23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One solicited me for a Business Card at 0 % for 12 months on purchases. Somewhere along the process they bait and switched me to a standard offer. This was not clear at any point during the process. This was clearly an unfair and deceptive practice. There is no reason I would not have received the premium offer with strong credit and a well established relationship with Cap One. 

I spoke to servicing and all they would say is NO, NO, and NO. They enticed me with the offer, I am just beginning to establish my business along with maintaining a full time job. This is not OK! If it was clear I would not 1. Accepted the offer and 2. Used the card to make a large purchase.

Also, this is a Business Card and they are reporting it to my consumer file, that was not clearly communicated. Unfair and Deceptive!!!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the following account appears on my credit report, without authorization, it does not belong to me, it is hurting me Identity Theft CBNA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Here is a brief description of the incident. On XXXX XX/XX/XXXX, I had visited XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked the store associate to create my free account. While creating a free account I was asked by the store associate to provide details about my SSN and other information. On asking if this would impact my credit score, she said no it would not. I asked her why this is required since I am only creating an optional free account, she assured me that it is just the policy. However, on the application, I did not fill my income details correctly, since I did not want to apply for anything at all except for a free account. Days later I received a letter which mentioned my application for XXXX XXXX issued by XXXX XXXXXXXX XXXX was rejected based on lack of account information. On XXXX XXXX, I saw that there was a hard inquiry done on my Equifax account. 

I had never asked for creation of a XXXX card issued by XXXXXXXX XXXX My Credit score was impacted due to this. Keeping this in mind, I have raised an identity theft fraud report and will be sending the report and relevant documentation to Equifax and XXXXXXXX XXXX I am disputing the hard inquiry that was done against my credit account. 

On XXXX XXXX XXXX XXXX XXXX told me that it would undo the hard inquiry that was raised against my credit report and would inform Equifax. However, it is currently XXXX XX/XX/XXXX and Equifax has reported that it has not received any kind of communication from XXXXXXXX XXXX. I have recorded audio calls as a proof for this. In view of this, I am raising this identity theft report so that my issue is resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Illegally levied a joint sXXXX XXXX account that has my ( spouse of the debtor ) paycheck. Refuses to answer phone. Second time in 4 years theyve done this.
Product: Vehicle loan or lease

The company repossessed vehicle in XXXX after they refused to honor my valid vehicle warranty for a failed engine. I tried talking with them several times to negotiate vehicle loan obligations due to the engine failure in less than a year of purchase if I replaced the engine myself. They declined all offers, turned the vehicle off so I couldn't even start it to get a second diagnosis on it. 

They sent notice that they wrote the debt off {$4500.00} in XXXX. But contrary Now they are trying to garnish my wages 8 years later. This is so unfair. They claimed they got against judgement on me in XX/XX/XXXX, which I never knew about, nor has it ever even been on any of my credit reports. This is unjust and just wrong. Now they've boosted the debt to over {$7000.00}. I'm XXXX any only work part time just to be able to feed myself. This is crazy. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is XXXX XXXX. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the XXXX XXXX  reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
XXXX XXXX does not care about its customers and is rated very poorly.
Product: Money transfer, virtual currency, or money service

I have used PayPal for years without issue, but I made the mistake of trusting that Venmo was a safe platform where individuals were vetted and sellers were subjected to the typical XXXX  requirements used by banks. I paid for a product over Venmo which I later learned is not protected from scam or fraud because the payments are person to person payments. I was scammed out of XXXX by a person on Venmo who promptly closed her account. Neither my bank nor Venmo ( PayPal ) will refund the money. If Venmo is making fees from transactions and are unwilling to prevent fraud, investigate and prosecute scammers, and facilitate refunds, then they are basically allowing and helping criminals scam people out of money. Venmo should be just as diligent and responsible as PayPal in protecting the people who use their services. Otherwise they are complicit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than XXXX times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX  website.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against STAFFORD GROUP ASSOCIATE for committing identity theft. I have never given STAFFORD GROUP ASSOCIATE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from STAFFORD GROUP ASSOCIATE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If STAFFORD GROUP ASSOCIATE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until STAFFORD GROUP ASSOCIATE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and STAFFORD GROUP ASSOCIATE continues its collection efforts, I will file for litigation for actual damages caused and STAFFORD GROUP ASSOCIATE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Coinbase account was emptied. I opened the account in XXXX and never touched it for years. In XX/XX/XXXX I was contacted by XXXX of XXXX as agents for Coinbase. They offered to help me to move funds in my account to increase my earnings. XXXX XXXX was my contact and he provided me with almost daily information on my account including graphs showing how my funds were increasing. At his suggestion I made XXXX {$10000.00} transfers to Coinbase between XXXX and XX/XX/XXXX, with the last one taking place on XX/XX/XXXX. On XX/XX/XXXX I was no longer able to access either my Coinbase account or XXXX. It took me XXXX days to reinstate my account with Coinbase ( they kept asking me to re-set my account ). By mid XXXX I was able to access my account and found that it had been emptied on XX/XX/XXXX. I contacted the local police who sent XXXX XXXX XXXX to visit us on Wednesday, XX/XX/XXXX ( Case No. XXXX ) and at his suggestion I filed an Internet Crime Complaint on XX/XX/XXXX. Although the report was acknowledged, I have never heard back from them. In the meantime, I have had multiple communications with Coinbase who claim that they have always followed my requests. They sent me several reports showing the movement from my account on XX/XX/XXXX and the amount of the transactions, which were much higher than the funds I had in my account. When I asked them for further explanations regarding these reports, Coinbase provided me with a link to a site where I can subpoena them - I only wanted further information and had no intention of suing them or forcing them via subpoena. Obviously, my account was hacked and emptied, but what I want from Coinbase is information about how this was done and by whom, and the explanation for the very high volume of transactions that appear to have taken place in my account. I will attach a copy of my complaint to the Internet Crime Complaint base which provides information concerning XXXX and the different people involved, with dates of contacts, etc. XXXX additional name to add is XXXX XXXX who responded to one of my calls to XXXX XXXX in XXXX. His number is XXXX. I am not sure what connection he has to XXXX, but he was not happy to get my call.
Product: Debt collection

Over the past two weeks, I have received over 50 calls from this number XXXX. When I pick up the phone, the call is IMMEDIATELY disconnected. I started ignoring their calls, however they continue to leave voicemails that are one second of silence. I had no idea who they were or why they were calling me. When I attempt to call them back, I am placed on hold for 20 minutes and was never connected to a person, the line went dead. 

I looked the phone number up online and discovered the company was North American Recovery. I have received no mail communications, no actual phone messages, I do n't know why they are calling me. If i indeed owe them money, they are not letting me know who they are, how much I owe, or how to pay. All I get are hang-ups and empty voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover financial services is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with BJs on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. BJs, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, BJs never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Debt collection

I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus both as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.
Product: Debt collection

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, My significant other ( who is apart of a XXXX XXXX XXXX XXXX XXXX ) received an email from XXXX '. In the email " XXXX XXXX '' mentioned how their late husband passed away and that they needed to find a place for their piano. All we had to do was cover the moving charges. We agreed to pay the charges of {$790.00} through Zelle ( Payment made XX/XX/2022 ). 

My significant other and I are both XXXX XXXX so we thought this was a golden opportunity. 

A few days later they began to ask for more and more money which is when we grew suspicious. Come to find out after XXXX research that this is a common scam done for XXXX XXXX 

Come to today, XX/XX/2022, we drove to XXXX XXXX  asking if their was a way to dispute our transaction. They told us because Zelle was used there was nothing that they could do. We then contacted Zelle who told us they are not able to move money from bank to bank. Finally, we called the XXXX, but no one could aid us. 

After looking on the internet we stumbled across a new report of a woman who had a similar experience to us. In this report they said the CFPB can help people who have been in this situation before. 

We feel ridiculous as to the outcome of the transaction. Losing money for a piano fulfillment that will never come to pass. 

I am attaching the email log with the initial person who reached out and " XXXXXXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Specific details of the repossession in question listed in document attached 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Credit reporting or other personal consumer reports

Account was paid. XXXX is saying account was never late. I have email from them. Credit collection company wont do anything as they are saying the account is closed so its not their repsponsiblity. 

XXXX can't do anything as they are not showing the account was ever late. 


CREDIT CONTROL SERVICE Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance details Paid off - Balance - Balance updated - Original balance {$550.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 

Contact info Name CREDIT CONTROL SERVICE Address XXXX XXXX XXXXXXXX XXXX XXXX2XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.