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

I sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Checking or savings account

On or about XX/XX/XXXX   I, XXXX XXXX had a problem with my car that I informed my bank WELLS FARGO how the merchant did not properly repair my car. 
I, XXXX XXXX SENT WELLS FARGO INFORMATION ON HOW THE MERCHANT XXXX XXXX  DID NOT FIX MY CAR PROPERLY. AND ABOUT VISA POLICY HOW IF A MERCHANT DOES NOT REPAIR THE PROBLEM PROPERLY THAT THE BANK WILL REFUND A PERSON MONEY. WELLS FARGO, STATED THEY WERE RETURNING THE FUNDS THEN TURNED AROUND AND TOOK THE MONEY BACK. 
WELLS FARGO, IS NOT FOLLOWING VISA POLICY CORRECTLY IN ABIDING BY THE POLICIES. WELLS FARGO HAS BEEN DECEITFUL IN THIS MATTER AND XXXX XXXX IS DEMANDING THAT THEY GIVE HER BACK THE MONEY THEY SUPPOSE TO HER ACCOUNT. I AM WAITING TO HEAR FROM WELLS FARGO BEFORE A SMALL CLAIMS COURT LAWSUIT IS FILED IN THE COURTS. WELLS FARGO HAS A BAD HISTORY OF NOT DEALING TRUSTWORTHY OF CUSTOMERS.THIS IS NOT RIGHT. I AM ASKING FOR CFPB TO LOOK INTO THIS MATTER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The account is a direct breach of the FCRA PLEASE DELETE so we can avoid civil liability.
Product: Credit card or prepaid card

Complaint Capital One Credit Card What is this complaint about? Charged off account XXXX for missed payment, I told them that I could not make payment on time because of Hurricane Irma, I live in Florida. 
What type of problem are you having? I paid my bill for XXXX XXXX, I was told by Capital one that XXXX account could not go 180 days past due without payment, so I made a payment on XXXX XXXX. I received an email stating making a payment of {$88.00} to keep your account from charged off, so I paid {$90.00}. Copy attached to this complaint. 
What Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. 
What company is this complaint about? Capital One Credit Card Who are the people involved? Capital One Credit Card Thank You
Product: Debt collection

Over the course of the past decade, I have sent Portfolio Recovery Associates multiple certified letters regarding harassment for non-existent accounts. I continue to be harassed at my home from the following debt collectors : 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, and XXXX XXXX XXXX XXXX. I currently do not have any accounts in default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

Loan was paid off in XX/XX/XXXX. Fees are being charged to my bank account that have no basis after payoff. This is the second time, once in XX/XX/XXXXand once in XX/XX/XXXX. The bank says they dont know why and in fact see no record of it.
Product: Credit card or prepaid card

I received a Frontier Airlines Mastercard in the mail and a separate letter from Barclays saying that their attempts to reach me by email were unsuccessful.

I did not apply for a credit card from this company.

When I called to try to cancel the account, I did not want to give them the last four digits of my Social Security number because I was afraid of fraud ( given that I did not apply for this card ). They refused to help me.
Product: Money transfer, virtual currency, or money service

I used XXXX XXXX to attempt to sell a sports product for {$350.00}. A potential buyer with the XXXX  account of XXXX XXXX reached out to me on XXXX XXXX and offered to purchase the product. He indicated his cousin would pick it up in the XXXX  but that he would pay me immediately via zelle. I said ok and provided my email that's connected to my zelle account. 

I received an email from what looked to be from zelle that someone tried to send me {$350.00} but that I was unable to receive it because I did not have a business account. The email suggested I pay an additional {$300.00} to upgrade or have the sender guarantee it with {$300.00} to cover the upgrade. He proposed putting up the {$300.00} so long as I sent him via zelle the {$300.00} right back after. I received another email that this person had upgraded my account to business. I paid him {$300.00} via zelle to the following address : XXXX XXXX XXXX as provided by him. Then I looked for my $ $ $ but instead got another email from what looked like zelle that I needed to pay an additional {$200.00} to certify or insure the money. 

