23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Mortgage

I applied for a new mortgage with C2 Financial Corporation. C2 brokered my loan application to XXXX XXXX XXXX XXXX. C2 continuously sent me incorrect closing disclosures and wanted me to sign them, but I refused until I saw a disclosure that was correct. The biggest issue was with the underwriting process. One of my employees forwarded me an email that she had received from XXXX XXXX XXXX to verify my employment on XX/XX/19. I was shocked that she would have receive such an email as she works in my marketing department. When I told her to delete it and not respond, she received another one the next day ( XX/XX/19 ). When I realized what it was, I asked for the correct person in payroll to complete. In the meantime, I let my broker and his processor know of the error and gave them the correct person to contact for payroll verification. They never reached out to me to ask who was the correct person to contact to verify payroll. When I forwarded the email to my broker and asked why a person in marketing would be asked to verify my payroll, he responded with " Im not sure but will look into and find out for you ''. He also copied the processor on his response. As I questioned as to how and why they got the individuals name in marketing and to change to the correct person, I received this response, " Ive had them update the information in the system. Ill see what I can find out about how they picked xxxx. Even on your website, xxxx is listed as a marketing person ''. In addition, I had him call my office and speak to the office manager to see who she would direct him to, it was the payroll department. I had assumed that the woman in marketing was removed and the correct person was added. Once my personal information and 3 years of salary information was verified, XXXX sent all that information back to the woman in marketing. This was after I had verification from C2 and the underwriter that they changed the contact. I received this communication from my broker on XX/XX/19, no response since. " FYI, I have been in communication with XXXX  and I expect that we will be hearing back from them tomorrow regarding the verification of employment situation. This has now been elevated to a director status there ''. This breach of personal and financial information caused a tremendous of unnecessary stress for me and my company as now my personal and financial information was in someones hands that should not have had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer and In accordance with the Fair Credit Reporting Act the following accounts have violated my rights ; 15 U.S.C. 1681 section 602A states I have the right to Privacy, 15 U.S.C. 1681 604A section 2 states a Consumer Reporting Agency CAN NOT FURNISH a account without my WRITTEN consent. Federal law Overrides any company policy. 
Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and was sent into a deep depression when I saw negative accounts and inquiries being wrongly reported on my credit report. This depression is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.
Product: Checking or savings account

I XXXX XXXX purchased an irrevocable letter of credit on XX/XX/XXXX for my business. The letter of credit expired on XX/XX/XXXX at XXXX XXXX. Capital One bank failed to return the money to me. Upon requesting the money, Capital One bank claims they dont know where the money is and the account is no longer open. The letter of credit number is XXXX. I had to give Capital One {$250000.00} to issue this irrevocable letter of credit. Once the letter of credit expired, and the beneficiary did not renew it, it was supposed to be returned back to me, and it never was. Capital One has stolen my money and refuses to give it back. They claim they dont know where it is.
Product: Money transfer, virtual currency, or money service

I accidentally filed wrong claim for this transaction. 

Transaction ID : XXXX Transaction date : XXXX XXXX Transaction amount : {$120.00} USD Recipient email : XXXX I did not receive item for this transaction and I'd like PayPal to reopen this case. I talked to the merchant and apparently he/she does not want to ship the item because his/her PayPal account was limited and unable to withdraw the funds.
Product: Debt collection

I deposited XXXX XXXX  XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.
Product: Credit card or prepaid card

American Express continues to deceive and switch/bait. 

Company Customer Service ( this time a person named XXXX ) continues to ask but not resolve issues and not return calls & follow up. 

This is clearly an indication of the racket they know and have as it relates to their false advertising and bait & switch tactics. 

American Express has systemic bait & switch systems in place that advertise benefits and then refuses to provide their customers. 

Their software is not aligned with their advertisements. It refuses to give American Express consumers & small business benefits promised. 

Management knows this and continues to attempt to steal from their own customers by saving on costs by rejecting legitimate claims all the while continuing to deceive ( falsely advertise ) and encouraging them to sign up for their expensive cards. 

Its an systemic racket being run internally at American Express. Even their customer service teams can not correct as its baked into their software. Seems very corrupt. 

Strongly recommend a XXXX investigation here given the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers. 

I called XXXX XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
XXXX and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

I submitted a dispute with experian I also have a membership. 
I tried to dispute using my log in. It tells me to call. 
Somehow when I call Experian I am somehow rerouted in every way and hung up on. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website http : XXXX which is very strange because in my last complaint they had another website https : XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. This is Fraud. 
I'm pretty sure XXXX does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove negative information even after I sent them a signed Identity Theft Report by law enforcement. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX. They are saying the information was verified by Address Identification number XXXX but that address Identification number isn't on my credit report. They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. The mail receipt and return receipt are attached. These are the accounts in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts.
Product: Credit reporting

I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of XXXXXXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.
Product: Credit card

Last month In XXXX I made a payment of XXXX a late fee was charged for XXXX when I made a payment on time it never processed so I was charged a late fee. This month my payment was due on XX/XX/24 instead of my usual XXXX due payment. It suddenly went up to me owing XXXX for no apparent reason. This credit account is closed and has not been used so there is no reason I should owe more than the required XXXX. Today XX/XX/24 I went in to make sure my payment posted that I paid yesterday and it did not. So I had to pay the XXXX today and next month I will be charged another late fee on top of whatever other fees XXXX decides to tact on. This is not right that I keep getting charged all these fees on a closed account. This is fraud. And I am keeping a paper trail cause I am obtaining an attorney. And the first step I was advised was to report this to you guys.
Product: Vehicle loan or lease

I have been contacting Kia since the beginning of XXXX that I have lost my job and I am struggling to keep up with payments I asked for a deferral and I was denied because they stated I havent made enough payments to qualify for a deferral I then continued to struggle to make the payments because I can not be out of vehicle because I have XXXX children. In XXXX I contacted Kia and spoke with a representative that escalated the call to a supervisor who advised me if I made one full payment I will be eligible for a deferral. I made the payment and called back in XXXX and they submitted the request for a deferral and it was denied. I wasnt able to pay because Im on the verge of being XXXX so I continued to try and try they contacted me in XXXX and stated that if I didnt make a payment today my car will be repossessed I only had XXXX dollars and they stated that wouldnt stop it had to be XXXX and if I made the payment I would be able to submit the deferral for 2 months so I called around got this money and went ahead and got it paid the following the day and asked the representative on the phone would I be able to do the deferment now and they stated no the payment has to be fully processed before they are able to do this. These calls are recorded and this is stated every time you speak to someone. Kia has not worked with me Ive lost my job because I was XXXX with XXXX  and now Im playing catch up and this company has been giving me the run around. I will be reporting this to the attorney general as well something needs to be done its no way possible that they consider this ma ethical way of dealing with business
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. 
XXXX XXXX # XXXX ; XXXX XXXX Bank # 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 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: Money transfer, virtual currency, or money service

When I attempted to log in to my Coinbase account on XX/XX/2021 at XXXXXXXX XXXX  EST, I received a XXXX message through XXXX on my phone. I received this message and input the code. I was then taken to a " New Device Confirmation '' page. This was not unusual, since I had been directed to this page before, even while signing in on a recognized device. I checked my email, and at XXXX, I had received an email response for New Device Confirmation. 
I followed the instructions in this email. but when I input the link in the Confirmation page on Coinbase, I was redirected to a page saying that my XXXX settings had been changed. I did not authorize this change. I then received an email at XXXX confirming that these settings had been changed. 
I logged in to my Coinbase account using my normal account name and password, and again was able to receive the XXXX XXXX  message on my phone. However, when I accessed the account, I noticed that my prior account balance of {$1900.00} had dropped to {$0.00}. I then received notice from my email that two separate transactions had been made : one at XXXX for a transfer of XXXX XXXX ( {$1900.00} USD ) to the wallet address XXXX, and another at XXXX for XXXX BTC ( {$6.00} USD ) to the wallet address XXXX. Neither of these transactions were initiated or authorized by me, and neither of these addresses are addresses I recognize or own. My account was compromised, despite me taking all precautions with XXXX, and I have lost all of the money that was stored in my account. 
Every email I received was from a legitimate Coinbase email address, and all procedures I performed were on the Coinbase website. What I want to know is this : how and when will I be refunded for the {$1900.00} that was taken from my account? Please get this corrected ASAP or I will be contacting the Consumer Financial Protection Bureau to lodge a formal complaint against Coinbase for this unauthorized transfer of my account funds.
Product: Credit card

REOPEN THE ACCOUNT ENDING IN XXXX. XXXX XXXX form dated XX/XX/23 which is located in their SEC filing states XXXX Card Services business may securitize originated credit card loans, primarily through the XXXX XXXX XXXX ( the Trust ). The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. Chase Bank has securitized my originated credit card loan and refuses to reopen the account that is current and still being monetized by securitizing the asset back security/receivable. I rescind/revoke any security interest Chase Bank has in the account and XXXX, XXXX assumes all titles, rights, and interest in the account for XXXX XXXX. If the account is not reopened within XXXX business days I will perform an audit on the account to locate the XXXX number to confirm the securitization trail of the account. I will also escalate this matter to the SEC for securities fraud since I provided a security to Chase Bank that is still being traded on the secondary market and I the consumer have not received equal consideration or value for providing the security. I AM AN INVESTOR since I provided Chase with a RECEIVALBE/SECUIRTY. In the card-member agreement I was never informed my credit card loan would be receivable/security for XXXX and be securitized and sold on the secondary market. The omission of this information is blatant contract and securities fraud. Once again, I will be forced to submit a complaint to the SEC FOR SECURITIES FRAUD if the account is not REOPENED WITHIN XXXX BUSINESS DAYS. Thank you for all your help to resolve this matter. If there any questions, please do not hesitate to contact me at XXXX or XXXX.