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

Fraudulent collection accounts XXXX XXXX Opened XX/XX/XXXX {$0.00} Fraudulent unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 

My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Again, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One and XXXX XXXX XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974. These violations pertain to their mishandling of my personal financial data, improper reporting practices, and disregard for my rights to privacy and financial autonomy. 

1. Violations of FCRA ( 15 U.S.C. 6801-6805 ) : Under the FCRA financial institutions are required to safeguard consumer information and provide clear opt-out rights regarding the sharing of sensitive data. Capital One and XXXX XXXX failed to : Provide me with adequate notice and an opportunity to opt out of sharing my data for promotional or transactional purposes. 

Illegally report transaction history to consumer reporting agencies without my consent, violating my rights under the FCRA and 16 CFR 313.2. Violations of 16 CFR 433.1 and 433.2 ( Preservation of Consumers ' Claims and Defenses ) : Capital Ones utilization of my financial information appears to contravene federal requirements to maintain fair and transparent practices in consumer credit. Specifically : They reported transaction histories, despite the limitations imposed by federal regulations. 

Their practices do not reflect the standard of care expected under 16 CFR 433.1 and 433.2, which mandate the preservation of consumers ' claims and defenses. 

3. Violation of Privacy Rights Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Capital One and XXXX XXXX XXXX ' practices have infringed upon my privacy rights as outlined in the Privacy Act of 1974 by : Sharing or using my personal financial data without explicit authorization. 

Failing to adequately secure sensitive personal information, thereby exposing me to potential identity theft and unauthorized usage. 

5. Negative Impact on Creditworthiness and Financial Stability : These violations have significantly damaged my creditworthiness, reducing my ability to access credit and hindering my financial autonomy. The illegal and unauthorized reporting of my transaction history and derogatory marks have resulted in higher interest rates, denial of credit applications, and an inability to secure financial products vital for everyday operations. As a federally protected consumer, I have been unjustly burdened by these actions, which undermine my legal rights and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to bb & t many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to XXXX stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.
Product: Mortgage

Ocwen enrolled us in a forbearance type modification program without reason or our with our approval. 
In XXXX, our mortgage company ( Indy Mac ) granted us a loan modification. Our interest rate was set at 2 % for the first five years. Before the first five years was up, our loan was transferred to Ocwen Loan Servicing , LLC . We were informed of the changes, and continued with our mortgage payments to Ocwen. As the end of the five years approached we received several letters from Ocwen informing us of our increased payment. Our mortgage interest, as agreed to and signed off with Indy Mac, was to increase to 3.0 % XXXX XXXX, XXXX. Another increase to 4.0 % is scheduled to occur on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the final interest increase would go to 4.75 % and remain there until our mortgage loan was paid in full in XXXX. On or about XXXX XXXX, XXXX, we were contacted by our current mortgage holder, Ocwen, and asked if our interest increase would pose a hardship. They offered to send paper work for us to submit for a HAMP modification. Several days later we received that paperwork. We filled out the forms for a HAMP modification and submitted the completed forms to Ocwen, as requested by them. On XXXX XXXX, XXXX Ocwen prepared and mailed documents to us informing us they had received our " loss mitigation application ''. The documents clearly state, " after careful review of the information we provided, Ocwen is not able to offer a HAMP modification. On XXXX XXXX, XXXX, Ocwen also prepared and sent to us documents indicating that they were offering us an opportunity to enter into a Trial Period Plan for a mortgage modification. Upon receiving these documents, we promptly called Ocwen to ask questions about our concerns regarding their modification agreement terms. We were informed that the modification agreement was an extended payment plan of 40 years at 3.0 % interest. We immediately informed Ocwen that we, under no circumstances, were interested in extending our loan to a 40 year payoff nor participating with their offer. The next day we phoned Ocwen and spoke with a representative. We made it clear that we were not interested in their modification offer, and we would continue with our scheduled payments. We were informed that our denial of acceptance needed to be in writing. We wrote the denial letter and faxed it to Ocwen on XXXX XXXX. We called Ocwen on XXXX XXXX, XXXX to confirm they had received our denial of modification letter. We were told it was received on XXXX XXXX, XXXX. We paid our regularly scheduled XXXX mortgage payment ( interest increased from 2.0 % to 3.0 % ) as laid out in our original loan modification received in XXXX. We recently received our Ocwen mortgage statement for the month of XXXX. This most current statement reads that we have missed our trial modification plan payment, and indicates we are in forbearance. We have never missed or been late on a mortgage payment to Ocwen. The absurdity of Ocwen 's actions are incomprehensible. Please investigate immediately and inform us of the necessary actions we must take to stop this fraud!
Product: Credit card or prepaid card

