23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23, I notified Capital One that a bill payment submitted on XX/XX/23 for {$420.00} was not received by XXXX. Capital One provided a copy of the check ( XXXX ) dated XXXX payable to XXXX. XXXX reported that the check was sent to the wrong address ( XXXX XXXX XXXX, XXXX ) and was deposited in the wrong account ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) . I filed another dispute with Capital One who declined the claim because their records indicated the payment was processed according to payment instructions I set-up in their XXXX XXXX XXXX . I have submitted three requests for Capital One to provide copies of their evidence indicating I changed the address for XXXX. Capital One continues to deny the claim without providing any proof nor resolution. The bill payment to XXXX was original created by me ( XXXX XXXX XXXX ) over 10 years ago without any changes. Capital One has processed over 120 payments to the same XXXX address without any incident until they upgraded and outsourced their bill pay system this past XXXX It is evident that the conversion resulted in the system defaulting to another address that XXXX uses for other cities, outside the XXXX area. The address change appears to be a system error related to Capital One 's conversion or internal fraud among their representatives. Capital One has security in place that sends an email notice when address changes are completed by customers, in bill pay. If I changed the address Capital One should be able to provide a copy of their system generated email notice. Since I did not change the address, I know Capital One does not have any proof, of such. In spite of 3 requests for Capital one to prove I changed the address ; they just continue declining my claims. All of my communication for the past month, have been with Capital One 's Call Center ( XXXX ) and an unmonitored email box ( XXXX ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Reference : C & W Account # XXXX I am writing in reference to the letter that you sent to me dated XXXX XXXX. 

I first made use of XXXX services to form a company and use their Registered Agent services on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to cancel my services and my ongoing renewal as I was moving my Registered Agent services to XXXX XXXX XXXX XXXX due to excessive price gouging from XXXX. I received an acknowledgement of my request and was provided with a Case Number of XXXX. XXXX XXXX XXXX took over RA services for my business in XX/XX/XXXX. 

I have never used XXXX services with the exception of 1 year from XX/XX/XXXX and these services were cancelled with XXXX in advance of the renewal. 

Caine & Weiner emailed me on XX/XX/XXXX. I replied to Caine & Weiner on XX/XX/XXXX informing you that I owed no debt to XXXX. I did not receive a reply and my email was ignored. I received another email from Caine & Weiner on XX/XX/XXXX which did not acknowledge any of my previous correspondence. 

I received your written letter dated XX/XX/XXXX which did not acknowledge any of my previous correspondence or provide any details of the fictional debt attributed to me. 

Please cease and desist sending notices and attempting to collect this debt which I do not owe to XXXX or Caine & Weiner. Due to your repeated notices and lack of acknowledgement of my correspondence, I am also submitting a complaint to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX CXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX, XXXXHighest Balance {$1700.00} XXXX XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXXBalance XXXX XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting

I recently sent in a request to have some incorrect information removed from my credit report and it was sent back to me without any change, and as verified accurate. 
The CRA is inaccurately reporting information on my accounts. After doing some research on what my next move should be I was able to find some information that told me the " requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. '' I have disputed the following with the CRA and they returned it as verified, even though they are obviously inaccurate. I dispute these items in their entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting. If the CRA determine any listed entry as " previously investigated '', I demand the full method of your verification including the employee name, company address, and phone number for each entity that furnished the erroneous data. 

XXXX XXXX XXXX - XXXX .... 
This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 56 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 80 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX XXXX XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete Should they not be able or willing to provide me with the substantiating documentation as verification to cure these violations, within the next 30 days. Then I will use the filing of this complaint and the associated answer to file suit seeking relief for the violations of the FRCA. XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Product: Debt collection

Good morning -- I bought the equipment, but the house was sold in XXXX this Debt should be paid by the new owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX Date Opened : XX/XX/2013 Balance : {$69000.00}
Product: Money transfer, virtual currency, or money service

The bitcoin scam through XXXX and cash app telling people that they will give money Im exchange for XXXX do when we purchase it afterwards they block you and hack your page compromising your passwords and keeping you from signing in or having any access to your XXXX account
Product: Debt collection

in 1992 without insurance I visited XXXX XXXX XXXX XXXX and was sent to XXXX XXXX XXXX for suspicion of having XXXX I was later discharged and a couple months later contacted by a collection agency in XXXX I then worked with the agent and visited his office and him every other week and I paid off my debt now the company is contacting me 30 years later saying they have no record of this and I no longer have Financial records from that time ago and it's my understanding that it no longer legal to collect a debt of this age they keep on accessing my credit report filing hard inquiries which has a negative impact on my credit report and I just want them to go away
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

A investigation was given but not completed reasonably.CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. However, the investigation has not verified the debt. Unverifiable dent must be promptly deleted or corrected.Failure to adhere to these requirements constitutes a violation of federal law.
Product: Debt collection

On XX/XX/2022 I sent by certified mail, a notarized affidavit to CITIBANK ( Citi ), requesting a verification of debt. The tracking number is XXXX as of XX/XX/2022 this tracking number shows still in transit and the last date of movement per USPS tracking was XX/XX/2022 and displays will arrive late ( Screenshot will be provided below ). Even though it appears that this certified mail is still in transit, somehow I receive a response from CITIBANK ( Citi ) dated XX/XX/2022. This is extremely odd since I requested a return receipt and there is no record of anyone signing for this correspondence. In this letter dated XX/XX/2022, my verification request is completely ignored ; nothing I requested is provided and the letter is not signed, but a typed name ( possibly computer generated ) is provided as XXXX XXXX-Vice President-Citibank, N.A. I don't know what kind of possibly fraudulent activity is involved in order to receive a correspondence and not sign for it, so that there is no record of anyone signing for it. I paid for a return receipt and have been bilked out of this due to what appears to be dubious activity on the of CITIBANK ( Citi ) representatives. On a separate and possibly unrelated issue because it may be spam, I have also received strange spam text messages in the past few months that claim to be from CITIBANK ( Citi ) about suspicious activity, verify your identity, withholding card services etc ... ( will provide screenshots below ).
Product: Debt collection

I notified citizens one loan company I filed a chapter XXXX and they continue to take money from my account
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, XXXX and Experian.I would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance
Product: Credit reporting or other personal consumer reports

TransUnion, TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this report is : drivers license social security card address complaint screen shot of issues Please have this resolved as soon as possible - and resolved for good. Stop blocking access TO MY CREDIT PROFILE!
Product: Debt collection

I already filed a complaint previously the complaint ID XXXX. Against Receiveables Performance Management. According to them they are correctly reporting to the credit bureau and that XXXX enlisted them to collect a debt ( which was already paid to XXXX ) I contacted XXXX once again who has again stated that because I had a agreement to pay them and I paid as per our agreement they did not enlist Receivables Performance Management. One of these companies is in the wrong!!!!!! I had an agreement with XXXX to pay at a certain time and if I kept to this agreement no collection activites or action would take place! So if XXXX indeed contacted Receivables Performance then they are in the wrong and if they did not as they keep telling me then Receivables Performance is in the wrong. All I know is I kept my end of the agreement and next step is to seek legal advice! This is very deceptive and something is not right.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX dating back XXXX XXXX. This account was last paid on XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX there was no data or reporting. The account had been paid off. This vehicle was traded in XXXX XXXX XXXX and was never late of charged off. However on XX/XX/XXXX this account was considered charged off. Which would be impossible since the account is paid off and shows no balance due. I was never late on this vehicle, and could not have been charged off unless I had been late on this account for multiple months. 



This is a huge discrepancy on XXXX and Equifax and as a credit reporting agencies and must be corrected immediately. 

My XXXX show this account PAID ON TIME AS AGREED and must be removed as it is an unfair and inaccurate reporting. The FCRA guarantees fair and accurate reporting and XXXX and Equifax has failed.
Product: Mortgage

On XX/XX/2023, a loan officer provided me a loan estimate with a floating rate. She noted that once the rate was locked, she couldn't open it. I replied in an email that we should move forward with the lock process with the expectation that the lock wouldn't be effective until after I signed to disclosures. 

I have yet to receive any disclosure documents or sign anything. So, on XX/XX/2023, I requested an updated loan estimate with changes. She said it was too late and that I needed to sign the loan estimate provided on XX/XX/2023. 

If I haven't signed the loan estimate or any rate lock documents. I don't understand how it is too late to make changes.
Product: Debt collection

They are threating a law suit on a debt that's almost over 20 years.
Product: Debt collection

Signed a lease for XXXX  months with XXXX  months free. Moved in XX/XX/XXXX. XXXX  month 's rent was credited, pro-rated for the partial month. XXXX 's rent was credited. The next XXXX  months were paid by XXXX. Moved out XX/XX/XXXX. The apartment was cleaned, walk through with management 's rep, was told everything was fine. In XXXX I received an email from XXXX XXXX including a " Resolution Offer ''. I did not receive any statement of account from XXXX XXXX prior to the collection effort by XXXX. I sent XXXX a screen shot of the XXXX ACH payments, and a screen shot of my calendar showing reservations at XXXX XXXX for XXXX, indicating I moved out timely. XXXX said they would investigate the account, contacting the creditor. I warned the XXXX clerk that I did not want any issues that would affect my credit. Then pushed multiple times on multiple calls as to where the investigation was? The standard response was " there is no timetable, we are waiting for the creditor to respond. ". I contacted the A/R at XXXX XXXX XXXX XXXX messages for a week. I finaly got a leasing agent to review the account, and she saw the error, The XX/XX/XXXX rent should have been credited, pro-rata, to fulfill the " XXXX free '' offer. I asked for her to issue a credit and call off the collection effort. She said only XXXX could do it, so I left message for XXXX to call. I sent XXXX an email. I called XXXX the next day. XXXX finally returned the call and we went through the accounting. I asked XXXX to zero the account and call off the collection effort. This was all XXXX. XXXX XXXX XXXX XXXX emailed me to let me know all but {$48.00} was credited, but the {$48.00} was due and could only be paid by cashier 's check or money order. I copied XXXX on the correspondence from HG on XXXX. I delivered a cashier 's check to HG the XXXX  business day, and sent a copy of the receipt to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Product: Credit reporting or other personal consumer reports

Credit Bureaus didn't use proper measure to investigate account for Fair Collections And Outsourcing information attached was not provided
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX