23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received indication from Capital One that my credit card address changed. I do not know the status as from my understanding, others in XXXX XXXX 's family. From my understanding, XXXX XXXX  while paying for this card sought to move forward with commercial activities while lying or obscuring this from me. I made a copyright in her name. One is a film regarding the anti nuclear movement which she was apart of. However, from my understanding much of their exploitation stems from my own activities where there was no copyright and various groups as well as members of her family sought to find ways to degrade and essentially destroy my life. This has been going on for a shockingly long period of time. I thought frankly that the use would be that as those things obscured from me, it was her that would attempt to invalidate their use my own efforts, of which much of the circumstance stems from their various assaults, while invalidating those things and then seeking to use this credit card or other bills. For example, a student loan. However, with the change of address which I thought I thought was initiated by her - from my understanding believe that one of the individuals involved violating my privacy, that her stepson XXXX XXXX is also reading my mail. I want to know if this is true or not, and if this decision to use the XXXX XXXX was because of that. I believe some of the conflicts I may not be privy to, are smaller and may involve her family members but there here are other confirmed legal matters as well a law firm in XXXX known as XXXX has confirmed they have conflicts as well as XXXX XXXX of the law firm XXXX XXXX. XXXX XXXX of the XXXX XXXX confirmed he has in depth knowledge of the situation. However, it is not clear XXXX 's ongoing involvements. She is apart of a complaint I made with the CA auditor and was not sure if the lack of contact was due to that, as I continue to focus on this situation I need to know the details. The problem is not necessarily Capital One although I have contacted them with no response. It was not clear if beyond personal matters, they were invested in the commercial projects also as they have a venture arm. I am currently destitute, and will not relent from my current activities where my efforts and interests have been, but I do need to know if there is an attempt to use these things amidst those involved using and in fact stealing from me as well. There are several law enforcement organizations involved, a trap trace and pen register on my account. I do n't know what the status is. As stated, relations have dissolved. I do n't use the account except for revolving accounts, a website and gym membership, XXXX and credit reporting burueau but each of those things have experienced issues. From my understanding, XXXX 's involvements with the state of california have been malicious towards my own life but I do n't know if these payments are based on cognizance of my own efforts or if in fact it is representative of anything else. For example, her other family members in particular XXXX XXXX and his relatives. The account number is, XXXX.
Product: Credit reporting or other personal consumer reports

Summary of the Issue In XX/XX/year>2024, my student loan was placed into an Income-Driven Repayment ( IDR ) Plan. However, due to an error in processing my IDR recertificationof which I was never notifiedmy payment was automatically increased to approximately {$1000.00} per month. Because this change was unexpected and unaffordable, my loan fell 90 days past due, and XXXX reported this delinquency to the credit bureaus, causing severe damage to my credit score. 

However, at no point was I informed that I needed to recertify my IDR plan, nor was I given the opportunity to correct the issue before my credit was impacted. 

Violations by XXXX XXXX actions violate federal loan servicing regulations and consumer protection laws : 1. Failure to Notify Me of Recertification Requirements I was never informed that I needed to recertify my IDR plan. Loan servicers are required to provide adequate notice regarding recertification deadlines.

2. Failure to Offer Assistance Before Reporting Delinquency The Higher Education Act ( Section 430A ) requires servicers to assist borrowers before allowing a loan to become delinquent. I was never offered forbearance, deferment, or an alternative repayment plan before being reported late.

3. Inaccurate and Unjustified Credit Reporting Under the Fair Credit Reporting Act ( Section 623 ), loan servicers must ensure the accuracy of the information they report. Because my recertification failure was due to a lack of notification, XXXX reporting of my loan as delinquent was inaccurate and unjustified. 
4. Failure to Follow Required Forbearance Procedures My account should have been placed into an administrative forbearance rather than reported late while I was actively attempting to resolve the issue.
Product: Debt collection

BARCLAYS BANK DELAWAREXXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Dispute of Debt Account : XXXX Dear BARCLAYS BANK DELAWAREXXXX I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not XXXX in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.coinbase.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX  to www.coinbase.com with the help of the scammer. I transferred my virtual money from www.coinbase.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the www.doexoll.com was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The www.coinbase.com here in America did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.coinbase.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.coinbase.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable news for them to do a live investigation about this!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$4400.00} 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 XXXXXX/XX/XXXX
Product: Mortgage

Rushmore loan management stated in XX/XX/2022 that they first didnt receive my payment of XXXX XXXX before changing it to the payment was received as reversed as NSF XXXX I disputed this with Rushmores resolution department and I followed their instructions on what I needed to do to resolve the issue ( at least 3 times ) and still they have not resolved the issue and yet they are still reporting this to credit bureau as missing payment and it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

The following companies have fraudulently opened hard inquiries on my credit profile without my consent. I have spent weeks trying to figure out why I keep getting inquiries and this is because of identity theft. None of these companies will respond to me and they can not verify it was me that opened them. I have already contacted the police and I will contact my lawyer if this is not fixed. I need these inquiries to immediately be removed from my credit report. This is extremely urgent as I am purchasing a house for my family and this XXXX is hurting me. 