have been using cash app over a year now my money was deposited directly from my job never had a issued till now with my irs check had a call, text, email to verify my account so i did thinking this was cash app i've emailed several thousands emails to cash app asking for my money with nothing but we do not answer this email address please see attached photos below they stole XXXX dollars from me and i need it back
Product: Debt collection

On XXXX XXXX, 2016 I received a letter from Online Collections dated XXXX XXXX, 2016 demanding payment for an outstanding utility bill owed to the City of XXXX, KY. That letter is attached. I responded that same day by fax and by Certified Mail disputing the validity of the debt AND providing a confirmation number ( XXXX ) showing that the claimed balance of {$69.00} had been paid on account XXXX. 

Despite this dispute and proof of payment, Online Collections placed this account on my XXXX credit report.I subsequently received a letter from Online Collections dated XXXX XXXX, 2016 cancelling the collection AND agreeing to remove the collection account from my credit files. The account was removed, as promised, from my Equifax credit report on XXXX XXXX, 2016. 

Then, it gets complicated. 

Despite the letter dated XXXX XXXX, 2016 cancelling the collection, and despite my timely dispute of the validity of the debt which was never answered, and despite my providing Online Collections proof the full balance due was paid to the original creditor ( City of XXXX, KY ) on XXXX XXXX, 2016 Online Collections added this collection account to my XXXX XXXX XXXX file. I have attached a copy of that credit report page, as well as documentation that this false account caused an immediate XXXX point decline in my credit score. I have since submitted a dispute to XXXX XXXX including proof of payment to City of XXXX, KY and cancellation of debt from Online Collections. I am awaiting resolution.
Product: Checking or savings account

Citibank has withheld my funds. as of XX/XX/XXXX, 2025. they have no resolution to this issue and refused to verify my phone number or exhaust all other verification methods. After visiting the branch and attempting to close my account due to these inconveniences, they have told me there is nothing that they can do and have restricted my account access to my funds. after confirming that they are not able to verify my phone number I was then told that I will receive a phone call to send phone number that they are not able to verify. I am having a very hard time reaching someone who can help any representative that has attempted to help me has not been able to due to a phone number. I have been left with a restricted account no access to my funds and no resolution.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT XXXX XXXX XXXX XXXX XXXX WHY IS THE ACCOUNT REPORTING MORE THAN ONCE? 

ONE WITH A BLANCE OF {$770.00}, {$2200.00}, {$2700.00} AND {$770.00} LOOKS LIKE DUPILICATE ACCOUNTS TO HARM MY CREDIT WORITHENESS. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX - CFPB allows the Safe Harbor act to be violated and are totally useless to protect citizens from banks. You are a complete waste of our tax dollars!!!!
Product: Debt collection

Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment
Product: Debt collection

On XXXX a collection was placed on my credit reports and I did not receive proper notification or verification of alleged debt. All notices have went unanswered. 

Please accept this letter as my formal notice and request for the following items on my credit report to be investigated. 

According t the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify throught the physical verificatin of the original signed consumer contract- any and all accounts you post on a credit report. I am demanding to see Verifiable Prof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if yu are unable to provide me with a copy of verfiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of refinancing my house, my loan company generated a credit report history, whereby the 2 below accounts appeared on the report, and were not recognized by me-nor I have requested to open them. They were fraudulently created with my stolen identity : XXXX Account XXXX XXXX opened XX/XX/2021 ; Balance owed : {$1400.00}. This was opened by someone in the state of IOWA ( I never lived there ). 

XXXX Account # XXXX opened XX/XX/2021 ; Balance owed : {$300.00}. This was open by someone in XXXX, NJ ( I never lived there ). 

Since they are now in " Collection '' Status '', this has caused a very negative impact on my credit score and history. They will need to be removed ASAP, so my loan company can do a rescore to continue with my closing. 

I have also email personal information to both companies to prove my identity, and filed an Identity theft report with the local precinct ( central Complaint # XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear XXXX Loan Servicing, I am writing to formally dispute the validity of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX andXX/XX/XXXX) -related entities. 

Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX andXX/XX/XXXX 


2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared.

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation.

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances.

If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties.

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/year>2025. You may contact me at XXXX or XXXX if you require further details. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a dispute with my credit card for a service I paid for but did not receive. I hired a moving company to transport my belongings from XXXX to XXXX. Per the moving company 's contract this was to take place within 30 days. The moving company did not complete the move ; my belongings were instead taken to XXXX XXXX and I was told I would have to pay a fee to get them back. 
I started the dispute process on this charge, totaling {$1300.00}. The date of the charge was XX/XX/XXXX. I opened the dispute on XX/XX/XXXX. I provided evidence supporting the dispute on XX/XX/XXXX. My response was very thorough and included a copy of the contract given to me by the moving company which promised delivery within 30 days as well as receipts for the moving truck I had to rent to retrieve my belongings, the complaint I filed with DOT, etc. On XX/XX/XXXX I received an email from my credit card company notifying me that my claim was denied with a follow up letter in writing stating that my response for information lacked the information requested. I called the dispute department on XX/XX/XXXX to find out why I would receive such a response. I was told that the validity of my claim was not in question, simply that the merchant denied the chargeback and that my credit card company was no longer able to retrieve the disputed amount. So in contrary to what I was initially told, my response did contain the requested information. My claim was not denied because it was invalid but because my credit card company was not successful in retrieving the disputed amount from the merchant. So because they did not want to be responsible for the amount of the dispute, they rebilled me instead.
Product: Credit card

XX/XX/24 while purchasing airline tickets on XXXX, a Special Offer was made on my computer screen to receive a {$400.00} statement credit on the ticket I was purchasing ( I have a screen shot ). I read the conditions for the statement credit ( I also have a screen shot of this ) and decided to proceed XX/XX/24 I clicked on the offer and completed the credit application for Platinum Select Citi Card XX/XX/24 I was approved and given a temporary digital card which I used to complete the ticket purchase ( I have a receipt ) I then waited the required XXXX weeks for a statement credit to be given on my new account The statement falling within the XXXX weeks waiting period closed on XX/XX/24 When I received that statement, I contacted customer service on XX/XX/24 and spoke with XXXX. She advised me to email XXXX XX/XX/24 I emailed XXXX from my personal email explaining I had been offered the special statement credit while applying for a NEW card XX/XX/24 I had not received a response to my email, so I followed up with a second request XX/XX/24 I still had received no response to my email, so I called customer service again. XXXX advised me that they have XXXX BUSINESS DAYS to respond to my email XX/XX/24 I received a letter dated XX/XX/24 and post marked XX/XX/24 ( which XXXX knew nothing about ) denying the {$400.00} new account offer to be applied to my EXISTING account I only opened the account because of the offer and I have no other existing accounts with Citi. 
XX/XX/24 after receiving the letter, I called the number given in the letter to receive further assistance as instructed and spoke with XXXX. He advised that new account inquiries need to be submitted within 90 days. At the 90 day point, I was waiting for the required XXXX weeks to receive the statement credit as explained above. He offered to transfer me to a supervisor and I then spoke with XXXX. She advised she could not help and that I needed to start the process all over by emailing the same email as before. 
XX/XX/24 - I received a second letter denying to honor the offer saying it was a generic online offer and I was not solicited for it. My screen shot says differently. 

To advertise a promotional statement credit and then not honor the promotion is fraudulent and misleading. Consumers should beware.