23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CAPITAL ONE HAS AND CONTINUES TO VIOLATE MY FEDERALLY PROTECTED CONSUMER RIGHTS. CAPITAL ONE CLAIMS TO BE THE CREDITOR STATING THAT CAPITAL ONE LOANED ME THE CONSUMER CREDIT. THE CREDIT IS ORIGINATED BY ME THE NATURAL PERSON THE CONSUMER. SO FOR CAPITAL ONE TO STATE THAT CAPITAL ONE LOANED ME CREDIT WOULD BE A VIOLATION OF 12 USC 1431 IT IS ILLEGAL AND UNLAWFUL FOR ANY FINANCIAL INSTITUTION TO LOAN CREDIT. CAPITAL ONE HAS ALSO SHOWN ACTIVITIES WHICH CONSTITUTE AS DISCRIMINATION WHICH VIOLATES 15 USC 1691 ( A ) ( 3 ) BECAUSE I THE APPLICANT IN GOOD FAITH HAVE EXERCISED MY RIGHTS UNDER 15 USC CHAPTER 41. CAPITAL ONE HAS ALSO COMMITTED UNAUTHORIZED USE OF MY CREDIT CARD WHICH IS MY SOCIAL SECURITY NUMBER AS PER FEDERAL LAW 15 USC 1602 ( L ) .AS PURSUANT TO 15 USC 1602 ( P ) I HAVE RECEIVED NO BENEFIT FROM CAPITAL ONE UNAUTHORIZED USE OF MY CREDIT CARD CLOSING MY ACCOUNT AND VIOLATING THE FDCPA 15 USC 1692 WITH CAPITAL ONE 'S CONDUCT AND ACTIONS. I AM DEMANDING CAPITAL ONE SEND ME A COPY OF THE 1099-OID TAX FORM FOR THIS ALLEGED DEBT. CAPITAL ONE ALSO DENIED ME OF A CAR PURCHASE ON XX/XX/2021 STATING THAT I NEED A ADDITIONAL DOWN PAYMENT. ACCORDING FEDERAL LAW 15 USC 1605 ( A ) THE FINANCE CHARGE IS THE SUM TOTAL OF ALL FEES AND DOESN'T INCLUDE A CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION .ALSO 12 CFR 1026.4 ( A ) The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction.SO CAPITAL ONE COMMITTED IDENTITY THEFT AND FRAUD XX/XX/2021 AS PURSUANT 15 USC 1681 ( Q ) ( 3 ) USING MY IDENTIFYING INFORMATION FOR UNAUTHORIZED USE WHICH I RECEIVED NO BENEFIT FROM .SINCE I DID NOT RECEIVE THE VEHICLE FOR WHICH I SUBMITTED A CONSUMER CREDIT APPLICATION FOR ON XX/XX/2021 BECAUSE I REFUSED TO PUT DOWN A DOWN PAYMENT BECAUSE CAPITAL ONE CLAIMED THAT WAS POLICY. WHICH VIOLATES FEDERAL LAW UNDER TRUTH IN LENDING ACT 15 USC 1605 ( A ) AND 12 USC 1431 IT IS ILLEGAL FOR BANKS OR FINANCIAL INSTITUTIONS TO LOAN CREDIT .THERE IS NO CREDIT SCORE TO QUALIFY FOR ANYTHING I AM THE CONSUMER THE NATURAL PERSON THE ORIGINAL CREDITOR. CAPITAL ONE CAN NOT LOPAN ME CREDIT OR MONEY AS PER FEDERAL LAW. I DEMAND EVERY ISSUE ADDRESSED AND RESOLVED OR I WILL SEEK LITIGATION. AS PURSUANT TO 15 USC 1693 ( L ) No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

