23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital Accounts LLC is reporting an invalid, fictitious debt on my credit report for close to {$5000.00} without any verification or validation of that debt in violation of the FDCPA, FRCA, Rosenthal Act, and the California FCRA. 

I secured written documentation from the purported underlying debt holder that documents I had never done business with that firm. 

I have absolutely no idea what this debt and have requested verification of the debt from Capital Accounts via certified mail but there has been no reply to me whatsoever again in violation of consumer protection and unfair debt collection laws. 

In addition, I also requested that I only be contacted via mail for debt verification purposes but that I not be contacted for any other reason, including by telephone. Capital Accounts repeatedly called me via telephone on several occasions in violation of the TCPA at {$500.00} per violation. 

Last, I was never sent an initial dunning letter regarding this debt again which is in violation of consumer protection and unfair debt collection laws. 

After I disputed the collection trade line with the CRAs ( XXXX, XXXX  and XXXX ) on multiple occasions, Capital Accounts continued to inaccurately verify this non-existent debt in violation of FCRA, California FCRA, and other consumer protection statutes. 

I intend to sue Capital Accounts for its several violations of federal and state statutes but would also like to request that the CFPB intervene immediately. Given the almost 1,000 complaints against Capital Accounts, I also request that the CFPB refer this matter to the California Attorney Generals Office as well as to other State Attorneys General. I intend to file complaints with the California Attorney General myself as well as to the California Medical Board since this is purportedly related to a medical debt. The medical clinic and doctor can be accountable for these state and federal violations! Hopefully, there will be action taken against the medical license and discipline by the California Medical Board against the doctor!
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. 

XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX ), Account # : XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ), Account # : XXXXXXXX XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : 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, credit repair services, or other personal consumer reports

Westlake Financial provided extensions for loan payments during the months of XX/XX/2020 and forward for COVID related hardships. They claimed the payments would not affect credit reports. Now those payments are showing up as late on our credit reports. The company is not honoring their extension policy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Method of Verification Request Under 15 USC 1681i ( a ) ( 7 ) Dear Experian, I am writing regarding the recent investigation of my dispute concerning the late payments reported on my credit file for XXXX Auto. This account was Never late and late payments are reported which is adversely affecting my ability to qualify for financial assistance. 
Pursuant to 15 USC 1681i ( a ) ( 7 ), the Method of Verification Law, I formally request the following information regarding your investigation : 1. A detailed description of the investigation process conducted.

2. The name and contact information ( including direct phone number ) of the representative from the creditor ( s ) who provided verification of this information.

3. A copy of all correspondence exchanged between your agency and the creditor regarding this disputed item. 
4. Any documentation, reports, or records used in determining the accuracy of the reported late payments.

5. A statement of the exact information provided to the creditor and their response to your inquiry.

According to 15 USC 1681i ( a ) ( 7 ), you are required to furnish this information within 15 days of this request. If you fail to provide this information within the allotted time, I will consider your inability to verify the item as evidence of its inaccuracy, and I request the immediate deletion of the account from my credit file. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Received mail from XXXX XXXX XXXX XXXX ) Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL XXXX MAJOR CREDIT REPORTS
Product: Mortgage

RE : 1 ) MISSING-IRS FORM 1098 MORTGAGE INTEREST STATEMENT FOR 2021 2 ) Online Access to Tax Forms and Account Statement BLOCKED and unavailable 3 ) Request Lender receive XXXX Loan Modification Guidelines and Discrimination Practices. 

Hello, While there have been a multitude of problems with this lender and their predatory lender practices. Today 's primary complaint has to do with not being able to get the XXXX to issue a copy of my 2021/1098 Tax Mortgage Interest Statement. Problem # 2 ) Request Bank of America to " UNBLOCK '' borrower 's access to her online banking records and statements ; XXXX ) Ensure BofA has a copy of XXXX Loan Modification Guidelines ; For the purpose of this complaint ; I am a single Female XXXX years old suffering with some physical XXXX ; however remain gainfully employed. 

In essence, after repeated request to the Financial Institution. And the Tax Deadline coming up in approximately ( 1 ) week. It is urgent for the completion of my 2021 Tax Returns that I have my 2021/1098. In addition, for B of A to STOP blocking my Accounts online statements. There is no excuse for the Bank to not issue my 1098 or to block my account statements. These practices are inexcusable and shady. How can we have a productive business relationship under these circumstances? Last, to prevent further account abuse. Can CFPB, please provide the lender with the XXXX for XXXX XXXX XXXX? Due to the fact, we have been working on getting my loan modification processed before further Federal Reserve Int Rate increases. 

I so appreciate the CFPB. Consumers are very lucky to have this governmental body watching out for us. I am very grateful. 

