23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out about this debt for the first time from my brother contacting me on XX/XX/year> to inform me that this company claiming to be a law firm was trying to send me court papers to sue me for a debt that is owed. so I called them back very upset because i never provided my families information to anyone and they do not have the right to say that they are going to sue me and not even notify me by mail or phone. They refused at first to give me info for their company. He told me to call back when I have a better attitude. Then on XX/XX/year> another person with a very thick XXXX accent but told me that his name is XXXX XXXX. When I told him that is not your name he replied that is his business name. So their employees are giving false information. I then asked why they did not contact me and they just kept asking me for my routing and account number when I told them absolutely not I will not be giving some random people giving fake names over the phone my back info she started to make threats that if I did not and if I hung up the phone she would me suing me and making things for me way worse. I ended up ending the call. I called back to get the name and let them know that they violated the FDCPA multiple times by not stating the mini Maranda, lying about their names, not stating who they are, refusing info, contacting my family and thats when they told me the name of the company. The company is XXXX XXXX XXXX XXXX phone XXXX when i looked them up they have been reported multiple time to the XXXX and other issues.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: XXXX XXXX XXXX XXXX XXXX

ADDRESSSES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

ACCOUNTS: OPEN XXXX XXXX XXXX (BALANCED UPDATED XXXX XXXX XXXX) XXXX Repossession XXXX XXXX XXXX XXXX  OPEN XXXX XXXX XXXX (BALANCE UPDATED XXXX XXXX XXXX) 12 LATE PAYMENTS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE UPDATED XXXX XXXX XXXX Repossession AND XXXX  POTENTIALLY NEGATIVE MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original balance XXXX  Paid collection
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I've sent a letter to Capital One First Letter sent on : XX/XX/2022 Capital One - is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Capital One HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS
Product: Credit reporting or other personal consumer reports

I paid the XXXX XXXX, GA judgement for breaking the lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. As soon as the bank check was cashed the paid debt was sold to a collection agency that put on my credit report that I owe them. 

XXXX XXXX returned an item to XXXX 's did not receive credit. Then purchased shoes and made payment on spot, not credited to account. Contacted XXXX, XXXX 's responded with apology, stated they would correct account, not report to credit agency and refund overpayment. Did none of the aforementioned. 

XXXX, XXXX XXXX XXXX reporting debt that was paid by realtor that kept all earnest money for herself except the less than {$300.00} she said she paid to XXXX. 

These fake debts contributed in preventing me from obtaining a mortgage. 

Tell me what each company says about these false debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

One Main Financial XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX  XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, OneMain Financial, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Product: Debt collection

I entered into contract with XXXX under false pretenses. Salesperson enticed us to sign XXXX program contract stating the benefit was if we left XXXX we would not incur Early Termination fees. When we left, we incurred exorbitant early termination fees. They have not removed the fees even though I have disputed them since they have tried to collect them.
Product: Debt collection

XXXXRequired by 12CFR 1006.34 ( b ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify accuracy of the debt they claim that I owe. 
XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.

Capital One has resorted to false, misleading and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By Capital One neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Capital One is flagrantly disrespecting consumer protection statues.

I demand that the Consumer Financial Protection Bureau investigate these egregious reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXX Alert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
Product: Money transfer, virtual currency, or money service

Cash app has identified me as being affected through its class action settlement along with its subsidiaries. After reviewing over my accounts history, there are several credited, debited, and duplicate amounts taken and or applied on my account. I'm unaware of all these charges and had no idea until I received this notice. 

Received notice by mail and e-mail. 

FWD-Notice ID : XXXX Confirmation XXXX NOTICE OF CLASS ACTION SETTLEMENT You may be eligible for cash payment from a class action settlement involving Block, Inc. and Cash App Investing, LLC but you need to act.
Product: Consumer Loan

They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.
Product: Mortgage

My mortgage was sold from XXXX over to Lakeview Loan Servicing and I have received numerous calls from them about refinancing, lowinging my rate for no fee etc. When they first called they said it was just a modification, no fee. Then I get the paperwork and it's tons of fees and it was a refinance and not a rate modification. So I turned them down as they misrepresented themselves. Since then my husband and I have been harassed several time with calls asking us and telling us we need to refinance with them. We have asked nicely to stop calling us, stop emailing etc. THEY WILL NOT STOP! They are worse than a bill collector on crack. Please stop the insanity and tell them to stop calling us. We are tired of the harassment.
Product: Credit card

I keep getting pre-approved letters in the mail that require my SSN for application and I keep getting denied for credit reasons, I never got the letters stating the reasons for my denial. A notice of dishonor to Capital One for not mailing those letters of adverse action to me, UCC 3-503. Title 15 USC 1611 states I can not be denied credit. I gave them my SSN and my business XXXX and they still denied me a line of personal and business credit.
Product: Credit card

American Express ( " Amex '' ) arbitrarily and fraudulently revoked XXXX American Express Membership Rewards points ( the " Points '' ) worth in excess of {$1000.00} from my credit card account without authorization and in violation of the terms of my cardmember agreement. Amex representatives had previously verbally confirmed to me that the Points would not be revoked from my account and Amex is currently refusing to honor the explicit promises made by their phone support agent. 

Full issue : I was approved for an Amex Platinum credit card on XXXX XXXX, 2016. My account was opened under an offer to receive XXXX Points after spending {$3000.00} within three months. The value of the XXXX Points is at minimum {$1000.00} based on their ability to be redeemed for credit card statement credit. I fulfilled all offer requirements with a total spend of {$5900.00} from card opening to XXXX XXXX, 2016. 

Since I had fulfilled the offer requirements, Amex deposited XXXX Points into my account on XXXX XXXX, 2016. Independent of this complaint and based on the benefits of the Amex Platinum card not meeting my expectations, I decided to cancel the account on XXXX XXXX, 2016. Before cancelling the card, I called Amex customer support and explicitly asked whether cancelling my account would result in the loss of the XXXX Points. The agent explicitly assured me that they would not, especially because I have other Amex card accounts open. Relying upon these statements, I decided to cancel the card. 

On XXXX XXXX, 2016, Amex arbitrarily and fraudulently removed XXXX Points from my account. There was no rationale provided to me. I called support to inquire and was told that this was a " corporate decision '' relating to my cancellation of the card which could not be overturned. 

The removal of the XXXX Points was fraudulent. There were no stipulations in my original agreement regarding revocation of Points in this situation. Additionally, the Amex representative explicitly promised that my Points would not be revoked upon cancellation and Amex should be bound by the promises made by its agent. 

If Amex is allowed to take away Points arbitrarily in cases like this, what is stopping them from taking away all of my Points or arbitrarily adding charges to my bill? Thanks for your help in resolving this matter.
Product: Money transfer, virtual currency, or money service

As shown in the attached image, the withdrawal was initiated on XXXX XX/XX/2022 and shown as completed. However the money has not reached my account till date XXXX XX/XX/2022. Coinbase mentions that withdrawal takes XXXX business days. Also in the confirmation email, it said money will reach the account by XXXX XX/XX/2022. However, the money has not reached the account yet. 
I have called Coinbase multiple times and each time I was given different explanations. Finally they reached out to me via email and mentioned that the transaction is under review, however no detailes were given as to what kind of review. I have provided all the details asked, however I am still in the dark as to when I will receive the funds and what is the reason for delay. Meanwhile I am in urgent need of funds and incurring financial losses. 

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

Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until XX/XX/2016.
Product: Student loan

I made a {$400.00} loan payment on XX/XX/18 as of XX/XX/18 it ad not been posted to my account. I contacted Navient and gave them my account number XXXX and the confirmation of the payment XXXX. They placed me on hold for 7 minutes then came back and said that all the account information was correct but had 2 different account numbers listed and they couldn't explain why. After another 11 minute hold they told me that the payment was just not processed after it was received. I was told that my payment was sitting in a holding account and just wasn't applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$25000.00} ), Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported me late on my auto lease XXXX  times which is incorrect. They show late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is not right. I have asked for proof of this multiple times with no proof sent to me.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. UPGRADE INC XXXX as this item was showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 sectio

n 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As pre the guidance from the consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransUnion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have sent this Company a Cease and Desist due to them using unfair, deceptive, extortionate, and unlawful means to attempt collecting an alleged debt. This account was disputed in XX/XX/XXXX, and they were given a direct refusal to pay. To date, they have not provided anything that suggests or proves that I am responsible to pay them. 
Company continues to be willfully negligent by refusing to adhere to federal guidelines that govern them and protect me, the Consumer. 
Company has violated my Consumer rights by ignoring my attempts to resolve this matter. I have advised that per Federal law, no one can validate a debt except for the Consumer in which it relates to. I have disputed and refused to pay this account, more than once.

The Company claims to be a Debt Collection Agency, yet they do not appear to be licensed and bonded to collect in the state of Illinois. I spoke with Manager XXXX, on XX/XX/XXXX and she argued that she refuses to cease collection activity. 
Please have this Company cease all collection activities, as this is my final attempt to rectify outside of court.