I found out that I had something reporting on ChexSystems when I tried to open a new Checking Account. I filed disputes with ChexSystems and XXXX. I reached out to ChexSystems on XX/XX/2023 and XX/XX/2023. They have kept it on there and have not sent me any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XX/XX/XXXX-XX/XX/XXXX I was the guarantor for an apartment for my college bound niece. In XX/XX/XXXX, my niece moved from one apartment to another within the same housing development. I was unaware of this as I did not sign as guarantor for the XX/XX/XXXX-XX/XX/XXXX year. On XX/XX/XXXX I received a collection notice from a collection agency informing that there was an outstanding balance of {$270.00} owed to the housing development. There was no explanation of the charges, only the amount due. The letter also indicated that it was a final notice ; yet it was the first that had ever been sent to me. The letter stated that full payment needed to be received by XX/XX/XXXX. With one day left to get information about this letter, I immediately called the phone number provided. When I asked why this debt hadn't been collected prior to my niece moving from one apartment to another, the agent had not been aware that a move had occurred. My issue is that before my niece signed a new lease and moved into a new apartment, any outstanding debt she owed should have been collected. It was the error of the management company to allow her to sign a new lease, then a year later try to collect on this debt and not inform me prior to this final collection notice. I was very upset and requested proof of this debt in writing. The agent also became very upset because I expressed how little she knew about the account for which she was trying to collect this debt, and she transferred me to her manager. I refused to explain the entire situation again and just requested proof of the debt in writing once more. The XXXX asked for my e-mail address which I provided for her and the call ended. On XX/XX/XXXX I received an alert that my credit score had decreased by XXXX points. I was never given any notice of this debt prior to this single letter. My credit score was decreased before I had a chance to review proof of the debt which I didn't receive via e-mail until XX/XX/XXXX ; 7 business days after I had requested it.
Product: Credit card or prepaid card

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX - CARD SERVICE XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I identified multiple errors and inaccuracies. These involve accounts and inquiries that I did not authorize and appear to be the result of identity theft : Collections and Charge-offs : XXXX XXXX XXXX XXXX XXXX as charged off with a balance of {$7800.00} as of XX/XX/year>. I have no connection to this account, and it has been reported erroneously. 
XXXX XXXX : Reported as a paid charge-off with incorrect notes such as " Account closed by credit grantor. '' This account is not mine. 
XXXX XXXX XXXX : This account is inaccurately reported with derogatory marks and does not belong to me. 

Unauthorized Inquiries : My report includes 10 hard inquiries over the past two years, all of which are unauthorized and unrelated to any legitimate applications I made. 

Inaccurate Personal Details : Several outdated or incorrect addresses, such as those in XXXXXXXX XXXX XXXX, remain on my profile and do not reflect my current address. 

These inaccuracies have negatively impacted my credit score and financial opportunities.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 
Specifically, I request that the following incorrect information be removed : XXXX. Erroneous addresses that are not associated with my residence history. 
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 To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report.
Product: Debt collection

XX/XX/2017 I received an alert that these items had been added to my credit report so I called XXXX  to find out what it was so they gave me the info. So I called AAMS to find out what it was about they told me they purchased a bill so now I owe them I informed them that this wasn't the right information and I need validation of the debt by mail they said they had mailed me the bill got returned each time. I never got anything so I disputed with all 3 credit bureaus first they said it was verified then I asked to see the method of verification with XXXX  a supervisor let me call on 3 way to the company but no matter what I do or how I do it XXXX will not remove it I had sent letters They said they are not going to investigate again I sent them the statement of procedures that was said done and cost of each and they updated it to a because they saw that all together it didn't equal the amount of the first charge they had 3 Mark 's against me so the made it 1 deleted 2 because it was added with the 1sti sent my first letter XXXX, sent my 2nd letter XX/XX/XXXX 3rd letter XX/XX/XXXX, my aught letter was when they told me they wasn't going to investigate it again
Product: Prepaid card

They told me to try another store I keep trying to use the card but the card keep getting declined. I dont know what to do with the card
Product: Debt collection

Not enough information to verify debt, amount of debt, Did not receive no form of paper work or amount of debt via mail when asked. Company was provided all financial upon request and after I was told I would pay {$43.00} a month so I said XXXX, I gave them the XXXX then then they said later they want XXXX a month, I still have not received any paperwork only phone calls daily. the company is Action financial services, llc
Product: Debt collection

On XXXX XXXX, 2017 AD Astra Recovery Services , Inc contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX, which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged XXXX XXXX creditor and I received communications from AD Astra Recovery Services , Inc. without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.
Product: Credit card or prepaid card

I attempted to first close my Citi Bank credit card online and was not able to do so. I kept getting the message to contact us. This is usually an attempt to high pressure you into keeping the card. I am no longer interested and keeping the card I wanted it to state closed as XXXX by customer on my credit report. My first call to an female rep. is where she hung up on me pretending to have a bad connection or something. I hung up and called again. This time I got an male, I explained I would like to close my account. He than went into a song and dance, he needed this and that. Asking the name of my pet! I do not have a pet all this I guess, for security reasons. I have never been through anything of this nature trying to close an account in good standing. In my heart of hearts, I believe it was a build up to pressure me to keep the card. I would like help in closing the credit card and I really do not care to deal with these people again. i will pay the balance off as fast as possible. Thank you for you help.
Product: Credit reporting or other personal consumer reports

I have recently noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, and now I am seeing an account on my report that I have no connection to. Following Experians guidance, I filed an FTC Identity Theft Report and submitted it along with all necessary documentation. Despite these efforts, this fraudulent account remains on my report, which is completely unacceptable. 

