23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a result of Capital One buying and selling a debt I created through credit sales unbeknownst to me I have been violated. I am an affected consumer and natural person. Debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by your company for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. Both Capital one and the debt collectors identifying as attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). Capital One furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give Capital One my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including XXXX XXXX who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. Capital One and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. I am including in relation to the debt a Debt Validation Letter, Cease and Desist Letter, Rescission Letter, Unearned Interest Letter, and Credit Billing Letter. I referenced the Capital One account number and included the documents in the attachments labeled Enclosures, It has been received by the law firm who employs debt collectors XXXX and XXXX. I will include a copy of the USPS electronic receipt that reflects the documents were received XX/XX/2021 at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, a personal loan at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a utility cable account with XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections an hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ) my information has been stolen and is being used to open lines of credit, cash checks, open banking accounts and it is affecting my livelihood agreesively. I have not opened any lines of credit with XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As Per my last CFPB Complaint id no. : XXXX My mortgage co Planet home lending Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my XXXX  credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error. 
i would like Planet home lending to correct the error with XXXX and have XXXX  send me the updated copy of credit report with correction.
Product: Credit reporting or other personal consumer reports

I am submitting this FTC Identity Theft Affidavit to report fraudulent accounts on my consumer XXXX credit report that I do not recognize and which are the result of identity theft. These unauthorized accounts include XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX under a unique account number ( not disclosed here I request that these fraudulent entries be removed from my consumer credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws.
Product: Mortgage

In XX/XX/XXXX, I contacted the CFPB about a problem I was having with my mortgage servicing company, FCI Financial Services , Inc., XXXX, Ca.My loan had been modified, but, the loan statement never was updated.In XX/XX/XXXX, the CFPB got a letter from FCI stating that the loan had been reworked and I was to continue paying new balance of {>= $1,000,000} to be paid in full by XX/XX/XXXX.In XXXX of XXXX, I was going to pay my monthly payment on FCI website.When I navigated to their website, I was astonished to find that the loan had never been changed.I have a copy of the letter from FCI stating the loan amount is $ XXXX.I tried to discuss with FCI, but, I never got anywhere with their collection department.I had a XXXX XXXX in XXXX of XXXX.I was ready to pay off loan, but, had to change directions.Now, I have the money topay off the {$18000.00}.
Product: Mortgage

XXXX, XXXX, XX/XX/2023, payments were made and were not applied to the correct payments.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3500.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. But I do not see any details about your investigation. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid 19 I am currently not receiving a paycheck. So I called my mortgage company Wells Fargo as per the Cares Act to get a suspension of my mortgage payment. They told me on the phone they would not negatively report anything to the credit reporting agencies and it is my understanding that part of the Cares Act states that they are not allowed to as well. However that is exactly what they did. On my XXXX credit report it now states my account is in forebearance. As such my credit score went down 30 points.
Product: Debt collection

Accounts Receivable, XXXX is a collections agency in XXXX, Washington plaintiff is Security Credit Services , LLC send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in Washington state and the statute of limitation is 6 years. Why now?
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a toolset from a website that was advertising it as a XXXX XXXX tool combo with my Discover credit card for {$98.00}. After watching the tracking number for when it was supposed to arrive and even waiting a few days after it shows " delivered '', I contacted the company inquiring into why I hadn't received my items with no response. I then contacted my local postal service and gave them my tracking number who confirmed that the package was not sent or ever in transit and that this is a common occurrence to have fake tracking numbers from these kinds of companies. Long story short, I got scammed. So I did the next step and disputed the charge with Discover. Then said okay, we'll investigate it but will take it off. So I thought this was over and done with but saw they recently put the charge back on with a letter saying they don't have enough evidence to claim I didn't receive the item and that they contacted the scam company who says they sent it. They also told me that my only option is to get documents confirming the tracking number was false from the USPS. I contact my local postmaster and he gives me a letter confirming the tracking number was false and submitted that document to Discover. I also submitted my correspondence ( or lack thereof ) with the company showing that they have made no attempt at contacting me. I do all that to be told today that it isn't enough evidence, that the " Postmaster '' could be anyone and it all could be a made-up word document because it doesn't have a USPS letterhead. I'm at a complete loss and don't know what else to do to get this charge taken off my card for an item I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX are reporting my student loans from XXXX and Aidvantage late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information
Product: Student loan

