23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 1681s-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: Vehicle loan or lease

I've submitted multiple legal forms of tender to Capital One Auto Finance, they've been accepted, but not applied correctly at all. I've called to remedy this I've spoken to the President and Resolutions Manager and both indicate they hold Capital One Auto Finance local contract over federal UCC Law. Therefore they are attempting to violate my rights. They've indicated if I keep making legal payments they way I do they'll be forced to take action of their own ( illegal ). Also indicated they are getting other forms of legal tender and behaving they same way. They are in violation and I as a consumer and a sovereign citizen demand remedy and reparations henceforth and forthwith.
Product: Checking or savings account

My phone was hacked and XXXX was transferred to a pay anyone option. Chime is the bank. I never authorized or give permission. Didnt request pr receive anything nor service. Funds transferred to a bogus email and chime Locke my account and refused to return my koneybafter untold them my phone was hacked and I didnt authorize XXXX for any reason. Chime states that the ip address used to transfer the funds is my phone and I told them again my phone was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My son was renting out an apartment that I signed off as the Co-singer so he could move in for his spring college semester. We were sent a bill that was eventually sent to collections. We have taken care of this matter and have paid it in full. I'm currently apartment hunting and this issue denied me an apartment.
Product: Debt collection

Debt was paid as part of a Debt Relief program thru XXXX XXXX. Debt was negotiated and paid in full the amount agreed upon. Portfolio Recovery Associates are attempting to collect the debt that has already been paid.
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX  XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I deposited {$2900.00} in to XXXX drive thru atm at chase I was receive an error with a receipt and was told to call the number.the cash and check I deposited was never returned and after filling a claim I was denied on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

Today I requested that medical debt that was owed to XXXX XXXX XXXX XXXX meets the new guidelines of CFPB ( the rule ) & requested for them to be deleted today
Product: Debt collection

I received a letter from Citibank attorney and I was served and I got a call from a attorney and he threaten to sue me and have the police come to my house take my property and I dont work Im on XXXX and I have no money and I live with my parents now I didnt apply for a Citibank Best Buy credit card I send in a police report few times and each time they denied my fraud claim and wouldnt send me a fraud affidavit at all and keep sending paperwork to a wrong address and it would get forwarded by USPS to my new address. I dont live in XXXX  XXXX XXXX  XXXX XXXX Texas and they are harassing my neighbor.. the XXXX residents.. Citibank attorneys are threatening me with jail time and seized my property and I have call records to prove that and Im asking them to leave me alone
Product: Mortgage

A check from my escrow account was issued by Rocket Mortgage Account # XXXX but not received my my Mortgage Company XXXX Policy XXXX. XXXX is going to Expire my Home Owners insurance due to nonpayment on XX/XX/2022 I have talked to Rocker Mortgage about this problem and have asked to stop payment on this lost check and issue a new check and was told that it was a bulk payment and could not be done. I need help with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I filed a complaint with cfpb about Freedom Debt Relief. The case number is : XXXX. CFPB contacted Freedom Debt Relief LLC to resolve the matter. However, my payoff amount with XXXX XXXX XXXX  was {$390.00} before contacting CFPB. Upon looking into my dashboard on the Freedom Debt website, the payoff amount has changed to {$420.00}. Also, I think they may be hiding some of the money that I deposited into their account. Is there any way that cfpb can audit this company to make sure that they are not stealing funds from customers?
Product: Credit card or prepaid card

Capital One is refusing to remove a late payment on my credit card. After seeing them all over the news, I am sure that my payment wasn't applied because of the breach. This is not fair that I have had this card for years with no late payments and now they report me 30 days late in XX/XX/2019? How is that possible? I already filed a complaint with XXXX XXXX XXXX and now I am coming to the CFPB because I have never had a late payment on my account or any other accounts and now this is going to affect my credit severely. Then after my complaint to the XXXX they changed my late payment to XX/XX/2019 which proves my point that their records are all over the place and their breach is affecting my credit. My next step is to contact the attorney general or attorney to see what they can do to help me.
Product: Student loan

I filed a Chapter XXXX bankruptcy XX/XX/XXXX and should be protected by the automatic stay provided by federal bankruptcy law which prohibits creditors from seeking payment until my bankruptcy is discharged. The soonest my bankruptcy will be discharged is XX/XX/XXXX. I received a letter from fedloan servicing dated XX/XX/XXXX requesting I recertify my payment plan or pay {$430.00} starting XX/XX/XXXX. From my understanding, this is a violation of federal bankruptcy law. My attorney has contacted FedLoan and sent paperwork requested several times. I have also been working with a HUD-approved credit counseling agency to help me resolve this matter. XXXX shows my bankruptcy claim as active. This has been explained to several FedLoan Servicing customer service representatives, none of which have the slightest clue as to what I am explaining and could seem to care less when I explain that this is illegal practice and FedLoan could get into legal trouble not complying with federal bankruptcy laws.
Product: Checking or savings account

Navy Federal has been adding over draft fees to my account even though I am enrolled in the OOPS protection program.
Product: Money transfer, virtual currency, or money service

To Whom It XXXX Concern, We are a 100 % federally legal and compliant XXXX XXXX XXXX XXXX, who formed in XXXX of XXXX, and have been conducting business online since XXXX. We set up our website via XXXX, and chose PayPal as our payment processor. The name of our company is XXXX XXXX XXXX, and that name appears on the EID paperwork that PayPal asked us to provide to confirm the account. Prior to them freezing our account due to their false accusations that we have violated their XXXX XXXX policy they processed our first 20 payments. After accepting the last 2 payments they placed a hold on our account. 

Before this hold, we had spoken with PayPals customer support management team on several occasions and not once was anything brought up about our products violating any company policy they had in place. If they felt our company violated any such policies, they could have informed us that they consider XXXX  to be a XXXX XXXX instead of the legal XXXX XXXX that it is. Had they done so, we would have sought out a different processor to handle our needs. 

Per our lawyers guidance, we sell XXXX XXXX to 48 of the 50 United States. Since the passage of the 2018 Farm Bill Act, XXXX is now considered 100 % federally legal so long as it remains compliant under XXXX XXXX XXXX. 

This account freeze comes at a crucial time, right when the XXXX  season is picking up and farmers are starting to purchase the XXXX  they plan on XXXX  this year. Any holdup hinders our abilities to help them have a successful season. It also hinders our companys ability to succeed and thrive in our first and hardest year. 

On top of this, we are now facing the COVID-19 pandemic. We would normally have no trouble weathering this situation since we are able to operate out of our private quarters, with minimal outside contact. Now we will be forced to go out in public, risking our own health and wellness, so that we can pay cash and ship at the Post Office. We will have to pay out of pocket to ship these orders since PayPal has seized our funds, including payments for shipping. 

This issue has caused us to work several extra hours contacting groups such as yours and many others in an attempt to find a resolution. PayPal is essentially halting our business until we can locate another payment processor. In other words, we are struggling to stay afloat. 

We thank you for your time and efforts and anything you can do to help us in resolving this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are attaching multiple screenshots of our PayPal accounts status, a letter to PayPal and our XXXX dashboard showing payments that were accepted and held. 

And here is a video link showing that our business documents were accepted : https : XXXX
Product: Checking or savings account

My account was closed for 90 day money had been sent to the account while it was close now they trying release my money
Product: Mortgage

I have a loan that is serviced with Shellpoint Servicing, and the initiating loan company was XXXX XXXX XXXX in XXXX XXXX. When I call Shellpoint, the representatives tell me I have a commercial loan product and they will need to transfer me. They transfer me to a voicemail message that never returns my call. Also, their website does not function on the computer regardless of browser, and I have reported it to the company many times and they say they are working on it with no resolution. 
I recently found out that my property taxes are late. Not only are they past due but they are delinquent. When I purchased this property over XXXX dollars was collected for impounds. I have made my full payment each month on this loan, with the requirement of an escrow account, I have paid for taxes and insurance with my monthly payment to Shellpoint. There is no reason my taxes should be late or delinquent other than Shellpoint not managing my escrow account properly. 
I need help resolving this issue as I can not get ahold of anyone to help me at the company. Also fees have been accessed by the county for late taxes of which I should not be responsible for. Please help me get this cleared up. I have made all my mortgage payments on time with escrow payment, and now have tax consequences for the servicer 's errors.
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX as Legal Trustee for XXXX XXXX XXXX XXXX has started a foreclosure complaint as Plaintiff. They are Not the creditor and we are disputing the validity of any alleged debt, the creditor as Plaitiff and requesting the name and address of the original creditor from the debt collection law firm XXXX XXXX XXXX as required under the FDCPS U.S.C 15 Section 1601.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company Capital One is not updating nor removing negative inaccurate information back from XX/XX/2015. My balance for this card was paid in full on this date but is still damaging my personal credit score has I have reviewed from the credit bureaus. 

I have filed formal inquiries with Capital One and the three major credit bureaus. Providing all documented support that was requested showing my personal bank statement, cleared check for final balance payoff and letters from the law firm XXXX XXXX   XXXX, XXXX, that Capital One retained again showing proof that this has been paid in full since XX/XX/XXXX of 2015. 

Again I feel Capital One is liable and continues not to be cooperative in fixing this very important personal matter. 

Any help that your department can provide will be much appreciated. 

Many thanks
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I CALLED TRANSUNION TO FILE A DISPUTE ABOUT A PHONE NUMBER THATS IS ON MY CREDIT REPORT PERSONNAL INFO ( XXXX ) XXXX THATS NOT MY NUMBER I WANTED TO FILE A DISPUTED AND TRANSUNION TOLD ME THAT IT WAS GONE BUT IT WASNT TRANSUNION DID NOTHING I ALSO FILE A DISPUTE ABOUT AN INQUIRY THE I DID NOT AUTHORIZED I KNOW NOTHING ABOUT XXXX XXXX  KEEP RUNNING MY CREDIT WITH HARD INQUIRIES AND IT SEEM LIKE I CAN'T GET ANYTHING DONE LAST YEAR I CALLED XXXX XXXX ABOUT IT THEY DENY EVERYTHING THEY KEPT TRANSFERING ME AND REFUSE TO REMOVE THE INQUIRY. NOW THEY DID IT AGAIN AROUND THE SAME TIME LAST YEAR IT WAS XXXX XXXX, XXXX AND NOW XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Capital One Regarding Fraudulent Account To Whom It May Concern, I am filing a formal complaint regarding Capital Ones failure to address a fraudulent account opened in my name. Despite providing extensive documentation proving that I did not open or authorize this account, Capital One has refused to remove the account or conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Details of the Complaint : The fraudulent account in question is linked to card number XXXX XXXX XXXX XXXX

All information associated with the account is incorrect, including an address where I have never lived or been associated. 
I have submitted numerous documents proving my identity and demonstrating that I did not open this account. 

Despite these efforts, Capital One has failed to investigate the matter appropriately or take corrective action, leaving this fraudulent account on my record. Their refusal to follow federal law and address the dispute has caused undue stress and potential harm to my credit standing. 

Resolution Requested : I request the CFPB to : 1. Require Capital One to conduct a full and thorough investigation of the fraudulent account.

2. Ensure the account is removed from my records immediately.

3. Hold Capital One accountable for its noncompliance with federal regulations under the FCRA.

I have attached supporting documentation for your review, including : Proof of my identity.

Evidence of my correct address history. 
Copies of prior correspondence with Capital One regarding this dispute. 

Thank you for your attention to this matter. I hope the CFPB can assist in ensuring that Capital One complies with its legal obligations and resolves this issue promptly. 

Sincerely, XXXX XXXX Attachments : Proof of Identity Documentation of Dispute Copies of Prior Correspondence
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have noticed these unauthorized inquiries in my report. I have given the three credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX posted XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX posted on XX/XX/XXXX XXXX  posted XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible. In addition, I have attached a PDF document reflecting all items that were found. 

TRANSUNION 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
Product: Vehicle loan or lease

thanks for the opportunity to have this matter discuss my name is XXXX XXXX my current situation is with : Porsche financial serve Porsche account XXXX I started a lease on XXXX XXXX for personal reason I stop making payments on XX/XX/XXXX when I got the car I down pay 7000 usd I was making payments of XXXX usd for a situation back in XXXX I stop making payments my wife got pregnant and at the same time I lost my job I understand that XXXX what we agree but i can say i really try to make this up till the las moment i try to make the payments but when out of my hands the concern i have is the i been told that the car been sold and i even have gap insurance and they steel reporting my every month on my credit report negative from then i got it on XXXX of XXXX the are keeping my life impossible with my credit my family got bigger I'm no able to buy a house i been staggering very bad with this situation on my credit XXXX of the major bureaus are reporting this information Wich are ( XXXX & XXXX XXXX the comment on my credit show as charged off account they been reporting on my credit even after the sold the car and got pay true the gap insurance I try contacting talking to then but there no way they can reconsider removing the information they are been posting from more the XXXX years since I don't have the vehicle on my possession I been doing things right at this point I just want be able to offer my family a decent place to live if there anything you can do to help me XXXX XXXX XXXX you the contact information from Porsche is : XXXX my name is XXXX XXXX XXXX