23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have paid off my vehicle but I have received a letter stating they are going to repossess my car BUT it shows the amount due is {$0.00}. Furthermore, I called numerous times and the " executive office '' agreed nothing was owed. They called back and I agreed to just settle this to stop the harassment. They stated they would wipe out {$490.00} leaving me with around {$600.00} I was willing to pay to end all of this nonsense. I called back to confirm amount owed and they never took off the {$490.00}, stating I owe over {$1100.00}. Furthermore, even though they claimed to have the ability, they refused to pull the call that the rep ( with more seniority than a manager apparently - XXXX XXXX XXXX ) advised me my principal is {$0.00}, they have the letter showing the amount due is {$0.00} and they will wipe out {$490.00}. This extortion is unacceptable.
Product: Checking or savings account

On XX/XX/XXXX my cell phone was stolen and broken into which had debit information on it as well as being linked to XXXX XXXX and XXXX XXXX. My funds were wiped out from my chime card via XXXX XXXX and XXXX XXXX and spent in different locations throughout the day of XXXX. I submitted a dispute with chime for an amount of {$1100.00} and also submitted a police report backing my story for more proof and they denied my claims stating that these transactions were authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is showing that my student loan is days past due when payments are being made monthly. They are also not updating my credit status, causing it to keep looking like I have not made a payment on my loan for significant periods of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( b ) i never gave authorization or approval from this companyto report anything on my consumerreport. 15 usXXXX 1692g me being the only originalcreditor i am the only one that can validate a debt and i have asked for all of the documents multiple times and they are unable to provide because within any document they send i will continue pointing out violations. I would according to 15 usc 1692kExcept as otherwise provided by this section, anydebtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum ofinthe case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} i want my money back as i was unaware of the fraud activity being taken place at the time but i am now aware that i am the only orginalcreditor and you guys have been credited. This is violating my privacy and i demand this be taken immediate action according to 15 usc 1681 ( a ) Its my right to privacy. In truth in lending it clearly states what should be exluded fromaconsumer report and it says any credit card. Look up thedefinition of a credit card that congress put in place.
Product: Credit card or prepaid card

So I called in to get my XXXX taken care of. This account ends in XXXX. I had lost the XXXX card somewhere in my house and for some reason that account was restricted. Granted for no reason. I still do not understand how you can restrict one account and not all three of the accounts that I have with you. Anyways, as I am calling to get this account taken care of and reactivated with a new card sent out to my house the Customer Service rep canceled the wrong card. The account that was canceled was the platinum card account ending in XXXX. 
I am currently traveling and am a couple of states away from my home in Arkansas. And I have been lied to severaltimes by severalpeople and departments in regards to this matter and its resolution. A card was supposed to be overnight to me at my location in Colorado. And when I called in today I had found that the card had not even been shipped out yet. So I am stuck in this state more days than I had anticipated because I was using the card that got cancelled. This whole situation has been filled with people lying to me and transferring me to other individuals so they can lie to me and set false expectations. I am ready to Cancel every single account I have with Capital One because of the trouble this has caused. It was not just a minor conveniencebecause I was using the platinumcard to travel on. It has put me in an extremely hard position because I was relying on the money. So I would like to talk to someone about who is going to actually be held accountable for this mix up. If not then I am going to cancel all of my accounts including the Auto Loan and get a Jag Lawyer to take this to court because of the trouble it has caused. I usually don't complain and you guys have been extremely good to me so far but this situation in itself can not be overlooked and I am tired of talking and being transferred to different managers just to be told that they can't do anything and get lied to again. Everyone of your conversations is supposed to be recorded so I want the recording to be brought up and I want individuals to be held accountable for their half truths and falsehoodsand false expectationsthat were set. 
You guys have put me into an extremely hard situation due to a Customer service representative'smistake.
Product: Debt collection

I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.
Product: Payday loan, title loan, personal loan, or advance loan

I was searching for a loan to pay my credit card off. I was contacted by XXXX XXXX of Prosper Funding # XXXX. XXXX told me to secure my loan that they would send me a check. The first check sent via e-mail was for {$780.00} which I was directed to put into my mobile bank account.The back of the check said ( For Deposit Only ). XXXX told me to get XXXX gift cards from XXXX and put {$380.00} on XXXX and {$390.00} on the other. When I gave XXXX the numbers for both cards he told me the second card for {$390.00} had no money on it. I called the XXXX Headquarters. They began an investigation but couldn't tell me why the money wasn't on the gift card. Then XXXX sent me via e-mail a second check ( For Deposit Only ) for {$980.00}. That money somehow was withdrawn from my account. My bank is doing an investigation of the XXXX checks which cleared in my account. My bank has put a hold on my account. My bank took {$810.00} from my XXXX check in my account. XXXX called me on XX/XX/2023 and said he was speaking to Consumer Affairs and if I came up with the {$390.00} he would get the hold lifted. The money I tried to put on the gift card is a XXXX issue. I explained to him that both of the checks sent to me were returned because they were not legitimate checks. I have contacted the XXXX XXXX XXXX, the Attorney General 's Office and Consumer Affairs and filed complaints with them. When my bank 's investigation finishes I will know where my bank account stands. I then called the Better Business Bureau and obtained the numbers for the Federal Trade Commission and the XXXX XXXX XXXX as well as the FCC. I have not filed a Police report because the gentlemen said I should wait until I have all my information to do a complete report. Then they can tell me if I have a case against XXXX XXXX loan officer and Prosper Funding for he XXXX returned checks.
Product: Debt collection

Payment was already from this company. They are still sending me letters through mail. In regards to debt that has already been collected
Product: Credit reporting

I have over XXXX inquiries on my Transunion credit report. 
unauthorized use of name
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

On XX/XX/year> I reviewed a notification from my credit report stating I had a balance of {$370.00} from Jefferson Capital System. I have never had an account with them, I tried to dispute and they did not remove it Im not sure where this debt collector is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research my credit history. You can see that it was great until XXXX of XXXX. My Mortgage company ( XXXX ) has ruined my credit. Ive argued with them for over 6 months. XXXX management is adamant they are right, and more importantly, I am wrong. I filed a XXXX  claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

XXXX, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from XXXX. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. XXXX puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to XXXX. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A XXXX manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, XXXX still has the money. I didnt get the money until XXXX. XXXX management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a XXXX error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,
Product: Credit reporting or other personal consumer reports

In the XXXX to XXXX  quarter of XXXX I contacted the CFPB because XXXX XXXX XXXX  Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than XXXX  days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXXXXXX XXXX Account number # XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt
Product: Credit card or prepaid card

I am trying to make a payment online and receiving an error notice at the website. Then I tried to call and they are telling me " due to unforeseen circumstances, the offices are closed. '' My credit card payment is due tomorrow. It is too late to mail the payment. 

This company 's service is unacceptable, they do not answer e-mail timely, and they do not fully answer CFPB complaints. My being unable to pay either online or over the phone is completely unacceptable.
Product: Credit reporting

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report with a police report number to XXXX   and Nordstom showing that I am victim of identity theft and XXXX is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9700.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX