23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have a Capital One Auto Account listed on my credit report that doesn't belong to me. I have sent in a debt validation letter to Cap One and my letter was ignored several times. I also sent in a ftc report because I was a victim of identity theft. I asked for the original contract with my wet signature as well as an audit trail of all accounting in regards to the origination of the so called loan and I never received anything in return. I demand that this account get removed from my credit report as soon as possible before I take legal actions. This account has been hurting my reputation with the banking system and I need this cleared from my credit report immediately. This account does not belong to me and I need capital one to stop reporting this fraudulent account and remove it from their records immediately
Product: Mortgage

I have been denied all HAMP modifications, MHA and streamline modifications. The only offer was for a prepayment plan which I can not afford. This is my primary residence and family home, I have two other loans with different banks and have been approved for modifications. There should be no reason I can not be afforded the opportunity to keep my home with a reasonable payment plan. I 'm very confused with all the different correspondence received and not received, on XX/XX/2017 received repayment plan then on XX/XX/2017 received mortgage modification reminder with a payment amount I can afford not sure what this company is telling me. Their customer service representatives are very rude and condescending. Not sure what kind of mortgage I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXXXXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX has removed all late payments from XXXX XXXX XXXX XXXX after conducting an internal investigation. I attached the letter here. I also attached my bank statement from XXXX  XXXX XXXX proving I was never late with XXXX XXXX XXXX XXXX. I have also attached a copy of the Consumer Report I filed with Federal Trade Commission against XXXX XXXX. I have also attached my proof of identity. And finally, I attached a Cease and Desist against XXXX XXXX. XXXX XXXX is to cease and desist all forms of communication with me though any and all mediums. The harassment from XXXX XXXX has to stop!! A consumer report is in fact a medium. Which means it's a communication. A deletion of XXXX XXXX account is required because by continuing to report this account on my consumer report it is a indirect communication.
Product: Credit reporting or other personal consumer reports

FTC Report XXXX XXXX Hello I am XXXX XXXX XXXX social security XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, XXXX and TransUnion, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX XXXX Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from XXXX. I did not give permission to XXXX XXXX to check my consumer report. If you notice the alleged account was opened on XXXX, So why is XXXX XXXX pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the Transunion and XXXX credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, a lease agreement for XXXX XXXX XXXX was signed with US Bank. Exhibit # 1 According to box # 4 from the agreement, the first payment of {$320.00} was collected on the Lease date, followed by 35 payments of {$320.00} due on the 31st of each month. 
The first payment was made by the credit card a few days in advance, XX/XX/XXXX. Exhibit # 2 On XX/XX/XXXX, I received a welcome letter from US Bank with account # XXXX On XX/XX/XXXX, I made my second payment of {$320.00} On XX/XX/XXXX, I received a letter from US Bank indicating that my account number has been changed from XXXX to XXXX for a strange reason ( Due to an internal processing error ). Exhibit # 3 Due to account number changed my second payment posting date changed from XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX, my last payment ( 36 ) of {$320.00} was posted. 
On XX/XX/XXXX, I received an additional statement from US Bank generated on XX/XX/XXXX with the same amount and due on XX/XX/XXXX. Exhibit # 4 On the same date I called US Bank and according to the representative I still need to make one payment On XX/XX/XXXX I started my own research ; download all transactions form the US Bank website and compare to my records. Exhibit # 5 Results are very straight forward ; US Bank recorded 35 transactions which I made in the past three years but did not include the first one which I made on XX/XX/XXXX, during the lease contract initiation. 
On XX/XX/XXXX, I called US Bank customer service again and ask to explain why my first payment was never recorded. The person I spoke to ( XXXX, employee ID : XXXX ) was not able to answer any of my questions. After keeping me online for more than 40 minutes he agreed to transfer me to the supervisor XXXX XXXX, phone # XXXX XXXX. As always happened, she was busy to answer my questions and he promised that she will call me back shortly. 
In approximately 40 minutes XXXX calls me and advice that US Bank, in fact, made a mistake by not including my first payment. He also said that I can ignore my recent bill. 
My request to provide me with the same information in writing, either by email or letter, as well as correct data on the website was refused by the XXXX.
Product: Debt collection

I received a letter in the mail from this office saying they are trying to collect a debt that they say I owe to XXXX  XXXX, XXXX I DO NOT HAVE A contract with this debt collector and it seem as thought they have acquired my personal information without my consent.
Product: Checking or savings account

I deposited XXXX good checks from XXXX into my citi saving account. 
Citi scanner is not right, and returned XXXX checks as bad checks. 
I spent a lot of time and talked the XXXX who paid me, and XXXX, and confoirmed both are good checks. 
I chatted citi, and chat asked me to deposit at a local citi bank. I went there, the local office called XXXX XXXXXXXX with me and confirmed they are good checks. 
so we deposited again. 

XXXX : Citi cashed one check and returned another with {$2.00} and fined me fee. 
I chatted again, the agent agreed to return the fee and {$2.00} As today {$2.00} was losing, he did not credit as what he told me. 
I chatted again, citi rejected to tell me who I can complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I notice this account on my consumer credit report with MCM claiming to own an alleged account from associated XXXX XXXX XXXX. According to IRS any account that is claimed to be charged off has filed a 1099-C and is considered an CERTIFICATE OF INDEBTNESS ( INCOME ) and the consumer are to claim those credits as income on tax filings to be in compliance. Therefore, discharged accounts are income and can not be reported on consumer personal credit report. 
Since my first demand was ignored I the consumer have put on notice of this demand with the FTC and States AG. This complaint will also be included in my CFPB complaint. Consumer will file federal suit within 14 days of your receipt of this demand if demand isnt fully met. 
This is a 2nd demand to have Midland Credit Management removed my private information from their system immediately as well as my consumer CREDIT REPORT. As you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to buy or obtain in anyway my private information including alleged debt and use it against me. This is an abusive and deceptive act. MCM has obtain my personal private information and what your company believe to be my private account information to collect credits off of by claiming to be owner of an account under the consumer name without a legal contract. I have no agreement with MCM. 
I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. I would like to know who authorized MCM to obtain personal and private information of mine without my consent? Please provide original security or any documents relating to an agreement between myself and MCM. Please provide documentary XX/XX/XXXX evidence of my authorizing of MCM to open an account in my name and infringe on my credit report. 
I ask that unless MCM can provide me the foregoing request, that you delete all my information. MCM is harassing me and failed to provide any documentary evidence of such alleged debt but instead has become in violation of not only FCRA and FDCPA but also the Rosenthal Act. 
As a XXXX XXXX under XXXX Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 
Per 15 USC 1681a consumer report can not have personal transaction history. This violation account on my consumer report has prevented me from equal and fair credit opportunities with damaging of the copyrighted name that MCM has opened an account under. I the consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. I have enclosed an invoice.
Product: Credit card

BANK OF AMERICA HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to two major credit reporting bureaus ( XXXX/Equifax ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all XXXX bureaus. To date, XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$200.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Equifax is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXX. Equifax is also reporting a {$0.00} credit limit. XXXX is reporting a {$200.00} credit limit. XXXX is reporting XX/XX/XXXX payment history as " paid ''. Equifax is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the XXXX and Equifax disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.
Product: Consumer Loan

I lease a motorcycle like 2 years ago, my motorcycle was stolen 3 months ago already and nothing has been cleared, I call and they always have some excuse, never is their fault, they are saying I 'm 2 months behind my payments and that my insurance company has n't paid the motorcycle yet, when I have my bank statement and I fax it to them showing I have made all my payments, also I have all the paperwork from my insurance company showing the check number and copy of the check and transaction showing that they have already received the money and cashed it, THEY TOOK THE MONEY ALREADY, and they still XXXX my credit and they do n't update the information in the system, it 's seems like they want your money and XXXX you the way they can ... I filled a claim with my CREDIT REPORT and with the XXXX already, next step is going to put a lawyer in this case and they can figure it out with them.
Product: Money transfer, virtual currency, or money service

I imitated a transfer on XX/XX/2023 and the money was debited from my bank account on XX/XX/2023. It was not until XX/XX/2023, that my money was available. They told me it takes time for ACH to process. Not that many days. 

Then when I went to put an order in to buy Bitcoin, the stated price was below the price they were charging me. The fees they charge are not detailed as well. 

Please see a screen shot below. There is a large spread between the {$37000.00} v {$38000.00} they are charging. 

BTC Bitcoin {$37000.00} Payment method USD balance BTC price {$38000.00} Subtotal {$4900.00} Fee {$74.00} Total {$5000.00}
Product: Debt collection

To whom it may concern, Portfolio Recovery Associates reported 2 accounts to the credit bureaus and has been contacting me about two debts they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report as {$880.00} and the other is {$730.00}. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX  and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entries. I am requesting just this or I will be forced to take legal action against Portfolio Recovery Associates at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair  Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified document as well as a copy of the document itself and the response I received from Portfolio Recovery and Associates regarding these accounts on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof. 

Thank you for your time and attention on this important matter,
Product: Debt collection

I lived in an apartment complex named XXXX XXXX I had a balance of {$420.00} that I paid upon moving out via money order. I received and email confirmation from XXXX XXXX stating that I no longer had a balance with them. XXXX months ago I began receiving calls from a collection agency XXXX XXXX XXXX saying I owed them that amount. I tried asking for them to confirm my information and they failed to comply. I tried calling and emailing XXXX XXXX to try to understand why I was being charged {$420.00} when I had already paid months prior but I never received a response or a call back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

With served papers to my home on XX/XX/XXXX to approximately XXXX XXXX. Date of letter from lawyer says XX/XX/XXXX, and stating I have 30 days to answer complaint, when already 9 days are gone. This was a debt with XXXX XXXX, which they chose to discharge around XX/XX/XXXX. Prior to this, had entered a payment agreement with found but they did not uphold their end by showing the debt paid as agreed. Now portfolio recovery is claiming they own the debt and are looking for a default judgment without allowing me time to answer their complaint.

I've out of work since XXXX of last year due to health and am now strictly on XXXX, there is absolutely no way I can afford to pay this debt. So not only do I have a debt on my credit report from a collection agency, but I also have the charge off from XXXX XXXX . So it feels like I am being penalized twice for the same debt. I asked portfolio recovery to prove that they owe this debt, as XXXX has already discharged this debt.
Product: Vehicle loan or lease

I spoke with BBVA compass rep. XX/XX/2020 about being in the hospital and regarding not being able to make payments at that time ... .and how the car note payment booklet they werent sending like they should have! I have been calling BBVA compass trying to get the charge off removed and account opened ... Sense XXXX No one has been able to help me ( they only quote its been charged off ) XXXX received no letters by mail stating any of the payment charge offs or letters requesting past due amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

FYI There was no category in your complaint system that specifically addressed my issue so this complaint may not be perfectly categorized ( maybe you could add an " other '' category ) The FCRA says I can get a copy of my reports from all agencies. I could not remember the name of my employer which submitted information on me to The Work Number. I  called to get my information but they would not give me my report without giving the specific name of an employer member which reported on me in the past. Some people have memory loss but this should not prevent them from obtaining there information. This is a violation of the FCRA.
Product: Consumer Loan

I have taken out a loan with Citizens One through XXXX financing a new XXXX. They sent me my loan number to setup my account online and when I try to do this and enter a username and password the website does not respond and I can not access anything at all. This has been over a week and I have called twice and they said they are submitting a work order. I am unable to access any information, dont know when my next due date is or how much I am being billed or if I will receive any correspondence about my upcoming payments. Pretty much left in the dark.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   has been running a hard credit check when I have NOT applied for credit and they have now done it  XXXX  and will not remove the information though I 've been in contact with them through a   XXXX   since  XXXX    XXXX   and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new  XXXX  in  XXXX   XXXX !
When I submitted the complaint on  XX/XX/XXXX  all that " Equifax did was to say that   XXXX    ran my report so it 's accurate. '' THIS IS A LIE. The FACT of the matter is that   XXXX   RAN MY CREDIT REPORT WITHOUT MY AUTHORIZATION, PERMISSION OR ME EVEN APPLYING FOR CREDIT WITH THEM OR THEIR AFFILIATES.
Saying that it is " accurate '' is FALSE AND FRAUDULENT BECAUSE THIS WAS DONE BY  XXXX  WITHOUT MY PERMISSION AN ILLEGAL ACTIVITY ACCORDING TO THE FCRA. IF I DID NOT APPLY FOR CREDIT, AS I DID NOT IT FOLLOWS THAT A HARD CREDIT INQUIRY CAN NOT BE ACCURATE! I WANT THOSE INQUIRIES REMOVED AND  XXXX  BLOCKED FROM RUNNING MY CREDIT UNLESS YOU HAVE PROOF THAT I ASKED THEM OR THEIR AFFILIATE FOR CREDIT!
REMOVE IT! The first time I filed the police report and the whole nine yard and this was supposed to be removed! It was n't and so now this is going to need to be ESCALATED and FIXED. IF I DID NOT APPLY FOR CREDIT THEY HAVE NO RIGHT TO RUN MY CREDIT AND EQUIFAX HAS NO RIGHT TO REPORT THAT I AUTHORIZED IT WHICH YOU ARE DOING BY HAVING IT LISTED ON MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my report. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void.

Nelnet site keeps crashing and will not allow for disputes at this time. XXXX XXXX keeps crashing anytime I put in a dispute as well. Says oops something went wrong. Try again later