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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 XXXXXXXX 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 card or prepaid card

Barclay Card Late refund, poor customer 's service, false promises, missing deadlines, failed compensation Hello, I had a negative balance since XX/XX/2021, Barclay card failed to gave me refund for next 3 months. I had to make 9 calls and to send 4 emails and finally received the refund, resulting in an intermittent financial hardship. On repeated request, last one on XX/XX/XXXX, I was promised consideration for a compensation and told an approval of 'higher management team ' was needed. Upon waiting for the stated period and non-receipt of any compensation, I called on today, XX/XX/XXXX, only to know that there is no record of such compensation consideration. 
Thank you.
Product: Debt collection

On XX/XX/XXXX, I was sent a proof of garnishment order for a bill that was well outside of its legal ability to be collected on. In this letter sent was also confirmation that I was disputing the validity of the debt they are trying to collect on. 

The company who sent it was Butler and Associates , PA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. 

Phone number : ( XXXX ) XXXX All I know is the company name, the year it originated, and the total, but they have yet to prove that I owe this bill or show me a copy of the original bill. All I've received is a copy of their own journal entry, which is not sufficient. Also if this bill originated in XX/XX/XXXXas the information suggests, then they are well outside of the 5 years they had to collect, if I hadn't already paid it. Which I did with the first attorney listed below. 

It's original debt collector was XXXX XXXX XXXX, and it was paid through his office years ago. 

His business address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number is ( XXXX ) XXXX The debt should not have been sold to another collection agency and then garnished ( to be paid for twice! ). 

Worse yet, they took the money out of my son 's savings account for college. Yes my name is on his account, but it's not my money. It's his for college. That was a predatory move at best. 

I know that while collections are in dispute, they can not collect on it for 30 days. As of XX/XX/XXXX, the money was pulled. So over the course of a holiday weekend they did this. I'm still waiting for a proof of receipt from the original collectors office, which is expected in today 's mail, but I have not received it yet. I called Butler 's office but was required to leave a msg. I did so but have not heard back from them yet. 

The total pulled was {$1000.00} They had no right to pull these funds. I require they refund what they owe me. 

Thank you for your time.
Product: Payday loan, title loan, or personal loan

I have a monthly auto draft of {$360.00}. On XX/XX/2019 this amount was taken out of my account twice causing my account to overdraft. I called Avant and was informed that they were only showing one payment pulled. They stated there was nothing they could do. I called my bank and was told that there were two charges pending. I filed a claim with my bank. However Avant is able to claim that they only received one payment and require me to pay the second amount.
Product: Debt collection

On XX/XX/19 I mailed out a letter requesting verification and it has been past that timeframe and nothing was mailed in response to me for this debt that does not belong to me.
Product: Debt collection

This company keeps reporting inaccurate information on my credit report. Ive filed XXXX dispute and they arent correct the inaccuracies! My other reports reflect accurately and I would like this to be removed due to the inaccuracies claiming to be verified and a formal investigation not properly conducted. Please answer how an account goes from closed to open and now no information is available?
Product: Checking or savings account

Previous reports on CFBP of claim I submitted to have my dispute reversed ended up retaliating against me from capital one which is highly a violation under XXXX XXXX XXXX Reform and Consumer Protection Act ( XXXX ) Relevant Section : Title X, Section XXXX ( a ) ( 1 ) This section makes it illegal for financial institutions to engage in any " unfair, deceptive, or abusive acts or practices '' ( UDAAP ). And Relevant Section : 15 U.S. Code 1691 ( a ) ( 3 ) The ECOA prohibits financial institutions from discriminating against consumers for exercising their rights under any federal law. 

This is unacceptable and not right. To where after XX/XX/XXXX of me filing on here they did a internal and decided to close because of the complaint I did and I have the email stating on top I fought hard in my disputes and had companies working with me refunding me and capital one is refusing to acknowledge and being unfair business who should be highly fined for this discrimination and nastiness business attitude towards consumers considering my accounts been good standing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information in my credit report in violation on the Fair credit report Act. The following inquieres are : 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: Checking or savings account

I opened an account and they never sent me a debit card or checks to access my money. My Cousin sent me monies XXXX via Wire for a funeral they told me to XXXX to myself XXXX flagged that because I now had XXXX XXXX accounts, They told me to add an external account they could not XXXX my Cap XXXX Account they told me to add my XXXX in XXXX external acct I did then Xfered the money to her they flagged my account XX/XX/24 after telling me what to do as potential fraud and now have XXXX of mine in limbo since XX/XX/24 I call every day XXXX times since then and they give me nothing but the run around. I followed every direction according to their own Bankers and now I had to replace my cousins monies buy getting a loan on my car RIDICULOUS
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 One has cited technical issues which may violate the Electronic funds transfer ac ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Money transfer, virtual currency, or money service

I tried to send money and they closed my account and declined the transaction. I contact them to ask for explanations, they didn't gave any reason to cancel my account, didn't ask for any form the identification, the only option was me go to an office and take my ID. I explain them i am in a military base, i am in the XXXX XXXX in a year-long XXXX and there was not any intention for verify and resolve the issue. I offer them to check my military orders, my IDs, my passport, they suddenly finish the conversation without allow finish my arguments. That happens today XX/XX/2023, XXXX XXXX was the person who was talking to me.
Product: Mortgage

My FHA Mortgage was originally with XXXX XXXX. I have always paid my Mortgage on time. However during the pandemic shutdown when I was kept from working, I had to put my mortgage on a COVID-19 Forbearance. When that Forbearance ended I signed a XXXXartial Claim Deed Of Trust stating that the balance was to be paid back if I sell my house, in the case I refinance or by the due date of XX/XX/2049. Now Midland Mortgage has purchased my loan from XXXX XXXX  and they have not been honoring the Partial Claim Deed Of Trust I signed back in XX/XX/2021. They have been sending default letters in attempt to collect that debt claiming that if I do not pay in full by XX/XX/XXXX they will escalate to foreclosure. Besides the fact that my partial claim deed of trust clearly states the balance isnt owed until XX/XX/2049, that balance is owed back to XXXX, XXXX, not Midland Mortgage. Ive made several attempts to resolve this with Midland Mortgage. Ive sent Notices of Errors, I have sent request for accurate Information & I have made several phone calls. Every time I speak with Midland Mortgage they claim they are waiting on all the documentation needed from my previous lender XXXX XXXX  in order to update my account. However when I contact XXXX XXXX  they claim they have transferred all of my documents required to Midland Mortgage.
Product: Debt collection

I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

Ref : Citibank MC Account # XXXX XXXX I need to dispute 23 Florida charges because they are not authorized nor initiated by me. I also was not in Florida and did not sign for them. They are fraud. I logged into Citi website and found unauthorized charges on XX/XX/XXXX, and then saw that my card was missing. I then closed the card and report these charges as fraud online on XX/XX/XXXX. 


XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$3.00} XXXX STORE {$3.00} XXXX XXXX XXXX {$53.00} XXXX # XXXX {$14.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX {$14.00} XXXX XXXX   XXXX {$11.00} XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$69.00} XXXX # XXXX XXXX   XXXX {$45.00} XXXX XXXX {$9.00} XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX {$6.00} XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$6.00} XXXX # XXXX XXXX XXXX {$31.00} Please investigate and credit my account for these 23 unauthorized charges ( dated XX/XX/XXXX to XX/XX/XXXX ). You need to reverse the charges while you investigate. I did not receive goods or services. If you require a fraud affidavit, then you need to mail it to me. I consider this letter an affidavit of fraud. It has been over 30 days since reporting it. I have faxed and emailed letters. I have chatted online. I am now filing a complaint. I have never experienced such a difficult process from a credit card, and will not be using your card in the future. 

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

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. XXXX and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality.

Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. 

Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information.

Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Mortgage

XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a credit report from NOBODY BUT EXPERIAN SAID I ALREADY GOT ONE
Product: Credit reporting or other personal consumer reports

I am writing to formally address and dispute several inaccuracies and unauthorized entries on my credit report, which stem from a data breach and fraudulent activity. These violations contravene my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ) and 604 ( 15 U.S.C. 1681b ).

What Happened : Inaccurate Personal Information : My credit report contains multiple errors in personal information, including : Current Address : XXXX XXXX XXXX, XXXX, NC XXXX ( incorrect ). 
Previous Addresses : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, NC XXXX ( incorrect ). 
Name : XXXX XXXX ( incorrect ). 
Date of Birth : XXXX ( incorrect ). 
Employer : XXXX XXXX XXXX ( incorrect ). 
XXXX Accounts : The following accounts are inaccurately reported on my credit file and lack proper validation : Child Support ( Account # XXXX ). 
Unverified Collections : My credit report includes the following collections, which I do not recognize : XXXX XXXX XXXX XXXX Account # XXXX ). 
XXXX XXXX ( Account ending in XXXX ). 
XXXXXXXX XXXX  XXXX ( Account # XXXX ). 
Unauthorized Inquiries : There are hard inquiries on my credit report that I never authorized, including : XXXX  XXXX ( XXXX ). 
XXXXXXXX XXXX XXXXXXXX ( XXXX and XXXX ). 
These entries on my credit report lack proper validation and original documentation demonstrating that I provided consent. This constitutes a clear violation of FCRA Section 604, which mandates that credit inquiries and account entries are only permissible with my explicit authorization. Additionally, under FCRA Section 605B, credit reporting agencies are required to block or delete information resulting from identity theft or fraud promptly upon receiving a valid dispute. 

