23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit karma a year ago and seen that I owe Capstone Credit & Collections {$5100.00} for the original creator name XXXX XXXX XXXX XXXX  XXXX I XXXX the creator and these are apartments in my city. For starters Ive never had an apartment Im XXXX XXXX XXXX. Second I was able to access a site a year ago that gives me a full credit report and I seen on there the year that account was opened was between XXXX, one of the four Im not sure what site that was to go back and check but between those years I was between the ages of XXXX and I believe in Florida you have to be 18 and older to rent or lease or own anything. Also Ive lived with my grandmother my entire life and those addresses should be documented several places like school, doctors office, mail, and more systems I can even provide you guys with all of the addresses Ive stayed at in my life. Ive never known anything about credit until I turned XXXX thats when I began to check to see hows mine doing just to find out theres debt that could possibly effect me and my wants and needs because someone used my identity for their wants and needs and thats not fair. I contacted Capstone collections directly I even sent a written letter to them and I was trying to follow up with them throughout the entire process and there was a lady that I spoke with that was being rude the entire call when I was asking questions she told me You know where this comes from and hung up in my face I was very shocked because thats very rude to tell me I know something my that I dont know anything about so I made a police report so they could investigate and get to the bottom of it but nothing else happened after that so I gave up for a while until I realized that false debt will affect me Im XXXX and still learning a lot of stuff. I also contacted the credit bureaus thats who gave me the number and site to report the debt and here I am now looking for helpful solutions. I believe this collection needs to be removed from my account because it is false and I can provide you guys with any information you may need to further assist me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on XXXX report from XXXX  XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from XXXX, Transunion XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As always. I usually check my credit report monthly. On XX/XX/XXXX was exception that's when I noticed a few derogatory comments on my Experian credit report. On that same day XX/XX/XXXX. I called the number that was on the report and spoke with a representative from XXXX XXXX. I was told I'm being recorded. Then I was asked a series of questions which I answered. During our brief conversation I asked the representative. What's mailing address on the invoice? She replied with a po box . I then told her I don't have a po box and it would be greatly appreciated if your company remove the derogatory report off my credit. She agreed. Fast forward to XX/XX/2021about a week later nothing has done in this regard. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; CA XXXX XXXX Thanks- XXXX XXXX .
Product: Credit card or prepaid card

AS a customer since 1999, I have made thousands of transaction and handful of disputes. 
A merchant named XXXX online charged my card promising they provide a service. They never rendered a service and I filed a dispute with the credit card company. The company suspended the charges pending dispute and then, quietly reinstated the charges of {$2900.00}. After sometime, I reminded them and they suspended again and this time again they quietly reinstated the charges and did not inform me as required by the law. 
I tried to resolve the issue by refiling the dispute. The system took me to a chat where I chatted with XXXX, Emp ID XXXX who among the other thing did not see the value of tenure in this dispute. That Employee transferred me to the manager XXXX, Emp. ID XXXX. At lease that is how they identified themselves.
Product: Debt collection

I have attempted to resolve the debt and we could not come to an agreement. The debt collector has started calling me at work. I have told him twice that I can not receive personal calls and may lose my job. When I said " DO NOT call me at work! '' he said " that is not an option ''. He states that he is a representative of XXXX XXXX  to persuade my co-workers that is an urgent matter concerning my insurance. This is a lie and deceptive practice. While the creditor is XXXX XXXX  he is the debt collector NOT the creditor.

His Name : XXXX XXXX  Company he works for : CU Recovery His phone number : XXXX
Product: Vehicle loan or lease

Truist financed a new vehicle purchase. On XX/XX/XXXX I set up auto pay, online, for the Truist auto loan. I verified if the bank information/auto pay had been saved and my bank information was not stored/set up. I re entered everything again and afterwards the information was still not saved. On XX/XX/XXXX, I decided to make a one time payment online since the auto pay was not processing my information. 
On the first due date of XX/XX/XXXX, my account was drafted for the payment I had already submitted prior on XX/XX/XXXX. I called and they stated my auto pay was set up and that it would not deduct me in XXXX as I had a double payment. I left it alone and didn't request a refund for making two ( 2 ) loan payments in the month of XXXX. 

On the deduction date for month of XXXX which was drafted from my account on XX/XX/XXXX, {$710.00} was applied to interest out of the {$890.00} payment. 
The prior two ( 2 ) payments were applied as follows : XXXX {$890.00} : Monthly Loan Amount, {$600.00} Principal, {$290.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$720.00} Principal, {$170.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$180.00} Principal, {$710.00} Interest ( XXXX payment ) I couldn't understand why so much of the payment posted on XX/XX/XXXX was applied to interest. I contacted Truist on XX/XX/XXXX and the representative stated it had been corrected however the next day, my new lender XXXX XXXX XXXX, paid the pay off which had been provided weeks prior and I didn't receive a check in the mail, from Truist, for the incorrect amount of interest charged to my account on XX/XX/XXXX. Its impossible for Truist to have corrected it when XXXX XXXX XXXX paid the pay off amount reported to them weeks prior, in the amount of {$50000.00} on XX/XX/XXXX posting date.
Product: Credit reporting or other personal consumer reports

There are late payments being reported for months in XXXX and months in XXXX that were doing the time of a pandemic. During those months I was given the pandemic deferment, but my account doesnt reflect that. 
I was never late
Product: Mortgage

During XXXX we lost income Was on XXXX Programm Then apply for modification Morgage company denied modification and our appeals Even we receive XXXX XXXX from state Programm and tell them we like to start paying our Morgage, still not respond
Product: Credit reporting or other personal consumer reports

II 've spoken to lake Michigan credit Union multiple times and told them to remove this inquiry and I have also spoken to XXXX. They have no record of any inquiry in my name that I have authorized in writing or otherwise. It has to be removed. I've contacted the phone number they provided me and they're fraud department and they still have not removed it. The attachment shows clearly the inquiry!
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  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits Capital Ones has cited technical issues which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds I request your assistance in investigating this matter to ensure my right are unhelp
Product: Credit card

Due to my father 's illness in XXXX, l traveled to attend to his medicat and financial needs and upon my return to the XXXX, l was informed of his sudden demise XXXX weeks after my return to the XXXX. 
I attempted to pay all my bills as usual on time. 
America Express called me several times and even during the funeral and l had to step out to explain to them, upon my return, l made the payments. 
Allnof the sudden, l started receiving more demands to make more payments and the straw that broke me completely was a request to pay {$1200.00} within XXXX days after my interest rate was drastically higher. 
All efforts to explain to them fell on deaf ears. 
This is a trying period for me. Having to foot all the medical bills and funeral costs and trying to make my mortgage? 
The treatment was inhumane. 
Pls help, l do not know what to do, and do not have an extra {$1200.00} laying somewhere to pay. 
I just got back to work and making my other bills. 
I do not think it is fair to have the interest jerked up like that and for them to demand such a huge amount seems appalling and victimization of a consumer against a giant such as American Express. The card is supposed to be for emergency and that is what it was used for. A back up in time of trouble. 
Now there are the trouble. 


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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have 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.
Product: Vehicle loan or lease

I asked for an XXXX or XXXX  from the customer representative and manager sent to me for the scheduled payment for 72 months showing principal charges and finance charges done monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Mortgage

I am a HUD Certified Housing Counselor and submitted complete documentation for the Homeowner I am assisting, XXXX XXXX XXXX to be reviewed by his Servicer, LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare as part of XXXX XXXX Foreclosure Avoidance program verifying that the document package was complete for review. LoanCare has exceeded the CFPB guidelines for Loss Mitigation review of 30 days to make a decision. 
As of XX/XX/XXXX, the Homeowner received a Letter stating that LoanCare was " Pending Investor Approval '' LoanCare has continued to call the Homeowner during this time with the collector stating that there are no documents submitted for Loss Mitigation review, or to the Homeowner Assistance Fund program in Oregon where the Homeowner is in the Underwriting Stage, and shows that the state of Oregon has reached out to LoanCare requesting documents. 
This ALSO is a violation of CFPB Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX auto for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXXXXXX XXXX was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Organization is reporting a closed account for XXXX XXXX XXXX with a balance of {$19000.00} and a monthly payment of {$650.00}. That account was closed XX/XX/2019 with a XXXX  balance.
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 violate 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 proce 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 andXX/XX/XXXXfinancial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau to Experian to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate XXXX XXXX XXXX XXXX XXXX XXXXXXXX No late payments on those and again verify the balance. 
XXXX XXXX XXXXXXXX Not my account, Its a corporate account company owned by my XXXX XXXX. 
XXXX XXXX XXXXXXXX Not my Account According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.
Product: Checking or savings account

On XX/XX/year> I deposited a check into my Chase account. The check was for a little more than {$28000.00}. The check was written out of the estate account of my mother. The check was signed by My Sister who is the executor of the account. Upon depositing my check Chase informed me that my funds would be available on XX/XX/year>. On that date, my funds were frozen. I could not get access to a XXXX. The problem is Chase has an outdated verification system to verify the maker of the check. Their system entails typing in a phone number and if that phone number does not come up with the name of the person who owns the phone number then Chase will not disperse the funds into my account. With that being said, I contacted my phone carrier and had My Sisters phone number Attached to her name. Chase Bank instructed me to do that. 
After I changed the phone number into her name, I was instructed that it could take up to 45 days or more before I could get access to my money. I feel that my rights are being violated. There is no sense of urgency on Chase behalf, this is my My entire life on hold. I am being evicted and my car insurance has lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My employment direct deposit was loaded to my American Express Bluebird card on Wednesday XX/XX/21 and my fiancee 's 3rd Econonic Impact payment was set to be deposited on Wednesday XX/XX/21 but they decided to Permanently Suspend pending an investigation of my account on Friday XX/XX/21. Now I have the remainder of my employment direct deposit ( roughly {$100.00} ) and my fiancee 's stimulus payment ( {$1400.00} ) just sitting there frozen. I have called multiple times and they just tell me that they have no response and post a new ticket for an investigation. So I have around {$1500.00} just sitting in this prepaid AmEx Bluebird account that they will not unfreeze or disable and send me my money that they are just holding hostage from me. So I'm reaching out to you guys before finding an attorney and taking legal action against this company. Please let me know what you and or I could possibly do about this situation as my family is serious struggling in this impacted economy. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, XXXX, and Equifax. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid discover credit card off, I have proof of payment and they will not update my account
Product: Checking or savings account

I received two letters in 2022 from Wells Fargo that there was an account opened in my name.