23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery has violated my Federally Protected Rights under the FDCPA. I sent Portfolio correspondence to cease communication and they failed to comply with federal law. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I am aware you using my consumer report with Extortionate means to swindle me into paying an alleged debt. I have now put you on Notice to XXXX XXXX from me from all mediums as stated in attachment. The FTC rule XXXX. XXXX prohibits creditors and sellers from selling and purchasing consumers credit contract which is unfair and deceptive practice to collect on a contract you are not the holder of. You are not collecting on behalf of your client you are collecting on behalf of your debt collection business and will be held accountable in Federal Court.
Product: Mortgage

From XXXX through XXXX I had a VA loan serviced by Wells Fargo. During the 4 years, Wells escrowed my property tax and hazard insurance payments. In those 4 years, my property tax bill went up 18 % and my hazard insurance went up 20 %.

My Wells escrow went up 81 %! There are 4 reasons this happened : 1- Wells escrowed the hazard insurance even though a H O A master policy made that unnecessary.

2- They paid the hazard insurance 12 months in advance, going into the next year, rather on a monthly schedule, then claimed I was up to 11 months short in my account. 
3- They paid my property taxes a month early before the XXXX and XXXX due dates, then claiming I was a month short in my escrow account each time. 
4- Wells offered to increase my monthly escrow by 1/12th of the shortage to catch up. 
They started this in XXXX, but then reassessed the escrow account in XXXX of the next year, adding another shortage to my balance. In one year the shortage went from {$170.00} to {$970.00}. 
I'm on Social Security and a VA XXXX wage. I have the paperwork. My question is, can they do this legally? It would eventually overtake my ability to pay the loan. 
Thank You, XXXX XXXX XXXX XXXX
Product: Prepaid card

I have been a loyal customer with Rushcard since 2005, NEVER IN MY LIFE HAVE I EXSPERIENCED SUCH APPALLING BEHAVIOR FROM A BUSINESS, I AM OUT {$280.00} DOLLARS I HAVE DORECT DEPOSITED FROM CHILD SUPPORT! AND LOCKED OUT OF MY ACCOUNT! HUNG UP ON WHEN I TRY AND CALL TO ACCESS MY MONEY HOW DO THEY EXPECT PEOPLE TO LIVE DAY TO DAY WITH NO MONEY ... OUR OWN MONEY WE CAN NOT ACCESS ... 10 DAYS I AM IN DIRE STRAIGHTS DUE TO THE INCOMPETENCE OF RUSHCARD, XXXX, XXXX XXXX ... ..GIVE ME MY MONEY
Product: Debt collection

Credit Collection Service has violated my right to privacy, FDCPA, FCRA. 
They have no permission or authority to access my credit information nor were they given written permission by me to furnish any information to my report on anything that allegedly pertains to me. Furthermore no jurisdiction exists for them to even collect on an alleged third party debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX Hard Inquiry- XXXX Capital One- Hard Inquiry- XXXX, XXXX XXXX XXXX Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There are two accounts that is on my credit profile which I do not know about.my information was bought and sold illegally because in a victim of the XXXX XXXX XXXX want these items deleted from my credit report effective immediately, I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach.Please help me delete these illegal accounts from my credit report ( 1 ) Consolidated Recovery Group ( 2 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND A FRAUDULENT CLOSED ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. HERE IS THE ACCOUNT WAS REPORTED TO MY CREDIT REPORT. XXXX XXXX BALANCE {$16000.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/year>. AND ALSO I AM ATTACHING A COPY OF IDENITY THEFT, UTILITY BILL, DRIVER LICENSE ANS SOCIAL SECURITY CARD.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by XXXX Description : I am writing to request an investigation into the mismanagement of my student loans by XXXX and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : 1. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in graduate school at XXXXXXXX XXXX. While in XXXX school, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying XXXX XXXX monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from graduate school, halting my education. 

XXXX. Military Service : I served 7 years in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and Veterans departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

XXXX. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to XXXX XXXX, and now to XXXX ), and I have repeatedly been denied access to my complete loan records. 

4. Impact : These errors have significantly impacted my credit score, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing. 

Request for Resolution : - Investigate XXXX and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call experian to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.
Product: Student loan

Al my student loans have been consolidated into one loan but I have over 30 accounts with with student loans please remove all thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : Complaint Against Capital One Auto Finance for Settlement Agreement Handling I am filing this complaint regarding Capital One Auto Finances handling of a settlement offer for my XXXX XXXX XXXX XXXX XXXX. Capital One offered a settlement of {$25000.00} to satisfy the remaining balance on my auto loan. I accepted this offer verbally on a recorded call, submitted written acceptance via fax to XXXX ( receipt received ), and confirmed through their online feedback form. 

Despite these actions, Capital One refuses to provide written documentation of the settlement unless I make an immediate payment. This requirement for upfront payment before issuing written confirmation may violate Arizonas Statute of Frauds ( A.R.S. 44-101 ), which mandates written agreements for enforceability, and the duty of good faith under A.R.S. 47-1304. Additionally, their refusal to provide a direct email or fax number obstructs my ability to obtain the necessary documentation, potentially violating the Fair Debt Collection Practices Act ( FDCPA ). 

I request that Capital One honor the settlement agreement, provide written confirmation of the terms, and allow my dealer to send the agreed balance of {$25000.00}. This will ensure that the settlement is resolved fairly and according to the terms discussed. 

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

I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise
Product: Debt collection

After a phone conversation, with IQ DATA International on or about XX/XX/XXXX, I mailed them a letter stating I disputed the debt and asked for debt validation. As a consumer, I have the right to request proof of validation of the debt and IQ Data should have provided me with the original debt or proof of debt and debtor 's name and address. They DID NOT! In my letter, I kindly informed IQ Data that pursuant to FDCPA that I was disputing the debt, and debt collection should stop until the original debt could be validated. Further, I requested that they do not attempt to contact me by phone but in writing again they violated my consumer rights because XXXX XXXX XXXX from their office called on XX/XX/XXXX and left a message on my cell phone. I demand that IQ Data International immediately stop collection actions and withdraw its negative reporting statement. I also demand that they only correspond to me in writing. IQ Data threatened to report this debt to the credit bureaus on the first call I had with XXXX XXXX and before validating the debt. IQ Data reported negative data on me to all 3 credit bureaus on XX/XX/XXXX, and after I disputed the debt. They did not give me proper due process. I am requesting an immediate resolution.
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 XXXX, XXXX XXXX, XXXX XXXXXXXX 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.C1681 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to join XXXX XXXX XXXX and required to pay {$14.00} for credit reports which were never delivered. I was told I had to Pay a fee of {$100.00} monthly if I did not cancel within 2 days. I was to receive a phone call this morning to discuss my program which I never requested, and the firm never returned my call. I sent 2 emails, made 3 attempts to contact the company. after the 2nd attempt. I was connected and then they disconnected the call. On the 3rd phone call I finally talked to a Paralegal named XXXX. after 1 hour they finally agree to cancel my service..

This company uses unethical tactics t join their company and they should be warned not to use such unethical tactics to obtain clients.
Product: Checking or savings account

On XX/XX/2023, I received a phone call from a XXXX XXXX of Frost Bank. Apparently, someone opened a bank account online in my name, using my personal information and details. After speaking with Frost Bank, it was confirmed this was a fraudulent transaction and I did not open an account with them. Frost Bank immediately closed the account, and advised that reach out and report the fraud events.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX XXXX  accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the XXXX  ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), XXXX  REPORT, XXXX  COMPLAINT, XXXX  COMPLAINT, XXXX  XXXX  COMPLAINT, XXXX  XXXX  HANDLES, AND XXXX  COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Payday loan, title loan, or personal loan

I went in on the XX/XX/2019 and paid the loan, signed a piece of paper, got handed a piece of paper and walked out the door.. Now I am trying to get a loan from a real company and I am not able to get it due to {$57.00} that they are claiming I never paid.. Now why am I going to go in there and pay another {$57.00} if I already paid it once.. Yes almost a year later they expect me to still have the receipt and of course I dont so I am being told to go back in and pay again.. What is wrong with this picture and when can I be able to get a loan I really need and what did they clerk do with my money???
Product: Checking or savings account

I lost my phone and wallet on XX/XX/XXXX. After three days my cell phone was returned to my place of work but no wallet was returned. So I called Chase to cancel my card but was unable due to the fact that I did not have my card or account number readily available. I proceeded to go into Chase the next day and report my card stolen and to stop any transactions that had taken place and immediately file a claim. While in the bank and reviewing my statements we found many unauthorized transactions had taken place, numerous withdrawals were made earlier that very day. On XX/XX/XXXXthe unknown party deposited two checks ( # XXXX and # XXXX ) totaling {$5300.00} into my account. Later that day they proceeded to withdraw {$1400.00}. On XX/XX/XXXX they withdraw {$1400.00}, {$500.00} and sent a quick-payment of {$2000.00} with XXXX through my Chase.com account to an individual named XXXX XXXX who I've never met. I then filed an identity theft report with the XXXX XXXX XXXX XXXX XXXX  police department. After weeks of waiting I followed up with Chase to learn that they had denied my claim due to the fact that the party involved had used my pin number to access my account. After about 3-5 separate calls to Chase 's fraud department they told me that there was nothing else they would do about the situation and that I would now have to followup with an outside agency. After asking 3 different representatives of Chases 's fraud department they insisted that they could not even provide me with the name of the agency that I needed to speak with and just keep insisting that I speak with an agency outside of Chase bank. I thought this to be horribly unprofessional as I was already in a stressful situation and was just looking for a way to recuperate my losses. I reopened the claim and received a temporary reimbursement. After one week they reversed the money again to make my account negative {$4900.00}.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2019,,, I fell victim to a multilayered scam operation orchestrated by by XXXX XXXX and XXXX XXXX XXXX presented to me as members of XXXX and the XXXX Government, ( the " fraudster ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire, credit card, debit card in the total amount of XXXX USD utilizing Bank of America 's services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Va XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear, XXXX, Transunion and XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding iteims listed on my consumer credit report : It has been over 30 days from the first letter was sent to XXXX, Transunion and XXXX send on XX/XX/XXXX. I have been ignoired and the Hard inquires have not been removed. 

Hard inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX  needs to be removed not authorized by me XXXX  XX/XX/XXXXXXXX  needs to be removed not authorized by me Transunion XXXX XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX XXXX Inquired on XXXX XXXX, XXXX  needs to be removed not authorized by me XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX US DEPARTMENT OF EDU Inquired on XXXX XXXX, XXXX  need to be removed not authorized by me As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX/XXXX/XXXX  SSN : XXXX