23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see letter below, the client XXXX retained Law Firm to sue to the fullest extent to get me to pay. XXXX says that the debt is still with the debt collector and do not mention said law firm in the letter And still refer to my debt as in collections with Caine and Weiner and that I need to contact them. but I cant contact them because they dont even have the debt or so they say. I want to see the agreement between XXXX  and Pucin and Friedland specifically because XXXX  is still saying its with Caine and Weiner according to the XXXX  complaint. Also, it my understanding that if you are collecting a debt you need to state that youre collecting a debt and this letter does not state youre collecting a debt It just goes straight into immediate payment is now required or my client may authorize me to take all legal measures available. XXXX  cant give me a straight answer if they are the client or the deck collector as a client, but there listing XXXX  as their client and XXXX says that Caine and Weiner is where the debt is. Threatening to sue without intent is against the law. im going to need a validation of debt with dates and balances, licenses, etc. I am also going to need the agreement between progressive and Pucin and Friedland with this specific debt. My question is Pucin and Friedland representing XXXX or are they actually representing Caine and Weiner. These are all valid questions and I would like Valid Responses from all parties. I would like agreements coming from all three businesses. if there is any question in the validity of this letter, and I want no further contact. Caine and Weiner also must respond to what happened with the debt.
Product: Credit card or prepaid card

To whom it may concern : Back in XXXX of XXXX my credit card was lost or stolen and some one has run up a balance of {$9400.00}. I contacted Navy Federal Credit union to report that card was missing and charges were not made by myself or anyone I know. NFCU posted a provisioning credit for the time being. On XX/XX/XXXX I've received a letter from NFCU stating that there were no billing errors occurred and the provisioning credit will be reversed on XX/XX/XXXX. I tried contacting and writing to NFCU ever since with no luck. I would like to appeal the decision and would like to know exactly which criteria was used to determine this outcome. Because I have proof to verify that I was nowhere near those location where the credit card ending in XXXX was used. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18, my XXXX 'S bill showed my previous bill of {$510.00} was unpaid and added a late charge fee of XXXX, plus interest of XXXX. When I called XXXX XXXX, XXXX XXXX XXXX XXXX. I was told that the previous bill was unpaid. I informed them that the Bill was paid and I have the confirmation # - XXXX - XXXX. The rep said that she found no payment was made and the interest will continue to add up until the total amount is paid. I called later on that day and asked if the acct could be placed in dispute, that way the interest will be on hold until the matter is resolved. That was denied. I was told that when the check was cashed I should asked the bank to send me the receipt and then I should email it to XXXX XXXX. I was given the option of opening up an on line account with XXXX XXXX   with a secure email, so I can email them the receipt. They refused to do any kind of internal investigation to trace the money trail, to see if by chance the money could have been to paid out to someone else 's acct, or if it was stolen by an employee.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used my Chime account to make a ( pay anyone transfer ). It is advertised that someone without a chime account can receive a text and a secure link to receive money without having to sign up for Chime. I owed someone XXXX and sent the transfer to their phone number. This person doesnt have a chime account. After the transfer was sent the person that was supposed to be receiving it did not get a text message with a link from chime. Instead, the lady that used to have the phone number ( previously owed the phone number ). Received a chime to chime transfer of XXXX. The person I was paying bought a new phone and got a new number 2 months before I attempted to send money to him with the number. The lady that previously owed the number didnt update her chime account and take the number off. I have disputed and rebuttaled with chime and they continue to deny my claim and tell me that they consider this matter closed. The wrong person received my money and they could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. 

These accounts are fraud. 
XXXX XXXX  {$120000.00} XX/XX/2023 XXXX XXXX {$110000.00} XX/XX/2023 XXXX XXXX {$49000.00} XX/XX/2023 XXXX XXXX {$52000.00} XX/XX/2023 XXXXXXXX XXXX XXXX {$22000.00} XX/XX/2023 These inquiries are fraud. 

