23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Left a VM. My husband called them back. They never disclosed that they were a debt collector but rather asked my husband to verify the last 4 of my social or DOB. He gave them my DOB. Gentleman went on to say that a complaint was filed with the XXXX court ( there's no complaint at the XXXX court ) and that this could be resolved quickly over the phone or they'd take further collection action ... implying filing a law suit. He claimed that I owed a debt to XXXX XXXX XXXX XXXXXXXX for a line of credit. I haven't had a line of credit for over 10 years anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name - XXXX XXXX  XXXX XXXX XXXX -ACCT # XXXX ; Acct name : Dept of Education/XXXX Acct # XXXX ; Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX Ref # XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years, 15 USC 1681a-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: Student loan

I sent CFPB a complaint on X/X/17 stating that I did not agree to cosign a student loan for my granddaughter. Sallie Mae responded X/XX/17 stating that they could not provide a call recording because it is proprietary information. They attached the Application, Promissory Note and Final Disclosure.
On the promissory note, page 4 it states " Your signature on this Note is binding ... '' The Note is 7 pages and there are no signatures on any of the 7 pages, nor are there any signatures on the Final Disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. XXXX XXXX | XXXX XXXX | XXXX | Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, there are multiple US Code has been violated by this reporting, 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 15 USC 1681a- ( e ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''
Product: Credit card

My credit cards has been cancelled by Capital One. I have XXXX different accounts with Capital One. Upon learning that my cards were cancelled I immediately contacted them to find out why. XXXX card I understood their decision. As for the second card, I have had the account for 4 years, 11 months. I have NEVER been late. Last month a fraud issue effected my bank account. My bank account ended up being overdrawn as a result until it was investigated. At that time, I was unable to reverse the payments I set up because they were already processed through Capital One.This caused the payment I sent to Capital One to be returned unpaid. This was the first time I had a payment returned on this account. As a result of the returned payment they closed the account. When I asked the fraud department, whos name was XXXX ( employee ID XXXX ) she said even though this is the first returned payment on this account, my checking account was also used to pay a payment on another credit card that was also returned, so the investigator closed both accounts. Is this really legal?? How does the status on XXXX account affect the other when they are totally unrelated? Why would a company close a account that has never been late with its first return payment almost 5 years after it was opened? I read the Credit card agreement from Capital One and read the Credit Card Act signed by Obama and it does state anywhere that XXXX account will be closed based on the status of another account. I find this to be illegal. This has jeopardized my credit reports which is now going to keep me from buying a home after saving and working so hard to be in a financial situation to buy a home for my children.
Product: Debt collection

I have 100 % payback rate on my credit score. I have never missed a car payment for XXXX years and had exactly one year left to complete full payment on a car. Then car was damaged in accident and I could not get help or afford the repairs. I called lean holder to report forfeiture of my car and then discontinued payments. The lean holder promised to sell car at auction and allow money to go towards my debt and I would be informed. After accident I had the car appraised at about {$1800.00} and it was in very good condition. 
I received no communication until they sold loan to a debt collector with additional higher interest added. I have spoken to office of lean holder and debt collector but neither is willing to negotiate my debt and interest is rapidly increasing. 
I am XXXX and want to fix this debt but with my low income it is too much for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Capital One mailed us a solicitation for a new 1.5 % cashback credit card.We are already customers of Capital One, spending several thousand dollars a month and always paying our bill upon receipt, weeks before the due date. Our FICO score is XXXX. 
They denied us this new card, lying outright on page 1 that " too few revolving accounts have a balance " and contradicting themselves on page 2 " Too Many accounts have balances ''. They also lied about our credit score just so they would not have to pay us the higher cash back.
Product: Credit card or prepaid card

My credit was used in XXXX in XX/XX/2021. I was in the US. The transaction was cash advance for {$3700.00}. I was charged international transaction fee as well as cash advance fee. 
I reported that I did not know about the transaction and that I was not in XXXX. The bank treated it as dispute instead of fraud
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been blocked from uploading documents on the my Equifax dispute website and when I call them they are rude and don't wish to help. Also, transferred me to XXXX Equifax so that I don't rate their service.
Product: Credit card or prepaid card

I was approved for a {$200.00} " Platinum Secured '' credit card from Capital One in XX/XX/2021 to improve my credit. My credit has improved to the point where Capital One approved me for a {$3000.00} unsecured card this month. I called to ask about releasing my deposit and was first told Capital One never converts unsecured cards to secured cards. I was then told that they actually do convert them, but customers can't ask for this, Captial One just does it when they feel like it. This appears to be a scheme by Capital one to hold on to the liquid assets of people looking to improve their credit. XXXX also approved a secured card for me, but they have a clear path lined out towards getting your deposit back. Anyone looking to improve their credit should look to another bank than Capital One because they'll hold on to your money for an indeterminate period of time even when your credit does not indicate a level of risk that would necessitate a secured card.
Product: Credit card

Best Egg - due to faulty financial accounting and arithmetic- is errantly saying I have only {$1.00} in credit limit - when in fact the accounting shows I should have over {$250.00} in credit limit. Best Egg needs to send its employees back to remedial arithmetic classes to help them properly calculate my credit limit.
Product: Vehicle loan or lease

XXXX. On XX/XX/2023, I paid a {$1000.00} deposit for the purchase of a 2023 XXXX XXXX. 
XXXX. On XX/XX/2023, XXXX Honda ( XXXX XXXX XXXX ) obtained my credit report with my consent. 
XXXX. On XX/XX/2023, American Honda Financial obtained my credit report without my consent ; why was the initial credit report obtained not used? 
XXXX. On XX/XX/2023, the vehicle is available for pick up. I completed financial paperwork. At that time, I purchased XXXX insurance ( plus more ) and signed a document that the vehicle is being surrendered in full. At handoff, I noticed that the purchased options were not present. The vehicle was not delivered in full as documented. 
XXXX. On XX/XX/2023, I was notified by XXXX Honda that I MUST recontract due to XXXX insurance being offered in error. I met with XXXX? Finance XXXX and XXXX Representative who advised that I can not keep the XXXX insurance that was sold to me and that I can either recontract with them once XXXX is removed or I can find another entity to refinance me and probably not at the same rate. They also offered to provide me with a check for the equity in my vehicle and acknowledges that my monthly payment will increase. 
XXXX. On XX/XX/2023, American Honda Financial obtained my credit report again without my consent. 
XXXX. Upon review of all related documents, I became aware that XXXX Honda and American Honda Financial Corp contracted the vehicle for a cash price of {$430.00} more than the market value selling price agreed at time of deposit. 
XXXX. XX/XX/2023. CFPB complaint filed. No payment information received from American Honda Financial or XXXX Honda as of this date. Estimated first payment is XXXX 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately : XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Mortgage

Lenderlive XXXX mortgage servicer sent me an escrow refund check in the amount of {$420.00} and I then receive a delinquent tax bill from XXXX XXXX stating the taxes have n't been paid. I contacted Lenderlive and they eventually paid the back taxes ; however, my mortgage payment has now increased 8 % from {$1600.00} to {$1700.00} due to a projected shortfall in the escrow account. Even though I put down 20 % when I purchased my house and would have preferred to pay my own taxes and insurance, I was required by my lender to make these payments into an escrow account. Now I 'm stuck with Lenderlive XXXX who ca n't seem to keep their records straight. If I 'm being held accountable for making my mortgage payments on time, then there should be some sort of repercussions for Lenderlive 's late tax payment and poor record keeping. The increased payment is not the issue. I understand why it 's happening. The issue is that I 'm held to XXXX standard and Lenderlive can apparently do whatever they please.
Product: Checking or savings account

Got a XXXX dollar check on the XXXX, deposited it. Got a notification everything was fine, deposit went through, and after they processed it, they froze the account. I called they told me they had to verify with the account holder of the check, that was fine, I get it. However, after calling their fraud department twice, the first time they told me it was too late to fix it, and they second time they were unable to call her. apparently they can not verify people with some cellphone carriers, in this case its cricket. She called her bank, then she called capital one and they said we just had to be on the phone together. I then tried to call both their numbers, the fraud and customer service number and they blocked my phone. I have contacted the attorney general, filed a complaint with the state of Michigan. I am trying to buy a house and this might cause me to lose that option. Please help me.
Product: Debt collection

I am submitting this complaint regarding LVNV Funding, a debt collection agency that is reporting a debt on my XXXX credit report. I have never conducted business with this company. 
I have contacted LVNV Funding at the phone number ( XXXX ) XXXX listed on my XXXX credit report. 

