23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sometime in early XXXX XXXX, I received a letter dated XXXX/XXXX/XXXX from XXXX, XXXX XXXX XXXX ( XXXX # XXXX ) a collection company about a Costco Anywhere XXXX XXXX card with an account number ending in # XXXX. I immediately called my Costco Citicard that I use to inquire about this account ending in # XXXX but I was placed on hold several times and was given a different number to call each time as according to the representative that I spoke to that since this account is now closed I needed to speak to another department. I called for XXXX consecutive days trying clarify where the {$290.00} balance that has been transferred to a collection agency came from since this was the first time I had any knowledge that I have a balance on a credit card that I thought I had already closed early in XXXX when I closed by business. But no one can give the information and I was given a number to call to find out. But after calling the number I was given I was given the same information that another department was handling my case. Then on XXXX/XXXX/XXXX I received a statement from Citicard address to my home address with a statement address to my old business address. On this statement, it lists the amount owed past due of {$290.00}. I called immediately the number on the statement that evening but the office was closed. Today, XXXX/XXXX/XXXX, I called again after speaking with the representative for nearly an hour trying to get an information on where the charge came from I was told that the charge of {$110.00} was charged on the Costco XXXX XXXX ( which was later transferred to Citicard Visa when Costco switched from using XXXX XXXX to XXXX ) in XXXX XXXX and since then has been accumulating late charges and interests. I informed the representative that this was my very time to see a statement on this amount owed. I always pay my credit cards in full and thus have excellent credit history. I am afraid that this single transaction of {$110.00} which has grown now to {$290.00} and continues to grow from added interest and late payment penalty will put a big dent to my credit. Had I known that a credit card I no longer use since early XXXX when I closed my business had a balance, I would have paid it in full. I never received any statement in the mail regarding this charge except for the statement I received on XXXX/XXXX/XXXX. I was given instruction to fax a letter explaining my situation which I did earlier today. In that letter I explained as above that I never received any statement or notification of a delinquent account. I also stated that the {$110.00} original charge for the Costco membership renewal was likely valid since I do use Costco and I am willing to pay that amount in full but was told that the representative is not authorized to received payment unless it was in full payment of {$290.00}. I am not sure of what my right as a consumer in this situation and I am seeking the assistance of this consumer protection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, Experian, and XXXX on XXXX different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Money transfer, virtual currency, or money service

Someone hacked into my bank account and XXXX XXXX dollars on XX/XX/XXXX to account without my authorization. I have contacted Wells Fargo and submitted a claim and they denied my claim stating that it was me or someone i know that made this transaction. I have been with Wells Fargo since XXXX. Please help me retrieve my money from this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and immediate action is needed to correct this. 

Accounts - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX Inquiries- XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Vehicle loan or lease

Car was returned the same week of purchase thru a fraudulent deal they provided for me. This is showing on my credit as a repossession and effected my personal life and getting calls demanding payment. I do not owe anything. This account been close 2 yrs ago theres no way it should be place back on my credit XX/XX/2023 as I still owe. USC code 15 1662b. Please remove this from my credit report indefinitely
Product: Debt collection

Dear CFPB Representative, Thank you very much for taking the time to review this complaint. 

This is a case of a Law firm representing itself in a primary function as a debt collector.. Each letter from the debt collector ( 3 letters ) stated " We are a law firm, at this time no attorney with the firm has personally evaluated or reviewed the particular circumstances of your account ''. However, this firm recently filed a lawsuit against me without any notice or without notice of transitioning from a debt collector to a law firm. 

Additionally, this firm did not provide important documentation that I requested on multiple occasions so I properly validate the debt and the determine if this firm has authorization from the creditor to collect the debt. 

On XX/XX/2020 I received a letter from this firm, Cooling & Winter ( Letter # 1 ) to regarding credit card debt shown in the amount of {$82000.00}. I responded on XX/XX/2020 ( Response # 1 ). Cooling & Winter sent Letter # 2 and I sent Response # 2 and Cooling & Winter sent Letter # 3 and I sent Response # 3. I did not receive a letter back from Cooling Winter in regard to my last Response # 3. I will attach these 3 Letters & 3 Responses, label accordingly. 

Importantly, I did not receive any indication or notice at all that Cooling & Winter intended to transition from a debt collector to a law firm. Additionally I did not receive any notice that Cooling and Winter intended to file suit. Complaint attached. Th e Compliant was mailed by a different firm, XXXX XXXX ( attachment ). I have no knowledge about this firm, XXXX XXXX and never communicated with them. FInally, per my Reponses, you will see I requested multiple times for verification that Cooling & Winter had a license to do business in Florida and that Cooling & Winter had authorization from the Creditor to collect this debt. These are very important as many Collection Agencies do not have authorization and also may not have the license to do business in other states. These among other requests to Cooling & Winter were never specifically addressed. I also requested other documentation to formally validate the debt. 