XXXX XX/XX/2023 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Apparently, capital 1 is having technical issues. Wasn't aware of this until the middle or early morning by a vague email this all started on XX/XX/XXXX. I did not receive my direct deposit from my employer which should have been in my account XX/XX/XXXX here we are XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. and not a word on the progress of this issue or anything. I need my paycheck- I have major bills to pay which is causing late fees and NSF fees.Let alone my medications which I can afford copays. Capital 1 needs to be held accountable for these issues. Along with rectifying their damages to people..
Product: Credit card

I woke up on XX/XX/XXXX to a message from my credit card company, Chase, stating that there was fraudulent activity on my card. I checked my account and XXXX {$15.00} XXXX  transactions ( total {$130.00} ) were made through the XXXX XXXX using my card. This was not me. I immediately reported it to Chase, they cancelled my card, sent me a new one, and removed the charges from my account stating they would look into it. At this same time XXXX sent me an email saying there was suspicious activity on my account, which had obviously been hacked. I recovered my account and changed the password. In the security tab I was able to see multiple log on attempts from foreign countries. At this point I felt I had resolved the issue. 

XXXX months later in XX/XX/XXXX, I check my statement and notice the charges reappeared on my card. I called Chase and they told me their investigation found the charges to be valid and I would have to pay for them. I insisted that I did not make the purchases. Chase told me XXXX said the purchases were legitimate and they were trusting the seller ( who had even notified me of my compromised account ) and not their client ( me ). They offered to reopen the fraud claim if I had any additional evidence. I told them I could share the email from XXXX on XX/XX/XXXX and I could show evidence of regular attempts to login to my XXXX account from foreign countries. I sent them the documents and they reevaluated the case. 

Today I received a letter in the mail from Chase once again denying my fraud claim. I am the victim of crime and my credit card company is not protecting me as they advertise with their " Zero Liability Protection. '' I am frustrated and not sure what to do.
Product: Debt collection

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 m
y 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I cant believe I found several inquiries from your company on my credit report that I didnt approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed this account which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX Balance : {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i send a dispute to equifax on the XXXX of XXXX about information that is reporting incorrect on my credit report that show inaccurate date and amount i also mailed three separate copy 's of credit report to show the inaccuracy and today XX/XX/2019 i receive letter of my credit report that said it is verified.
Product: Debt collection

Last month I disputed this debt in order to verify it with LVNV funding, they not only failed to comply with my request for documentation, they also have threatened and intimated me into paying this debt on multiple occasions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I '' m making a complaint about capital one businesses spark card. Because they shut my card down with out notice, or an email nor phone call. I tried to make a payment twice but it was bounced back because I did a wire transfer instead of an on-line transfer so thats why the payment was not going through. I did the  payment a third time and got it correct. but my card was still shut down I never missed a payment from capital one nor was I never late on a payment. So I asked them to remove the inquiry from my credit since they shut my card down and they refused. Pleas help me get this hard inquiry off my credit
Product: Debt collection

CNAC attempted to contact me regarding my brother XXXX XXXX 's debt on XX/XX/XXXX. They told me that he had a debt and that it was for a car before asking me for his current number, which they already have and have spoken to him multiple times in the past few months. It was illegal for them to contact me when they had his contact, and it was illegal for them to release details about his debt. I told them I did not authorize them to continue calling me and to remove my number, which they claimed they did. 

Nevertheless, I received a call from CNAC on XX/XX/XXXX, in which they again revealed illegal details about a debt to a third party and during which they threatened that they could call me as many times as they wanted and I could not deauthorize them for any reason. 

They then provided false statements to CFBP, lying to a federal agency about the very existence of the harrassing call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

To assist you with filing a complaint regarding the inaccuracies in your credit report and the handling of your dispute by the credit bureau, I'll draft a letter that you can use. This letter will reference the relevant U.S. Code ( 15 USC 1681i ) which outlines the responsibilities of credit reporting agencies to conduct a reasonable reinvestigation upon dispute To Whom It May Concern, I am writing to express my dissatisfaction with the handling of my recent dispute, filed on XX/XX/XXXX, regarding inaccuracies in my credit report, specifically related to the XXXX XXXX account ( account number : XXXX ). Despite providing necessary documentation and utilizing certified mail ( tracking number : XXXX ) to ensure the delivery of my dispute letter, the inaccuracies remain unaddressed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are mandated to conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and to correct or delete any inaccuracies within a specific timeframe. The failure to perform such an investigation not only undermines my financial integrity but also violates my rights under the FCRA. 

