23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX / {$790.00} / XX/XX/2021
Product: Payday loan, title loan, or personal loan

I borrowed {$2200.00} and theyre trying to charge me % XXXX just in interest alone skyrocketing the amount I owe to XXXX. I tried calling them to discuss paying off my loan in full with minimum interest but they didnt give a option or even a 3 month repayment plan at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Are furnishing late payments in my credit report, this is XXXX And has violated my rights as : 15 U.S Code 1666b- TIMING IF PAYMENTS, as it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definitions ; rules of construction- Exclusions-

Except as provided in paragraph the term consumer report doesnt not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 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

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these immediately : 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 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 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
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I went into the PNC bank XXXX at XXXX XXXX XXXX XXXX Ky XXXX. I initially dealt with a cashier named XXXX and then a manager named XXXX XXXX. I was trying to exchange a XXXX dollar bill that had become ripped. I had the complete bill and they refused to exchange it because they said that they could not read the entire serial number from both sides. There is only XXXX letter for XXXX side of the serial number that is slightly obscured. I have the image of the bill. They attempted to tape my bill and suggested that I let them tape it and then I take it to a store to spend. When I questioned this and asked what would the store do with this bill and told them it was absurd they refused still even after I mentioned the rules stating only 50 % of the bill is required according to government websites.
Product: Credit card or prepaid card

I'm a federally protected consumer and my rights have been violated by Capital One. On XX/XX/XXXX I mailed a tender of payment in the amount of {$400.00} via a postal money order, certified mail, with a green return receipt. That payment was delivered to Capital One payment center and signed for on XX/XX/XXXX. On XX/XX/XXXX a credit of {$1.00} was applied to my account. On XX/XX/XXXX I called member care to address the issue. I was told by the agent that the credit was applied properly. I asked the agent if Capital One follows Federal and State laws and she said yes. I then explained to her the federal and state laws concerning tender of payment and she didn't know what I was referring to. I asked her if the call was being recorded and she said yes. I informed her that I was recording as well and she told me that I couldn't and if I didn't stop she would end the call. I asked to speak with a supervisor so she transferred me. When I was connected to the supervisor I explained my issue and I explained how the other agent tried to end the call because I was recording. The supervisor then told me that its company policy for Capital One employees to not let themselves be recorded by customers and then she terminated the call. What type of shady business practices does a company commit if it trains it's employees to not let themselves be recorded!? On XX/XX/XXXX I mailed in a billing error notice to Capital One 's billing error resolution department via certified mail with a green return receipt. The billing error was delivered on XX/XX/XXXX. As of XX/XX/XXXX my issue has not been resolved and Capital One hasn't followed the requirements of 12 CFR 1026.13 Billing Error Resolution. According to 12 CFR 1026.13 Capital One is supposed to send and acknowledgment of my notice within 30 days, conduct an investigation within 2 billing cycles, and stop all collection attempts on the amount in error. Capital One is also required by law not to restrict the account in question until the investigation is complete. After their investigation they are required to correct the error and mail a correction notice. If there was no error, they are required to mail me an explanation of why no error occurred, documentary evidence, and allow me 10 days to make a payment. Instead Capital One has ignored my letter, continued collection attempts, restricted my account, and charged me late fees and interest fees. Capital One has intentionally violated my federally protected consumer rights. They have demonstrated that they do not follow Florida statutes, the Code of Federal Regulations, the Uniform Commercial Codes, or the United States Codes. This is extortion, fraud, and interference with commerce which is a felony under the RICO act! I did everything I was required to do by law to make payment and to report a billing error, but I am still a victim to Capital One 's illegal and shady business practices. I sent everything certified mail, I have receipts, signed green slips, hardcopies, photo evidence, and recorded phone calls with Capital One member care agents. I will be seeking remedy.
Product: Money transfer, virtual currency, or money service

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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automotive Credit corp is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, XXXX and XXXX. Automotive credit corp has verified and certified the furnished information is accurate. I then did my own investigation and determined that Automotive does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale Automotive credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to Automotive credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires Automotive credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to Automotive Credit they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for and 5 months of charge off reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions 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 An 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: Mortgage

