23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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  has violated my rights. Or list of inquiries 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

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Mishandling of Credit Card Payment - Reference : XXXX XX/XX/2024 Capital One Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dear Sir/Madam, I am writing to file a formal complaint under the provisions of the Consumer Financial Protection Act ( CFPA ), specifically under 15 USC 1666b, regarding the mishandling of my credit card payment account with reference to Section 1637b. 

My name is XXXX XXXX, and I am an account holder with Capital One, with the account number XXXX. 

On XX/XX/XXXX, I made a payment towards my credit card account well within the designated billing cycle and in accordance with the terms outlined in Section 1637b of the CFPA. However, despite the clear provisions of the law stipulating that creditors must not treat a payment as late unless certain conditions are met, I have noticed discrepancies in the handling of my payment by Capital One. 

It has come to my attention that Capital One has inaccurately processed my payment, marking it as late and subsequently applying late fees and penalties to my account. This action is in direct violation of the CFPA, which clearly mandates that creditors must adhere to the timelines and procedures outlined in Section 1637b before considering a payment late. 

According to the law, creditors such as Capital One are required to provide consumers with clear and timely information regarding payment due dates, as well as any changes or updates to these dates. Furthermore, creditors must allow a minimum of 21 days from the date of sending such information before treating a payment as late. 

In light of these violations, I demand that Capital One rectify the erroneous late fees and penalties applied to my account and take immediate steps to ensure compliance with the provisions of the CFPA moving forward. Additionally, I request a thorough investigation into this matter to prevent similar occurrences in the future and to provide me with a detailed explanation of the steps taken to address this issue. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action as necessary to protect my rights as a consumer. 

I trust that Capital One will take the necessary steps to resolve this matter expediently and restore confidence in its adherence to consumer protection laws. 

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

Based on the details in the report, the following potential FCRA ( Fair Credit Reporting Act ) violations are identified : 1. Reporting of Future Dates Last Reported Date : XX/XX/XXXX Reporting a future date is inherently inaccurate because it has not occurred yet. Under Section 607 ( b ) of the FCRA, credit reporting agencies must maintain maximum possible accuracy. Reporting future information creates inaccuracies and violates the requirement for truthful reporting. 

2. Collection Charge-Off with {$0.00} Past Due The Payment Status shows Collection Chargeoff, but the Amount Past Due is {$0.00}. 
A charge-off typically means the creditor has written off the account as a loss. However, if the amount past due is {$0.00}, the report creates an inconsistency and misrepresentation of the account status. 
Under Section 623 ( a ) of the FCRA, furnishers must provide accurate and consistent information. If the debt is settled, transferred, or discharged, it must be reported accurately. 

3. Lack of Payment History and Missing Dates Date of Last Payment : Not reported Times 30/60/90 Days Late : // ( unclear or missing information ). 
The FCRA requires credit information to be complete and not misleading. Missing critical dates, such as the last payment date or clear payment history, violates the FCRAs completeness standard under Section 607 ( b ). 

4. Remarks : Placed for Collection If the account is listed as placed for collection, it implies ownership or responsibility for the account has been transferred to a collection agency. 
If the original creditor ( XXXX XXXX XXXX ) no longer owns the debt, they can not continue reporting the balance without clear indications of the transfer. Failing to update ownership creates inaccuracies. 

Key FCRA Violations : 1. Inaccurate Dates ( Last Reported in the future ).

2. Inconsistent Charge-Off Reporting ( Collection Chargeoff with {$0.00} past due ).

3. Incomplete Payment Information ( Missing last payment date and payment history ).

4. Failure to Update Ownership ( Remarks indicating placed for collection ). 

I am in clear violation and will be forced to take legal action.
Product: Debt collection

Have been calling me numerous times on both and cell wo n't leave a message at all I have reached out to them via email telling them to send me documents pertaining to anything they said call us I said no I do n't trust no one to many scams even gave the address of my house not sure if it for me or someone else at this point call  4-5 tim es a day both cell and house
Product: Money transfer, virtual currency, or money service

