23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/2021 approx XXXX i called Capital one, because i notice Capital one was Manipulating Credit Card Payments and rearranging the transaction orders and purchase after i made on-time payments with my capital one credit card, i believe this was done intentionally to accrue over draft fees and other fees and to cause me to go over the {$200.00} credit limit. there were several instances in which i tried to make a payments and would receive pop up message that would say : " You can not schedule a payment for this account. 

Looks like you don't owe anything right now or you have pending payments that will cover everything you owe. 

Just so you know, you have to wait for pending purchases to post before you can pay them off. " I spoke with a male customer service rep for capital one and was told that i must have entered one wrong banking number of XXXX and that's why my payment didn't go through. I told him how could i entered the wrong banking number and you told me what bank i had. without me even mentioning what bank i had .... 

I expressed my concern because now it has my account in high credit and all my transactions i ; ve made with the capital one CC were declined and will cause major issues. 

the male employee from capital one requested that i give him my bank account number and routing number so he can enter it in the system himself for the amount of {$200.00} and told me if my payment method is declined again that capital one will shut down my account. 

Capital one system either has a glitch or this is a common practice used by Capital one to Manipulate Credit Card Payments with someone who is looking to reestablish and build credit and telling the card holder they've must have entered the wrong banking number to justify their fraudulent response. 

currently there are 8 returned payments in the amount of {$180.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and XXXX evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit card

To whom it may concern, As far as I am concerned, I do not owe any money to American Express. I paid the balance in full and asked the customer care representative to cancel the credit card. However, it looks like the representative did not cancel the account properly. When I started getting the statement from American Express I called numerous times, but they are picking up the phone call from different foreign countries. Because of their poor communication skills, they have not cancelled my account properly. Now American Express claims that I owe {$260.00} of which {$250.00} is a late fee. I do not owe this because they did not cancel my account properly. Please take necessary action and cancel my account. In the mean time we are informing this to different government agencies including CFPB, BBB, Attorney General 's Office, FTC, etc. and to the public through social media. 
Please cancel the American Express credit card account properly and waive all the charges properly and immediately. 

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

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


XXXX XXXX XXXX XXXX  account XXXX
Product: Debt collection

XXXX of XXXX XXXX XXXX XXXX threaten to damage my credit by falsely accusing that i still owe rent on the unit she ordered me to vacate due to a rat infestation that she accused me of causing. This bogus collections is a result of retaliation from her after I repeatedly asked her to hire an exterminator to eradicate the problem, she instead send maintenance man to set traps, we caught 12 rats and they keep coming. I had had enough and called the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inspect the unit and they determined I did not cause this issue. After she received a call from them, she then told me to vacate the property in 7 days, when I only had 1 month left of my lease, I had no where to go but I left only to notice that she then empowered Direc Management Inc to report that I owe {$1500.00} on my credit report since. I do not owe this debt, this is a bogus collections, I have put this statement on my credit reports. I have reached out to them without any resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt claimed by Credit Collection Services and to file a complaint against their ongoing practices that violate my consumer rights as per federal regulations. Despite my repeated requests, Credit Collection Services has failed to provide any validation of the alleged debt, in direct violation of 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, they have unjustifiably placed this alleged debt on my consumer credit report without allowing me the opportunity to dispute it, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The actions of Credit Collection Services have not only been misleading and deceptive but also constitute a severe misrepresentation of my financial obligations. These actions are evidently in violation of established guidelines under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), which mandate the provision of adequate disclosures prior to reporting information to consumer reporting agencies. 
To resolve this issue, I urgently request the following : 1. A complete and detailed validation of the alleged debt, including the original creditor 's name, the amount of the debt, and the date it was incurred. 2. A copy of the purchase agreement between Credit Collection Services and XXXX XXXX XXXX and XXXX XXXX XXXX that authorizes Credit Collection Services to collect on the alleged debt. XXXX. Proof of Credit Collection Services licensing and bonding that permits them to collect debts in my state. Additionally, I am revoking any consent previously given, implicitly or explicitly, for Credit Collection Services to contact me via telephone, email, or text messages for debt collection purposes. I expect a prompt response to this complaint and resolution to the issues detailed above. Failure to comply with these requests will compel me to take further action, including seeking legal recourse. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumer rights and will take appropriate action against Credit Collection Services for their violations.
Product: Mortgage

Freedom Mortgage XXXX https : XXXX XXXX started charging me fees within 60 days of loan transfer. Their customer service told me that their records show that loan got transferred on XXXX. They did not send welcome letter and did not set-up my account until end of XXXX. Late charge was charged without any notification and did not meet federal rule of 60 days. This is clear violation of consumer protection rules and these agencies trying to steal from ordinary consumers should be investigated. 

