23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; 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 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX that I paid off early in advance. I have never had a late payment with this company but for whatever reason XXXX late payments are reflecting on my credit and I have disputed this multiple times asking the Credit bureaus to verify proof of these so-called late payments only after trying to obtain proof from the creditor themselves, and they felt to provide me that proof. This is hindering my credit, and I would like to have it resolved as soon as possible. They have denied my disputes over and over for the past I dont know how many years.
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 violates 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 process 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 and financial loss, and I seek appropriate redress for those violations
Product: Debt collection

I am seeing a negative that doesn't belong to me. I live in XXXX but I'm getting a collection account from Nebraska, this is irresponsible on part of the credit bureau. 

Collection account {$290.00} I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received two letters, dated XXXX & XXXX XX/XX/2023, seeking to verify recent activity on my account with First National Bank of Omaha ( XXXX ). 

Subsequently I received an ATM debit card and checks from XXXX. 

I do not have an account with XXXX, nor have I ever opened an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These reports are inaccurate and and my right to my privacy has been violated. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXXXXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. The account is listed below : XXXX  XXXX XXXX Balance : {$2800.00}
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Product: Checking or savings account

On Monday, XX/XX/XXXX my wife took time off to take my XXXX year old mother to the XXXX, NC branch location of Wells Fargo. She is a joint owner with my father on all accounts including a safe deposit box. My father died earlier this month and my mother 's estate attorney needs a copy of the Will which we believe is located in their safe box. Upon requesting entry into the box my wife and mother were denied and the branch employee said that they would have to inventory her box under dual control of two employees including a 3rd employee to notarize the audit. They further said they may have to drill the box, yet my mother has both keys to access the lockbox. My mom and wife tried explaining that my mother was joint, which is verifiable via the signature card and she has valid ID, yet they said she would have to come back in 1 week plus when there was adequate staff to inventory the box. This has created undue XXXX on my elder! y mother who is already grieving her husband 's passing. There was no compassion from the Wells Fargo banker and she seemed snippy when requesting an explanation. it seems a violation of privacy to go through my parents personal possessions when she is a rightful owner of the account. Please help. Very frusterated.
Product: Credit card

I filed a dispute for a purchase I made on my card. I tried to return the defective item with my credit card. I was advised that the item was not on the card. Since I did this in person, the only proof available of this would be store video. I disputed a PARTIAL amount of the total-NOT the complete amount. But once again, the XXXX at Capital One processed the dispute as the full amount of the transaction. Capital One sent me the usual denial and requested some XXXX that would NOT apply to my DENIED return. A store does NOT provide a written document of a denied return. Going forward, I will need to RECORD all returns since Capital One can't process a dispute correctly. I understand from previous experience with the CFPB and Capital One, the consumer is NEVER " victorious '' in the dispute intervention with the CFPB. You do not investigate anything and take the merchants ' statement as truth. But here, it is clear that Capital One did NOT process the return as I disputed. I disputed a PARTIAL amount, NOT the FULL. The requested information from Capital One would NOT apply to a return that was denied. I provided my statement which was the ONLY option I could and that was available for this dispute. I was told via RECORDED conversation that all I needed was to write this statement. 

There is NO way for me to contact Capital One except via phone. Their accounts do not have a portal where customers can contact them and have documentation of the issue. That is a scam. It is their word against a consumer. That is a XXXX  action
Product: Credit reporting or other personal consumer reports

Dates XX/XX/XXXXXXXX  - XX/XX/XXXX. Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX, are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX, do not have my consent to furnish this information and they surely do not have my written consent i am now opting out of any and all authorization I the consumer may have given XXXX, Equifax, XXXX, written, unwritten, verbal and non verbal rescinding it effective immediately and indefinitely per 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX, are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately and indefinitely.
Product: Checking or savings account

In XXXX I opened an account with Citi Bank. I deposited a check in the amount of {$10000.00} into my account. I waited the required 10 days for my check to clear which it did. I was using my card to make gas purchases, pay bills and the such. I made a purchase from XXXX in XXXX of XXXX I believe in which Citi Bank called my phone and asked me was I making a purchase in which I stated to them yes and verified my information. A few days later Citi Bank contacted me and told me that they were closing my account and I ask why In which I was told they had to review my account. I stated to them that if they were closing my account please refund my funds which at that time was {$7600.00}. I was told I would be contacted in XXXX business days. I recieved a letter a month later stated that my accounts were restored but they still had a hold on my funds and the it was closed again in XXXX of XXXX. As of XXXX until now, XXXX of XXXX they have had my funds and send letters occassionally were funds were taken out for different fees but I still didn't have access to my money. I was sent a letter, XXXX of XXXX about my closed account and that now my balance is {$3100.00}. I immediately called Citi Bank at theses numbers XXXX & XXXX and was given no help and the runaround after spending over 3 1/2 hours on the phone with them. They didn't even want to look for my account and kept saying they couldn't find it and send me to another department in which another CSR Rep finds everything in my accounts but my money and then tells me I'm in the wrong department and sent me elsewhere.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX po box XXXX XXXX XXXX, CA XXXX Public Record XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$920.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX # XXXX, MI XXXX Public Record : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX : XXXX XX/XX/XXXX Collection : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$920.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX Owed : {$3100.00}
Product: Mortgage