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

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

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/year> I purchased a house subject to from The XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX and XXXX XXXX ) sold the house seller finance. I paid {$30000.00} down and {$1800.00} per month for several months. Supreme Lending is stating there was an authorized transfer of the securities. I have been asking XXXX XXXX, XXXX XXXX and XXXX XXXX along with the previous owners XXXX and XXXX XXXX for my {$40000.00}. Supreme Lending wouldn't accept my payments on the phone and wouldn't accept when I didn't have his social security number. XXXX XXXX had the Mortgage Statements sent to his house from XXXX and this caused a breach of contract.
Product: Mortgage

I applied for a HAMP loan modification in either XX/XX/XXXX or XX/XX/XXXX. The reason for the request for loan assistance was due to the fact my husband XXXX in XX/XX/XXXX leaving me and my XXXX young children with no life insurance. We were unprepared for his XXXX. 
After this event I want to keep my children in as stable environment as possible. 
I put in my package to US Bank ( XXXX ). I stayed in touch with him, provided all documents requested and was told the file was complete. 
In XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) saying we were thrown out of loan mitigation saying I owed the following items : 1. a business tax return for a business only my XXXX husband was involved with. They claimed portions of the business tax return were not included. I sent the full return. including all items they claim I did not send. Clearly they got the return, I have proof. 
This request for my XXXX husband 's return is irrelevant to my loan. 
modification requests. I am not currently nor was I ever a participant in his business. 
2. They requested my pay stubs. I provided this multiple times. XXXX confirmed receipt as well as profit and loss statements, bank statements and any other documents they needed to review my request. 
They continue to stonewall me. I originally filed a complaint with the CFPB on XX/XX/XXXX. US Bank threw me out and denied my request even while the complaint with your agency is active.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXXXXXX displays a revolving line of credit under name XXXX XXXX XXXX. Reported by XXXX. Bank of America account XXXX the amount is {$78000.00} and there was recent activity on account that was not me.
Product: Debt collection

XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any knowledge about this account to be send to a collection agency. The bank never contacting directly about this bill issue.
Product: Money transfer, virtual currency, or money service

Navy Federal Credit Unio would not give me any information since I was not a legitimate account holder
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX a career coaching service we help individuals search possible career options and search out job openings that match their career interests and they may work in schools, colleges, government agencies or in private practices and other individuals who need help with professional development. since XXXX XXXX, 2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

I spoke with XXXX XXXX according to him that was his name I explained that I shouldnt be getting charge for late fee while I was under COVID-19 relief program including my other cards in personal loans and I requested for refund on the late fee that Ive been charge he promised that hes going to give me {$80.00} refund and the rest of {$120.00} he refused to help and refused to look into notes and told me that I was under COVID-19 relief program. Im requesting to have a refund back and seems like he refuse to help me and treat me little different because of my Last name and my accent. He does understand that I am have XXXX XXXX in XXXX  I told him that I am giving him a fair chance and he said he dont know if he can help I need to call a customer service. Please have them disclose all the comments on my all wellsfargo accounts and you will see I was charge for late fees. I am not sure who make and mistake but I spoke to someone in XXXX and requested a relief for COVID-19 assistance, not get charge late.
Product: Debt collection

XX/XX/XXXX I mailed collection company certified letters disputing debt and asked to see documents showing that I owe the debt. I received nothing except a bill I sent a second letter XX/XX/XXXX I sent a second letter Based on what The bureau says I should ask regarding debt collection Original furnisher, Contract they own debt etc. 
45 days went by and I received nothing except a bill from them from their client a data furnisher. 
I personally contacted the original company they said that they did not work or deal with debt collectors. And that I was not in a position they could speak to me do to HIPAA This is not proper debt collection or debt validation practices. 
The company also sent me a medical record which was a HIPAA violation My father never signed a release. 

Also my father passed away around that time. I have tried to tell these collection companies this. 
We had the same name. 
I noticed on the bills they had his old addresses on them not mine. I am assuming they did a search and randomly posted addresses to it. 
I can prove this by the attached consumer report from a smaller consumer reporting agency see attached this company ran my name a few times. 
I have not lived in Florida since XXXX My XXXX page can prove that as well. 
Also The medical records sent to me were for someone on life support its quit obvious its a mistake. 
However they have been notified of it and still refuse to remove according to what the law states They have also have had a history of removing and reinserting on my credit report. which is also illegal I should be notified and was never notified i have printed copies of credit reports from past 8 months
Product: Vehicle loan or lease

I qualified for the Santander Multi-state settlement for a loan forgiveness and Santander has yet to accommodate me
Product: Debt collection

I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
Product: Credit card or prepaid card

The fraud model for my card consistently prevents me from using the card for everyday purchases such as gas or groceries. I receive 1-2 calls per week regarding " potentially fraudulent activity '' on my account.
Product: Mortgage

We are having issues making our payment due to financial hardship. I submitted a loss Mit application on XX/XX/XXXX or XX/XX/XXXX. They did not communicate with me on the status of this application for over two months. I called numerous times, their phone number never reaches a representative. They have a call back system. When they call back the rep never has any updates. At the end of XXXX I called again and they stated a partial claim was approved and the I should be getting paperwork. I did receive the paperwork but the claim is for over double or what we are past due. I have called and wrote many emails so that they can explain this to me and no one replies. They say I have a single point of contact but no one tells me who this is. I am just trying to keep my home.