My loans are currently in forbearance. I never asked for my loans to be put in forbearance. I asked XX/XX/XXXX for them to be taken out of forbearance and they have not done so.
Product: Checking or savings account

My debit info was stolen, and about {$10000.00} was taken from me. I spent days at the local PNC branch disputing transactions ( I had a police report and plenty of proof and admittance of the person that stole the money ). The dispute was not filed correctly ( the branch admitted this to me ) and it was passed between 2-3 people during the process, so some items were not disputed that should have been, or were disputed that shouldnt. The bank refused to give me provisional credit during the investigation, even though I had proof of everything. The bank ended up denying my disputes, closing my account, and stating account abuse. The branch is at fault, and admitted to filing my disputes incorrectly. XXXX XXXX at corporate was well aware of all angles of the situation and would not help me get it straightened out. I am a single mother of XXXX, have been evicted during the process, and am still without the money that was stolen from me. And now am without a bank account.
Product: Credit card

i am well aware of all the red tape in this world just so disappointed when it comes to my favorite bank capital one. made a dispute OVER DEFECTIVE phone from XXXX XXXX that i did contact them about but never heard back. first dispute comes back saying well you bought it to which i respond i never disputed i bought it so on XXXX XXXX i sent back that IT IS DEFECTIVE. no batteries broken. instead of asking me for further proof which by the way i have never had to provide they closed my dispute. Well i am not paying it. nor should i. One it was not handled right i was not contacted for whatever proof they needed BEFORE they closed it etc. and i still have abad phone. Online Customer serice XXXX XXXX too long. i am super surprised at capital one for this. it had been my card of choice for all reasons. please reverse charge. i am not paying it. i also note for the record NO ONE at XXXX XXXX contacts me in response to my contacts or otherwise. REVERSE charge on card ending XXXX as for contacting me i can only be reache after XXXX eastern. i work so calling at any time is a waste.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
" XXXX XXXX XXXX Inquiry : XX/XX/XXXX '' ; " XXXX XXXX XXXX Inquiry : XX/XX/XXXX '' ; " XXXXXXXX XXXX Inquiry : XX/XX/XXXX ''.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number XXXX
Product: Vehicle loan or lease

Capital One Auto is reporting my last car lease with a wrong amount, i dont paid the car but they said that they dont have the car. I called to Capital One to pick up the car. Then they want that I pay {$35000.00} like I never paid the monthly payment
Product: Credit reporting

( I have no idea what your question about a " final response '' means in the context of Experian 's wanton & routine violations of the law. ) Earlier this year, I requested a copy of my Experian credit report and have not received one. I completed the form for a free copy on the CFPB 's website and mailed it to the address indicated. This was a few months ago now and I have not received a copy of the report.
Product: Debt collection

For the last three months this year 2023. I have sent Notirize letter to this company asking to prove I Have an obligation to pay for a loan I never received from them. I SENT my last remedy to their office XX/XX/2023 only to be ignored and placed in the default position with them. They didn't not follow the law in reference to consumers rights by taking possession of the collateral with out any payment sent to me because of the contract they proved I have with them. XX/XX/2023 my vehicle was taken at the residence stated on file. Yet I received no write response back from my letter of rescind sent through certified mail postal office XX/XX/2023. 
I have forced Reliable Credit Association to prove the contract they brought from The Car dealership was fraudulent and I will not be force in to illegal contracts through deception practices. I didn't receive any credit nor financial benefits from either party 's involved in this forced contract with Reliable Credit Association. I have yet to receive transfer nor check issued to my persons for the amount determined by Reliable Credit Association.
Product: Credit reporting or other personal consumer reports

I've been trying to fix this issue with Transunion for a while now. On my credit report there are a few items that I have noticed that are invalidated/inaccurate. I have tried to fix this issue with this agency in the past, their investigation did not fix the issue. Under the FCRA any item that is inaccurate/invalidated can not be furnished on a consumer credit file. This issue has cause me trauma and major mental distress and is a detriment to my overall health, because of the sudden dramatic change that has affected my credit file. It is up to them to fix this issue and remove these accounts asap.
Product: Money transfer, virtual currency, or money service

Am an XXXX customer of the digital assets broker coinbase ; did a eur withdrawal of XXXX eur on XX/XX/XXXX XXXX XXXX and was expecting to receive the money in my verified XXXX banking account on XX/XX/XXXX. Today, XX/XX/XXXX am still waiting for my eur withdrawal to arrive. 
Despite several attempts and messages using all the possible digital channels ( email, support.coinbase, XXXX, XXXX ), all i got has been a generic message from a couple of coinbase support team members more offensive than helpful like " XXXX from XXXX, Im going to reach out to someone on the team and see if they can provide me with a resolution or more info. Expect a follow-up from me within 24-48 hours. " or a generic " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This is not the kind of responses one expect from coinbase, moreover I have a verified account in place since XX/XX/XXXX. I will also provide formal complaint to the XXXX XXXX Police and inform my bank 's fraud department so they can decide wether to inform their customers of the risks implied in operating w/ coinbase and its associated banks ( XXXX for XXXX  customers ).
Product: Mortgage

I qualify for a loan modification. My hardship is loss of most of my income due to XXXX. Since taxes are n't taken out of my month SS check, wells Fargo says they need a monthly gross and net. Therefore they are adding XXXX % more income to use as a gross making me no longer eligible for the modification. Is this legal or just another illegal stunt of Wells Fargo?
Product: Credit card

RE : Adverse Action Dear XXXX  XXXX XXXX, I, the consumer and natural person, was denied credit by First National Bank of Omaha 's when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and 15 u.s.c 1692k.

You are subject to criminally liability for violating I have proof that i was discriminated against by First National Bank of Omaha 's due to the response, I received and was subsequently denied credit. Regardless of the reason for being denied, I assert my right to fair access to credit. Withholding my access to my securities is a form of securities fraud. This action violates both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 



Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of First National Bank of Omaha 's If First National Bank of Omaha 's fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make First National Bank of Omaha 's criminally and civilly liable for all actual ( {$10000.00} ; per violation ). 

Thank you, XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

i have a reverse mtg. that was turned over to Novad consulting in XX/XX/2021. I still have money in an escrow account that I drew on each year to pay taxes, I can not access my funds. I have tried emails but they are rejected. i have tried 9 different phone # but they all go to the same recorded messages. my taxes arew due now and i can not pay. please help me. the novad address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc ph. XXXX e-mail XXXX XXXX
Product: Credit reporting or other personal consumer reports

HI MY NAME IS XXXX XXXX, I BECOME A VICTIM OF IDENTITY THEFT. I WAS CHECKING MY CREDIT REPORT AND I NOTICE FEW HARD INQUIRES THAT DOESNT BELONGE TO ME. PLEASE HELP ME TO KEEP MY PERSONAL INFORMATION, AND PLEASE DELET HARD INQUIRES THAT I MENTION BELOW. 

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

On XX/XX/2019 I received notification that a hard credit inquiry had occurred on XX/XX/2019. 

This inquiry was almost certainly related to a company credit card issued to me through my employer and, therefore, does not appear to be fraudulent. Despite this, a credit card company may not pull credit for persons who are only an authorized user, and not an obligor, on that account. 

A hard credit check was NOT authorized by me. I have verified this by looking at all paperwork, both signed and otherwise, related to this credit inquiry. Due to this fact, I attempted to dispute the above credit inquiry. 

The credit reporting agency ( Experian ) refused to recognize the inquiry as not warranted or authorized.