I'm having trouble with a transfer reversal, and I no longer know what to do. On XX/XX/XXXX, I initiated a transfer via XXXX banks  website from Robinhood to XXXX. The funds were debited from Robinhood but never reached my XXXX account as there was a reversal initiated by XXXX bank who Robinhood has their ACH account partnership with. The funds have not been put back into the Robinhood account. XXXX is saying that the reversal 'expired ' and all Robinhood needs to do is re-request funds. However, Robinhood has been a nightmare. I've spoken to many different people that sometimes understand but nothing ever happens. Raising my voice, not allowing the rep to cut me off on the phone eventually causes them to understand exactly what happened but it always results in them having to pass the case off to a 'team ' that I'm not able to speak to. It becomes an email chain where they eventually stop responding. Now, last week, Robinhood has frozen my account and is not responding to my emails. When I speak to them on the phone, they just say they will pass my information off, and I should hear back soon via email. I've tried calling XXXX bank  twice for any kind of info, but they are of no help and say I need to talk to Robinhood. 

On the XXXX site, I can still see the transfer in 'Manual ' status. Robinhood shows the account was debited and the funds are not there. Each time I've spoken to Robinhood on the phone, they say they need one more thing. I've now provided statements from all accounts I have ever linked going back 4.5 years ago, a copy of my passport, a live picture verification, a copy of my driver 's license, and a copy of my SS card. I have no idea why they needed all these things. 

This is the shortened version leaving out how many times I've spoken to all the banks and the endless hold times and endless email chains. I'm getting desperate and I know I messed up using my Robinhood account as my primary bank account for over 3 years now. I never had an issue until now. The transfer was for {$1000.00}, so I have been panicking a bit. The fact that they froze my account is also causing issues paying bills and screwed up my paycheck when they froze it on a payday.
Product: Bank account or service

My bank asked me to apply for a bank credit card, I was turned down, they showed me a screen shot that had accounts in good standing reported as derogatory that have never been late and in good standing. They told me if I could get a copy of my credit report to show that these accounts were in fact in good standing they would reverse their decision. I got a new credit report for myself and one sent to the bank and showed them in plain english and directly on the credit report that these accounts were in fact in good standing and not derogatory. They then told me that does n't matter they have to go by the original decision even though there information was inaccurate and did n't reflect what the actual credit report read.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. Please fix these, ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Prior to XX/XX/XXXX, I have sent letters requesting that Transunion send me their method of verification as to how the public record ( Chapter XXXX Bankruptcy ) was verified and to provide me proof of the signed petition. Transunion has failed to provide me with this information and continues to send me letters with the response that the public record is verified and accurate and it was verified by USBK COURT XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. 
I contacted the court at the contact number listed above and they stated per the Fair Credit Reporting Act, they do not report or furnish information about bankruptcies to Credit Bureaus and third parties. 

For XXXX XXXX, I have disputed errors on this account in XXXX, XXXX, and XXXX XXXX. The following discrepancies continue to report ( Date of last activity shows XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX  but XX/XX/XXXX on XXXX.
Product: Debt collection

On XX/XX/XXXX i received notice from XXXX, XXXX and XXXX that my credit report has changed. After checking my profiles I noticed Security Credit Service added collection accounts to my report. To my Knowledge I do not now nor have I ever had a contractual agreement with Security Credit Service or XXXX XXXX. XX/XX/XXXX after viewing my credit report is the first communication I have had with Security Credit Service or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have put an unauthorized Fraud Alert on my credit report. I called experian and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.
Product: Debt collection

I have yet to receive any response from the company regarding the allegations made against my collection methods. Please note that I am not familiar with this company, and would appreciate any communication regarding this matter. Thank you. 

CREDIT COLLECTION SERVICE Balance owed {$330.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I received a letter in the US postal mail from the collection agency XXXX XXXX XXXX XXXX stating that I owe the creditor PayPal, Inc {$1900.00}. This in not correct. I have no transactions on my PayPal account ever. I made several attempts to contact PayPal by phone and could not get through. I was redirected to sending an email to XXXX. 
I sent an email per the PayPal instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from PayPal in response to my email on XX/XX/2020.
Product: Debt collection

I had a collection with Quantum Collection that was for an apartment, XXXX. I moved in and the grounds were in bad shape over flowing dumpsters, trash every were the unit itself looked like it was never clean. It was filthy and gross. I told management that I was not going to fulfill the lease for this reason and that I would be moving out within the week. Which I did, I didn't even unpack my cloths. They kept my deposit and I think they pro rated my rent, but now I have a collection for it. I disputed the collection they were never able to provide me with any information to validate this debt. After pressing the for several months they finally deleted it from my credit report. Now I have another collection agency, XXXX XXXX, trying to collect on this bogus debt. Also, they have increased the original balance from {$620.00} to {$640.00}. This is a fake collection they can not provide any reason for the debt and they just keep selling it to new collection agencies.
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 Consumer 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 process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

At Experian, and XXXX XXXX, the later couldn't let me through, and Experian would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX remove the hard inquiry for both the XXXX XXXX and the XXXX as I do not recall applying for either one and I have never received a card from XXXX nor a purchased item from XXXX. 

I've also requested Transunion to remove the hard inquiry regarding the XXXX XXXX as I again do not recall applying for the card not have I received one. 

These discussions with both bureaus were had in XXXX and XXXX of 2020 with no response.
Product: Mortgage

-AmeriHome Mortgage Company handles a mortgage for my rental property -A balance was owed on my homeowner insurance 's insurance, provided by XXXX XXXX XXXX This was to be paid out of my mortgage escrow. This payment was due in early XXXX -AmeriHome did not pay this balance despite 5 plus calls from myself ( early XXXX through XXXX ), uploading my policy to their site, and providing them an address to pay this balance - Each time I spoke with them, they promised the payment would be overnighted -I received an email from XXXX XXXX on XX/XX/XXXX stating the balance still had not been paid and my policy would be cancelled XX/XX/XXXX if it was not paid -I called AmeriHome and had to use 2 cellular phones on speaker mode to connect a representative from AmeriHome to a representative from XXXX XXXX -I ultimately had to pay the balance ( approximately {$1500.00} ) out of my own pocket because AmeriHome could/would not make the payment in time
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Student loan

In XX/XX/XXXX I received notification from XXXX that my Income-Based Reduction payment plan was expiring. When I attempted in XX/XX/XXXX to re-apply I was denied an IBR plan and the reason stated was that I no longer qualified because the loan had to be paid off. I was told that I had 10 years to pay off the loan and that I'd actually been given 17 years - thus, I'd been " paying on the loan too long. '' The new monthly payment amount was set at over {$70.00} a month, which is on top of the {$250.00} a month payment that I make to XXXX for the bulk of my remaining student loan debt. On XX/XX/XXXX I again requested some repayment option that would reduce my monthly payment. I informed XXXX at that time that my spouse had become unemployed and I was unable to make the monthly payment of $ 70+ a month. Again I was told I had " no other options '' but to make that payment and pay off the loan in full. In the process of that call, I requested to be placed on a forebearance until my husband could reestablish employment. XXXX says ( on XX/XX/XXXX ) that the call was disconnected in the process ( I was told the forebearance was in place during that call before it became disconnected ). I received another letter the following month saying my loan was past due, so I called Nelnet again on XX/XX/XXXX to request a forebearance until my husband could reestablish employment and was granted two months - I was told my next payment due would be XX/XX/XXXX. I received a letter this week, dated XX/XX/XXXX, that stated that my loan was past due. Upon calling Nelnet today ( XX/XX/XXXX ), I learned that a wrong forebearance code had been placed on my account which allowed for a " reduced forebearance payment '' of {$71.00}. I called to dispute the fact that I had a forebearance, and also stated that I was told in XXXX that my forebearance could be retroactive to when I had initially requested it in XX/XX/XXXX. Today, I was told that no retroactive process could be put in place for the XXXX payment but could be applied to the XXXX payment. When trying to dispute reporting of late/past due payments the customer service representative informed me that they were unable to dispute EITHER month 's negative reporting to the credit bureaus. No reason was given. To date, Nelnet has refused to offer me reasonable repayment options for the loan, which they bought from another servicer XXXX years ago, and have now demanded payment must be completed on. My husband and I are unable to make that monthly loan payment in addition to the monthly loan payment that we make the other servicer of my student loans and the monthly payment we make for his student loans as well. Nelnet has given me no opportunities to rectify my account, and in the process, is responsible for damaging my credit due to their errors, which they will not correct.