells Fargo and have not had any luck. Please help, because our dog did not get the services I checked on the attachment enclosed. Please review XXXX and you will see that this XXXX XXXX XXXX XXXX XXXX has a pattern of doing this type of business to their customers. Please read their reviews on XXXX  and see their XXXX rating. I am requesting a refund of XXXX which is the difference between the intial amount of {$1600.00} and the {$2200.00} they up charged me.
Product: Mortgage

PRIVACY ISSUES - REPEATED DISCLOSURE OF CONFIDENTIAL INFORMATION XXXX XXXX via their attorneys continues to disclose my confidential information on my dispute with them, to the former owner of the house I rented and her attorney -- without my permission or approval. In fact, I told them NOT to do that. When they ignored me and once again divulged confidential information about my dispute with XXXX XXXX, AND MY MAILING ADDRESS -- I submitted CFPB complaint # XXXX at the end of XX/XX/XXXX for illegally disclosing my private information. ( XXXX XXXX wrote me a letter regarding that dispute, but told CFPB it is not their complaint. This is a lie. ) Instead of stopping their practice of illegally including people not a party to my complaint with XXXX XXXX -- on XX/XX/XXXX I received a letter at my home dated XX/XX/XXXX in response to my recent complaints. It stated I am not the owner so they reuse to respond to my complaint ( even though it has nothing to do with the owner ) -- AND THEY COPIED THE FORMER OWNER AND HER ATTORNEY WHO HAVE NOTHING TO DO WITH MY COMPLAINT!!! NOT ONLY THAT -- THEY INCLUDED ALL THEIR PRIOR LETTERS EVEN FURTHER DIVULGING MY PRIVATE INFORMATION ABOUT THIS COMPLAINT AND MY MAILING ADDRESS, WHICH IS NOT PUBLIC KNOWLEDGE WITHOUT MY PERMISSION. 

THEY ONCE AGAIN DIVULGED MY CONFIDENTIAL INFORMATION. 

Since XXXX XXXX steals their clients identities to open unauthorized accounts, they obviously do not take private data seriously. They seem to believe they can do whatever they XXXX well please. 

I notice although XXXX XXXX wrote me a letter they refused to respond to my complaints, they responded to the above complaint to you that they are the wrong party. They also claim this is the same issue they responded to. This is also a lie. Despite multiple complaints different in nature, XXXX XXXX has not appropriately responded to any of them. 

The owner of my rental is XXXX XXXX. Their name is on the deed. The name of the TWO cases trying to illegally evict me as a renter with PTFA rights was XXXX XXXX. Further, in a deposition of Spring XX/XX/XXXX, OCWEN testified under oath at least 17 times they are operating under the direction of XXXX XXXX. OCWEN further testified that they had power of attorney and the law firm XXXX XXXX XXXX is operating under the direction of XXXX XXXX. 

Since XXXX XXXX 's agent XXXX XXXX XXXX, and their employee XXXX XXXX XXXX persist in divulging my confidential information, they need to answer for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of account below has violated my federally protected privacy and confidentiality under USC 1681. 
Account # XXXX XXXX 15 U.sc 1681 section 602 A. States I have to right privacy 15U.sc 1681 section 604 A section 2 .it also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following form of information any other adverse item of information other than record of conviction of crimes wish antedate the report by more seven days 15 usc 1681s-2 ( A ) ( 1 ) A person shall no furnish any information relating to a consumer to any information reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, KS XXXX Complaint Against Aidvantage for Failure to Respond to Debt Validation and Unauthorized Account Changes Dear CFPB, This letter is to formally register a complaint against Aidvantage, my federal student loan servicer, for violating my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

Account Details : Borrower Name : XXXX XXXX XXXX Loan Account Number ( s ) : XXXX Nature of Complaint : Validation of Debt, Request for Confirmation On XX/XX/2024, I submitted a written request to Aidvantage for debt validation in accordance with my rights under the FDCPA. This request has been completely ignored, and I have not received any response from Aidvantage. 

Furthermore, without my consent, Aidvantage has recently : Increased my interest rate on the loan ( s ). 
Modified my forbearance schedule, moving up the scheduled payments. 
I have not been informed of the reasons for these changes, nor have I been given the opportunity to contest them. 