Thank you for your assistance. I am always available to discuss this matter further.
Product: Bank account or service

On this day, XXXX XXXX 2016, I called Wellsfargo to close out my last checking account. After calling the bank in request to close the account. I noticed after 10 minutes that my account ( s ) were still open and accessible online. The account balance is {$0.00} with no balance owed. However under Transactions I show : " PAYOFF DEBIT, NON-INTEREST WITHOUT FEE ''. When I called wellsfargo back to have the online account access deleted/cancelled/removed and ask for a cancel/closed account receipt ; the bank refused to assist. The bank customer service transfer me to a supervisor by the name of : " XXXX XXXX '' who repeated that the bank would n't assist with sending me a cancel/closed account receipt via email, fax or USMAIL. I informed her that this is the reason why I 'm leaving Wellsfargo. ( This request is reasonable and is doable in the branch. ) I informed her that I would be filing a complaint as nothing I 'm request is unreasonable. I 'm trying to protect my identity the bank, Wellsfargo, has refused to take steps to protect me as a consumer and this is the reason for this complaint.
Product: Credit reporting or other personal consumer reports

Dear debt collector : I have reviewed my Credit Report and found out that you are reporting a debt that I believe is incorrect. I do not recognize the original creditor, the date opened and or the amount of the debt. You can contact me in writing, and provide me with the following information. 

Be advised this is not a refusal to pay, but this is a formal notice that your claim is disputed and FULL VALIDATION is requested, under the Fair Debt Collections Practice Act ( FCDPA ) made under 15USC 1692g Sec. 809 ( b ) of the FDCPA and section 609 ( a ) ( f ) ( A ) of the Fair Credit Report Act ( FCRA ), this is NOT a request for ver ification
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a private student loan with College Ave lending. I have made full payments on time for years. Last year, I began to fall behind. I tried to call them and request help prior to falling behind, as I knew I would not be able to make full payments soon. They had no help and I was told to " get a second job ''. I work 48+ hours per week already, have 3 kids, pay daycare and other living expenses. Eventually, I fell behind as expected. They harass and call relentlessly, even though I tell them I can not pay at the moment, and when I can I will send payments. Eventually, I stopped answering their calls because they became unbearable. In XX/XX/2023, my Fianc, who is not on my loan, as I am a SOLE borrower, I have no co signer, no one listed on my loan at all. They called him and disclosed personal information about my loan, my default and even tried to get him to change the terms of my loan and accept their " forgiveness '' program! He refused and informed the collector ( named XXXX ) that he was my fianc, not spouse, was not on my loan and would not make any decisions about my loan. I called and confirmed I was the sole borrower of my loan and filed a complaint. I had to conitnue to call back to verify my complaint was being " looked into ''. Eventually a supervisor called back and agreed and confirmed this XXXX did in fact disclose information he was not supposed to to my Fianc, I was told he would provide " more training ''. I requested documentation of my complaint and an explanation IN WRITING of their findings and remedy. To this day, I have not received anything. I had my Fiance 's number placed on a " block '' list. In XX/XX/2023, They called him again and left a message! I immediately called them and asked why they are continuing to call and received " ummm ... umm ... let me check on that.. I can add that for you '' when it should have already been blocked. They made no attempt to call me first, as our phones were right next to each other and I had XXXX missed called. They are continually violating my privacy in respects to my loan.
Product: Debt collection

XXXX XXXX XXXX has been calling and harassing me about an HSBC debt for XXXX XXXX from 2017. Which I am pretty certain I already paid years ago. I have been getting constant calls and now they have been calling my family members! I asked them to stop and they ignored my request. I dont know if this is even a legitimate company. As I said this is from 2017. I havent heard from anyone about this until now. 7 years later Im getting calls?! 7 years is a long time to not hear about a supposed debt I owe which I think I already paid. Its been quite a long time. It says in the fine print : Collectors may not tell another person other than your attorney or spouse. You have already called my parents multiple times after I specifically asked you not to. And you called my Aunt today. I am reporting this to the FTC. 



Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment.

I am getting calls 10 times a day. My parents and my aunt are now getting frequent calls! I told them to stop and they are violating the rules clearly stated. 