Given the gravity of this matter and its potential impact on my financial health, I urge XXXX to undertake a thorough and expedient reinvestigation of the disputed account. I expect the inaccuracies to be corrected, including any information that can not be verified as accurate, and to receive a written confirmation of these corrections. 

Please be aware that I am prepared to take further action, including seeking legal remedies, should there be continued non-compliance with the FCRA requirements. I trust that it will not come to this and that XXXX will act promptly to rectify this situation. 

I look forward to your prompt response and a resolution to this matter. Please update me with any progress or additional information required from my end. 

Sincerely, XXXX XXXX
Product: Debt collection

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

Hello CFPB, I would like your help regarding my credit card debt TO Capital One. They closed my account, I got some fraudelent charges that I'm not aware of. Payments that I don't recognized, I always just pay every month the minimum due. Like {$50.00} + dollars. I only owed them {$1800.00} and I just paid them a week ago an amount of $ XXXX. Now they are charging me for those returned payments and my balance is showing now as {$3400.00} plus something. Again, I Didn't know anything about all these payments and they are trying to charge me with this and it shows on my balance. It's funny because I just got an email that. Says : " Returned payments arent reflected in your balance and wont be applied to any remaining minimum payment you may have. '' But clearly this is not what is reflected in the account. So please can you help me settle this. They told me that I should also be in contact with the collections and check again the balance if it changes anything but I guess this is only their way of misleading you. Thanks in advance! Thanks for the help. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX - XXXX - This is not mine- this belonged to a patient who is no longer living. Remove this from my report. - Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Delete account for failure to perform an investigation per fcra regulation XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. 
Remove this from my report. - Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXXXXXX - This is Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15USC 1692 ( g ) account legally paid in full but still showing inaccurate information- please investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question Highlighted XXXX XXXX XXXX - This is not mine- this belonged to a patient who is no longer living. 
1 of 6 Remove this from my report. - Delete account for failure to perform an investigation per fcra regulation XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. Remove this from my report. - Delete account for failure to perform an investigation per fcra regulation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I am very happen with the statis of a refinance on my FHA loan throughLoan Depot, applied XXXX XX/XX/XXXX and in XXXX told my wife 's XXXX hadexpired and needed to renew it! I had my original loan in XX/XX/XXXX and cardwas already expired XX/XX/XXXX I was told by my rep, I did not have to makemortgage payment until XXXX, it was adjusted in new loan! ( this was onhis cell ) not recorded ). XXXX XXXX card was renewed and told it was inprocessing and then on XXXX XXXX, I was told can not get loan, due tomissed payments! Contacted FHA and no help! I feel I should not beblamed in this case and loan should be reinstated! I did all they wantedand closed my accounts to be paid off and now have destroyed my creditand financial in ruin! It seems the laws are not to help anyone in need, retired, on social security, to be taken advantaged of!!!
Product: Checking or savings account

Subject : Complaint Regarding Checking Account Discrepancies and Request for Investigation Dear Customer Service Team, I am writing to formally express my dissatisfaction with the ongoing discrepancies in my checking account over the past XXXX and a half years. My wife and I have experienced continual issues where the balance reported by Bank of America does not match the actual available funds in the account. These fluctuations have caused significant confusion and distress, leading to serious financial burdens. 

In total, I estimate that we have experienced around {$3000.00} in discrepancies, with funds seemingly missing or held inappropriately. A specific incident occurred on XX/XX/year>, when I ordered a refrigerator from XXXX and subsequently canceled the order. I should have seen the funds from the hold returned to my account, but it took nearly XXXX weeks for Bank of America to acknowledge the existence of a pre-hold report. Even then, the bank admitted they could not explain what happened with the funds, leaving me to go through my account line by line to identify the issue. 

This situation is unacceptable. The unexplained fluctuations in our account balance have caused us grave financial difficulty, and I have lost confidence in the security and accuracy of your services. As a result, I have decided to close my account with Bank of America. 

However, before I proceed, I formally request that this matter be thoroughly investigated. I would appreciate your assistance in identifying where these discrepancies occurred and how they will be addressed. A clear and transparent resolution is necessary to ensure that this does not happen to other customers. 

I expect a prompt and detailed response, as well as a plan of action to resolve the missing funds. Please contact me at your earliest convenience to discuss how you plan to investigate and address this issue. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.