On XXXX I filed a complaint against Bank of America # XXXX. 
Complaint was close as of XXXX. Today I received the Mortgage Satisfaction ( SP ). 
But it was only released lien against deed on the land. I've called Bank of America 8 time. to inform them the title had come from XXXX. The SP had on information it about the title. I called the XXXX, found out that after I paid Bank of America {$930.00} in the mortgage contract inXXXX the title was transferred in my name. 
They failed to so they violated the terms of the contract. Law would call that fraud. 
Under SC Law the Bank had 90 days to get me all of the paper work, 138 days and counting.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting

While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Product: Bank account or service

Bank of America , N.A . lost 14 years of trust records in which I am a beneficairy and never informed me that it lost the records. Bank of America can not account for large sums of money missing. Bank of America refuses to compensate me for the lost funds. Bank of America has not reported to lost records and funds as it is required to do under the patriot act.
Product: Checking or savings account

I opened a new savings account on XX/XX/2022 and deposited {$24000.00}. I made another deposit of {$1000.00} on XX/XX/2022. The funds were removed IMMEDIATELY from the account of my transferring bank. 

However, nearly two weeks later I still have no access to my money because Discover claims they have to " verify '' the funds. Both withdrawals have already posted to my account and Discover refuses to release my funds or close the account and give me back my money. XXXX has already removed the money from my account and yet XXXX Discover claims it still needs to be verified. 

I have also incurred several late charges because I made payments to my credit card using this new account and the payments were returned. This has caused irreparable damage to my relationships with my other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax a letter on XX/XX/23 to request, the a credit report was accurate and correct .When i received the up dated report .The XXXX account was, different on the on every Credit report. The payment history and the charge off date and account type -detail. Plus there was several more errors. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States, I have a right to my privacy 15 U.S.C 1681 604 A section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I was given a student loan with Sallie Mae ( now Navient ). I was XXXX at the time and didnt know what I was doing. The initial amount was for {$10000.00}. The loan now is around {$25000.00}. Over the years Navient has urged me to pay the minimum amount of apply for forbearance with ballooned the loan up to 200 % what it initially was. Navient has been unwilling to lower the interest rate or principal amount. 

My complaint is that they use deceptive practices to naive college students to keep them in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off on XX/XX/XXXX. XXXX XXXX XXXX is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX
Product: Debt collection

Axia billing department stated they sent me statements three different times-once in XXXX, where I paid the amount due ( {$17.00} ), but they state I still had a balance ( {$66.00} ) after the coinsurance paid their part. They state they tried to contact me, via the United States postal service with a standard letter, in XXXX, XXXX and XXXX. I never received any statements, therefore it wasnt paid. Instead of contacting me through another form of communication ( for example, telephone or email ), they sent me to collections. I called them and paid the bill on the spot.
Product: Credit reporting

This complaint and concern is against Equifax. I have disputed several items and credit inquiries with this bureau. Equifax is the worst credit reporting bureau when it comes to the consumers. When I call, I get the run around and faslse information. I disputed inquiries that I did not authorize and I had a fraud alert on my file and still do till this day. These inquiries are not associated with any account I have or for any Firm offer of credit, Insurance, Employment or court order. Equifax sent me a letter stating, to call the company who put this inquiry on my file. I called all these companies and was told they do n't remove inquiries. And to call the credit bureau to do so. It 's a bunch of back and forth. Equifax do not to attempt to remove unauthorized inquiries. The only thing they do is keep a " fraud alert '' on my file even though noone has ever called me to verify information. And all this inquiries was done online not in person. 
Another concern is I have a company named XXXX on ( XXXX ) on my file. I have attached my credit report for verification. XXXX and XXXX has removed this account that is not mine. However, Equifax failed to do so. Equifax is not and have not properly investigated this account. If the other XXXX bureaus could not legitimate reason for the account and removed it. Why have n't Equifax done so. ( Please remove ) Last but not least. I have attached a letter from Dept of Education. They sent authorization for all XXXX bureaus to remove this account due to rehabilitation. The credit bureaus removed the account EXCEPT Equifax. It still remains on my account only for Equifax. Clearly Equifax is not here to help the consumers when properly verifying and clearly is not upholding to FCRA law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Current Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OR XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, OR XXXX Incorrect Name- XXXX, XXXXXXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

Repeated phone calls incoming from Portfolio Recovery from multiple numbers, including : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Product: Credit card or prepaid card

I was given  a {$50.00} Netspend debit card as a gift . The card did not indicate that there 's an outrageous {$5.00} monthly maintenance fee! The entire gift was thereby lost. What an awful company!
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX  Date of Inquiry XX/XX/year>