23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

these companies have violated my consumer rights, lied and said that the things in question have been verified by XXXX. That was not true, as XXXX reported that they have not confirmed anything neither were they reporting said items. 
( see copies of laws violated ) These XXXX agencies have no right to violate my privacy, nor did I give them authorization to report anything about me. 
I want this information removed ASAP since it only takes XXXX to XXXX days to confirm false information. I also want a check sent to my mailing address for ALL VIOLATIONS PER COMPANY. {$1000.00} per violation each! 
I also want my scores restore back to the XXXX plus range per agency. 

Thank You XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is potentially a giant scandal. 

After the XXXX  hack, I took the liberty of freezing my credit on all three reporting agencies. 

This past week, I attempted to open a new line of credit with XXXX but was informed that my credit was frozen and to call TransUnion, because they have a relationship with them to expedite the process. 

I called TransUnion and they asked for my PIN number to unfreeze my credit. I do have my PIN on hand, but just to see what would happen, I informed them that I lost my PIN, is there anything I can do? 

To my huge surprise, they said yes, and by answering a few security questions on my credit report, they can unfreeze my credit. 

THIS. IS. NOT. GOOD. 

What is the point of freezing your credit with a PIN if it can be accessed anyway without a PIN? The answers to those security questions on that credit report can easily be found with enough XXXX. 

THIS MEANS that the whole illusion of securing your credit with a PIN is FALSE. 
And this illusion of security will only lead us down the same path as it did with XXXX, with a data breach and the answers to those security questions. 

THIS MUST BE FIXED! 
I am considering reporting this to major news outlets. 

Let 's talk as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX I filed a dispute claim with Cash App regarding a payment that was made however, I did not receive the service. The total amount was {$330.00}. Cash app told me that I would hear back from them soon regarding the claim and I have never heard from them. When I reached out, they told me there is nothing that can be done. The dispute process was unfair and deceptive ; they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I have come to the realization that I was not speaking with a real agent It was only speaking with a robot, which is why my problem wasnt carefully reviewed or resolved. Therefore, I would like to file a complaint against Cash App ( Block , Inc . ) for inadequate customer service and failure to prevent fraud leaving my account unprotected. Using false agents goes against the Consumer Financial Protection Act ( CFPA ).
Product: Checking or savings account

In XX/XX/2020, i ordered a replacement debit card. On appx. XX/XX/XXXX i went online to my account to see if I can check status of the debit card and came across my balance being less by {$3300.00}. This red flagged me because I didn't have a card to access any money in the account. I immediately contacted capital one customer service and told the i did not receive the card, and that the transactions weren't mine. The transactions occurred in XXXX, NY i was advised and i do not go to XXXX. The tranactions were on XX/XX/2020 an ATM withdrawal for {$800.00} and for {$360.00}. ON XX/XX/2020 the same. {$800.00} and {$360.00}. Also on the XXXX a money order was purchased at the post office for {$1000.00} plus a fee of {$360.00}. Customer service opened one claim for the ATM withdrawals ( 4 ) and one claim for the USPS transaction. On XX/XX/2020 i received a credit for {$1000.00} and on XX/XX/2020 i received a credit for the ATM transactions. 

On XX/XX/2020 the credits were reversed by capital one. WHY???? I never received my card. Capital one states i activated my card. I did not. I never got it. Also, I gave capital one the letter that I received from the USPS that on XX/XX/2020 a thief stole mail out of the mail carriers wagon for my zone. They notified all the afected addresses of the theft. I also submitted a police report. 
Capital one closed my cases and basically don't care. 

The major problem here is that CAPITAL ONE let someone activate my card, NOT Me and gave access to a thief. So closing my case to run away from a bank mistake is not the right way to go. 

i can supply the phone bill with all calls printed showing no call to capital one. i also gave capital one the letter from the usps and the police report and they refuse yo open the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Experian my explicit written permission to report my private information. I'm seeking compensatory damages and I'm asking for my private information to be deleted.
Product: Credit card or prepaid card

I have had issues paying my bill with Comenity bank on my XXXX card for months. When you make a payment over the phone they never send anything to let you know the payment has fully gone through.
Product: Vehicle loan or lease

I had a loan with Santander bank for a car that I got in XXXX of 2022. My car was deemed totaled mid XXXX of 2022. During the process of my insurance company paying for my totaled car, Santander bank continued to charge me and claims that I was 30 days late on one payment, and 60 days late on another payment which made my account show up as delinquent. My insurance company, XXXX, paid XXXX and my GAP insurance paid the remaining balance. But on Santanders end, my account still shows up as delinquent and that I owe them XXXX even though they have received the check from both my regular insurance and GAP insurance which is hindering me from being able to get a new car
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud
Product: Mortgage

My home was damaged by XXXX XXXX on XX/XX/2022. During and XXXX  months before XXXX I was unemployed. Even when unemployed I was making my mortgage payments. This XXXX and being unemployed devastated me financially. I applied for XXXX  months mortgage payment relief from my mortgage lender PNC bank. I was denied. They said they will foreclose on my house if I don't make the XXXX  months back payment. the estimated price to due my home repairs from the disaster is {$XXXX}. I had to make the difficult decision on using my insurance money meant to do repairs to my home to pay the mortgage so I won't lose my home. I spoke and provided all documents asked of me to PNC bank and they did not help me at all for the XXXX  months relief. Even when making the payment with the insurance money they dropped my credit XXXX points.
Product: Mortgage

Rocket Mortgage/Quicken Loans churned 5 refinances in 3 years for an elderly person with XXXX, charging him {$25.00}, XXXX in fees and costs. They did not require him to escrow taxes, despite tax records showing he was behind, they charged him for new title insurance policies all 5 times which is not customary when refinancing with the same lender. They failed in their fiduciary duty to identify and report a customer with diminished capacity. They charged him discount points/orgination fees and allowed him to roll all costs into his newest loan, thereby driving up a XXXX loan to a XXXX and now that all his equity has been drained, they are foreclosing. They also failed to make the roof repair part of the loan agreement, so the roof that he indicated he was using the refinance for, was never repaired and is now damaging the property. Note that loans XXXX and XXXX were all taken out just to refinance the previous loan to Quicken-no money was cashed out to the borrower or to other debtors. I think a fiduciary crime has been committed here. If you look at loan XXXX, taken XX/XX/XXXX, it cost the borrower {$4000.00} to make the loan only to save {$53.00} per month, then 11 months later he was allowed to refinance again at a cost of {$4600.00} just to save {$43.00} per month, then he was allowed to refinance again 10 months later at a cost of XXXX which he used to pay off an XXXX credit card that only required a XXXX XXXX monthly payment -- no credit counseling was provided or suggested, nor advice against refiancing for the XXXX time in 3 years to pay off something well within his budget. It was the responsibility of Quicken/Rocket to raise a flag at this type of activity on the same address yet they failed to take any action. I want a full investigation of how this was allowed to happen. 
XXXX. QUICKEN LOANS- XX/XX/XXXX, borrowed {$75000.00}, total closing costs : XXXX, Closing costs financed : XXXX interest rate : XXXX Term : XXXX points : 1.38 % Monthly Payment : XXXX XXXX. XXXX LOANS- XX/XX/XXXX borrowed : XXXX, total closing costs : XXXX Closing costs financed : XXXX, Interest rate : XXXX term : XXXX XXXX % monthly payment : XXXX Paid off XXXX and got {$19000.00} cash out XXXX LOANS XX/XX/XXXX, borrowed XXXX total closing costs : XXXX, closing costs financed : XXXX, interest XXXX, term : XXXX, points : 1.75 % monthly XXXX Cash to borrower : XXXX only paid off XXXX XXXX. XXXX, borrowed : XXXX, closing costs financed : XXXX interest rate : XXXX term : XXXX, XXXX %, payment : XXXX Paid off XXXX XXXX. ROCKET XXXX, borrowed : XXXX, closing costs financed : XXXX, XXXX rate : XXXX term : XXXX, points : 1.50 % payment : XXXX cash to borrower : XXXX
Product: Credit reporting