Principal {$780.00} Interest {$1300.00} Escrow {$250.00} Late Charge {$100.00} Fees {$0.00} Total Amount {$2500.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have all violated 15-USC - 1682. They do not and have never had my written consent to place these items on my report. In fact the only true credit reporting agency is the cfpb.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent two letters, referred to hereafter as " Amex Opt Out '' and " Request 1099-C '', to AMEX Customer Service . I received confirmation that letters were received. To date, I have not received what I asked for and AMEX is still reporting information post opt-out and I have not received any requested documents from AMEX.
Product: Mortgage

I am a XXXX XXXX homeowner, I was working with Shellpoint Mortgage servicing my point of contact on a repayment plan. In late XX/XX/XXXX, I submitted an Application to XXXX XXXX XXXX XXXX  early XX/XX/XXXX. Shellpoints mother company filed a foreclosure complaint on XXXX. They put an abandoned/vacant notice on my neighbors home that had my address on it. They sent foreclosure documents to my exhusbands home with my name on them. My ex husband has never been on my loan or title, they sent paperwork to my mothers home in which shes been deceased for over 5 years and I havent live there in over XXXX. They never sent foreclosure paperwork to the home in question my home XXXX XXXX XXXX XXXX Ohio. 
On XXXX XXXX I was approved by the Ohio homeowners finance agency for the Rescue funds through the homeowners funding agency. New Rez LLC attorneys have accelerated the fees and have not halted the foreclosure proceedings and keep saying the forward the amount I have in default of {$10000.00} to the Ohio home Finance Agency who has confirmed to me they have not received any Response at all from Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Debt collection

I've contacted the company and expressed the fact that I've never had an account with them nor have I ever attempted to do so
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX bal. XXXX. XXXX XXXX bal. {$940.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that were submitted to the Credit Bureaus are from XX/XX/XXXX for ( {$330.00} & {$330.00} ) and were submitted by Atlas Collections of XXXX, IN. The 3 bills submitted are medical bills and were included in my Chapter XXXX Bankruptcy that was Discharged on XX/XX/XXXX. One of the aforementioned bills was taken off of my credit report, but 2 of the medical bills remain on my report. I contacted my attorney 's office several times last year about the bills being on my report. The paralegal contacted the collection agency about the bills still being on my report. Since they are still on my report I went online to dispute the bills as they were already included in my Chapter XXXX. The disputes I filed have been challenged and are still there. They should have never been placed on my report in the first place and I want them removed. Why are companies allowed to place collections on the Credit Bureaus that they or the creditor they represent know that the bills are in included in a XXXX?
Product: Credit reporting or other personal consumer reports

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that '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. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), '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. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies 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. ' The furnisher of information never informed me of my right to exercise my nondisclosure option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Product: Credit reporting

Equifax is still listing XXXX derogatory remark that I have XXXX outstanding account in collections. The collection agency removed the collection from XXXX, but it is still listed as being in collections with Equifax. How do i get this collection removed from Equifax?
Product: Credit reporting or other personal consumer reports

The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate a medical collect on my credit report to XXXX, experian. i have received no response of the status or up date
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Management Corporation Account# XXXX  

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND THE BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several fraudulent accounts and inquiries have been unlawfully added to my credit report, as documented in my FTC Identity Theft Report ( Report No. XXXX ). The fraudulent accounts include two with XXXX ( Account Numbers : XXXX, XXXX ), two with XXXX ( Account Numbers : XXXX, XXXX ), and one with XXXX XXXX XXXX ( Account XXXX XXXX XXXX ). These unauthorized activities, some dating back to 2019, have resulted in fraudulent loans, collections, and inaccurate reporting, causing significant harm to my credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and blocked within four ( 4 ) business days of receiving this complaint. I further demand that all related collection efforts cease immediately and these accounts be permanently removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX via XXXX and I was emailed back on XX/XX/XXXX by XXXX XXXX ( XXXX ) stating that they were interested in me as a candidate, then asked me to fill out some questions. After doing that, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX said that they would be giving me equipment to set up my workspace. This would be done through checks, which she sent me through email. At this point we were texting by phone ( XXXX ), and I was not given the exact amount I would be receiving, but I got an email image file of the check the next day. The check was for {$4600.00}, and signed by XXXX XXXX. I cashed this check, received the money in my bank account, and was directed to send the money to a vendor via XXXX and XXXX ( XXXX XXXX XXXX on XXXX, @ XXXX on XXXX ). I sent XXXX, divided into two payments ( one {$1900.00} and one {$1600.00} ) via XXXX, and the rest ( {$1100.00} ) via XXXX. I was then directed to cash another check, this one for {$4800.00}, but before the check could be processed, my first check was put on hold. At this point, I started to believe that this position was a scam. I interrogated who I believed to be XXXX and also XXXX XXXX, who was the recipient of another email I was given, XXXX. After questioning them on why the check bounced back, I was met with silence. They were previously very responsive when I was attempting to send payments, which was extremely suspicious, so I began the process of filing a scam report at my bank, Bank of America, XXXX, and XXXX. Upon closer inspection of the emails used by these individuals, I noticed that it did not say " XXXX  '' but instead " XXXX, '' after which I called the number provided at XXXX which is the legitimate website for the company. The customer service representative at XXXX informed me that this email was fraudulent and did not represent anyone from the actual company. 

Since I reported them to my bank, Bank of America on XX/XX/XXXX, they said they are still processing this claim. Because this check was processed by the bank, and it stated I had the funds to complete this transaction, while the check turned out to be fraudulent and a scam, I deserve to have all of my money reinstated and any overdraft fees for my account revoked.