Additionally, I am also submitting this complaint regarding an inaccurate and unauthorized collection account being reported on my credit file by Experian. I had previously requested that the debt collector responsible for this account cease all communications with me, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which legally requires debt collectors to stop all forms of contact upon receiving a cease-and-desist request. However, despite this, the debt collector continues to report the account to the credit bureaus, which is a direct violation of my rights and is negatively affecting my credit score and financial stability. Furthermore, this reporting violates the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and remains on my credit report even after my formal dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

For 3 months unbeknownst to me someone was taking money out of my business account. The total of {$6500.00} I noticed it on XX/XX/XXXX. Because I didnt report it sooner, they only refunded {$1300.00}. They have repeatedly refused to return the money. The businesses were not real businesses and I was never alerted to these withdrawals. This was from XXXX through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD 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 XXXXXXXX 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 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been unable to transfer my money in my Venmo account or use them with my Venmo debit card nothing for a month now which the money has been in my Venmo account since XX/XX/2023. Then last month Venmo suspended my account for whatever reason and requested that I submit my driver 's license and a selfie holding my driver 's license to verify my identity which I immediately did that. A few days later they sent me an email saying that they successfully verified my identity and told me to change my password and my account was unsuspended. But ever since I have not been able to transfer my money from my business account to my personal account which are both linked anyway, unable to use my money with my venmo debit card, unable to transfer instantly to a credit/debit card and unable to transfer either instantly or manually to a bank account. Which I have contacted Venmo regarding this SEVERAL TIMES via email, chat and phone but to no avail no solution no nothing still unable to transfer my money or do anything.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a two part compliant. 
One ; during the shutdown, Freedom Mortgage, CEO & President sent out an email advising me that due to the pandemic any late fees incurred during said month would be waived. However, none of these have been waived. 
The only income my husband & I receive is from his employment & my business. Well as you know, 2020 has been a year of lack. So during the shutdown, we did not receive any income what so ever. For 6 weeks we had XXXX money coming in. Unemployment finally came but not until sometime in XXXX & we are still waiting on the remaining. And this was only to supplement my husbands income. We still had to pay our Business Bills on top of our home. 
We also did not receive the " Stimulus '' money like everyone else. We didn't get it until a few weeks ago. So a Hardship is defiantly an understatement. 
I have called many times & requested these late fees be removed as I was told they would before they were incurred. 
Still No One Ever Removes them. 
TWO- Freedom Mortgage did an escrow analysis in XX/XX/2020, using incorrect numbers. This caused a great increase in my mortgage payment. I called and argued many times. I explained they were using figures based on homeowners insurance I no longer had ( I got a cheaper rate ) & Taxes that had been appealed. 
Freedom Would Not budge. So I waited until after they paid my HOI & Taxes, having a very substantial amount left in my escrow, I called them again, & Requested YET another escrow analysis. I stressed that I need this money, I am struggling to keep my business going & my home. I was advised it would be available in 10 days -2 weeks. Well no one ever contacted me, and today when I called, I was advised I would not be given the analysis, " Just Because ''. Nearly {$1000.00} in my escrow account, MY MONEY, I need it & they will not give it back. There is no reason to keep OVERCHARGING me, when I am struggling. I don't want to refinance my home. I want my money, I want you to stop overcharging me. I want you to pay me interest on my money, just like you charge me. 

Freedom Mortgage is not honoring what they say.
Product: Mortgage

Bank of America keeps telling lies. Every XXXX supervisor are always in meetings. They have been in meetings since XXXX. Where are my permanent modification papers? there were due in XXXX. It does not take this long for a new system to rollout and new papers to be printed,
Product: Credit reporting

I Recently Checked My Credit Report And It Stated That All of My Inquiries Were Deleted. Today XXXX/XXXX/2017 I Logged On and They Reappeared. I Also Noticed That My Credit Score Is A Little Lower Because of This Issue.
Product: Mortgage

My current mortgage payment is XXXX a month which includes putting money in to escrow. When I closed on my house we had closing costs and that should have covered this year towards insurance and taxes. Now my mortgage company is saying there is a shortage in my escrow and they are moving my payment up to XXXX. My insurance and property tax appear to be the same so this means my mortgage company never quoted me right and we bought the house know we could only afford XXXX a month for a mortgage.