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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX  XXXX XXXX ) XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Equifax XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received. The information XXXX  XXXX XXXX XXXX XXXX, Equifax Information Services LLC and XXXX  XXXX XXXX XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

I have currently snap shots on my phone displaying inaccurate credit score ratings XXXX  is rating my credit score at XXXX, XXXX  rates my credit at XXXX and Equifax rates my credit at XXXX. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX. 
XXXX I work for XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

ACCT # XXXX XXXX  SSN XXXX XXXX XXXX XXXX XXXX ID : XXXX Address XXXX XXXX XXXX XXXX XXXX LA XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know XXXX XXXX  - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing Metro 2 Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification. 

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also 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 the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having problems trying to contact the credit bureaus about updating my personal information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have cancelled my membership with Experian in XX/XX/XXXX. They suggested me to switch to basic membership for free and I accepted. Today, XX/XX/XXXX, I learnt that Experian has charged me for XXXX  dollars each month since XX/XX/XXXX. This is the fee that anybody should pay for keeping premium membership. I called them on XXXX. I firstly chose option of " Cancel '' on automatic service and got an answer of " you have basic membership for free '', which is correct but contradicted to their monthly charge. Afterwards I called them again using the same number and after 2 hours somebody answered. She told me they have had some technical problems and she is able to return only the last charge as a courtesy while I have been charged for 10 months totally about 270 dollars! She connected me to her supervisor and she offered me the same payment ( returning only the last charge ). After my telephone call they changed my membership history so that it does not show anymore that I had cancelled my membership inXX/XX/XXXX ( I learnt this when I checked my membership status online again after my telephone call ). I left a public post on their XXXX page but they removed and transferred it to private message box and replied me with some general statements ( please see attached ). I am a XXXX  of XXXX  and this money is a lot for me and it should be returned to me. This issue has not occurred because of my fault and I emphasized again it must be returned to me. I need your assistance to help me in this regard. My customer number is XXXX.
Product: Credit card or prepaid card

30 days late payment. I've never had late payment and this has to be wrong. This is only reported through XXXX. 

This might be scenario when I was changing the banking info that was setup for automatic payment, and they didn't put it on file. 
I called several times, they said I'm all setup ( they have my acc and routing number on file and they will proceed with the payments each month ). 

After a few months going back and forth, and waiting on hold for 30+ minutes I figure this is not working because the only thing that I was trying to setup is saving my new banking info for automatic payment. 
I kept doing manually payments each month because they couldn't help me and decided to close the account with them. 

XXXX and XXXX they don't have any report for late payments under my credit history reports, which is right. Just recently I start using XXXX and I figure that my credit is not the same. When a called they told me that I have late payment with Synchrony Bank back in 2015. I was shocked. 
Please taka a look and remove it from my credit because it's really hearting my XXXX credit.
Product: Checking or savings account

Hey my name is XXXX XXXX XXXX bank with capital one my account number is XXXX I filled a claim on XX/XX/2022 because capital one was holding my funds in my bank account and didnt want to let me withdraw any so on XX/XX/2022 I check my bank account and all my funds was gone so I called the bank to see where the funds where transferred to and they said they sent the funds back to my lender. So I called my lender and my lender said they havent received my funds and they said I need to get a tracking number from my bank. So I called capital one to get the tracking number and they told me they dont have access to that. So I told the lender that and they said the bank should have that information. So I was wondering if you guys could help me track my funds.
Product: Credit reporting or other personal consumer reports

Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX : Balance : {$3000.00} : Date Fraud Begun : XX/XX/XXXX Fraudulent Transaction : XXXX XXXX : # XXXX : Balance : {$9800.00} ; Date Fraud Begun : XXXX XXXX, XXXX Hard Inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX : XXXX : XXXX XXXX, XXXX : XXXX : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I submitted a complaint that was closed unexpectedly. I received a letter saying it was closed because the CFPB believed it may have been submitted by someone else. It was not. I am resubmitting my complaint for consideration. 

On XX/XX/2022, Discover Bank restricted access to the XXXX payment service to all customers who enrolled after XX/XX/2022, which includes myself. They did so with no notice and the method by which they set up this restriction immediately blocked my ability to use the XXXX service with any financial institution. I also have accounts with XXXX XXXX  and XXXX  XXXX and immediately after Discover 's actions I was no longer able to use the XXXX payment service through any of them. Having access to XXXX is more than a simple convenience, as I have signed a lease agreement for my home in which XXXX is the agreed upon payment method. I immediately contacted both XXXX XXXX  and Discover Bank to attempt to resolve the issue. Discover Bank said they are not offering XXXX at this time and insisted ( wrongly ) that their actions would not cause problems at other institutions and also insisted that I work with my other banks to resolve the issue their. So, I immediately began working with XXXX to find a resolution. Several customer support tickets were entered on my behalf after various phone calls. On XX/XX/XXXX a ticket was entered that was escalated to an internal team and I was advised I'd receive a solution in 5 business days. I have continued to follow up on a regular basis and am told that the company is still doing research on the issue and has no updates. I find myself in a situation where Discover advises I contact Ally, Ally advises I contact XXXX, and XXXX insists these issues must be handled through the bank. All the while, being put in a situation where I am denied access to a service by no fault of my own based on an arbitrary date of enrollment at a particular company. It is also affecting my ability to meet the agreement made with my landlord to make payments through XXXX.
Product: Payday loan, title loan, or personal loan

My car was taken after I had paid my loan off. XXXX XXXX would not work with me and said that my payments didnt go through. I just fear this with XXXX and not much happened. This on my credit report until XX/XX/2022is not sufficient and it is been the main source of killing my credit. I cant get loans For medical reasons.I can not get Credit cards I was just approved for my first one because I just disputed so many things And they were taken off. There are about seven different ones for a XXXX XXXX that are paid and closed at XXXX dollars and exceptional payment history there is one that is the charge off and the past due amount it is {$11000.00} and it just says paid closed and 52 charge offs. This is the main thing that is killing my credit. Every single thing from XXXX XXXX except one is paid and is in perfect standing. This should also be in perfect standing like the others but it says there is that {$11000.00} that is due. The report number was XXXX.
Product: Mortgage

I applied to Pacific Bay Mortgage for a loan to purchase my first home in XXXX, Georgia. I recently graduated from college with a degree as a XXXX XXXX, and was looking forward to working near my new place of work ; XXXX XXXX. My loan was approved on XX/XX/2020 and the closing date was set for XX/XX/2020. The lender was unable and unwilling to get my loan closed on time so the seller imposed a {$100.00} a day per diem. The lender was notified in writing and by phone but despite my consistent XXXX calls, the lender gave no consideration to my urgency. They continued to misinform all parties involved and proceeded with no sense of urgency. The only reasoning they gave for their lack of urgency was that they were busy. I was finally cleared to close on XX/XX/2020 but had to borrow money from my parents to cover the {$3900.00} per diem for all the days I did not close. I believe the fair thing in this situation would be for them to reimburse me for all the additional expenses that I would not have acquired if I was able to close in a timely manner.
Product: Debt collection

Wake field and Ass. sent text ab out debt Icalled them XXXX. They checked to see if I had an account with them. I Did not. I gave them personal info. They said no account. I called to make sure all iwas ok. They said I owed {$1100.00} to XXXX XXXX XXXX XXXX XXXX. They said I could dispute it. I asked fir debt validation, they ignored me. I called them back and explaned this was not me. They said they made a mistake.I called back to make sure all was over. They brought up the debt owed again. I said this was not me and they said sorry. I do not trust them in what.they told me, that it is over. Now worried I will get a letter of this debt. Will call layer
Product: Money transfer, virtual currency, or money service

Earlier this year on XXXX, I was approached by an artist who wanted to use my likeness and one of my posts as inspiration for an art project. In return I would get {$500.00}. Her client reached out to me and gave me 6 checks each worth {$900.00} to cash into my bank account distribute to the art material sellers. 5 of the 6 checks were deposited into my account between XX/XX/XXXX and XXXX. When the supposed client asked my to call XXXX in order to confirm a transaction, the customer service rep helped me realize that I was a part of a fake check scam and guided me on what to do next. On XX/XX/XXXX Bank of America sent me Return Item Chargebacks for the fake checks deposited but I still lost {$1300.00} in transactions in which I did not know at the time were a part of a scam.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX FL, XXXX, I attempted to use my Coinbase-issued XXXX XXXX  card at a XXXX XXXX ATM machine . Coinbase advertises that their debit card holders can withdraw money from most ATM machines and the only fee is the ATM fee. I attempted to withdraw {$900.00} in which my Coinbase account had over {$1400.00} at the time of the withdraw. Upon attempting the withdraw my account with charged for the {$900.00} but the money didn't come out of the ATM. When I contacted customer support 30 minutes after the withdraw they assured me the money had already been credited back to my account but it wasn't showing up. Coinbase has never denied that the money didn't come out of the ATM. 

It is now XX/XX/XXXX when I am writing this complaint. I have spent 7 hours+ on the phone with their customer support in over 20 different phone calls. They refuse to help me, their support is constantly hanging up on me even though I'm calm. I have been back and forth with emails 15 times or so and they are incompetent and refuse to look at my account to verify if what I'm telling them is true. It is the worst company I've ever done business with, let alone a financial company.
Product: Debt collection

CFPB TAKE NOTICE, THAT THE CEASE & DESIST WAS RECEIVED BY VELOCITY INVESTMENTS , LLC VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX, XXXX. 15 USC 1692c ( c ). OF THE FDCPA STATUTE IS CLEAR. In Huebner v. Midland Credit Management , Inc., 897 F.3d 42 ( 2d Cir. 2018 ), the Second Circuit Court of Appeals addressed the scope of a consumer 's cease and desist request under Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). The court clarified that such a request obligates the debt collector to cease all forms of communication with the consumer regarding the debt, including communications with third parties like credit reporting agencies. This interpretation underscores that a consumer 's cease and desist request under Section 1692c requires the debt collector to halt all communications related to the debt, including those with third parties such as credit reporting agency THE FDCPA DEFINES COMMUNICATIONS AS TO INCLUDE ANY AND ALL FORMS, IN ANY MEDIUM OR FORMAT TO ANYONE INCLUDING MYSELF OR ANY THIRD PARTY. IT STATES ALL COMMUNICATIONS AND COLLECTIONS ATTEMPTS MUST CEASE. IT ALSO STATES THAT A CONSUMER HAS A RIGHT TO REFUSE TO PAY A DEBT WHICH I CLEARLY WROTE IN MY CEASE AND DESIST LETTER. COURTS HAVE RULED REPORTING TO CONSUMER REPORTING AGENCIES AMOUNTS TO COLLECTION ATTEMPTS AND AMOUNTS TO THIRD PARTY COMMUNICATION. SO AS DEBT COLLECTION COMPANY ARE GOVERNED BY THE FDCPA, THERE IS NOTHING IN THE FCRA OR FDCPA REGULATIONS THAT GRANTS A DEBT COLLECTORS THE ABILITY RO IGNORE A CONSUMERS RIGHTS UNDER WHEN A CONSUMER IN WRITTING INVOKES 15 USC 1692c ( c ). THE REPORTING, COMMUNICATING, AND COLLECTIONS ELIGIBILITY CEASES UNDER THE FDCPA WHEN A CONSUMER INVOKES 15 USC 1692c ( c )
Product: Credit reporting or other personal consumer reports

XXXX credit card has been reporting on my credit that my card is past due but wont fix the situation, Ive called repeatedly and asked them to send me paper bills every month, I have XXXX cards through them, they send me paper bills for XXXX account but not the other, they wait XXXX months and then report your card as past due even though Ive requested paper bills, I pay all my bills every month in full, I work hard to make sure my credit is good and XXXX  has been reporting false information. I told them I can pay the account in full to get me current but they refuse to do so even though its their fault, I dont know what to do at this point besides lawyer up and sue.
Product: Debt collection

I have made various communication with Oportun representatives and they don't want to support me in scheduling a affordable monthly payments of {$70.00} until personal loan with a high interest over 50 % is paid off. 
They sent me a letter that loan account is in review for a lawsuit against me as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 
I can only pay {$70.00} @ month until loan is paid off. 
Oportun has reported Derogatory remarks and collections on my credit report with XXXX, XXXX and XXXX and has destroyed my credibility. 
Oportun will not accommodate me on my Lifetime XXXX Accommodations under Department of Justice XXXX XXXX Civil Rights Act and is threatening me and harrassment with collections calls and cell text at my cell XXXX. 
I can not pay {$150.00} @ month and no fees.