Original Account Number : XXXX Original Creditor : Hsbc Current Creditor : XXXX XXXX XXXX XXXX ID Number : XXXX Current Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that two of the accounts that are in my credit report don't belong to me, and it came back with a different collection this time, the collection name for the alleged debt with XXXX is XXXX XXXX XXXX, and so I ask to please stop further collection activities and remove the account from my XXXX and TRANSUNION credit report. Also XXXX I personally don't recognize this account, the account doesn't belong to me and this is reporting on the three credit bureaus. I've already tried to remove these accounts with them and they refuses to take them off.
Product: Credit card

I got an email the morning of XX/XX/year> stating that my application with XXXX Capital One was almost complete ( application ID : XXXX ) and to upload documents by XX/XX/year>. However I did not inquire about nor start a credit application with Capital One or any other company. To check if this was a scam, I looked at my XXXX report and did see a hard credit check from Capital One from XX/XX/year>. I also saw XXXX phone numbers on my account that did not belong to me ( XXXX and XXXX ). Both of my addresses were correct, but XXXX of them had the incorrect XXXX number associated with it. 

I contacted Capital One 's customer service to find out more information and they told me they could not find an account with my info and directed me to the fraud department. I spoke with them and they were insistent I did not have an active account and to contact a XXXX XXXX XXXX to get more information. I then called XXXX to get things sorted and was able to put a fraud alert and credit freeze in place and disputed both the incorrect phone numbers and the hard credit check from Capital One. 

When I called Capital One back I was able to speak with a representative who confirmed the application had been started and was approximately halfway done. She attempted to connect me with their fraud department ( a third time ) but they were closed until Monday morning. While the representative was significantly more helpful than the previous XXXX, the bank overall seems to lack the ability to aid customers who are victims of fraud as the only option from me from here was to 'call back on Monday, ' a wholly useless recommendation when someone else is attempting to open a credit card in my name. I would honestly expect the fraud department to be open XXXX -- after all, crime happens any time. I did ask the representative whether the application could be put on hold or cancelled and she said only the fraud department could do that. 

I called XXXX back to see if anything else could be done and they recommended submitting an FTC report, which is where I am in the process now.
Product: Mortgage

( Not issuing decline letter in timely matter ) My husband and I had fallen behind with our loan due to unexpected major repairs to home and change in income after home purchase, back in XX/XX/XXXX. We applied for a modification and were approved in XX/XX/XXXX. The documents were received on or about XX/XX/XXXX and due back by XX/XX/XXXX. We sought legal advice to understand the new agreement and return the documents after XX/XX/XXXX but prior to the end of the month. At the time we were not aware that there was a return date for the signed and notarized documents to be returned by XX/XX/XXXX. We made the first payment as per the modified agreement on XX/XX/XXXX. We have since been told that our permanent modification has been declined due to not returning the agreement. The most recent statement received indicates that we have a balance in excess of {$9000.00} in arrears and have not, to date, received a decline per the verbal conversation my spouse had with lender. Also, the payment I sent for XX/XX/XXXX has been posted. Today I called the bank to confirm that the Modification has been declined and requested an official letter. They confirmed that they did receive the modification documents on XX/XX/XXXX. They stated that they spoke with me on XX/XX/XXXX when I called to make my payment and discussed nothing about the due date of the paperwork or even stated that they have been trying to reach me. I was unaware that their were any issues. As I request as much information as possible whenever I call them because nothing is clear. They claim they called my spouse on XX/XX/XXXX and spoke to him. He has no record of this. There was no note as to what they spoke about other than XXXX was planning on returning the document. They gave an extension to XX/XX/XXXX. They claimed to have tried to contact XXXX several times but could not. ( So we were in no way made aware of this or even that it was needed. ) They called XXXX on XX/XX/XXXX when they received the paperwork and told him that it was being declined to the time window expiring. I called on XX/XX/XXXX and requested documentation/ decline letter. I explained why there was a delay and that every time that they have contacted us, we have spoken with them. I also requested a new hardship packet and told them I was meeting with my official HUD counselor later this month. I also gave them my number to contact me if necessary with any questions. She said that it would now become the default contact going forward. I asked if would take 5 months again. She told me they were originally short staffed when first applied. That it why they have been delayed in getting things out to us. It should go much quicker this time. I would like to note that I do not believe they have tried to contact us when they said they have. We have been very attentive/ responsive as well as making the agreed modified payments in a timely matter. We have also adjusted our lifestyle to do everything we can to keep our creditors happy.
Product: Credit reporting

I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.
Product: Debt collection

I lost my wallet in XXXX someone was using my ID I also went to XXXX  because they had bills in my name in debt in my name they have all the phone and use my name for XXXX XXXX  and other stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *