23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

ATT IS SAYING THAT I OWE A BALANCEOF {$6600.00} WHICH I DONOT SOMEONE MUST HAVE USED MY NAME WHICH IT WAS ALOT OF PHONE FRAUD IN MICHGAN AND AROUND WHERE I LIVE I REPORTED IT TO THEM BUT THIS ACCOUNT WAS SENT TO COLLECTIONS WHICH THE NAME OF THE COLLECTION COMPANY IS ( AFNI ).
Product: Debt collection

It is VERY CLEAR that Capital One Bank has violated my consumer rights, I, XXXX XXXX. 

Dated on XX/XX/XXXX at XXXX XXXX Est, I was on the Credit Reporting Agencys XXXX website and just going through all the negative items on my consumer reports due to all the stress and anxiety these negative items has caused me by all these CROOKS has put upon me and seeking all my consumer rights to resolve the issues. 

However, Capital One is in BOLD VIOLATIONS in various areas.

Here is just one, so, CFPB please pay attention to me, an consumer..

Federal law states below 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on a
n account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

So CFPB is this very clear to you?

Capital One have violated 15 U.S. Code 1666d - Treatment of credit balances.

Capital One is currently reporting to Credit Reporting Agencys remaining credit balance {$5700.00} Capital One has been reporting an balance since XX/XX/XXXX and has failed to refund me my funds. 

Today is XX/XX/XXXX. 

Now Capital One Bank have my account as Charged Off which will require a 1099c form, and Capital One has never provided me this misleading information 15 U.S. Code 1692e - False or misleading representations. Capital One is harassing me on a daily basis em
ailing me stating I owe them, how? When I am the original creditor.

What happened to The Truth In Lending Act?

15 U.S. Code 1681 Capital One Bank is in violation!
Product: Credit card or prepaid card

My problem is with Bank of America. I had had a credit card with them and every payment I made was returned and by the time I called in XX/XX/2021 explaining how my payments were being returned for no reason I had too many returned payments and they shut my card off and closed the account, impacting my credit score negatively. I since have been trying to pay off the remaining {$600.00} on the credit card and they are now deducting the money from my debit card and not putting it towards my credit account. The {$35.00} from last month and {$87.00} from this month I made on XXXX are still deducted from my checking and have not been applied toward my credit account at all. I called today XXXX and told them this issue keeps happening and they said they will try to reimburse the {$35.00} late fee I was charge, but their system is down. They also stated the reason my payments are but going through is also because their mobile payment system is down. If their system was down why is money being deducted from my account and not being applied anywhere? This is beginning to negatively harm my credit score tremendously and it has been on going for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints in regards to account XXXX in the amount of {$520.00}. This account is being reported twice on my credit report, causing me to have a lower score, which is causing me unfavorable terms. I am also requesting for you guys to provide proof of the alleged item, specifically the contract, note, or any other instrument bearing my signature.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, someone broke into my home and stole all of my credit cards, identification, and other personal belongings. I immediately filed a police report regarding the break-in and theft ( which I can provide if needed ). As a result, I had extremely limited access to my funds and was focused on recovering from this traumatic event. 

In XX/XX/XXXX, during this period of instability, Affirm reported a late payment on my account. Due to the unforeseen circumstances and the effort I was putting into restoring my identity, I was unable to meet the payment deadline. I was doing everything in my power to recover and get back on track financially, but the challenges caused by the break-in significantly impacted my ability to make timely payments. 

I reached out to Affirm to explain the situation but haven't had success in resolving this issue. I would greatly appreciate your help in addressing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.
Product: Mortgage

Please help me to get removed from wells Fargo i have always been paying my insurance. Please see my attachment.. some customers service agents don't understand why wells Fargo enforce escrow in my account. I called wells Fargo insurance department and they told me that only customers service department is to remove escrow from my mortgage account. Please help because I paying double insurance from escrow and my own insurance from XXXX fro what I know it is illegal what they are doing! I am XXXX  speaking if not I will try my best in English thank you
Product: Money transfer, virtual currency, or money service

XXXX Called fraud department of Citizens bank XXXX XXXX ( She XXXX said after a police incident was forwarded to them that I file a police report and I said what? I have the transmission of the fax sent that had the police incident report of the scammer ). 

They said they sent monies to me which where scammed from my financial institution of XXXX XXXX and Citizens Bank from May 15- 2024 until XXXX XXXX approximately {$3500.00} from XXXX XXXX and {$4700.00} from Citizens Bank in which XXXX XXXX account was linked to Citizens Bank. ) I did not receive ( I have No access to receive wired monies and they claim I knew and did this with all phone transactions etc. and how I said? There response XXXX at XXXX XXXX at same number XXXX. ) any monies I told them at citizens bank by phone and I said the scammer did this to me in a false identity and fraud and you sent the monies to him as I conclude from the previous caller at citizens bank named XXXX that all monies where sent to me by wire ( lAnd I said how I do not have access to receive wire monies ). I did receive any monies ( {$8200.00} ) Citizens Bank had Locked my Account before I called on XX/XX/year> that I learned of the monies scammed! I asked the the branch manager XXXX how? ( Her response ( XXXX said it was an inside job and very high up in all ) In which the Citizens Bank company ( AND ALL INVOLVED IN CITIZENS BANKING SYSTEMS AND THE SCAMMERS NEW HOW AND WHERE TO GET ALL OF MY HARD WORKED MONIES ) locked account before I learned of the scam ( Their people said it was an inside job on the phone XXXX XXXX was the name in charge of XXXX XXXX Citizens for the Customer etc. ). Please do something this is more than a PRINCIPLE that should be taken that the FINANCIAL INSTITUTIONS I LEARNED HAVE INSURANCE AND THEY SHOUKD PAY FOR THINGS NO ONE SHOULD BE ABKE TO DO ( SUCH AS STEAL MY MONIES AND LOCK MY ACCOUNTS AND TRANSFER MONIES FROM XXXX XXXX, WIRER TRANSFER AND ALL! ABD GET AWAY XXXX FREE?! ).
Product: Debt collection

Account shows no payment history on my credit report. I have no business with Southwest Recovery Service.

