23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019, I contacted Capstone Credit Collections in regards to a debt that showed up on my credit report when I tried applying for an apartment. It showed that I owed a debt to two apartment complexes. I have never been evicted nor have I ever owed a balance to any apartment complex. The complex I applied to gave me the number to XXXX XXXX. I called XXXX XXXX and explained my situation. They gave me the name and number of the companies that was reporting two collections in question that was showing on my credit report. When I contacted Capstone on XXXX-19, I spoke with XXXX/XXXX whom I explained that I had applied for an apartment and this showed up on my credit report and I explained that this was not my debt, I never lived at said apartment complex and I would like for it to be corrected. She asked me how was I going to prove that I did not owe the debt. I advised that I could provide a copy of the lease of where I actually lived at that time. She rudely advised me that, that was not proof of anything. So I asked well what proof would you need. She advised me to email a copy of my driver 's license to XXXX so they could compare signatures. Which I did immediately. As I was asking her if there was anything else she needed, she became accusatory and told me if she didn't receive anything, they were going to hold me responsible for the debt. Since it was only one day before the weekend, I waited until Monday, XX/XX/XXXX to call and see how the investigation was going, I did not get an answer so I left a message. When my call was not returned the next day, I called again and left another message and sent an email inquiring about my dispute. I repeated this several times throughout the week and I have to receive any correspondence or have any of my calls returned about this debt that I do not owe. When I spoke to XXXX/XXXX I advised her that I am in a time crunch and have to move by XX/XX/XXXX.. I have been assigned to XXXX by my job and I must find somewhere to stay and I would need a letter from Capstone stating that this is not my debt. This company has refused to return my calls or emails after I provided them with the proof they told me they needed in order to furnish me with the letter that I need to be able to lease my new apartment. I understand that this business may receive these type of calls on a regular and people are trying to get over to get something off of their credit. I actually do not owe this debt and am willing to provide whatever proof this company needs so I can get what I need to move into my apartment in about a week. This company is highly unprofessional and if I need to file a lawsuit for violation of FDCPA, I will.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>, 2023 I was approached on XXXX to make a bitcoin transfer in the promise of a return of more than I sent. This went on for over a year and small denominations always promising to send it. I just made one more little payment to the tune of {$15000.00} Total and when I asked cash app to step in and help they said nothing they told me no sorry stop doing it. I have all the wallet IDs that I sent the money to plus thousands of text messages. And about crippled me financially destroyed my life.
Product: Debt collection

Todays date : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
Product: Credit card or prepaid card

In XX/XX/2019 I my Capitol one MasterCard got a fee of {$59.00}. I did not see a bill in my email for it and as I have always had XXXX balance on this card I havent been watching the account. In XXXX I a late fee was added new bill totaling {$89.00}, still never saw a bill. In XXXX another late fee was applied total bill is now {$120.00}. This bill I saw in my email. I payed it as soon as I saw it. I called but just get the run around. Not worried about the late fees after all it is a late payment but my credit took a hard hit. Last I looked while refinancing our home it was down to XXXX it used to be around XXXX! I have never before had a late payment seems pretty extreme for missing a payment on a XXXX  balance card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed that there have been several inquiries that have been added by someone that has stolen information. THIS IS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my report twice. I had ask equifax to have the lender to show proof the account is mine. I disputed this error off 2 other reports and it was removed but having an issue getting removed off of equifax. The gentleman told me that were different companies. I just dont understand how it doesnt show on other reports but this one.
Product: Credit card

I have two credit card accounts with Capital One bank which I have had for numerous years. I make my payments faithfully with 5+ years of on time payments. I attempted to login to make my payment due XX/XX/2024 and was unable due to issues with their website and mobile app. 

I attempted later again that day, with no success. It was a weekend, so I waited until the next business day the following week and when I logged on, they had charged me late fees on each account. I reached out via the customer service line to make my payment and get the fees removed, since it was an error on their end that prevented me from making my payment on time. They VERBALLY ACKNOWLEDGED that they had several issues with their payment processing over the weekend and that they had been getting many calls with the same issue, but REFUSED to remove the late fees.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX over {$8600.00} was charged onto my Military Star card by a roommate diagnosed with XXXX, but confessed to the charges on an email dated XX/XX/XXXX, I was also awarded a judgement against him in XXXX XXXX XXXX in XX/XX/XXXX. With that information provided to the Company, they refuse to relinquish financial responsibility of the debt to me and are holding me financially responsible as a senior citizen on a fixed income. My credit score has dropped and I have been denied credit. I filed a report with the XXXX, but was redirected to your agency when I received no resolution. I feel Military Star card is guilty of financial exploitation of senior citizens.
Product: Credit reporting or other personal consumer reports

Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXX am on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : 1. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
2. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
3. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : 1. The complete and permanent removal of this unvalidated debt from my credit report.

2. Written confirmation of the debts removal and an updated copy of my credit report upon completion.

Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Experien Membership # XXXX I have tried reaching Experien via telephone numbers given for them ( XXXX ) XXXX and ( XXXX ) XXXX for two weeks but their prompts keep asking same questions and I cant get anyone to help. I also went on their website experien.com to see if I could get any help there- no success. I wrote a letter to them on XX/XX/year> but still no reply! All I want to do is CANCEL my membership and not be charged anymore.
Product: Checking or savings account

I have attached proof of the fraud case i have been trying to solve with Bank of America. 
My checking and savings accounts were hacked on XX/XX/XXXX. 
Both accounts were emptied through XXXX transactions, online banking transactions and credit card payments. 

The money was completely withdrawn from both accounts from XX/XX/XXXX to XX/XX/XXXX. I have attached the proof of withdrawals with details included such as amounts, dates and transaction type. 

The Bank of America has returned only a portion of the money except for the withdrawals made through XXXX transactions for a total of {$13000.00}. 

We have submitted and resubmitted our fraud case to Bank of America several times and they have been prolonging their decision on the results of the case, since XX/XX/XXXX. 
I have waited several months, submitting documents and information from this case to Bank of America, just to find out the have denied my claim again. 

I want to report that this entity has not handle this fraud case professionally, they never submit any responses to my case even when they say they will send me correspondence, email me or call me once a decision has been reached, they never do. I am the one who is constantly calling the fraud department number and most of the time they do not have an answer for me ( even thought the timeframe they suggested has passed ). 

It is unimaginable that if they already returned part of the money involved on this fraud case, why would they deny the reimbursement of the XXXX transactions made on the same days of the other online banking withdrawals and other debits that were already reimbursed. 

These are my life savings and the sustain for my family, Bank of America does not seem to be willing to assist me after all the paperwork submitted proving I did not commit this fraud, including police report, letters explaining what happened and months of waiting.
Product: Checking or savings account

My debit card was stolen and I reported it the following morning using the automated text from the bank. They didn't block the card so it continued being used, so I used the email to block the card and was greeted with a page showing it was closed and a new one would be sent out. When I noticed it was still being used, I call to have it blocked and a new one sent out. It was still being used, so I eventually called and got the fraud department to open a claim and this finally blocked the card. They refuse to acknowledge they did not block the card appropriately when I reported it, and now are refusing to refund the money that was taken. When I re-opened the claim to be investigated with more information from my XXXX XXXX card ( showing I was not paying for everything in cash ), they then closed my account for " claim abuse ''
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX and XXXX XXXX  XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.
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 -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 1666B A billing error 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 reason being that I have made on time payments, however they were not used to pay my balance, instead they were placed on my escrow account. My mortgage payment on XX/XX/XXXX was not moved to pay my account as the taxes that year have changed. I called the same month to try to pay the balance, but was told I could not do that, that a check would be sent to my with my payment and I would have to make another payment with the entire amount. I have never received said check. 
Since then, XXXX has reported my payments being late, even though I have always made on-time payments ( I have set up automatic draft from my bank ). I continued calling XXXX to try make corrections since XXXX!. In XX/XX/XXXX, I again spoke to a representative and they were supposed to move the payment from XX/XX/XXXX ( which was in a reserve account and not applied to my monthly bill ) into my monthly bill payment, Again, this did not occur. I tried calling again to get this fixed, and each time a representative would come up with a different solution but nothing was done. Finally on XX/XX/XXXX, I got through a representative that corrected the issue. They stopped the late fees, moved my payments from XX/XX/XXXX and XX/XX/XXXX from reserves into account payment. Now my account is balanced. More than a year later! This has greatly affected me. XXXX Mortgage has been reporting late payments for over a year to all three credit agencies, which has damaged my credit score. Furthermore, I have been charged with late fees that should not be there. I have contacted XXXX in writing on XX/XX/XXXX, as well as the 3 credit buraus, XXXX has denied any wrong doing. I have NOT been late on my payments from XX/XX/XXXX to the present. Also, I though there was supposed to a cushion in Escrow account to prevent any changes in payments.
Product: Debt collection

In the months of XX/XX/XXXX and XXXX 2017, I made contact with NCC Business Services. Upon receiving payment for my collections they agreed to remove the collections from my credit. Since then they have NOT removed the item from my credit. Please pull up phone records with the company. I recently made contact with the company and they are still giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX. XXXX and SageStream were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX  until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit to another background check to do XXXX eats for XXXX. I consent to a background check with checkr that I assumed would only go back 7 years as they previously did. Checkr supplied adverse information on my background report to XXXX from 20 years ago. XXXX does not pay $ XXXX a year and I have never earned that from XXXX or any employer.