The scammer claimed zelle was trying to protect both buyer and seller and to do it right away. He then gave me what he called a zelle agent and provided a new address and name for where to send the additional {$200.00}, ( XXXX XXXX XXXX XXXX. He got very aggressive with me via XXXX  and claimed that I now had {$650.00} of his money on hold because I refused to pay for the certification. 

I called my bank and learned that Zelle doesn't require a business account, that it's a scam, but that they don't cover losses for zelle scams. They indicated the person already has the {$300.00} and they can't get it back. 

Obviously, no cousin ever showed up to pick up the product and the {$650.00} never came to me. The scammer then went silent on XXXX  but the messages and his profile or purported profile remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2017 I called FCO to settle a debt in the amount of {$2500.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid a settlement amount of {$1200.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I'm always on time with my bills, that's a certainty. I'm not sure why this company says that in the last few months, I haven't been paying my bills. In accordance with USC 1666b, any mistake in the payment of a bill should be corrected and recorded as paid on schedule.
Product: Mortgage

Dear officers, I am sending this letter to inform you with that my previous lender HSBC did not complete their true investigation regarding unjustified extra charges they made into my account. HSBC charged me the extra amount of {$3400.00} on XX/XX/XXXX ( attach-1, HSBC bank payoffs items, recoverable balances ). 

HSBC stated that this amount was outstanding foreclosure fees incurred in XXXX. I communicated with HSBC several times and explained that this charge had already been capitalized and added to my new modified loan amount as indicated on XXXX loan modification ( attach 2 ). 

Per agreed executed Loan Modifications Agreement date XX/XX/XXXX between HSBC and myself, it is implied all late interests, and other amounts ( late charges, unpaid balances, interest penalties, foreclosure fees ) up to the agreement date were capitalized ( summed ) and new loan terms started based on the total sum of {$620000.00}. 

This above said amount ( {$3700.00} ), had not been disclosed in the Loan Modification Agreement as additional charges. Based on consumer protection act lenders must disclose all charges including late fees, extra payments, penalties and etc. directly and explicitly to consumers in advance. 
At this time, I kindly request both CFPB and HSBC look into this problem. I demand HSBC to disclose and prove that the said amount {$3700.00} was mentioned ( written ) within the agreed Loan Modification Agreement. 

I am unfairly double charged. My money should be refunded immediately. 

Thank you very much for your kind and prompt attention.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago i had signed up for credit monitoring via Experian, and they were charging my XXXXXXXX XXXX ~ $ XXXX. I started trying to cancel the service about 6 mos. ago. After several attempts leaving messages on their phone system, i tried Experian.com and canceled my membership, receiving an EMail on XXXX that my account was cancelled. However, I continued to receive monthly charges on my credit card for XXXX and XXXX. When i called their automated phone system and entered my information I was informed that i did not have an account. I contacted their online Chat Assistant, who indicated that there was not a record of my having been billed for or enrolled in paid credit monitoring services at any time. She provided an EMail address for customer billing ; I emailed them on XX/XX/XXXX explaining the situation, provided all documentation and requesting that they stop the charges, but received no response. After receiving another charge, I Emailed them again XX/XX/XXXX. They responded that they wanted to call me and asked for a time window. They called on XXXX, but i was not able to answer ; they left a voicemail with no callback #, asking me to give them another time window. I emailed and gave them several time windows but also told them to just stop charging me. This cycle repeated again where they called once, left no callback #, then did not call again. Meanwhile they have continued to charge my credit card each month. I filed a dispute w/XXXX in XXXX ; they told me that as of XX/XX/XXXX Experian has not responded to any of their requests for information about the charges
Product: Credit card or prepaid card

