23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voicemail on my phone number that was intended for my wife saying she was being served and she owed a debt and had a judgment against her. We were unaware of this debt and I called the number back and was transferred to a man named XXXX XXXX. XXXX XXXX pulled my personal information from my number I suppose and his first line of tactics was to point out I couldnt possibly be married to my wife because I am too old for her. He hung up on me and I called back and asked to speak to anyone else. I was immediately transferred to him. Im just going to list the next insults because the narrative is too long. I am a XXXX for marrying my wife. I am abusive and do not let her make her own decisions. His job is to turn old guys like me into pretzels ( physical threat, obviously ). Im too XXXX to understand anything he says. I am too cheap to buy my wife the things she needs. I am unable to XXXX XXXX XXXX XXXX XXXX. He refused to tell me what the debt was from, who it was owed to or how much. Then he called my father-in-law to tell him his daughter married a XXXX. Then he called my sister-in-law to say the same. Then he called me back to tell me again that i was too XXXX to understand what he was saying and told me he would talk to my wife ( who he called non-stop for some time ) and me after she returned home but at least then he told me it was an old XXXX account and that it was XXXX XXXX bucks. There was a whole lot more Youre old, youre XXXX stuff but it got boring. The ironic thing is I was actually calling to just pay whatver she owed but he never allowed me that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i haven't received any investigations results.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit card

Capital One has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. Capital One has reported since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act 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. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I also have the right to Opt Out under 16 CFR 313.7 deriving authority from 15 USC 6801. Also, under 16 CFR 433.2 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with Capital One was an open-ended credit line and the credit application became a security the moment my signature was obtained. Capital One is also in violation of the Securities Exchange Act of 1934 for the sale of my security on the secondary market.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XXXX XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX XXXX  reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Product: Credit card or prepaid card

I received an invoice on BBVA credit card account in XXXX for {$32.00} with due date of XXXX XXXX, 2021. I sent a check through XXXX bank on XXXX for {$32.00} to address on invoicing. Toward the end of XXXX, I received communication through email of lack of payment from PNC Bank. I called and was requested I submit proof that payment was made. I mailed them the required documents. I then received an invoice in XXXX for {$130.00}, which instigated an immediate phone call to PNC Bank. I was told that once the PNC Bank received payments I would receive credit for payments made on time. They instructed me to pay the difference of {$100.00}. This was subtracting the {$3200.00} payment made and inoppropriate interest charge of {$.00}. I sent the check from XXXX XXXX for {$100.00} to address on invoicing for PNC on XXXX. Again the account was paid in full prior to due date of XXXX. Then in XXXX, I received invoicing for {$100.00}. They charged another {$1.00} intereston amopunt already paid on time. I called and was informed they had received the payments of {$32.00} and {$100.00} but the interest they claimed was owed even though I paid prior to due dates. They claim receipt was late which I don't believe was accurate, I paid the {$2.00} interest on XXXX XXXX in protest and notated this on check. I did not want any further extortion of interest from these XXXX. I feel a crime has been commited and that this practice needs to be rectified even if a lawsuit is extremely more expensive than the {$2.00} they have extorted.
Product: Vehicle loan or lease

In XXXX of 2017, I leased a car from carite but a bank named brite financial gave me the loan. I was at a fresh credit and was still charged an enormous amount of interest, I was paying {$400.00} at XXXX XXXX XXXX XXXX. I was given an job loss preventation program that I find out was a lie years later. The car was messing up within the first 30 days and I was guaranteed an fix and the company denied to fix the vehicle I couldnt return my car or anything within the first 30 days so they knew I was stuck with a bad car. I lost my job while working full time and attending school. I expressed that to the repo manager at the time and she took my car because I was being disrespectful and I was also in a private property which they broke a state law. They have multiple errors on my credit and both bureaus refuse to remove the account from my credit report.
Product: Student loan

I have had a loan with XXXX but all of a sudden I have not been able to access my account. Navient calls me and tells me that I need to pay them. I tell them send me a statement in the mail so I have proof of this bill. It has been almost a month and I have not received a statement and on top of that I am being harassed by Navient every day. Still no statement has been sent. I should have some assurance that my payments are going to the right people.
Product: Credit reporting or other personal consumer reports