After providing my name, Social Security number ( last XXXX digits ), and date of birth, the representative stated that there is no account in their database associated with my information. 

Since LVNV Funding has no record of accounts being reported from LVNV Funding, I question the accuracy and legitimacy of these debt being reported on my credit file. 

Fair Credit Reporting Act ( FCRA ) Violation : Under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of credit information are required to report accurate and verifiable data. LVNV Funding has failed to provide any evidence that this debt is legitimate or that I am responsible for it.
Product: Credit card or prepaid card

Well Bank of America took my unemployment benefits off my card and left my balance in the negative ... I have Bill 's and I'm a single mom with XXXX kids and lost my job during the beginning of cod-vid 19.. my kids birthday and XXXX is coming .. I'm behind on my rent please help me fix this mess that Bank of America put me in
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Product: Credit card or prepaid card

Discrepancy between agreed upon promotion and what I received. I requested my original contract and was told that they did not have a contract on file for the said card.
Product: Student loan

I recently learned Navient has broken the law by calling my brothers new wife 's father and demanded him to make payment on alleged loans said to be associated with my name. 

I have not only cease and desist letters certified mail that all communication moving forward must be in writing but i have disputed the loans entirely based on fraudulent practices by both Navient and XXXX XXXX XXXX XXXX Minnesota. 

I keep getting calls non stop as does my mother. They will not listen to us when we say this is harassment and that they need to stop. All communication must be in writing, period. 

I have requested that they prove the validity of the loans and they send me the wet ink promissory note but still after many requests and many attempts they have not sent me anything. 

From this point on all communication MUST be sent via certified mail. I will not open emails i will not accept calls, PERIOD.
Product: Credit card

Went to make a purchase at Best Buy for work. I asked the associate if I needed to call Citbank Best Buy for Credit Increase. Was told that they would automatically increase credit limit if approved. Made purchase in store. Credit limit was NOT increased. Contacted Citibank- and they said they didn't practice that way. Contacted Best Buy on several occasions and they blame Citibank. Best Buy 's Employee is the one who made the promise that limit would be increased if the charge went through. This was the week of XXXX. Spoke with the store manager a week later after the Citibank bill arrived and they stated that that was their normal practice and in 13 years have never had a problem. Contacted Best Buy customer support and they keep blaming Citi, and Citi blaming Best Buy. Now my minimum payment went from XXXX $ XXXX to XXXX XXXX 

Based on the Best Buy sales associates comments I believe this is predatory lending during the Holiday 's to increase sales.
Product: Debt collection

Company : XXXX  at XXXX Debt Collector : Hunter Warfield Date of debt : XX/XX/2022. 
Amount : {$680.00} Actions taken : have continously followed up with the debt collector to disbute the transaction. They have told me that their client has given them zero response. I have stated to Hunter Warfield multiple times to follow up with me via emai and i have records to prove that i have given them express permission to do so. I disputed the amount immediately. In bad faith, Hunter Warfield has decided to not communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer contacted Ally Bank around XX/XX/XXXX to dispute late charges to auto loan. Customer has court documentation that states " husband shall be awarded vehicle subject to the indebtedness thereon and shall hold Wife harmless therefrom ''. Husband did not refinance vehicle to remove customer from the auto loan. He also did not make the required auto loan payment in XXXX ; therefore customer 's credit score dropped XXXX points and can no longer receive any type of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC complaint and it still has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXXXXXX XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted on XX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Product: Debt collection

My recent credit report review revealed multiple accounts I do not recognize and did not consent to. I request that these fraudulent accounts be immediately removed and blocked from my record.