Southwest Recovery Service was notified this belongs to someone else and told to stop calling but calls persisted i dont have exact dates. Debt belongs to someone else. Disputed multiple times with no change. Violation of 15 U.S. code 1681 ( a ) ( w ) I have no transactions with Southwest Recovery Services therefore should be excluded from my credit report. Civil liability for willful noncompliance I am owed compensation. Violation of 15. U.S. Code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1581 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: Mortgage

Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.
Product: Checking or savings account

The site has not taking money at this point but the site is not the real chase. It will however asking for information and poses as the real chase.com. I now am canceling my card due to breached information. The number is XXXX pretending to be chase. https : //www.chase.com/personal/credit-cards/dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.
Product: Debt collection

I am experiencing great hardship with this inaccurate information continuously reported on my credit reports. I have constantly disputed this information and nothing has been done. My information was shared which I didn't provide any information to any third party for any matter to have my information or share it with the next. This need to be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 1681 section 604 2, it also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Georgia XXXX Confirmation # XXXX Date : # XXXX 2017 As a Veteran, and a XXXX XXXX XXXX, I am deeply concerned how Equifax is mistreating me just to satisfy and placate to these collection agencies, and these reporting companies. They do not care that I got denied a V.A. loan because of them. They do not care that I have been having these problems since XXXX of this year, while they knew they were comprised through hacking back then. I have filed three different police reports. 
Since XXXX of this year, I have closed my accounts three times, and we could not figure out what was going on, but they knew, and they didnt say a mumbling word. I am paying {$19.00} per month with them just to get bamboozled, hoodwinked, and deceived all the while they are appeasing, and pacifying their clients. 
They keep saying I have more than one file with them, which is out languished at best, and criminally assault against me, at best. I have only one account with the other bureaus. This should be a clue, and proof my account has been breached and my identity stole. You all should remember I filed an identity theft report twice this year. 
The keep putting these account ( XXXX XXXXXXXX XXXX XXXX XXXX, MA, and XXXX XXXX XXXX XXXX, GA ). This is proof, Equifax is still doing underhanded, and shady business after lying to congress, and the general public stating they are not! 
I am more than willing to testify in front Congress to pull the blind off this unprofessional, and feloniously mind company.
Product: Credit reporting or other personal consumer reports

My personal information and account details were sold to third party agency without my consent or knowledge.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the deletion of the accounts listed IMMEDIATELY! 13. 8K
Product: Debt collection

I had monthly membership at XXXXXXXX XXXX XXXXXXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the XXXX to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their XXXX XXXX have refused to stop harassing me to this date.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( XXXX XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, FCRA 611 ( 15 U.S.C. 1681I ), please provide the name and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation. 



( XXXX XXXX XXXX Account Number XXXX )
Product: Credit reporting or other personal consumer reports

I recently acquired a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This incorrect information is damaging my credit report, and I request an immediate correction. The details in question is as follow : XXXX XXXX XXXXXXXX. 

I assume 30 days is a reasonable time frame for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/2018. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Product: Debt collection

Account paid in full directly to XXXX on XX/XX/XXXX in the amount of {$730.00}. The credit agency, Convergent Outsourcing are continuing to report this account as a collection to 2 credit bureaus unlawfully although XXXX has removed the Written off notation from my account. 

Payment conf # XXXX Case ID # XXXX
Product: Debt collection

I feel deceived by my former apartment class on the non-refundable deposit that I paid. I have also been spammed by a debt collector on debt that I believed was already settled. I received no notice nor ability to dispute the debt. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) emailed me after I moved out a final account statement. I was confused because before moving in, they gave me the option to choose between a bond ( by XXXX ) that was less expensive & refundable or a bond that was more expensive & non-refundable. I chose the non-refundable more expensive bonds because I heard that it's usually difficult to get it refunded because the apartments will try to charge you for damages that were already there ( paid XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I responded back to the email and said " I chose the non-refundable deposit before I moved in, shouldnt that come from that? Because I specifically elected the more expensive non-refundable deposit vs the refundable one to avoid having to pay at the end. '' They never responded and did not clarify, I assumed it was because that meant they made a mistake and were no longer charging me. Charges included {$140.00} for paint because of " wall smudges '' even though there had been smudges before I moved in that they did not fix. I believed I was cleared and never received an email again or a mail notice that I owed this. In XXXX, I started to receive several calls from ProCollect Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX ). I received calls at least since XX/XX/XXXX. I thought they were spam calls because the voicemails were vague and did not say I owed. It wasn't until my credit score went down because of ProCollect that I looked into this. They are the debt collector and they did not send me any information or mail to understand why they were calling. I called ProCollect and they said my only option was to pay the amount and that it was too late for me to dispute the claim. I had no idea I owed this from XXXX, I was never noticed by XXXXXXXX XXXX XXXX XXXXXXXX. ProCollect spammed me with calls, did not let me have any option to remediate or dispute this, and interrupted my work days with these calls.