23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use XXXX and put my case number in the note on the XXXX payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my Citibank checking account and was paid recently. 

Called Citibank to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for XXXX  XXXX billing. 

Citbank said they would investigate, but shouldn't XXXX be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. XXXX should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own XXXX are abetting criminals.
Product: Credit card

In XX/XX/2023 I paid my credit card Balance in Full ( {$450.00} ) In XX/XX/2023 my XXXXXXXX XXXX Acct was Hacked. When my checking acct was hacked. Unknown parties gained access to my checking acct and filed claims against payments to merchants that I made from XXXX. During the investigation XXXX recalled the payments to numerous merchants... placed the money back into my checking acct and unauthorized person ( s ) took the refunded money in the amount of {$3900.00}. from my acct. Even after I contact XXXXXXXX XXXX  and attempted to stop my payroll check. XXXX reassured me over and over again they would place my payroll for XX/XX/2023 in a holding acct. That didn't happen. XXXX took my entire payroll check. 

XXXX closed my bank acct once I contacted them in XX/XX/2023 to find out why there were claims against payments. I never filed any such claims. 
I was finally able to obtain my bank statement via US Postal Service. from XXXX Bank. 

I called Capital One and a representative sent me a link to attach my XXXX Bank Acct statements : # 1 Statement- Capital One acct payment made in full XX/XX/2023 therefore I had a {$0.00} balance. 
# XXXX XXXX XXXX reversed by XXXX # XXXX Statement-Reflecting dates amt amounts returned to Capital One.

I was told at that point to allow 7-10 business days for Capital One to resolve the issue. 
I placed another call to Capital One after 7-10 business days and was advised to resend the statements because they were never received. The representative sent me another secure link to attach my proof of payment / statements ... and again I was told to please allow 7-10 business days.

I called after 7-10 business days and the representative said he had to Conference CalXXXX with XXXX XXXX  to verify if I was the sole bank acct holder. The representative made the conference call with XXXX. I verified the information needed by Capital One... Again ..Capital One representative said please allow 7-10 business days.

In the meantime, Capital One is sending me notifications that my Credit Card Acct was delinquent. Because I was afraid Capital One was reporting late payments to the credit bureaus, I made a payment on acct that I don't owe any money on.

Now today I followed up with Capital One and was told they now need the actual debit card # that was attached to my checking acct. I shredded the card after XXXX Closed my checking acct. 
Now I don't know what to do. I've complied with every request from Capital One to get this matter resolved but every time I call/ follow up I'm told there's one more thing that I have to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

On XX/XX/2020, BBVA mistakenly used a third party to remove my vehicle from my home. My security cameras were the only key to finding the perpetrators. To my surprise, a bank, BBVA, whom I never conducted any business with, was the culprit. I immediately acted : proved ownership, involved law enforcement, and reported my car as stolen. This was clearly a mistake by your internal office. Unfortunately, BBVA still refused to release my car for 14 days ( and counting ). Even the local police department called demanding the release of the vehicle. We were told to, just wait the process by several entry level employees. On top of not having my car, I was ignored and promised calls from managers which never happened. It took 14 days of relentless efforts on my part, before BBVA finally acknowledged they made a mistake and agreed to release my vehicle. 
BBVAs negligence, slow process, and poor customer care has inconvenienced my family greatly. All of this is to no fault of my own. Can you imagine coming home after working a 16-hour shift, to your car being towed away by a bank that you never had any loan, contracts, or dealings with? My car was basically stolen outside my home, and BBVA hasnt made any attempt to correct the situation properly. Instead, Ive had to deal with rude and uncaring managers that refused to address the situation in a timely manner. Before I accept my vehicle, I am trusting BBVA will do the right thing, take ownership, and quickly rectify the situation by compensating my family accordingly.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.
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 USC 1681. The letters are stated with items and issues. 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Ref : XXXX XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Have no Knowledge of these accounts being opened. It Is Fraud These Inquires were unauthorized 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 CapitalOne XXXX XXXX  CapOneNA XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX CapOneNA XXXX XXXX Capital One XXXX XXXX
Product: Credit card or prepaid card

Used XXXX  card to purchase an e-gift card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc ). XXXX XXXX XXXX uses the company XXXX ( Blackhawk ), a third party vendor to process/send e-gift cards, apparently for multiple US companies XXXX Despite valid recipient email address, no e-gift card was sent or processed, but XXXX charged.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately.

Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This Abstract issued date XXXX XXXX. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing Gurstel Law Firm. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on Gurstel Law Group, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. 

I supposedly have this against me because I owe XXXX XXXX XXXX  & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN XXXX XXXX XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX & XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

CASE NUMBER : XXXX Department of Revenue I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated. 

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

The above IV-D case number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitution. 
Thank you for you cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602. A States I have the right to privacy. 
Also I have no late payments ever been made but 5 late payments are being reported on TransUnion in the month and year XX/XX/2022, XXXX, XXXX 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: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

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

They are reporting XXXX accounts that does not belong to me. XXXX XXXX XXXX account number XXXX and Credit Collection Services account number XXXX. I have never done business with either of these companies. They do not have permissible purpose or any type of court order to be reporting anything on my credit report. That is against the law. they are also reporting a past due balance on a collection account which is inaccurate. How can a collection have a past do balance? After numerous failed attempts to get them to send me the documents they use to verify these accounts. It's been way past XXXX days. I have no choice but to seek further legal action. I know I have never signed any agreement or contract with either of these companies nor have i done any type of business with them. They are violating numerous laws of my consumer rights by reporting these accounts and something must be done because this is affecting my life and the way I live. This is preventing me from having a place to live and provide for my family.
Product: Credit card or prepaid card

On Tuesday XX/XX/2022 at XXXX a.m. XXXX XXXX XXXX I woke up to XXXX emails telling me that Capital One 's attempt to debit from my Chime checking account was declined due to insufficient funds inside of the Chime checking account. I called the Capital One Quicksilver XXXX Credit Card customer Service to try to find out why they keep trying to debit from my Chime Checking account. The customer service representative denied that they were doing this even though I told him I have XXXX emails as proof. He said on his end that there are no current debits being taken from my XXXX checking account. This attempt of a debit of another {$10.00} action keeps happening even though I haven't initiated any more debits after my last one. 

It's personally easier for me to pay the my total balance off on the Capital One Quicksilver credit card before the due date in small payments as the due date approaches. By them not debiting from my XXXX  checking account the day OF, when I make my request via the mobile app or by calling them to make a payment, they are messing up my right to plan my money accordingly. 

If they offer the option for me to shoes my due date according to what the mobile app says, then I should be able to make my payment when I see fit as long as it's by the due date. Without any penalty or fees for that. 

I currently don't have enough in my XXXX  checking account to pay this {$10.00} reoccurring debit attempt that Capital One keeps trying to take out of my XXXX checking account. If they would have debited it in real time from my XXXX checking account at that moment, then this would not be a mixed up. Something must be done about this like today. 

I asked Capital One Quicksilver XXXX customer service on this call if there was a way that I could call over the phone for the next time I actually do initiate a payment. Since all of my payments initiated thus far have been via the Capital One mobile app. I was told that I could call and pay over the phone but that it would still take up to 5 days to process that payment. 

This hinders my financial life and how I want to pay which is my right. I want to be able to pay a bill and have it taken out and posted to my Capital One Quicksilver XXXX Credit Card balance in real time, every time. The moment I ask them to take out a payment, I want it taken out at that moment and applied with a new refreshed balance. Waiting up to 5 days to process my payment is setting me up for late payment fees. This is wrong and unjust. 

I don't have to make accommodations to how much is in my XXXX checking account because they want to stick another rule on me as far as how I pay my money. It's not even possible to really apply this to a calendar to help me keep up with it because again, I get no set time as far as when that money is going to be debited from my chime checking account. That is literally a game being played with me that I refuse to play. A game that I've already won. I have the right to pay it how I see fit without any of their rules.
Product: Money transfer, virtual currency, or money service

I used PayPal to purchase digital art from a seller in XX/XX/2022, but nearly XXXX months later the seller has still not sent the art despite the several attempts I've made to contact him. He even assured me that I would receive the art very soon at one point, but of course, that never happened. Unfortunately, too much time has passed since I made the purchase to request a refund directly through PayPal. I have already tried submitting a case there and it was outright denied.