I just discovered that I 've evidently slept walk through a buying a car and mortgaging a house. I rent and my car is 15 years old. How the XXXX do I fix this?
Product: Debt collection

Ive been getting emails about a payday loan debt from a lawyer claiming there is an active warrant for my arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the accounts held by XXXX now is fraudulent and was not opened by me or with my consent. I have an account which shows paid on time and in full with XXXX now which is valid, however there's another at a later date which is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EXPERIAN any verbal or written consent to report anything on my consumer report. 

Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 7 transactions are also against my individual right to privacy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed incorrect date of birth 2 times. The first time I was asked to provide a drivers and copy of social security card to prove my date of birth was incorrect. After submitting a copy of my Missouri issued state identification and a social security card, I was asked to provide the documentation again, in which I did and the incorrect birthdate was included in the request still as if my actual documents were incorrect and not them. I have proven to them that the information they have is incorrect and equifax is refusing to update the information even after they supposedly did a reinvestigation of my dispute. I feel as if equifax is forcing me to have an alias.This is a violation of my FCRA rights and a smack in the face after already being one of their data breach victims.
Product: Debt collection

I received a phone call from XXXX on a debt that they purchased that I had defaulted on. The man 's name was XXXX and he was threating to have me thrown in jail for e-signing a bad check to them, that if I did not give him my credit card information right now then they would contact the solicitors office in my county and have me put in jail for XXXX dollars a day until the debt was paid. I have never had any interaction with this company and they purchased the defaulted debt.
Product: Debt collection

Penn Credit Corp contacted me about someone else 's debt. They called my phone number and asked for someone else. When I asked, the caller provided company name and phone number for a Do Not Call complaint. When I asked what the call was about, the caller initially refused to say anything beyond something like confidential business information, and could not discuss with a third party. However, during this time, I XXXX the company name and the caller confirmed that she is a debt collector -- thereby revealing the person she was asking for owes a debt. 

Debt collectors put themselves into a conundrum by calling third parties. They can not reveal to that third party that they are attempting to collect a debt, but they also can not hide the fact that they are a debt collector. The only solution is to not call other people in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb complaint reasons. 
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.
Product: Credit reporting or other personal consumer reports

I checked my credit report and these came up as hard inquires. Please remove them from my credit report. Thank you. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

court awarded amount of XXXX. This was collected back in XX/XX/2019. the company told me I still owed them money above what the courts took. I paid that amount XX/XX/2019. they say I Still owed more money. I paid that amount XX/XX/2019. I want this to finally be over. I paid enough. I want a paid in full letter and this to be dropped from my credit report.
Product: Debt collection

I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with ( XXXX XXXXXXXX XXXX ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022, I have not received any documentary evidence such as a trilateral contract giving ( XXXX  XXXX XXXX ) any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX  XXXX XXXX ) before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If ( XXXX  XXXX XXXX ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt 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 and ( XXXX XXXX XXXX ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I had a loan with XXXX who was charging me over 100 % interest they sold the debt to another debt collection agency and now that collection agency has sold the debt yet again and is just now furnishing it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose.

Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.
Product: Debt collection

Dear Sir or Madam, I uploaded a letter for your review. 
Please take a look at the letter. 

Before we went to vacation, me and my wife went into this place to get our covid tests done.

When we were there, they asked us to see our Medicare cards and told us that we won't pay for anything.

They added services to our visit and send us a bill to pay in the amount close to {$400.00}.

I called them many times and instead of responding they gave us to collection.

I called the collection company and filled out the form online as they told me to, I send the attached letter to the collection company and till today no one called me or responded to my letters or phone calls, they are saying that if I don't settle this by XX/XX/XXXX this will affect my credit report. 

I can afford to pay this amount not to ruin my credit but what would happen to someone who needs the money and can not afford to ruin their credit. 

Please look into this and try to stop these people from doing dishonest things like this. 

Regards,