OCwen loan Service. On XXXX/XXXX/XXXX OCwen Loan FL. was given Income statement and Forms over telephone for Modify Loan. On XXXX XXXX another Package was fax and Mail to XXXX location, XXXX. {$42.00}. As of XXXX XXXX Still no confirmation of Modify Loan. Ocwen Request fund wire A non-modify to XXXX. XXXX was paid. But My bank said the information is incorrect. to please get the right Address information before transfer again. 
I have tried to talk to my rep. Two week before you can get answers. try to contact. 
Now Ocwen is sending out Past due notice saying payment from XXXX to XXXX I keep informing them about the Modify. No Answer Ocwen. Ask them would they pay my property Tax.. they said once it Modify.. just last week they said they still working on Modify loan. it do not take 6 months to Modify A loan.. Since XXXX Ocwen took over this loan from GMAC and XXXX XXXX XXXX original loan was only for 2 months Before transfer to Homecoming finance, GMAC, Ocwen. Complaint on this Mortg. has been goin on since XXXX. Need to research this loan detail. I will pay once I get A confirmation Letter from Ocwen when this Modify is completed. as of XX/XX/XXXX.not completed by Ocwen. 
Many case has been file Case number : XXXX.
Product: Consumer Loan

I have my auto loan with Wells Fargo Dealer Services. They lost one of my payments. I was notified in XXXX that I missed a payment in XXXX 2014. I went to my bank and got proof of the payment. When I proved that payment I was told it was XXXX 2014 payment. I got proof of that payment from my bank and sent it in to them. I was asked for proof of payments for that entire year and I complied. Wells Fargo still has n't corrected this error. They have been lying stating that The Attorney general 's office has n't contacted them but I have a copy of every letter sent by XXXX at the Attorney general 's office. He also stated that Wells Fargo contacted them on XXXX XXXX asking for another extension. The Attorney general 's office has been involved in this since XXXX and Wells Fargo refuses to respond to their requests therefore I was directed here by them. When Wells Fargo called me last week they stated that XXXX in their office of the President was no longer with them and there were no notes on my file. They have charged over {$200.00} in late fees to my account and reported negatively to the credit bureau for their own mistake. It is evident that this has happened a lot with them because in XXXX 2014 they posted someone else 's payment to my account per XXXX therfore it looked like I made an extra payment that month. If you look at my account history on their site they tend to reverse a lot of payments because payments are posted wrong, even when you pay electronically on their website. I have attached a copy of my payment history screen off of their website. The Attorney general 's office has submitted all other correspondence from my bank as well as the payment history screen from their site, to them in XXXX and XXXX.
Product: Debt collection

Letter For Collections Date : XX/XX/XXXX To Whom It May Concern : Attention Credit Reporting Agencies, Experian, XXXX, XXXXXXXX XXXX  XXXX, XXXX I have no knowledge of this debt and the debt was allegedly purchased by XXXX XXXX XXXX XXXX. This account must be deleted as the status of this account is entirely incorrect, the amount stated on my credit report is also not correct ( {$7900.00} ). This account has been purchased by XXXX XXXX XXXX XXXX for a lower amount. The information being reported is not CORRECT, NOT ACCURATE, NOT COMPLETE AND NOT FAIR which VIOLATES the FCRA policy. I demand that this account be removed from my credit report IMMEDIATELY!! XXXX XXXX XXXX XXXX has also failed to validate this debt in the timely manner given. There are numerous errors being reported with this account which is not accurate or complete per FCRA guidelines. They have also failed to provide a contract signed by myself agreeing to the terms of this debt. I DO NOT HAVE A LEGALLY SIGNED CONTRACT WITH XXXX XXXX XXXX XXXX. This debt is being reported illegally and must be DELETED IMMEDIATELY. In your response you stated that this debt came to your office on XXXX of XXXX. Which means you have purchased this debt for much lower than {$7900.00}. Which also means that this amount on my credit report should reflect as such since that previous debt of {$7900.00} is no longer accurate. The debt has been written off. Which also means it is being reported illegally. FCRA states that ALL INFORMATION being reported will be ACCURATE, COMPLETE AND FAIR. Which means that this total is incorrect and this account must be REMOVED IMMEDIATELY. Thank You
Product: Mortgage

I am a small business owner. AIMLOAN requested the source for XXXX deposits made into my personal account. I provided them the source along with a letter from the financial institution verifying the source, which was a corporate checking account. They said a letter from the financial institution was not sufficient that they wanted the corporate bank records. They were advised that was not going to happen. They are not requiring that I find another bank account with enough funds in it to make the down payment on the mortgage. The only account I have is a XXXX, so they are now requiring I take a loan against the XXXX to make the down payment. This and other actions feels like retaliation for a previous complaint against the same company.