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

15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Accounts : XXXX XXXX XXXX, Opened XX/XX/XXXX. XXXX  {$150.00} XXXXDept of Ed- {$300000.00} Opened XX/XX/year> These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt or credit management

On XXXX Wells Fargo debited my account without funds available placing my account in the negative
Product: Debt collection

Received mail on XX/XX/21 from NCB Management Services Incorporated attempting to collect a debt. The initial communication does not meet the FDCPA requirements for this communication. It does not include the itemized amount of the debt reflecting interest, fees, payments, and credits since the itemization date, and the itemization date. Further, the letter does not meet the requirements of 15 U.S.C. 1692g ( a ) where the collector must include a tear-off dispute form with pre-written prompts for disputing the debt in the validation notice. 

I do not believe I owe this debt, but I will handle that matter outside of this complaint.
Product: Student loan

I went to school from XX/XX/XXXX-XX/XX/XXXX, was injured at work and had to drop out. I was off work for a XXXX and went back to work in XX/XX/XXXX. They started garnishing my wages and took all of my refund money. I now have a descent paying job and they keep selling my loans to other companies and charging me 25 %. When I pay the 25 % off they sell it again. I borrowed around 50k and paid off at least 25k and still owe XXXX! The current owners of my student loans are XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX . Previous owners include XXXX XXXX and Ascendium. The only company whom I was able to get ahold of for my balance was XXXX XXXX XXXX. These companies are making it literally impossible to pay off student loans! When I am being garnished {$800.00} per month I cant afford an extra payment, not to mention when I try to call them, the put you through 5 different people and send you to a voicemail that never responded back! Please help! My credit score has already been destroyed and I cant even get a mortgage for a house!
Product: Credit card or prepaid card

I submitted a permanent opt-out to stop receiving credit card offers in the mail, yet Citi has chosen to completely ignore this request and still sends me junk mail all the time. I've reached out to Citi XXXX asking them to stop and they won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for inaccurate reporting and unfair reinvestigation practices in violation of the FCRA specifically 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ( a ) ( 5 ). Despite my detailed dispute, Equifax failed to correct clear discrepancies in my credit report and appears to have accepted inaccurate information without proper verification or never conducted a reinvestigation in general. According to my records ( See Exhibits ) Equifax asserts that all information reported is 100 % accurate and doesn't retains correction but the exhibits shows that Equifax is reporting that I made a payment in XX/XX/year>, and did not may a payment on XX/XX/year> which conflicts with both my records and the lenders records XXXX XXXX XXXX XXXX ). Additionally in XX/XX/year> Equifax simultaneously report me as 90 days past due for both XXXX and XX/XX/year>, which is impossible. You can not be 90 days past due two months in a row. The credit report lists a balance of {$34000.00}, whereas the deficiency balance on my records is {$34000.00}. 
Additionally, Equifax reports the deficiency date as XX/XX/year> when, according to my documentation, it should be XXXX XXXXThese inconsistencies prove that Equifax did not properly verify the disputed information. I respectfully request the CFPB to investigate this matter. XXXX actions suggest a disregard for FCRA procedures and consumers rights to accurate credit information. Given that the CFPB is already involved in legal actions against similar practices, I urge the Bureau to take notice of this additional instance of improper handling.
Product: Credit reporting or other personal consumer reports

I was told by Capital One this was updated on XX/XX/XXXX and XXXX is not updating it.. 
Please have XXXX update it!! Its XXXX not XXXX, makes a big difference with credit scores! I would like to take advantage of better scores and rates. I was turned down by a Credit Bureau for a Refinance and am needing to try again!! 


CAPITAL ONE Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes.
Product: Checking or savings account

On XX/XX/2022, I opened a US Bank checking account from a US Bank page that stated if I met specific requirements, I would receive a {$500.00} bonus. I clicked on the button below the offer " Apply now ''. I went through the application process, and the account was opened. 

I met all the requirements : - Enroll in online banking. 
- Complete two or more direct deposits totaling {$6000.00} or more to receive {$500.00} bonus. 

I did not receive the bonus promised. 

I spoke with a customer service representative XXXX XXXX XXXX, and she said that I was not eligible for the bonus because the offer was meant for a different person. XXXX stated that I must have received the link to the offer page from someone else. 

That is not correct. I did not receive a link from someone else. I found the offer on the US Bank 's own website. 

I asked XXXX for a physical address so I could send a complaint and she said they don't have a physical address she could give me. She gave me an email address XXXX. I sent the complaint to this address but didn't receive any acknowledgment or response. 

I am attaching the printout of the webpage where I found the offer and the button I used to submit the application. 

I would appreciate the bank reviewing my case and letting me know if they will honor the bonus offer.
Product: Money transfer, virtual currency, or money service

My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.
Product: Debt collection

XX/XX/year> LVNV Funding LLC and C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Request for Debt Validation Reference Number : XXXX Dear Sir/Madam, I am writing to formally address my concerns regarding the validation of debt I received. Specifically, my concerns were not adequately addressed by XXXX, the Manager of Complaints and Regulatory Affairs, as the response I received lacked essential documentation. 
The validation provided did not include the following critical items : XXXX. A copy of the original signed agreement or contract that created the debt in question. 
XXXX. Proof of authorization to collect the debt, including any assignment of the debt to your company.

3. A detailed payment history, showing any payments or adjustments made to the account.

4. Documentation from the original creditor regarding the charge-off placed on my credit report, including the requested 1099-C form, cancellation of debt showing the amount and date of cancellation. Violation of IRC Section 6050P ( a ), a creditor is required to file a 1099-C form when they cancel a debt of {$600.00} or more 5. Proper validation of my personal information, including verification of my address and Social Security number.

6. A comprehensive account summary to substantiate the debt.

Without this necessary documentation, I am unable to verify the legitimacy of the debt and can not proceed with any further action. 
Please consider this letter as a formal request to validate the debt. I respectfully request that you provide the missing documentation as outlined above. As required by law, until you provide the requested validation, I can not acknowledge the debt or proceed with any further communication on this matter. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease. 
Thank you for your cooperation.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied for a card using a brochure that my partner brought home from a flight. 

The no annual fee for the first year was appealing and so I applied, and received my credit card. 

In XXXX, I used it immediately and the first statement showed the annual fee. I called in XX/XX/XXXX to see if this was a mistake. I received a generic letter as a response on XX/XX/XXXX. It did not answer why I did not get the annual fee for the first year waived or credited back to me. 

The supervisor who took my call indicated that I had not filled out the application and handed it to an XXXX XXXX personell at the time the brochure was given. 

This ridiculous, tepid response negates the language on the front of the brochure which I am attaching. 

Would you review and determine if I am incorrect in understanding what no annual fee means? I understand that it is a fee that provides me benefits and that the subsequent years I have the card, I would pay the fee. 

Thank you for your consideration. I am attaching the brochure, code XXXX. I used this information when I applied online so I did not fill it out. I also attached the response I did receive from Barclay 's. 

XXXX XXXX XXXX XXXX XXXX card number is XXXX XXXX XXXX XXXX. 
I am XXXX XXXX I reside at XXXX XXXX XXXX, XXXX, FL XXXX My email is XXXX XXXX
Product: Credit card or prepaid card

I had an PAY PAL account and I keep getting a fraud notice ( 2-3 times a month ) believed originated from XXXX keep saying that the credit card was fraud using as below : PayPal XXXX XXXX To : XXXX XXXX XXXX % % % % XXXX % % % %, XXXX beluieve tuhat an unuauuthuoriuzed puaruty may hauve acuceussed your acucount, to purotuect your acucuouunut wue huavue teumpuoraruily ruesutriucted acuceuss to youur acucuount and youur lisutiungs have beuen deuactuivauted, wue hauve also removed any buaunk acucouunt and crueduit caurd infourmatuiuoun.

Tuo reugauin auccueusus tuo yuouur auccuouunt, cuomupleute thue fuoulluowuing steups wiuthuiun 2u4 huouurus.

Guo tuo aucucuouuunut
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX  and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files Equifax and XXXX still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!
Product: Mortgage

I believe Nationstar Mortga ge, LLC may be co mmitting widespread fraudulent adjustment of variable mortgage interest rate loans, at rates higher than legally allowed in the mortgage contr act : 1. Nationstar acq uired our adjustable interest rate mortgage last Fall from previous holder,  XXXX   2. First  adjustment notice under  Nationstar r eceived  XXXX   XXXX ,   XXXX  , indicating interest rate increase from 3.500 % to 4.12 5 % 3. Cont ract provides  for MAXIMUM rate increase of 2.25 % + LIBOR rate  in place at 45 days prior to change date  4. Nationstar adjustment to 4.125 % would equal LIBOR rate of 1.875 5. On the 45th day prior to the change date the ACTUAL LIBOR was only 1.81. During the 30-day period around the change date ( 15 days prior and 15 days post ) ALL LIBOR rates were lower than the 1.875 6. Using the actual 45-day prior LIBOR, our adjusted interest rate should have legally been 4.06, NOT 4.125 % 7. The difference in rate would illegally cause us to pay tens of thousands of dollars in additional interest over the life of the loan 8. A com plaint filed online with Nationstar on  XXXX   XXXX ,   XXXX   has remained unanswered  9. If this is a systemic practice, all adjustable rate mortgage holders with Nationstar could be being charged hundreds of millions of dollars in fraudulent interest 10. Seeking investigation into both our loan and whether this is a company-wide fraudulent busines s practice
Product: Credit card

On XXXX XX/XX/year> I attempted to make a purchase using my AMEX Business credit card and was declined. I contacted AMEX only to find out/be told that my credit limit had been reduced because of inquiries, other credit limits and my XXXX score. I entered into a contract with AMEX on XX/XX/year> with a {$5000.00} credit limit, 2 weeks later I looked online at the credit limit was {$3000.00} ( no correspondence was sent explaining why ). XX/XX/year> AMEX ran my credit without my written or verbal permission to pull a FICO of XXXX and at that time decided to lower the business credit even lower to {$900.00} and sent a letter on XX/XX/year> that still has not arrived. I asked 2 representatives on XXXX XX/XX/year> for a copy of the initial credit report pulled, initial contract we went into with the {$5000.00} credit limit, a copy of the credit report pulled on XX/XX/XXXX XXXX and a copy of the decision letter. I was told that those items were system generated and that they could not send me any copies, I asked why and was told that any correspondence sent by AMEX is system generator and that AMEX has done nothing illegal by reviewing my credit to make a decision to increase or decrease my business credit. When I spoke up and said that I had not given written or verbal permission to run my credit I was told that it was a summary review and in the initial credit card agreement I agreed to allow AMEX to review and run my credit for updates.
Product: Debt collection

I submitted a complaint on XXXX. The company responded on XXXX but did not address my complaint. I have since tried to contact them by phone and email to which they have not responded. Original complaint XXXX.
Product: Credit reporting or other personal consumer reports

Throughout 2024, I wrote to Westar Mortgage asking for the XXXX accounting entries, proof of equal consideration, as well as the Original Warranty Deed and Mortgage Title. 

The company continued to be non responsive. 

I have never had a contract with Westar Mortgage and they are operating in fraud. They claim to not be debt collector, however they are not an original creditor.

This is impacting me from gaining housing presently.

My files are in storage due to living in transitional veterans homeless housing and I do not have immediate access to all of the letters sent to Westar Mortgage that have been unanswered.

I do not even own the property they are referring to.
Product: Debt collection

This is in regards to two ( 2 ) each cable boxes that were returned in XXXX when we stopped using their cable TV service. We continued with the cable internet ( no leased equipment ). 

The cable boxes were returned to XXXX  at their XXXX Indiana location. 

For approximately five ( 5 ) years I received no communication from XXXX or anyone else regarding any equipment or any other issues until we sold the house and stopped using any of their services in XXXX of XXXX and moved internationally. 

I have spoken to XXXX and explained to customer service about the return of the cable box. 

I have no intentions of paying this, I complied with return instructions, If XXXX is unable to properly record returns it is their problem.
Product: Mortgage

I have called planet home lending multiple times on this. 

They have been double drafting my account since XX/XX/XXXX. 

It has been a very confusing process getting payments set up on this mortgage. 

When I first used the website almost 8 months ago and attempted to set up auto payment, I was prompted that it would not be possible without some sort of written consent, which I did NOT send in. 

After I used the website, I called the customer number and asked about it, and was told that I did not have auto pay set up. 

So I set up payments through the phone. 

In XXXX, I ended up paying twice, and in XXXX as well. 

Since I was 2 months ahead, and was credited as such, I held off from paying until XXXX. 

When I called in XXXX to verify if there were any payments set up, I was told there was not. 

So I set up payments over the phone again, for XXXX and XXXX. 

In XXXX, two payments were taken out again, so I called planet home lending again, told them to axe the payment I request in XXXX, and I made the request for the payment to be axed on XX/XX/XXXX. 

XX/XX/XXXX, they did the exact same thing. 

When I called to ask about it, The customer service rep told me right away that I was set up for auto payments, and she was the first rep from planet home lending to ever inform me of that. 

They have my email and mailing address on file, I verified it, and asked for specific, direct instructions to fix the problems their mis information in regards to my account was causing, and they would not provide the information, stating it was against the law. 

I informed them at that point I would be lodging a complaint against their company, and may hodl the money in escro and refuse to pay until they have it resolved.
Product: Money transfer, virtual currency, or money service

This is regarding my Coinbase account.

My cell phone was stolen and as a result I had to switch to a new cellphone however maintaining the same phone number.

As Coinbase uses an authenticator application to verify ( which was in my old cell phone ) I can no longer access my own account.

After repeated contact with Coinbase help desk I only receive emails that someone is looking into it, but no results.

Surely there has to be a company policy in how to deal with a stolen cellphone issue like mine and resolve that quickly. 
Please help XXXX XXXX
Product: Checking or savings account

On XX/XX/23, I sold a bed to a friend and she paid me via paypal. I was charged a {$5.00} fee by Paypal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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, credit repair services, or other personal consumer reports

The Company name is Credit Collection Services. This company is listed on my credit report for debt of {$670.00}, I have never had contact of any kind with this company and also never received any info regarding this amount. Please provide thorough investigation into the accuracy of this debt. Again there was no info ever sent regarding this matter which has harmed my credit.
Product: Debt collection

Upon checking my recent credit report I noticed an account from a LVNV Funding. I have not received a written notice to dispute the validity of this debt. I will need time to review this once I have received this notice so that if it is valid I may get the issue resolved.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX
Product: Credit reporting

My credit score went down a lot and the information on my credit report is not mine!