Capitol One documented that Capitol One received electronic payments from an account ending in XXXX with The XXXX Bank which does not belong to me. I have contacted XXXX and verified that I have never had an account ending in XXXX. Capitol One has gone to lengths to hide the truth that i never approved, agreed to, or authorized this credit card account. I have Capitol One to provide physical data or proof as I have maintained my innocence from the very beginning by stating I did not open the card nor make any of the purchases, and sent an identity fraud report which Capitol One never filed or disputed the fraudulent charges. 
Only thing Capitol One is holding against me is standard public information ( address, date of birth, social security # ) which is almost always used in identity theft and fraud anyhow. 
Capitol One does not have a wet signature or affidavit/agreement filed by me to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are some accounts continue to report on my credit report despite i've already requested this matter, Behind of that, I am asking for your help to correct these accounts on my file. I've also send my previous letter to the 2 credit bureaus such as Equifax and XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be corrected. I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These following accounts please investigate and have these corrected : XXXX XXXX XXXX XXXX Balance : {$390.00} Opened XXXX XXXX, XXXX : DEPT OF ED/XXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$440.00} Opened XXXX XXXX, XXXX.
Product: Credit card or prepaid card

ADVERSE ACTION NOTICE I, the consumer and natural person was denied credit by Wells Fargo when I applied for an XXXX XXXX  XXXX on XX/XX/2023. 

According to the Equal Credit Opportunity Act adverse action against the law codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 k.

Due to the response, I received from Wells Fargo you are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received.

Wells Fargo is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002 because I, the consumer, made an appointment in good faith, but credit was not issued.

Furthermore, because my social security number which according to 15 USC 1602i is defined as a credit card was used and I received NO BENEFIT. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Wells Fargo. 

If Wells Fargo fails to make any reasonable procedures to resolve and compensate me for the use of my credit card I will INDEED make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.
Product: Debt collection

I keep getting phone calls for a debt for my son and daughter in law for a townhouse that was rented. I've told them that I have never ever signed any lease agreement to this place and that my son has a copy of the lease which I never signed and so I am not responsible for this debt. The guy on the phone said he would not stop calling me and now he is going to come after me for the money even though I never signed an agreement. I can email a copy of the lease agreement but it won't let me upload it here because the file is bigger than allowed
Product: Mortgage

Our mortgage was held with Wells Fargo. We tried to get help to keep our house through either payment delays or any other means possible but they denied us. I was directed to notify them due to their settlement over a class action lawsuit. We ended up losing our home to foreclosure and were forced to move out. We lost our home in XXXX of XXXX.
Product: Payday loan, title loan, or personal loan

Request for Cancellation of CashCall Loan, Account XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least {$2500.00} but less than {$10000.00}, a finance lender may not receive chargers at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % since XX/XX/XXXX for a original loan amount of {$3100.00}. 
An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. 

Current State of Payments to CashCall as of XX/XX/XXXX : 19 monthly payments of {$350.00} = {$6600.00} 1 payment of {$380.00} = {$380.00} Total of payments = {$7000.00} Remaining 28 monthly payments to complete the 48 installments Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments 48 monthly payments of {$12000.00} = {$5800.00} My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have exceeded the legal amount by {$1100.00} ( {$7000.00} - {$5800.00} ). 

I have contacted CashCall by letter and by phone several times to request a forgiveness or restructure of the balance remaining on the loan. The payoff amount is still nearly at the original {$3100.00} loan amount after making 20 payments of the 48 installments. CashCall has been unwilling to accept any changes to the loan.
Product: Checking or savings account

After having funds deposited from NJ Unemployment, Charles Schwab froze my account. I now have no access to my brokerage account or my unemployment funds. The documents they had requested I already submitted. Currently feels like my unemployment funds have been stolen by Charles Schwab during these very trying times.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. 

Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. 

Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. 

I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. Therefore, I urge you to prioritize the removal of these fraudulent items from my credit report, identify and address any obstacles preventing resolution, and provide me with regular updates on the progress of the correction process. 

In addition, I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Checking or savings account

{$500.00} was fraudulently removed from my Wells Fargo bank personal checking account and has not been refunded to me. The transaction occurred on XX/XX/19 at a bank branch approximately XXXX miles from my home. I did not make the withdrawal.
Product: Payday loan, title loan, or personal loan

I have contacted the ( XXXX XXXX ) a few times this year and I asked them if it was possible if I can lower the APR on the loan they said my loan is at it lowest ( 9.99 % ) I have never been late and every time I check my account online they state that they can not touch my account do to the fact that I'm currently on Active status in the military I opened my loan for {$42000.00} and my loan total of payments {$98000.00}. I have no problem paying off the loan that I took out just not at 9.99 % I currently am a homeowner and my loan is under 5 % for my house I never been late on a payment and really don't think its fair that they say they can't help me because I'm MILITARY on XXXX XXXX!
Product: Credit card or prepaid card

In XX/XX/2020 I purchased 2 airline tickets for travel in XXXX to XXXX, I purchase it trough a travel Agent XXXX. My American Express Platinum card was used for the purchase, in the amount of {$5000.00}, for flights on XXXX XXXX. On XX/XX/2020 I received a text message from XXXX XXXX informing me the flight was cancelled and a refund would be issued in the form of payment which was received. On XX/XX/XXXX I still did not get a refund, so I contacted the travel agent XXXX, XXXX XXXX XXXX. She Informed me American Express would be crediting my account. I contacted American Express, only to be told I should recoup the funds from the travel agency. I have telephoned XXXX  and email them and have not gotten a reply. American Express claims I am responsible for the charges because I did not prove the airline cancelled. I have supplied the refund by XXXX which was processed on XXXX/2020. To them and all correspondence to XXXX  with undelivered mail. Hey American Express is refusing to assist in recouping my loss. I pay XXXX XXXX  for membership to have peace of mind for protection against this kind of fraud. Yet they turn a blind eye and support customers been scammed.
Product: Credit reporting or other personal consumer reports

Equifax is knowingly reporting inaccuracies that were already removed from my credit report which is completely illegal I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presue that no proof of the alleged debt with XXXX XXXX XXXX nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

The response to my complaint indicated that Equifax had previously removed the disputed item on two separate occasions from my credit file and now it has been added back  a 3rd time  under a different name. Please review your past files as you will see that you have already removed this same disputed item in the amount of {$640.00} under  XXXX  different creditors names in the past. The issue is they are selling the account and it keeps getting placed back into my credit file which is illegal since it was already disputed and removed twice.   This was Equifax 's response to the latest issue and the reason they do n't see the other names mentioned is because Equifax had already removed them from my file in the past. Equifax reinserted the same disputed item just under a different creditors name.  <P/> Dear  XXXX   XXXX , we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by the data furnisher. Equifax did not reinsert the accounts listed in the complaint. The following disputed items are not currently reporting on the Equifax credit file :   XXXX   XXXX   XXXX   FOR {$640.00} AND  XXXX . The disputed  XXXX   XXXX   XXXX  account number ending in  XXXX  has been verified as reporting correctly on the Equifax credit file with your name, current address and social security number. Adverse accounts will remain on the Equifax credit file for up to 7 years from the date of last activity or date of first delinquency. Written confirmation has been sent to you on  XX/XX/2017   . A complimentary copy of your credit file has been mailed on  XX/XX/2017   , please allow  7 to 10 business days for delivery. Please note that for future disputes of credit report information, you may visi t www.equifax.com
Product: Student loan

Citibank misfiled my student loan account for the past 9 years under In School Deferment. This has caused my account to collect interest for 9 years without my knowledge and without Citibank attempting to contact me about a repayment plan. It wasnt until XX/XX/2017 that I was made aware of this situation when I was contacted by XXXX XXXX XXXX. I have since exhausted all of my options in an attempt to rectify the situation and contact someone through Citibank to help me since XXXX XXXX says they cant do anything other than give me account information. I need to be able to speak with someone at Citibank who can help fix my account since it was a mistake on their part having me listed under the wrong status for 9 years. XXXX XXXX had told me that $ XXXX/month payments are all that can be made or else my account will go into default. Seeing as how this is not my fault, and those payments are due to the total amount owed due to 9 years of high accrued interest rates, I need to speak with someone from Citibank as soon as possible. I have been given 6 different phone numbers to call for Citibank and each person just gives me another number to call and says they dont have any information regarding student loans.