Capital One Bank On XX/XX/XXXX they asked for disputes outstanding to be stated again On XX/XX/XXXX I sent letter with contents requested CC # xxx XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX interest XXXX XXXX interest XXXX Total {$380.00} Capital One is a bank and required to give chargebacks FOR SERVICE NOT RENDERED It has been 5+ months since the flights were cancelled and I wrote several letters It is XX/XX/2021 and I have not received chargebacks nor Capital One feedback
Product: Mortgage

I have been with my mortgage company since XX/XX/2017 without ever having any late payments and I unexpectedly lost my younger brother ( due to XXXX too many XXXX ) and for that month I mistakenly made my payment from the wrong account, I immediately saw the mistake but it was already submitted, I called in and explained the mishap and the CSR stated to me that I had never had a late payment on my account but once transferred over to the department that handles that issue they were not willing to help me out and pretty much reprimanded me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Consumer Loan

As stated by the FDCPA ( A debt collector may not contact you at inconvenient times or places, such as before XXXX in the morning or after XXXX at night, unless you agree to it. And collectors may not contact you at work if they 're told ( orally or in writing ) that you 're not allowed to get calls there. ) This morning, XXXX/XXXX/2015, I received XXXX phone calls prior to XXXX from Gateway One Lending XXXX XXXX at XXXX, XXXX, XXXX and XXXX, evidenced by phone records and screen shots of my call log taken on my cell phone. I also received an email from XXXX XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries are on my credit reports and I didn't give permission for my credit to be ran : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was told that Fedloan Help would consolidate my student loans and that I 'd begin paying the loans through them. The way I understood it, they were now my loan holder and I 'd send them, through auto pay, {$82.00} per month based on limited income ; Income based repayment. Frst payment XX/XX/XXXX. Each month a withdraw occured on or near the XXXX of each month starting XX/XX/XXXX, every month for 13 months Fedloan Help withdrew {$82.00} until XX/XX/XXXX = {$1000.00}. I had no reason to question if my loans were being paid until XX/XX/XXXX when I received a note from XXXX XXXX telling me I 'd missed two payments. I called and said they 'd withdrawn {$82.00} that month. XXXX XXXX informed me that Fedloan Help was not the same outfit. Fedloan Help, I was told, filed paperwork. The reason that had not heard from my real loan holder ( XXXX XXXX ) was that my loans were in forbearance  accumulating interest.
Product: Credit reporting or other personal consumer reports

Hello, It came to my attention via many calls and creditors that I had balances on many accounts. The more I researched i found out in XX/XX/year> that my personal information, my Social Security Number was involved in the XXXX data breach. I did the search with my personal information and the site confirmed that my information was involved in the breach and that my identity information was stolen. I've had many issues including people using my information to get housing in locations i've never been too in my entire life. Also, the debt balance i'm hurting from. I had great credit for 15 years and now I'm Struggling to make it. 
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX XXXX Credit Report Date : XX/XX/year> XX/XX/year> XX/XX/year> Also Known As : - - - Former : - - - - Data Breach Accounts Yellow Data Breach Accounts XXXX. XXXX. XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX. Account # : XXXX XXXX XXXX XXXX ) : XXXX XXXX # : XXXX XXXX XXXX XXXX ) : XXXX XXXX # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX ) : XXXX Account # : XXXX XXXX ) : XXXX. Account # : XXXX XXXX ) : XXXX XXXX Account # : XXXX XXXX ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX ( Original XXXX XXXX ) Trans Account # : XXXX XXXX ) : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  A ) Trans Account # : XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Exp Account # : XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX  XXXX # : XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX  XXXX # : XXXX XXXX XXXX Inaccurate Accounts Pink XXXX. XXXX. XXXX XXXX ) : XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX ) : XXXXAcc # : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX. Account # : XXXX XXXX XXXX ) : XXXX XXXX XXXX. Account # : - - - - XXXX ) :
Product: Debt collection

In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.
Product: Debt collection

This kind of account is placed as a Collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.