Sincerely...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Debt collection

Getting repeat calls from XXXX from structured settlement. Received first call on XX/XX/year> at XXXX a voice message was left. Received next call on XX/XX/year> at XXXX from the same XXXX XXXX left voicemail. I've blocked the numbers but the repeat calls are from different numbers but voicemails left from same person at structured settlement. XXXX and XXXX are the numbers XXXX is calling from
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to Equifax, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has in their agreement the option to cancel the loan within a set timeframe. I submitted my request to cancel my loan. At first the reversal was declined by my bank due to fraud. However, upon retrying XXXX XXXX  stated they had technical difficulties with reversing the loan. No updates were given on this ongoing issue, I had to reach out. During this time I became frustrated with the lack of help. This is predatory behaviour as they do no have a proper process that takes care of customers with cancellation requests that are within their own terms. Instead they make it difficult just to earn the predatory fees. These deceptive actions led to me taking on the loan and giving up on their process, and now they have reported my account late to the bureaus. They never updated my account compliance coding while in dispute when the issue was ongoing. This should have never happened but their greed to keep loans opened are unfair, deceptive, and mislead customers into keeping loans they want to cancel.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX I am writing to delete the following information in my file. These items I need deleted are listed in the report attached, I am a victim of identity theft and did not make these charges. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission 's, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer right has been violated according to 15 us code 1681 .... inaccurate information is listed on my report which should be deleted immediately...
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at XXXXXXXX XXXX, I attempted to send money through XXXX using my Wells Fargo account but was unable to complete the transaction. I called Wells Fargo customer service, and the call lasted 8 minutes. The representative told me to try again later. My account is in good standing, and I am under the daily XXXX limit. 

Later that day, at XXXXXXXX XXXX, I called Wells Fargo again after attempting another transaction. This call lasted 12 minutes. The representative informed me that the system was blocking my XXXX transactions and that I would have to try again later. They did not provide a valid reason for the block or a timeline for when it would be resolved. 

On XX/XX/year>, at XXXXXXXX XXXX, I spoke with XXXX at Wells Fargo. I explained that I was unable to send a XXXX payment due to a system block. XXXX looked into the issue but stated there was nothing they could do to unblock the payment. They suggested using alternative payment methods, such as XXXX, XXXX XXXX, or a wire transfer, but did not provide a clear explanation for why the XXXX payment was being blocked. The call was recorded. 

I also contacted XXXX, but they directed me back to Wells Fargo, as they do not have access to my bank account information. This block has caused significant inconvenience and financial hardship. I rely on XXXX to send money to family and pay bills, and the inability to use this service has disrupted my finances. 

I am requesting that Wells Fargo immediately restore my access to XXXX and provide a clear explanation for why my transactions were blocked. If the block can not be lifted, I request a detailed explanation of the reason and steps I can take to resolve the issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 resolution was unfair and deceptive, as they didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to the CFPB complaint # ( XXXX ) to advise of a Navy Federal charge off thats reporting on incorrectly my credit report. The following account was charged off as of XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is also falsely manipulates the statue of limitations. Navy Federal responded back to the complaint stating on XX/XX/XXXX Navy federal noted a discrepancy in the payment history and the date of last delinquency And have sent a request to the credit agencies to update the information correctly and they also advise the update could take up to XXXX. Today I reached out to XXXX and spoke with XXXX the supervisor in the dispute department and she advised there was not a request sent by Navy Federal or any other company for an update.
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now XXXX  years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. 

Violation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than XXXX business days after the receipt of such notice. 

This letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. 

FTC Affidavit Number : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question. 

Without my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. 

All inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the XXXX  XXXX be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. 

An example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my " obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. 

This holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.
Product: Credit card or prepaid card

On XX/XX/XXXX A payment was made to my credit card for the full amount which at the time was {$1000.00} from someone unbeknownst to me. On XX/XX/XXXX I made a payment of {$300.00} to my credit card like I always do through my bank application. After checking my statement the next month I see the payment that was made from the other party, a refund for the {$300.00} payment I made and a few charges for requesting a refund and making a payment over the phone of which none I requested or did. Apparently the {$300.00} payment I made was refunded to the person that did the other payment the day before and they payment for the full amount they did over the phone was declined. I called my credit card company they claimed that It all came from me, which it didnt. I didnt have that amount of money in my bank account nor do I ever pay my credit over the phone, so they opened a case, then after a few months denied it demeaning me responsible for the changes. I called again they opened it again, I received no answer. They said I should send a letter and my bank statement since they are saying it all came from my bank account so I did all of that, still no answer. I did it to show them that there was no charge for {$1000.00} and also no refund for {$300.00}. Im losing out on {$300.00} and a year worth of interests on those {$300.00}. And the credit card company keeps giving me the run around even though I follow their steps. I havent use this credit card since and have asked them to not allow any other ways of making payment but by the bank application so that its known its me making further payments in any case this happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.