I have never authorized these inquiries, accounts, or collections. Their inclusion on my credit report has compromised the accuracy and integrity of my file, potentially affecting my financial stability.

My Request : I am demanding : Verification of Proof : Documentation bearing my original signature or electronic authorization for each disputed account, collection, or inquiry.

Immediate Deletion : Removal of any entries
that can not be validated according to FCRA standards.

Correction of Personal Information : Updating my file to reflect accurate personal details.

This situation has caused unnecessary stress and inconvenience. I expect compliance with federal regulations and a prompt resolution to restore the accuracy of my credit report.
Product: Debt collection

There was a balance left on my Macy 's Credit card account in XX/XX/XXXX. I never received a bill. I received one email notification in XX/XX/XXXX in which the account was already charged off and in collections. I disputed this information multiple times with Macy 's directly but they did not help or send information. I finally disputed this information with the CFPB in XX/XX/XXXX, and finally received a letter from XXXX XXXX in the executive office. She sent me copies of all of my statements. This was my first time seeing all of them in XX/XX/XXXX. 

This debt stemmed from a {$13.00} purchase of a satin hanger in XXXX XXXX on XX/XX/XXXX. I do not live in that city. I did not purchase a {$13.00} satin hanger, that is an unnecessary purchase. I did not use this card at all in the year of XXXX in which the statement shows. I want to say I hadn't used this account in almost two years. This entire debt that is being reported stemmed from this {$13.00} of a satin hanger that I did not make. The remaining {$240.00} are just strictly fees and interest charged by Macy 's. There were no other charges on the account that entire year. I had disputed this balance before directly with Macy 's and was told that this was a balance left on the account, not that there was a satin hanger charge. 

I mailed XXXX XXXX from the executive office a reply that this was not my purchase by certified mail XX/XX/XXXX and did not receive a response. I called Macy's/Citibank Recovery Solutions to present this information that this was not my charge and I did not purchase a satin hanger. I spoke with an employee ID number : XXXX on XX/XX/XXXX. She told me this debt was past the statute of limitations and they refused to research the account or even look into my claim of fraud because they would not be collecting on the debt. She also declined to transfer me to her supervisor due to their 2-minute hold limit and ended the conversation. 

This debt is not mine. The company refuses to research the account to see where this purchase stemmed from. I never purchased a satin hanger in which is the basis of this entire debt. They keep telling me they are not collecting on the account, but are still reporting it on my credit report. 

This account needs to be deleted from all three of my credit reports. This is not my purchase.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a bill from Wakefield & Associates in XXXX 2016. I immediately wrote back that I disputed the amount, explained that I had also disputed the amount with the original creditor, enclosed a check ( which they cashed ) for the amount that I did not dispute, told them not to contact me by phone, and provided my current address for future communications. I heard no more from them until yesterday, when I got home from work and found a message on my answering machine ( which is a shared phone with my adult son and my boyfriend ) stating that the call was from Wakefield & Associates and that they were debt collectors. I called the number they left ( from my cell phone ), verified the number that they had called, and the man said, " Is this [ your name ]? '' I replied that it was and asked why they called. He stated that they needed further information to verify that they " had the right account, '' at which point I told him that they had all of the info that they needed, that he had verified that they have the " right account '' by asking if my name is [ my name ] when I gave him the number that they had called, and told him to mail me any communications. I also informed him that they had violated the FDCPA, and he said " No, we did n't. '' Well, yes they did, as I had informed them in writing that they were not to call me regarding this disputed debt. Not only did they call after I asked them not to, but they left a message on a shared answering machine. In addition, at no time after I paid the amount that I did owe, did they send me an updated bill or amount due. I received absolutely no communication from them since I wrote to them in XXXX and they cashed my check in XXXX. This is a clear violation of my rights under the FDCPA and I intend to pursue my legal options.