Requested Relief : I request that the CFPB investigate these matters and take appropriate action against Aidvantage to ensure they : Validate the Debt : Provide detailed information regarding the origin and validity of the debt. 
Reverse Unauthorized Changes : Revert my interest rate and forbearance schedule to the previous terms unless they can justify the changes in writing. 
Comply with the FDCPA : Respond to my debt validation request within the legal timeframe. 
I am attaching a copy of my original debt validation request to this complaint. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

its the chase credit card company ( chase bank ) they are asking us to the fradulent charges on my account XXXX last XXXX digits XXXX ), even though we reported fradulent charges and told them that we lost the card, we have called them several times but they are siply ignoring and asking us to pay regardless. 
as the credit card card aggrements, we do not have to pay the fradulent charges if they are not ours, its the law and in all fairness it should not be the case morally also.
Product: Credit reporting, credit repair services, or other personal consumer reports

The American Express reporting Charge-Off in my personal credit account. This was strictly for business. My business investment possessed fraudulently. 

Please see the factual detail : The American Express card was strictly used for my business in Hawaii. 

This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with American Express and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit as this was strictly for business. As my business investment fraudulently possessed since 2017 '' Please remove this negative item of Charge-Off from my credit. 

Your consideration is required and requested.
Product: Payday loan, title loan, personal loan, or advance loan

Bankers Healthcare Group ( BHG Financial, hereafter referred to as BHG ), XXXX XXXX ( hereafter referred to as XXXX ), and XXXXXXXX XXXX XXXXXXXX ( hereafter collectively referred to as XXXX XXXX  ) engaged in multiple deceptive trade practices under Texas Deceptive Trade Practices Act and Federal Consumer Protection Laws disguising predatory and unfair consumer lending product as a business lending instrument as a means to circumvent and effectively strip away consumer protection of the personal guarantor and business owner. Additionally, the hiding or otherwise emitting of details on fees pertaining to lending. They further engaged in unfair business practices in breach of good faith and fair dealing and violated terms of the contract. A resolution to this claim is just and should be reached in good faith. A complete detailed description of the actions, supporting material, and proposed resolution has been attached.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, which is Synchrony Bank, whether implied or explicit. Please provide me with documentary evidence of the obligors indebtedness. Documentary evidence is not a copy of statements from the original creditor, I require original copies of the consumer contract with my signature in addition to all pertinent information as applicable under law. This company is in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I will not make any or future payments to XXXX XXXX XXXX under their threat, duress, and coercion, due to the undue influence of them placing this illegal and unlawful account on my consumer report. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused by XXXX, Synchrony Bank and XXXX XXXX XXXX. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Additionally XXXX XXXX XXXX has previously attempted to take me to magistrate court in 2021 and the case was dismissed because of their failure to appear, also the statute of limitations on collections for the State of South Carolina and Kansas, where they are incorporated is 3yrs. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

Hi, I have been unable to log into my checking account with Capital One on desktop or mobile without having to reset password daily. 
I have have been stuck in a loop of some sort since XX/XX/XXXX with constantly getting the run around from several representatives, managers and the IT department. 
The IT department advised to keep changing password until one sticks. ( What does that even mean ) Managers tried to help, but when they say they will escalate to IT, I never get a call back. 
*Attached is a letter that I wrote to Capital One back in XXXX of XXXX. No response from Capital One* I can log one day with changing password, but then the very next day, I am prompted to change password and I'm in this loop cycle where the system would continuously ask me to do this with no hopes of actually getting into my accounts. 

This is frustrating to me because I have a car that is financed through Capital One, credit card and my checking account. 
This is a huge problem because when I am late making payments, they are really quick with adding fees but not with assisting me with helps to log in to account. 
I had to pull my money out of Capital One checking and go back to XXXX XXXX. I am extremely unhappy about this. Please help. Thanks
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I authorize any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 


Summary of Accounts being challenged in list form XXXX - Account XXXX This is not mine. 

XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt exists XXXX - Account XXXX I don't recall having late payments on this account XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) 261 SW 715 719 I may presume that no proof XXXX XXXX XXXX debt nor therefore any such debt in fact exists XXXX XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) 261 SW 715 719 I my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit 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 # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX # 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 rimes 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Bull City Financial Solutions. This Company has opened an account in my name using my personal information with no authorization from me. This company has reported to The Bureau that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. Bull City Financial Solutions has also reported an incorrect illegal account to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation for holding medical information within their establishment without a medical release form from me. They used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. The Original Creditor was listed on my credit as Bull City Financial Solutions which is incorrect. I am a consumer which makes me the Original Creditor.