23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

issue is a fraudulently reported collection account my credit report for a mortgage has a collection account that is not mine. i contacted paramount recovery who over hte phone verified full name date of birth and ssi number none of which match my information and the lady i spoke to verified it was not me. however they said it would take 6 weeks to process the account to have it removed i reiterated that this fraudulent account ws affecting my ability to get a home loan then i asked for a manger. XXXX XXXX came on the line and he refused to reverify and stated " anyone can make up ssi numbers date of birth " which i replied i have sent you my ssi card and texas drivers license its not me. he refused to cooperate and have this account removed from my credit report. He was extremely rude and hostile. he verified the original creditor is XXXX XXXX XXXX- i spoke to a nice lady XXXX XXXX XXXX XXXX who handles the billing for XXXX XXXX XXXX XXXX who stated none of my information was in her system she stated that she is unable to contact the collection agency but that once they are contacted then she will verify this account is not mine its someone else. they wanted me to pay this debt even though its not mine i need to get my home and they are preventing me from doing that by fraudenlty reporting debt that is not mine and holding me hostage
Product: Credit reporting or other personal consumer reports

My XXXX XXXX shows me the fraudulent credit cards on my name that I have no knowledge about. Tried to dispute through XXXX ( several times ) and the dispute was denied. 
Reported both fraudulent accounts on Friday, XX/XX/year> with XXXX. 
Called XXXX on the phone today, XX/XX/year> and was advised to contact you, the CFPB.
Product: Credit card or prepaid card

Hi, I've just opened a CapitalOne Credit card ( Venture ) with  annual fee $ XXXX/year. I was using the card for my daily purchase and suddenly my card was block last week. I try to call the CapitalOne service many times but no reply and I still don't know why my card is blocked. 
My credit limit is {$5000.00} and my current balance is {$1700.00} Please help to solve this issue. 

Thanks
Product: Money transfer, virtual currency, or money service

J.P. Morgan Chase has a bank account for a scamming lease-to-own company called XXXX XXXX XXXX ( XXXX XXXX XXXX The owner of XXXX is XXXX XXXX. XXXX XXXX pressed my husband and I for {$5000.00} to complete our lease-purchase on a home. We sent the funds to XXXX via his XXXX Chase business bank account on XXXX XXXX. XXXX never sent the funds to the homeowner. We were completely unaware of this until XX/XX/2023. Upon further research, XXXX completely deleted the business webpage ( XXXX  ) and renamed his business XXXX XXXX XXXX. We reached out to Chases owner regarding the ongoing fraudulent activity, but did not get any response. Upon further review, XXXX XXXX has been sued and arrested for scamming several tens of thousands of dollars from individuals looking to purchase a home, that would not normally qualify a home loan. XXXX had the home listing on major home buying sites and a legitimate webpage. Chase has made not attempt to rectify this situation or retrieve the funds that were scammed out of us. This has been an ongoing issue that XXXX has presented to many people and has used Chase Bank to retrieve the funds.
Product: Money transfer, virtual currency, or money service

I looked on offerup at a listing with an item I was interested. It came with a number saying to text " XXXX '' and I got a response back for the item. The person supposedly names " XXXX XXXX '' told me I had to pay using XXXX. Which I used the TD Bank app and I sent money to someone names " XXXX XXXX '' with the phone number " XXXX '' I sent the money then a day later her told me I had to pay for a customs duty because my product was in XXXX for {$260.00}. By that point I wanted to get a refund for my money because I felt I should have to pay for a customs duty and I requested for one. Afterwards, he never sent me a response about giving me back a refund and stopped messaging me around XXXX EST XX/XX/2020.
Product: Mortgage

Concerning loan servicing transfer. On XX/XX/2023, I received a letter from Flagstar Bank notifying me that they were taking over my mortgage as of XX/XX/2023 -- the very next day. The letter is dated XX/XX/2023. Under either date, this plainly violates the requirement that I receive 15 days notice. I received absolutely XXXX notice from my actual service, XXXX XXXX XXXX. 

Why is this an issue? Because I have an autopayment scheduled to my old servicer set for XX/XX/2023, and it's too late to cancel that payment. I can not set up autopayment with the new servicer until XX/XX/XXXX. Per Flagstar 's letter, my old servicer stops receiving payments as of today. I tried to contact both servicers but did not receive the letter until the close of business. As of right now, it appears that I am both simultaneously going to pay my mortgage to an old servicer and, in the same month, fall behind on my mortgage with a new servicer. Even if the money is ultimately refunded and I am not charged late fees under the 60 day statutory protection period, this is causing immediate financial ( and emotional ) harm. Also -- how can I trust these companies to adhere to the 60 day safe harbor when they already violated the 15 day notice period?

