23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This bank has very poor security. Anyone can call in with someones DOB and Last-4-SSN and receive basic account information ( balances and joint holders ). I requested that I wanted to add a verbal password/passphrase and/or PIN to the account so that this information is more secure and they refused. 

As you know DOB/Last-4-SSN is widely available to a lot of people, especially on the dark web. 

This is very bad practice, I do not recommend banking with Capital One, Capital One 360 until this security flaw is fixed.
Product: Credit reporting or other personal consumer reports

I am writing this request to FRD MOTOR CR that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Checking or savings account

On XX/XX/year> I received a XXXX figure wire into my business account ( $ XXXX ). The next day it was no longer listed as pending, so I submitted a transfer request online to move most of it to my personal account ( Balance approx {$1100.00} ). Within the hour both accounts had been frozen. Having been on the phone XXXX minutes, I was finally told that any direct deposits and autopay situations must be moved to another bank because these accounts would be under review for XXXX business days and then permanently closed. I was denied a reason for this action. Further, I am a widow with rent due and have no other resources. Chase continues to speak with me about this matter. The branch XXXX ( XXXX ) in XXXX sat with me on Friday, XX/XX/year>, and made several calls to ask about this matter. He received no answers either. XXXX requested a call to me from the corporate office to expedite the resolution of the matter that day. To date I have not received such call. Chase Bank is holding approximately $ XXXX of my money and giving me no answers. Someone along the way told XXXX I might expect a check in the mail by XX/XX/XXXX. 
Yesterday I sold my nice car to pay rent on time, as I have no other resources.
Product: Credit card or prepaid card

I have had Capital One Credit card for over a year and half, I have never been last, never had a return fee, always used same bank and account number to pay. As we are in this pandemic and Rhode Island has been on a lock down we where advised to use a credit card and have food delivered to pur house, so therefore we have been making payments alot to this card. But they will hold my money for 8 days because there saying it is a security which I do understand but after explaining and having them do a three way conference call with my bank, they still dont care!!!!! How is this fear? We are paying them, we pay 24 % interst on this card and they hold my money? Even though my bank has confirmed it was released??? Or you talk to another customer service member and they say o sorry we cant call your bank, you have to wait 8 days! To me this is aweful! There liers and they make up rules as they go. This should be considered fraud!
Product: Mortgage

Occ # XXXX PUBLISHED XX/XX/XXXX XXXX XXXX XXXX  I just discovered another listing of XXXX XXXX XXXX in my files on XXXX dated XX/XX/XXXX stating the property is owned by XXXX XXXX XXXX. 
( I've never done any business with XXXX XXXX XXXX  ) and would like some answers. 

At the top it gives the same listing property id XXXX that XXXX XXXX had on his purchase agreement that he presented to XXXX XXXX XXXX court time stamped XX/XX/XXXX @ XXXX claiming he bought the house for XXXX, and that I am absolutely sure was conducted in his handwriting. 

I notice at the top is XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX cell or XXXX XXXX XXXX I have never had any dealings with XXXX XXXX XXXX XXXX   XXXX XXXX listed and would like to know how they came into the picture. 
Please explain to the cfpb for me in writing.
Product: Vehicle loan or lease

I would like to reopen a previous case because the issue is not resolved. 

Complaint IDXXXX I am writing in response to your recent communication regarding the lien status on my XXXX XXXX XXXX XXXX, associated with loan account ending in XXXX. I appreciate your attention to this matter but must express my continued frustration with the lack of resolution. To summarize, your correspondence indicated that despite my XXXX  XXXX Bankruptcy discharge on XX/XX/XXXX, Navy Federal retains a lien on the vehicle. However, I have been repeatedly informed by multiple Navy Federal representatives, both verbally and in writing, that no lien exists and that Navy Federal has no interest in retrieving the vehicle. Given this conflicting information, I require a clear and definitive resolution. Specifically, I request one of the following actions : Provide a Lien Release : If Navy Federal indeed has no lien on the vehicle, please provide a formal lien release document. This will enable me to clear the vehicle 's title and move forward without further issue. Provide a Letter of Non-Interest : If Navy Federal has no remaining interest or claim on the vehicle, a letter of non-interest should be issued to confirm this status officially. Arrange for Vehicle Retrieval : If, contrary to the repeated statements, Navy Federal does retain a lien and has an interest in the vehicle, please arrange for its prompt retrieval. I have invested considerable time and effort, including taking time off work, to resolve this issue through numerous phone calls and in-person visits, all documented in my phone records and correspondence. Despite being given a contact number, the assistance provided has been inadequate and has not led to a resolution. Given the significant inconvenience and stress this situation has caused, I urge you to take immediate action to rectify this matter. Please provide the requested documentation or arrange for the vehicle retrieval without further delay. I look forward to your prompt and definitive response. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have been a loyal customer of Sears Master Card ( Citibank Retail ). I asked for assistance due to Corvid-19 and was denied assistance. I attached the letter indicating I am on a payment plan of $ XXXX  monthly so therefore not eligible for Corvid-19 assistance, which is absurd. I am currently and have been continuously in an out of the hospital due to XXXX XXXX XXXX XXXX in which my XXXX XXXX  is under the review of my XXXX ( Medical Team ) who are trying to figure out my best options in regards to my health. I, like billions of people were heavily impacted by Covid-19. I  required assistance in which they denied me. Citibank forced me into a payment plan of $ XXXX monthly because I informed them I did not have the massive amounts for monthly payments they were requesting because of fraudulent charges, non-authorized bogus payments and additionally the fees they assessed ( reversed payments ), over the limit and fraudulent, unauthorized charge in which they held me liable for that I was clueless to. The company refused to review that the bogus payments which were not the account in which I loyally made my payments from. Also, they would not implement their 0 liability or unauthorized charges ( fraud ). Plus they closed the account because of these things which were not my fault but yet holding me liable
Product: Credit card

Oportun Credit Card states opened a card in XX/XX/2022 and it wasn't paid on since XXXX of XXXX  and has been negative since and they say I now owe {$1800.00}. I have no recollection of this card. It is a fraudulent card. When I call Oportun they can't even find any information of me in their system. One of my ticket numbers they have provided me with is XXXX. I have filed Disputes to get this off my credit because it is not my credit card and I shouldn't have to pay for something that isn't mine and they can't even find me in their system.
Product: Mortgage

i fell slightly behind the the Mortgage company Loan care started returning my payments and refusing to accept payments to this date Im due XXXX to this date they returned XXXX in payments I asked them how much is due to fix this said said I cant fix it i need to contact an attorney and pay over the amount I owe on my loan to cover attorney fees. I did not contact the attorney, I'll contact HUD or my own attorney I have the money to pay them but they will not accept it
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRES ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Addresses ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX In addition, I would like to draw your attention to 15 USC 1681c-2, which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number for this matter ( XXXX )
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request removal of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed account details : Account number : XXXX Creditor name : XXXXXXXX XXXX XXXXXXXX Incorrect information identified on reports from all three credit bureaus. 
Legal basis for removal of information : Right to accurate information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be verified manually with the original creditor, rather than relying on the automated XXXX system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a complete reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : Under the FCRA, if information can not be verified, it must be removed from the report.

Liability of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditor 's failure to validate this information warrants its deletion.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to comply with required accuracy procedures.

Permitted Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that the access to my report was legitimate. If it was not, I request deletion of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : Cortez v. Trans Union, LLC ( 617 F.3d 688 ) emphasizes the credit bureaus ' responsibility to properly investigate consumer disputes. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Im a victim of identity theft. Someone used my information to get medical care. XXXX XXXX XXXX was deleted from my account was removed from my account on XX/XX/XXXX. Due to it being fraudulent. It was with XXXX XXXX. Now it has reappeared with XXXX, This account is fraudulent. XXXX or XXXX XXXX Didnt give me a 5 day written notice, which is a violation of the FCRA. These accounts are fraudulent, Ive never done business with this company or entered into a signed contract with these companies 1. XXXX XXXX {$500.00} 2. XXXX XXXX {$500.00} 3. XXXX XXXX {$810.00} ( XXXX XXXX XXXX ) Which was deleted already!! 

The following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following names XXXX XXXX XXXX, XXXX XXXX The following employers XXXX XXXX The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All items listed are a result of fraudulent acts. None of this stuff belongs to me.
Product: Debt collection

I, XXXX XXXX, Do NOT give Discover Bank my lawful authority to furnish my nonpublic personal information and Discover Bank shall be fined under the Gramm-Leach-Bliley Act for noncompliance and not comply with the rules according to the Act, which in fact in {$100000.00} ( Per Violation ). I am demanding Discover Bank to stop furnishing my nonpublic information I revoke any consent as of XX/XX/2022, and Discover Bank shall be criminally held accountable.
Product: Credit card or prepaid card

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXXXXXX Children 's Place and Victoria Secret Credit Cards. 

With Victoria Secret they changed my billing address to their own.
Product: Credit reporting or other personal consumer reports

Per the IRS, a lender ( Wells Fargo ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed or collected by the lender. Not only has Wells Fargo failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balance owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and addresses be blocked and deleted from my credit report. I am a victim of a recent data breach, and as a result, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and personal information removed from my credit file. 
The following charged-off accounts should be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$5600.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$16000.00} Additionally, the following addresses are associated with fraudulent activity and should be removed from my credit file : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I have not been receiving bills or any communication from Aidvantage, despite payments restarting in XXXX. I have spoken with 4 or 5 Aidvantage employees over the last 3 months and all have told me to expect paper bills in the mail because that was what my account was set to, but I have not received them. Because of this, either Aidvantage or the Department of Education placed me in an administrative forbearance from XXXX through XXXX with my first payment due in XXXX. During this time, I was told that no payments would be due. 

On XX/XX/XXXX, I received an email from Aidvantage stating my loans terms had changed and that my first payment in the amount of {$95.00} was due on XXXX That email is attached to this complaint. 

On XX/XX/XXXX, I called and spoke with XXXX XXXX at XXXX. That call was disconnected unexpectedly, so I called back and spoke with XXXX XXXX at around XXXXXXXX XXXX XXXXXXXX confirmed that I " should '' be receiving paper bills in the mail, but she had no clue why I wasn't receiving them. She said that I should not be receiving any email communications because my account was not set up for it. She also confirmed that I had been in an administrative forbearance that was ending in XXXX and she confirmed my first bill in the amount of {$95.00} was due by XX/XX/XXXX 

On XX/XX/XXXX, I received an email statement from Aidvantage in the amount of {$190.00} due on XX/XX/. This is twice my monthly bill amount. I logged on an saw that my account currently shows a past due amount of {$95.00} in addition to the regular monthly payment of {$95.00}. I have attached this erroneous email to this complaint. 

It is not possible for me to have a past due amount - someone placed me in an administrative forbearance from XXXX during which time no payments were due. I confirmed this on or around XX/XX/XXXX when I logged in and it showed {$0.00} due by XX/XX/. I have also not received any bills and several Aidvantage employees, including my most recent conversation with XXXX XXXX, said that I would receive a bill before my first payment was due in XXXX.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX  this VITAL role pursuant too 15 USC 1681 ( a ) ( XXXX ). Also, Experian, transition, XXXX failed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION,