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

This pertains to my previous complaints : - ID FOR COMPLAINT SENT TO XXXX - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX - ID FOR COMPLAINT SENT TO EXPERIAN - XXXX I need your help to resolve this issue. I am exhausted from continuously communicating with the bureaus. I am not receiving any assistance. I have been a victim of identity theft, and these companies or individuals are taking advantage of my situation by exploiting my information. These fraudulent accounts and inaccurate reports have put me in a very difficult position. I am unable to apply for anything at this point due to the negative statements on my credit reports, which are not even mine. I am seeking justice for this unjust and delayed resolution. Please assist me. 

The following are the items that I need to be removed/corrected : XXXX ) I was not late for these payments : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
The creditors did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. 

XXXX ) Remove these fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Delete the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX ) I was informed that these would be removed from my account, but they are still here : a. XXXX XXXX XXXX XXXX XX/XX/XXXX b. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have attached a copy of my FTC report, CFPB report, ID, proof of address, and SS card.
Product: Credit card or prepaid card

This a complaint against Capital One Quicksilver Credit Card, case number XXXX. Capital One bank is playing pranks regarding this dispute. This dispute has been ongoing since XX/XX/2022. After the initial complaint, capital requested in an online latter dated XX/XX/2022, that I provide a signed letter of my complaint and other documents to support my claim ( see attached document XXXX ). I replied to Capital the next day XX/XX/2022, faxing the signed letter and the documents received. Capital One on XX/XX/2022, responded acknowledging that they received the letter but that the document I submitted were invalid ( see attached document XXXX ). That was when I reported this issue to CFPB, and Capital One then responded by actioning the claim and refunded the money on XX/XX/2022. However, on XX/XX/2022, Capital one wrote to me stating that they are recharging me the amount for the claim and then asked me to send then the same signed letter and supporting documents ( word by word - see attached document XXXX ) they had requested on XX/XX/2022, that I sent to them on XX/XX/2022, which they replied on XX/XX/2022, that those documents were invalid. This has been the behavior of Capital One Bank, continue to show incompetence and unprofessionalism on every count. Obviously, this shows they are on the side of this merchant that collected money for services not provided and refuse to honor the refund in a purchase that was insured. I stand by my right for the partial refund of the amount of {$480.00} of the total {$3500.00} that paid. I have provided all the document that Capital One asked me to provide and it is in their possession. However, they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.
Product: Student loan

Through learning of a different student loan company being sued, I learned of this resource and thought I would attempt to have an old issue resolved. A long time ago, I made XXXX payments of {$50.00} each that were taken out of my bank account and never appeared on my account as a payment. Not long after realizing the payments never appeared on my account, I contacted Nelnet and was directed to the part of the website where I could view my payment history ( which I had obviously already seen if I knew the payments did not post to the account ) and was given generic information about payment processing times ( which had long since past ). Frustrated, I had long since given up on getting this resolved, but in light of the news about another student loan company systematically mishandling payments, I have decided that I do n't want to allow this problem ( and my hard-earned money ) to just disappear. 

The first payment, made XX/XX/2015, had a confirmation number of XXXX. The second payment was made on XX/XX/2015 and the confirmation number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get money out of my digital wallet from Apple and I was sent through an UNWANTED application process for their credit card. I didnt want credit! I just wanted my balance. I knew Id get denied. But really? I just wanted my funds. Someone should look at the process to get to your apple funds. You shouldnt be sent to the card application process when you just have a balance that you want access to. Lets say UDAAP. Lets also say also so many access to funds. Would that include Reg CC?
Product: Checking or savings account

On the XXXX and XXXX of XX/XX/2022, someone ( apparently a Chase employee ) initiated a totally unauthorize and illegal movement of {$52000.00} from the Line of Credit account ( XXXX ) to the XXXX XXXX XXXX checking account ( XXXX ). During the same time frame, the Chase Bank used a balance which had been accumulated in the checking account ( the XXXX number had been changed to ( XXXX ) to pay and amount ( about {$100000.00} which Chase Bank had previously determined was fraudulent. This amount, turned out to be more than the prevous payable recorded. These Chase Bank unauthorized and illegal reducations from the Caregivers, Inc.accounts had devastating results, essentially putting the company out of business, and putting employees out of work.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I was in need of additional financial assistance so I took out a personal loan. What I was not aware of is lendly.com is just another predatory lending company. I was given a loan for {$2000.00} but when it is paid off this company is going to receive {$7100.00} with an interest of 184.49 %. It felt initially like I was being helped with this company, but now I am in a debt trap. I've asked to refinance to try to get a lower rate, but was denied that option. A loan company getting everything they loaned you plus almost triple of what they loaned you should be illegal. Can you assist in getting this interest lowered or if this is illegal can we get this loan closed?
Product: Debt collection

Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, DEPARTMENT OF EDUCATION add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports per XX/XX/XXXX and XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I am being sued by a debt collector from a credit card I never had, yet they claim I owe this money. This is a bogus credit card that I would Never have and dont know how this company obtained my information. XXXX Credit Card. I have Never heard of this company
Product: Mortgage

I hold a first mtg with US bank ( loan # XXXX ). I applied for a loan modification due to the fact my payment is going up in XXXX and I lose my child support in XXXX 2017. My income is XXXX a month from my job XXXX. My payment will be XXXX. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of XXXX is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in XXXX 2017. US Bank said I can not file an appeal! So much for saying on their paper work they want to work to help you keep your home!
Product: Consumer Loan

Someone contacted me today at work 3 times attempting to collect a debt for Spot Loan. The name of the company was either XXXX or XXXX. The first number they called from was XXXX, and they did not identify themselves ; they just started asking questions. I hung up. 5 minutes later this someone else called from an unlisted number but I could not pick up. The third time I did pick up and I was threaten with a lawsuit if I did n't pay. I do not owe Spot Loan any money, Spot Loan is not licensed and therefore illegal in my state of TX, and I want all communication from Spot Loan and their collectors to cease immediately. I have can not take personal calls at work and do not wish to receive any call from them going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of several accounts from my credit report. I am a victim of a recent data breach, and I believe these accounts were fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts be immediately blocked and permanently deleted from my report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$230.00}
Product: Student loan

I have tried to get my student loans dismissed for XXXX  XXXX for 8 years. They had me recently complete more paperwork for loan deferment and then wouldnt help me with the XXXX  XXXX  XXXX paperwork. We did all this paperwork 8 years ago and they said something fell through and now Im trying to complete it again.
Product: Student loan

I have been putting my life and my family 's life in danger due to being a XXXX. Nothing has been offered to help XXXX  with student loans, not even from job. I think XXXX  should be able to get loan forgiveness for all or even half of student loans. We are here helping the world with COVID. Also, my loan has been consolidated so many times and it nulls out my plan or payment credit time.
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 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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, There are inquiries on my 3 credit reports that I didnt authorize!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage loan from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. md XXXX, phone XXXX XXXX XXXX on XXXX. 
XXXX, the house was foreclosed and sold in public and the credit union took over the property. 
Now the credit union reported to the three credit bureaus a foreclosed date of XXXX which was wrong and secondly they put a balance of {$67000.00} due to be paid by me why in actuality, the account was charged off. I had disputed this several times, with the credit bureau and results came back unchanged. 
This had resulted in my inability to secure a mortgage loan for a new house or reasonable loans to do business. 
I had contacted XXXX XXXX several times to correct this information but to no avail. Please mediate in this matter.
Product: Debt collection

EVERY DAY we are receiving a telephone call from the United Collection Bureau ( telephone number ( XXXX ) XXXX ) which is a computer generated call and contains a pre-recorded statement to hang up if the call is being made in mistake. We do not want to receive this call, can not stop it, and do NOT owe anyone any money and should not be subjected to this telephone harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both Experian and XXXX credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( Experian and XXXX ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court to me.
Product: Debt collection

The company is reporting negative information to the credit reporting agency known as XXXX that is adversely affecting my livelihood. 

I have never done business with this company and have never entered into any contracts with the company. And the company certainly does not have any express or implied consent from me to furnish such information. 

The company 's actions are a violation of the Gramm Leach Bailey Act and my privacy rights. 

I rely on my credit standing to provide for my family but the actions of the company are hindering my ability to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as 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 card

In XX/XX/XXXX I saw that I was late on a payment on my XXXX  store credit card account. I called and asked for that late fee to be refunded, which they did, and I paid the remaining balance, or so I thought. What I didn't realized was that there was still {$1.00} left on my account -- I think b/c of interest. Yesterday I checked my account and saw that I my balance was up to {$94.00}, but I hadn't made any purchases. When I checked my account I saw that the company that issues the cards, Bread Financial, charged me {$89.00} in late fees on a {$1.00}. Today, XX/XX/XXXX I called and asked for all fees to be refunded. They refused at first, but still would only refund {$37.00}. Even though I said they would lose me as a customer over this. I escalated the conversation to a supervisor who continued to say they would only refund me {$37.00}, they refused to refund the other late fees, even though the late payment balance was only {$1.00}! I feel this is so predatory, I was stunned. They didn't care that I wanted to close my account, they simply refused to transfer me to anyone that could help and stated over and over again that I " didn't pay the entire balance '' of {$1.00} and they could only offer me {$37.00} refund and that was only IF I kept my account open. So I still owe {$50.00} some dollars of the account -- all in late fees on {$1.00}.
Product: Credit card or prepaid card

Discover allowed some one who was not Authorized on my account to make payment to my account and made purchases on my account .I wasn't aware at that time that my account was compromised so when I filed a dispute Discover went against their customer and tried to make me pay for the fraudulent charges .This company don't care about they customers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that Experian investigate the XXXX XXXX  account ( XXXX ) as a XXXX  account. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account when I sent in my dispute letters. 

This is a violation of the FCRA.
Product: Debt collection

I previously had an account with XXXX XXXX in which the service was terminated. They sent me a bill saying I have a past due balance and a last bill. I paid over {$2000.00} to take care of this collection account. This account was to be deleted after a paid the account. This account has failed to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I leased a car in XXXX through XXXX XXXX XXXX ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.
Product: Debt collection

I am writing to formally dispute the consistent existence of inaccurate and fraudulent accounts on my credit report. After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. I have taken the necessary steps to report the fraudulent activity to the authorities. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA mandates a timely resolution of consumer disputes, typically within 30 days.
Product: Debt collection

XX/XX/21 I sent out letter to Credit Collection Services XXXX XXXX XXXX XXXX, XXXX XXXX requesting debt validation of {$320.00} ; no response. Sent out same letter on XX/XX/21 still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.