All of this could have been avoided had these two servicers simply complied with the law, given me 15 days notice, and scheduled the transfer for XX/XX/XXXX.
Product: Debt collection

PORTFOLIO RECOVERY aquired my information from XXXX XXXX  without my consent and the original contract with my signature. This account was opened in XXXX and in XXXX it makes 7 years to be deleted but its still on my account in XXXX. I have wrote certified letters to each bureau and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : I believed BofA had committed a fraud on my EDD Benefit Payments. 

On ( XX/XX/2021 ), EDD had paid me 4 ( {$1500.00} ) and 1 ( {$750.00} ) benefits payments to my BofA Card. On the same day, BofA emailed me that 1 ( {$1500.00} ) and 1 ( {$750.00} ) was denied????

I called BovA, they told me that the rest of the payments will be deposited later because BofA wont allow too high of a payments transferred in one day. 

As of today, ( XX/XX/2021 ), Bank of America, still hasn't direct deposited the missing payments of 1 ( {$1500.00} ) and 1 ( {$750.00} ) from my last EDD payment. 

I checked my XXXX XXXX XXXX  deposit, still ONLY, 3 ( {$1500.00} ) was deposited from the ( XX/XX/2021 ) payments. 

* Missing 1 payments of ( {$1500.00} ) and 1 payment of ( {$750.00} ) have NOT been direct deposited to my XXXX XXXX  account. 

I had received 1 ( {$1500.00} ) deposited ( XX/XX/2021 ) BUT is for this week EDD certification, NOT ( XX/XX/2021 ) payments. 


help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX US DEPT . OF EDUCATIO XXXX
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX 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: Prepaid card

In XX/XX/year> I bought a debit card for my mother who has been in long term hospice in XXXX VA. This was to allow her to order items such as pin pointing materials to occupy her in addition to have visitors buy her food or coffee away from the XXXX XXXX XXXX. In XX/XX/year> there was a charge on the card for {$230.00} that she did not make. She was unable to make the purchase and the vendor/store is not even in the state of VA. We filed a dispute to the charge and it took 90 days to get an email that the dispute was not approved. I sent 5 emails and phone calls to them to determine the reason and I was advised they would call me back but each time they did not. I contacted the Corporate Office and left detailed message but no calls were returned. My mother could not have made this purchase she is bed-ridden and the card has never been outside her possession, and the company refuses to tell me why it was not approved and who the vendor / store was. As you may be aware the store codes are not public so looking them up for a citizen is impossible, but the company has access. As a result I had to purchase another card for my mother. Note this company has many branded cards that are available for different markets ( attachment ) Respectfully XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX Any help would be deeply appreciated.
Product: Mortgage

On XX/XX/XXXX I received a letter from my mortgage company, Vanderbilt Mortgage. The letter was dated XX/XX/XXXX. The purpose of the letter was to inform me that the servicing responsibilities for the loan were being transferred to XXXX XXXX XXXX and that this is effective as of the XX/XX/XXXX payment. I have had loans sold before but never with this short of notice. The law appears to require them to give me at least 15 days notice. The date of their letter was 15 days before the payment date, but that date doesnt count. The clock should start when I am notified, which was when I received their letter. Please hold them accountable for short cycling everyone to whom they did this. With a XXXX XX/XX/XXXX letter, the effective date should have been XXXX XX/XX/XXXX. I have auto draft set up with Vanderbilt, so in order to get back to that, I will have to make at least one separate payment to the new outfit. And as of XX/XX/XXXX, XXXX XXXX XXXX hadnt received my loan information from Vanderbilt, so I cant even make that payment yet. This is completely messed up. I recognize that the new lender has to give me a 60 day grace period for late payments, but if Vanderbilt had done their job right, this could have been seamless and there would be no need to rely on any waivers.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information continues to be on my credit report. There is no good number to call and speak to a living person to clear up discrepancies. This is extremely frustrating. There are some collection entries on my report that were removed by the hospital.Acct number XXXX The other credit reports have removed, but Experian still shows them. THey show me with a late payment for {$4.00} to XXXX in XX/XX/2019. This is inaccurate. They show a late payment for XXXX which was an agreement with XXXX and should have been removed
Product: Credit card or prepaid card

Purchased a XXXX product online through a Capital One Visa card for XXXX, was charged XXXX and XXXX. ( for some reason, these charges show up on different days - XX/XX/XXXX and XXXX ) I called to dispute the XXXX as never being authorized, credit card issued refund then 2 months later charged it back again claiming they'd sent forms ( they did not send forms ) and that XXXX says the charges are legit so end of story. XXXX has shut down the software i purchased on top of this, so now i've been charged XXXX and XXXX, the XXXX was never authorized and i have no product for any of these payments. I have an XXXX credit score, i make {$200000.00} a year, i pay off this credit card balance every month in the range of $ 2000- {$5000.00} a month, i'm hardly likely to try to steal software from XXXX in the first place, and in the second they've both kept money they never should have taken on top of the {$69.00} that was authorized AND shut off the product.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit card or prepaid card

XXXX XXXX is reporting late payments for a credit card I am not responsible for which is significantly negatively impacting my credit score making it near impossible to purchase a home. I am listed as an authorized user on an account opened by my Mother during high school that is in a payment program with Citi Bank / Citi Card. I ( the authorized user ) have no responsibility for this account, have never had any communication with Citi Card about the account, nor have I signed any agreements with Citi Card for the account. 

Myself and the primary card hold have made several attempts to have my name removed from the card without success. We have made several calls over the last several weeks with no success, at one point spending 3.5 hours on the phone being transferred around the various XXXX XXXX XXXX with all being unable to assist in a fairly routine action. We have also been given different information on how to remedy the situation, receiving at least ( 4 ) different fax # 's to send the request for removal. 

At this point we have not contact with the department apparently authorized to complete the requested action and have not choice but to continue sending faxes and calling various divisions at Citi Card to hope for removal.
Product: Debt collection

I have been receiving numerous collections calls for {$510.00} XXXX which are inflated move out costs from my old apartment complex which I paid in XX/XX/XXXX. ) XXXX XXXX XXXX  inflated my bill, had my balance at {$0.00} u til I called just to verify at the end of XXXX. 

I was issued a bill by XXXX in the leasing office for {$510.00} which I paid within hours ( to be sure I would stay in good standing with the housing authority. I knew the costs were inflated but because of the complexs business practices, I wanted to pay and hope for rectification later. 
The apartments sent me to collections on XX/XX/XXXX despite me already paying. I believe its partly in retaliation to me leaving a truthful u flattering XXXX review and them being biased with regards to housing recipients. 

I have been and am STILL receiving unwanted and unwarranted collection calls from XXXX XXXX even after providing proof of payment of the debt which is invalid to begin with, Ive still been rudely and aggressively harassed.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Removal of Unauthorized Credit Inquiry from XXXX Report I am writing to formally dispute and demand the immediate removal of an unauthorized credit inquiry from my XXXX credit report. My report lists an inquiry from Discover Financial Services that I did not authorize under the conditions disclosed to me : Discover Financial Services XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This inquiry was the result of a preapproval promotion which explicitly indicated that only a soft pull would be conducted. Contrary to this representation, a hard pull was made on my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a deceptive practice. 

The presence of this unauthorized hard inquiry is damaging my credit score and unjustly impacting my financial standing. I demand that this inquiry be removed from my credit report immediately. I expect prompt action on this matter and will not tolerate any delays. Failure to comply with this request will leave me with no choice but to escalate this matter further, including seeking legal action to protect my rights. 

I trust you will treat this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution. 

Sincerely, Me
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts i have Marked as inaccurate. 



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: Credit card

XXXX XXXX auto detailing with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen my information and opened a capital one quicksilver credit card with a limit of {$300.00} in XX/XX/2023. I called all credit Bureaus and capital one to report the fraudulent transaction. I requested capital one to send me a copy of that application so I may take it to the police to press charges but they explained to me that they can not do that. I have opened a case with the XXXX XXXX police dept with case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb - Card Service Inquiry from XX/XX/2018 National Credit Card Cos. They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX   health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score.

I want from you to remove that inquire because i did not request any credit from this institution.
Product: Credit reporting or other personal consumer reports

Greetings I'm a natural person a free man and an original creditor pursuant to 15 USC 1692a ( 4 ) writing to have these fraudulent accounts removed from my consumer report immediately I'm executing my XXXX given rights pursuant to 15 USC 1692b. This information has been reported to the federal trade commission, and I have documents to support my statements. This has caused me extreme emotional, mental, financial damage to my life drastically impacting my livelihood as a natural person. I've been a victim of such terrible identity theft and I'm demanding the removal of these fraudulent accounts immediately : XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX  XXXX {$400.00} XXXXXXXX XXXX XXXX XXXXXXXX {$300.00} XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I sent a cash for deletion written contract along with a money order certified/return receipt to XXXX XXXX. The contract and money order was received by XXXX XXXX on XX/XX/2019. The money order was deposited on XX/XX/2019. XXXX XXXX did not delete the tradeline or negative information from my credit reports. This was the binding agreement of the contract if the money order was cashed. 

XXXX XXXX has violated simple contract law by depositing my money order and not fulfilling the binding agreement. XXXX XXXX must now remove this tradeline from my credit reports.