23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Capital One ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/XXXX, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I in fact have a credit instead of a debt violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Then I received another email about the same allege debt ( violation of 1692c ) on XX/XX/XXXX, and XXXX XXXX and XX/XX/XXXX. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded mark as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/XXXX which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g
Product: Debt collection

The company healthcare finance direct is predatory. I talked to a customer service representative about not being understanding to people who get behind on non emergency medical bills. He told me if it was that bad I could file bankruptcy as a full time unemployed college student because if I couldn't afford to pay them $ XXXX dollars a month. I knew that wasn't true because I used to work for bankruptcy department in XXXX filing XXXX XXXX, XXXX, and XXXX bankruptcies. They also hold a predatory contract over people 's heads. He asked me if I read the contract to which I honestly answered no and said that they shouldn't have even given me a contract since I didn't have a line of credit. He said that's not his fault and despite the contract being predatory he should get as much money as the contract says. They kept threatening to send me to collections but would never actually send me to collections. The man who told me to file bankruptcy claims to be from North America but doesn't actually live in America. He isn't American and is telling American people to file bankruptcy. Their call center representatives are foreign and seem to have attitudes or evil intentions towards American consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is more of additional information to a previous complaint # XXXX. In that complaint I reported that Equifax claims they can not find a file using my identifying information. In other words, I don't have a credit file according to Equifax. However, just today I received something from Equifax that belies that claim. What I received today is a confirmation # XXXX where in they assert that they resolved my earlier claim, which was that they are reporting my credit data incorrectly. Specifically, they are FAILING TO report a DISMISSED bankruptcy in XXXX and a later DISCHARGED BANKRUPTCY IN XXXX XXXX. 
So now, with their accurately mailed confirmation to XXXX XXXX they have proved they have my file. But they are still reporting inaccurate data in my file. 
After wrestling with this for over 6 months, I ready to say that Equifax is INCAPABLE OF COLLECTING AND REPORTING PUBLIC INFORMATION. WE ARE KNOW ABOUT THEIR INABILITY TO KEEP DATA CONFIDENTIAL.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) 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 revolution process was unfair, and deceptive. As they did not comply with error resolution requirements. under the electronic fraud transfer act ( EFTA ) and Regulation E. these actions has cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Hello, My husband and I refinanced on our mortgage with FBC  on XX/XX/XXXX. We went from FHA loan to Conventional loan. Everything went well. We've had several mortgages with this lender. Our first payment was due on XX/XX/XXXX for {$1900.00}. We made our payment on XX/XX/XXXX. 
The end of XXXX we received an letter from FBC stating they sold or loan to XXXX XXXX- XXXX XXXX.I contacted XXXX XXXX the lender and was told that my paperwork and statement will be mailed to us within the next few business days. I called XXXX XXXX again the third week of XXXX and finally was able to get an account number to set up our account online to make a payment on XX/XX/XXXX we made our XXXX payment for {$1900.00} which was deducted from my account on XX/XX/XXXX. 

I've recently checked my credit report and saw that for the month of XX/XX/XXXX my husband and I were reported negatively that we were 30-90 days late with FBC Bank. This is inaccurate and we will like this matter to be rectified and immediately. We are doing another refinance and not only it's hindering our approval it's impacting our credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}
Product: Checking or savings account

On the date of XX/XX/year> at XXXX XXXX, my XXXX, XXXX XXXX XXXX went to our local FDIC XXXX bank, KEYBANK XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX She requested access to our {$26000.00} in savings and was told they could not furnish the request. She was then interrogated why she would need it and then ultimately told they did not have the cash to give to her. They stated she at most could have {$5000.00} and the rest would require order over a weeks time.
Product: Credit reporting

Transunion had a glitch in there system that violated the rights of their consumers under section 6. As a result, I have been gravely effected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
1. XXXX XXXX Inquiry XXXX XXXX, XXXX 2. XXXX Inquiry XXXX XXXX, XXXX 3. XXXX Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Inquiry XXXX XXXX, XXXX 5. XXXX XXXX Inquiry XXXX XXXX, XXXX 6. XXXX Inquiry XXXX XXXX, XXXX 7. XXXX XXXX Inquiry XXXX XXXX, XXXX 8. XXXX XXXX Inquiry XXXX XXXX, XXXX 9. XXXX Inquiry XXXX XXXX, XXXX 10. XXXX Inquiry XXXX XXXX, XXXX 11. XXXX XXXX Inquiry XXXX XXXX, XXXX 12. XXXX XXXX Inquiry XXXX XXXX, XXXX 13. XXXX XXXX Inquiry XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, CREDIT TECHNOLOGIES INC. add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an ongoing and unresolved inconsistency in how my payment status and payment history have been reported by Experian. This issue has been disputed multiple times in the past, yet despite my efforts, no corrective action has been taken. Upon reviewing my credit report, I discovered that Experian continues to report my payment status as Current, was past due 30 days, which is absolutely inaccurate. In contrast, XXXX XXXX XXXX have accurately reported the payment status as Paid or Paying as Agreed, which correctly reflects my payment history and financial behavior. Furthermore, I have identified an issue with my payment history, where XXXX has correctly reported the payment history, but Experian has reported it incorrectly. This persistent inaccuracy is a direct violation of the maximum possible accuracy requirement under 15 USC 1681e ( b ). It also represents a willful failure to comply with the FCRA, which mandates that all information reported to the credit bureaus must be accurate, complete, and substantiated. Despite having disputed this issue repeatedly, Experian has failed to take appropriate action and continues to misreport my payment status. This demonstrates a clear violation of 15 USC 1681n, which addresses willful noncompliance in the reporting of inaccurate information. XXXX refusal to update this information violates my rights under 15 USC 1681i, which requires that a credit bureau correct any disputed inaccuracies after conducting a reasonable investigation. The fact that this error has persisted despite my repeated disputes shows a blatant disregard for my legal rights and an unwillingness to resolve the issue in a timely manner. I demand that Experian immediately correct this error by updating my payment status to reflect PAID OR PAYING AS AGREED, as reported accurately by XXXX and XXXX.
Product: Vehicle loan or lease

The financial company supposed to have repoed the vehicle. I gave them the information where the car is located. It was located at the XXXX dealership in XXXX XXXX georgia for repairs. They attempted to repo the car 4 times at the dealership but the dealership said they had to pay a small fee to come on the property to repossess the car. So I think the financial company didn't pay so they didn't repo the car and I never got the car back because it was suppose to be removed there so I dnt know what happened to the car after that but they have the car on my credit report as a open account as if I still have the car. It's been 2 years now and it's still on my report as a open account. I financed the car in 2016. The car is a XXXX XXXX. It's not my fault the didn't repo the car. I gave the the address where it was located and the dealership said they attempted to 4 times but didn't want to pay the lot fee first.
Product: Checking or savings account

The company Navy Federal Credit Union, Ive been having overdraft fees and bounce checks due to pending transactions stating money been taking out and then when a deposit hit, they take the money out leaving less less money resulting in them saying overdraft, this has been going on since XXXX
Product: Debt collection

In 2008 I moved in to a basement apartment in XXXX, GA. When I called to set up the utilities with Georgia XXXX XXXX they put my name on both the upstairs dwelling and the basement apartment. I was only renting the basement apartment. I found out about this because I started getting bills for both units. I contacted Georgia XXXX XXXX to resolve the issue and they never corrected it. I contacted the owner of the dwelling multiple times. He only complained about how horrible the company is to work with and said he would see what he could do. When I moved XXXX months later I closed the account associated with my unit. The other account was not yet sorted out. I told the landlord about the issue and left it in his hands. Fast forward to the present. I have been working on improving my credit. I ran a report on myself to find that the bill is still unpaid and still in my name. Now a collections company is contacting me to collect the debt. The debt is not mine. It appears to be an error from the customer service representative who worked on setting up my account seven years ago. I am upset that a data entry error is now negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX XXXX XXXX  account number is XXXX - - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for 15 USC 1681e ( b ).
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I initiated a transaction totalling {$700.00} and {$140.00} respectively. Both transactions were declined by the system, however the funds were preauthorized and held from my available funds. 

Card company acknowledged the error on their side however states that it will take 7-10 days to resolve the issue. This is unacceptable.
Product: Mortgage

On XX/XX/XXXX I closed on a VA streamline refinance at my home with a notary. I was contacted by the closing company, XXXX  XXXX, on XX/XX/XXXX to inform me they had lost the closing package in their office. They instructed me to contact Freedom Mortgage for information about how the error would be resolved. 

When I contacted Freedom Mortgage on XX/XX/XXXX they confirmed that they were aware of the issue, but it was unprecedented, and it would take some time to resolve. At this time they confirmed my original mortgage had been paid off. No time frame was provided for resolution. No communication was received from Freedom Mortgage the following week. 

Saturday, XX/XX/XXXX my wife logged into our online portal. It showed our original mortgage had been re-instated, a payment was due, and late fees had been applied. The Freedom Mortgage escalation team was able to remove the late fees, but unable to confirm if a payment would need to be made. They assured me I would hear from someone on Monday to clarify and provide additional information. 

I received a call Monday from a Freedom Mortgage representative, who agreed to call me back at XXXX. I did not receive another call that day. I sent an email to the XXXX of Freedom Mortgage that night to ensure he was aware of the unprecedented situation and request his oversight to ensure a swift smooth resolution. I received no communication from Freedom Mortgage on XX/XX/XXXX. 

I called Freedom Mortgage on XX/XX/XXXX. I spoke with a member of the escalations team who assured me I would hear back from the person taking care of the issue by the end of the day. I had not heard back by XXXX, so I called back and was put in touch with XXXX XXXX the exception handling- team lead assigned to my issue. She informed me that a request had been submitted to take care of the mortgage payment in question, but had little information to offer on the process moving forward. 

I have not received any documentation of the error, nor have I been provided any clarification or transparency as to how this issue is being resolved other than I will need to close again. I have not received documentation of the loan payment they claim they made on XX/XX/XXXX. It is unclear if they are asking me to close on the same loan, or a new loan. They have scheduled me to close again on XX/XX/XXXX. 

I have asked on several occasions for documentation of this unusual situation for my records. To date Freedom Mortgage has only provided a letter from XXXX  XXXX stating that the closing had to be canceled with no mention of why. I asked for the reason of the cancellation of the closing to be included. I was informed this morning by XXXX XXXX at Freedom Mortgage that XXXX XXXX would not provide another statement. Upon contacting Mortgage XXXX, they confirmed they are in fact in the process of drafting the requested letter. They did not provide a time frame the documentation would be available. 

It would appear this error has been mishandled in many ways. Any oversight your organization can provide in this unusual situation would be appreciated.
Product: Checking or savings account

On XX/XX/year> XXXX, my check came in, I went to check my balance and saw that I only had {$48.00} well. I called the bank to ask what was happening and they told me there were XXXX transactions on my account and they gave me a phone number for the place that did the transaction canceled my card and told me to call back and tell him what I come up with will. I called the number and it was Pennsylvania 's licensing state licensing liquor. Department, and I've talked to them plenty times and they need a statement showing them what was taken for me, and how much the bank also took a {$110.00} themselves with no explanation. Why well, since they canceled my card, I've been trying for XXXX solid days. I can't get a life person on the phone. When I do get through it tells me. Call it non peak hours and hangs up on me. All my money was shaken by {$45.00} and I need. The company is willing to give it back to me if I can get what I need from the bank. But the bank I can't get through
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XX/XX/XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XX/XX/XXXXXXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX