23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I live with my son. He was out of work.he is XXXX.We could not pay the rent in XXXX, 2018, and we were threatened with a 3 day notice. 
I was desperate and full of fear of homelessness. I had debilitating nightmares of being on the streets.Im a senior on social security. 
I found CHECK INTO CASH on XXXX XXXX XXXX, XXXX XXXX, and borrowed {$5300.00} from that company. This was going to pay the rent until my son was working again. NOTHING ABOUT THE LOAN WAS EXPLAINED TO ME. Absolutely nothing. I made the loan in desperation. They took the title of my beloved car.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered XXXX pairs of shoes from Salomonusashop.com The payment was processed through XXXX. I became suspicious when I didnt get an email confirmation, and started a credit card dispute on XX/XX/XXXX after several attempts to contact XXXX. On XX/XX/XXXX USAA requested supporting documents. I was unable to upload documents through the online portal so I called in. The agent I spoke with clarified that what had happened fell under fraud rather than dispute, so the card ending in XXXX was closed and a new one was sent. 

As the dispute process and fraud investigation proceeding the {$96.00} charge was debited on XX/XX/XXXX and XX/XX/XXXX, and credited on XX/XX/XXXX and XXXX, XXXX, XXXX. On XX/XX/XXXX, a new debit of {$96.00} appeared on the account with the new credit card ending in XXXX. I called in on XX/XX/XXXX and was told that I would need to again close the account and be issued a new credit card number. I was also told that I may need to do this a few more times before the charge stopped showing up on the account. Hearing this, I decided the account was too severely compromised to stay open. I asked that it be closed permanently and entirely, and a new fraud claim be started. 

After waiting until XX/XX/XXXX and seeing no evidence the account had been closed or a new fraud claim had been started I called in again. I was assured the account was closed and the fraud claim was underway. By XX/XX/XXXX there still was no evidence the account had been closed or the fraud claim had been started. I called in again. This time I was told that the charge on the account was actually a creditin spite of the very clear evidence to the contrary. After having this explained to me repeatedly for well over XXXX minutes, I asked that the call be escalated. The supervisor I spoke with indicated the charge had been reinstated, there would be no further action by USAA and the charge would remain my responsibility. 

In the interim a document was delivered to my online portal claiming the charge was valid because my email address was tied to a XX/XX/XXXX transaction that had not been disputed. There are no charges from XXXX on the account in question, or any other USAA account, on that day or even that year. In addition, there are no charges on the XXXX account associated with the email address anytime in XXXX.
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 or other personal consumer reports

With Experian credit reporting, there are several inquiries on my credit report that I don't recognize, and every time I try to get them off, they show back up after I've told them I do not recognize the transaction. They argue me down that it's mine, and it's not.
Product: Money transfer, virtual currency, or money service

I have used the Capital One shopping rewards portal since XXXX and my account was abruptly shut down in XX/XX/XXXX without warning and over {$9000.00} in reward dollars earned were withheld. I no longer have access to my account to reconcile shopping trips and how much money was missing from using Capital One Shopping Rewards portal and app approximately from XXXX to XX/XX/XXXX. 

In XX/XX/XXXX, I noticed most of my shopping trips at XXXX were not tracked properly and therefore no reward dollars were issued. I reported the errors to customer service and the points were manually issued. In XX/XX/XXXX, I noticed there was significant discrepancy between the promised payout on the Capital One Shopping App for XXXX accesories versus actual payout. The actual rate difference is XXXX XXXX XXXX XXXX XXXX  I submitted a total of 20 support ticket to request payout corrections. Customer services acknowledged my request, promised to investigate and get back to me with the results. Instead, my account was shut down on XX/XX/XXXX with no explanation. My rewards balance was approximately over {$9000.00} at the time of account closure. Capital One is not willing to correct the payout discrepancy and closed my account to avoid paying out the rewards I have work hard to earn. 

I follow up with a new inquiry about my account status on XX/XX/XXXX and have yet to receive a response from Capital One. The Capital One Shopping website and app does not publish a customer service phone number. I contacted Capital One 's general XXXX and XXXX numbers to resolve but no customer service agent was able to assist and they all re-direct me to email XXXX.
Product: Debt collection

I have two separate complaints. 

the first is, repeated phone calls from the following company. I will try to link correctly to the Virginia registry of corporate entities. 

https : //cis.scc.virginia.gov/EntitySearch/BusinessInformation? XXXX & XXXX XXXX XXXX This is the business called Portfolio Recovery in Virginia. They mailed me something that came yesterday, and I do have a screenshot of it if you're interested and my email is XXXX The mailing fails to properly say to the person they are seeking collection from that by not making any payment, depending on state law, they likely can not be sued XXXX statute of limitation expiration. 
Instead, the disclaimer states that even if you're in a state where by making a payment on the debt which is no longer collectible through legal action, they will not sue even if they are able. 

if you like the exact wording, again just contact me at my email address. I have a screenshot of that part of it or can include the entire document if you would like. As far as the phone calls go they continue to happen at least twice per day, usually during permissible hours and I have not yet sent a cease-and-desist letter. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Experian. Their records falsely reflect several payments as late, despite the fact that they were made on time. These errors have remained on my credit report, unfairly damaging my credit score and causing unnecessary frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.
Product: Debt collection

These accounts are not mine. Restrict these accounts immediately. I have the right to privacy and have never done business with these companies. 

I deliberately and freely choose to write this letter. I've found that my credit reports contain inaccuracies, and the FCRA Act mandates that actual people, not computer programs, verify them. I'll confirm by talking to people I know because secondary credit reporting firms ' information is usually inaccurate. I demand that this content be removed immediately. 


XXXX. Offer proof of the debt, such as real accounting.

XXXX. A signed invoice serving as proof of their claim against you.

XXXX. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation. Last but not least, kindly delete the above negative data from my credit report :. I'll go to court if necessary. 



All information must be correct and validated in accordance with 15 USC 1681. None of the aforementioned facts were checked by anyone. They are violating my legal rights. I have a right to privacy, and no one has my consent to share this information. There can be no accounts provided on my report without my express written consent. 



15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 



( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

I entered an agreement with a solar company XXXX XXXX to install solar on my house. It was funded through Green Sky. The work was to be completed in XXXX of 2023 and by end of XXXX at the latest. I already had existing permits and plans to work off of. The company failed to produce any accurate work to what was agreed upon by late XXXX. Green Sky texted me to ask if it was okay to disperse funds, I responded no because none of the agreed upon work had taken place. Green Sky still sent out over XXXX dollars to XXXX XXXX. XXXX XXXX proceeded to obtain and create their own plans, disregarding my existing ones. The plans XXXX XXXX created were inaccurate to what we agreed upon. I contacted XXXX XXXX to let them know about the inaccurate plans and permits. XXXX XXXX sent a text saying they would no longer complete the project and voided the working contract. Green Sky tried to recoup the funds that I told them not to send out but left me with {$1500.00} in a balance. I asked Green Sky to request full refund since XXXX XXXX broke the contract and provided no work. Green Sky said the XXXX solar kept the funds because of 12 hours worked on the project. 

In conclusion, Green Sky sent out unauthorized funds from my account. Refused to refund the money and is expecting me to pay out money back to them for funds I asked not to be dispersed.
Product: Money transfer, virtual currency, or money service

I did a instant transfer through Cashapp to my XXXX XXXX XXXX personal account of {$85.00} on XX/XX/XXXX. The money did not transfer, I was then told through their chat service that it would be 1-3 business days even though state instant and was charged a fee of {$1.00} to transfer to my personal account. They refunded the transfer fee and then state again it could be 1-3 days for my money to deposit. They stated I needed to contact my bank because my card my be turned off and or maybe incoming. I spoke with XXXX and they stated they saw nothing incoming for Cashapp at all. As of XX/XX/XXXX, my money still has not been deposited into my account. I reached out to Cashapp XX/XX/XXXX and they stated that they escalated it to a speciality team and to look out for an email, not a call but an email. I was also told that this could be another 48-72 hours. I asked what exactly what happened? No answer, nothing has been explained nor tried to be explained.
Product: Credit reporting or other personal consumer reports

Someone opened this account without my knowledge. Ive disputed, but will not be removed. There are late payments causing my score to drop.Please see attached screenshot
Product: Consumer Loan

In XXXX, my wife purchased XXXX vehicles with Ford, as part of our process to move to the US. I did n't apply with her because at the moment of the purchase, we were not married and I did n't have a social security card. one of these cars was bought with a loan from Ford Credit. In XXXX XXXX, once married and once I had accumulated enough credit history, we contacted Ford Credit in order to add me to the car loan. We applied and we provided all the information that Ford Credit required. After some conversations with their customer service department, we were required to provide a notarized copy of my social security card, which we did. Two weeks later, we got a letter ( attached ) stating that my request had been denied, but without clarifying the real reason for their decision. I had to contact them again, and they stated that they could n't provide this data over the phone, and that they could send us a letter with these reasons. We received this letter ( also attached ) 3 weeks later, stating that the application had been denied because they were " Unable to Verify the Validity of the Social Security Number ''. This letter did n't have any other information, except the customer service phone number. After reaching to them again ( for the 4th or 5th time ), they tell me that there is nothing that they can do, and that my only option is to send a formal letter disputing this decision. 
I find it extremely ridiculous that Ford Credit continuously wastes our time, diverting us with letters and making us call the same number again and again to receive different information each time and never providing a real answer, but diverting us and making us wait till we receive another useless letter, which will lead to another time wasting call.
Product: Credit reporting or other personal consumer reports

FCRA & FDCPA Violations by XXXX XXXX XXXX To XXXX XXXX XXXX, This letter serves as a formal dispute and demand for debt validation regarding the account you have reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide proper validation of any debt you are attempting to collect or report. 

DEMAND FOR PROOF OF DEBT OWNERSHIP You are a third-party debt collector with no permissible purpose to collect or report this debt unless you can prove legal ownership or an assignment contract from the original creditor. To ensure compliance with federal law, I demand the following : 1. Proof of Debt Ownership Provide a legally binding debt assignment contract proving that you own or have the legal right to collect on this debt.

2. Original Signed Contract Provide a copy of the original contract bearing my signature, demonstrating that I agreed to this alleged debt and its transfer.

3. Itemized Statement of Charges Provide a full breakdown of how the alleged balance was calculated, including interest, fees, and payment history from the original creditor. 
4. Proof of Securitization Status If this debt has been securitized or sold, you are attempting to collect on an unlawfully transferred debt that you do not legally own.

5. Permissible Purpose to Report Provide documentation proving that you have a legal right to report this debt under 15 U.S.C. 1681b.

NOTICE OF FCRA & FDCPA VIOLATIONS If you fail to provide proper debt validation, you are in direct violation of : 15 U.S.C. 1692g ( b ) Failure to provide verification or cease collection activity.

15 U.S.C. 1681b ( f ) Unlawful reporting of information without a valid permissible purpose. 
15 U.S.C. 1692e ( 8 ) Illegal reporting of false credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of XX/XX/XXXX.
Product: Debt collection

Customer paid me for an order through PayPal, this was the fourth order customer had paid me for, all increasing in value. He stated he did not receive the items and filed a dispute. Upon investigating with my distributor and also XXXX, it was proven that the items were indeed delivered. I had spoken to PayPal and they had sided with me, resulting in my initial win of the case. Shortly thereafter, customer did something resulting in him re-winning the case and me losing out on {$1100.00}. I do not make much money on these orders, maybe 10 % if I am lucky. In this case, PayPal pulled money out of my account, made it negative and I also was not reimbursed anything for the product. PayPal then shut down my account and blocked me from logging in, so I would not be able to pay my PayPal credit bill with them. I was just forced to pay a past due balance of {$890.00} with them ( {$200.00} or so was paid a couple months ago ) so I can pay my credit card payment with them and not default. I tried to call PayPal to pay my bill and was automatically routed to a debt collection agency and was told " sorry, this is a catch 22, you can't pay your bill until you settle up with PayPal. Unfortunately you also can't use any part of the account unless you pay in full. '' So of course, I was forced to paying the entire bill at once so my credit isn't hurt. I am so frustrated that it's so easy for consumers to take advantage of a business and the companies you PAY to handle the merchant processing just XXXX you in the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It XXXX Concern : I received another copy of my credit report with the intention to trying to improve my credit and noticed their was not an complete update to my credit report on the previous reported claim with lender. I know the information associated with the account is not correct and needs to be updated or DELETE THE ACCOUNT. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. Again, since XX/XX/XXXX the account was supposed to be closed since the received mailed letter. In turn that means any charges after XX/XX/XXXX, the closing date of the account NOT ANY DATE AFTER XXXX, should be removed and/waived off the CLOSED ACCOUNT. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date.

Please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. THE DATE IN XXXX WAS A LATE REPORTING FROM XXXX XXXX NOT THE ACCURATELY REPORTING THE CLOSING DATE OF THE CLOSED ACCOUNT BACK I. XX/XX/XXXX. 

Remove any late payment dates AFTER XX/XX/XXXX LETTER STATED THEY CLOSED THE ACCOUNT ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account IN XXXX ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was CLOSED PER MAILED LETTER FROM LENDER ). 

Change the BALANCE and AMOUNT PASS DUE on the credit report from {$0.00}. ACCOUNT WAS CLOSED ON XX/XX/XXXX PER MAILED LETTER CUTTING A CHECK SHOWING ACCOUNT WAS FULLY PAID IN FULL ). 

In addition, the reported misinformation on my credit report as stated above as of XX/XX/XXXX is attached. Thank you for your assistance.
Product: Debt collection

I am aware that I am delinquent on both of my accounts, and I have let Capital One know that I have filed for bankruptcy with an attorney. Even though they have this information, I am still being harassed with phone calls where they will call me and then hang up. I attempt to answer these calls and talk to whoever is there but they will not speak and no amount of pressing buttons will get me to an operator or customer service agent. These calls are coming at random times of the day, several times a day.. When I call about this problem, they deny that they called and they refuse to cooperate. This is a violation of US bankruptcy laws and this harassing behavior will be reported to my attorney and to the bankruptcy court.
Product: Checking or savings account

On XX/XX/2023, Truist Bank assessed a {$36.00} fee to my account balance at $ XXXX with pending transactions. However, the account was NOT negative, as of yet, where I was going to make a deposit and their policy is that when the account is negative then they will allow you until XXXX the next day to make a deposit. The policy was not implemented for my account and the {$36.00} overdraft fee occurred. This is not right and I would like to file a complaint against Truist Bank. 

There was another {$36.00} fee charged to my account when my account was overdrawn by only {$1.00}. I tried to XXXX an amount from another bank account with the instructions from a customer service agent through the Chat and she couldn't tell how to properly deposit the money so that my account would not overdraw. This would be a banking error. Yet, the {$36.00} was applied to my account.