23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received the following email from Capital which states " A purchase was charged to your account. ". I called to inform them that I did not authorize the two charges for {$150.00} and {$1.00} ( total {$150.00} ). I was told this was a pre- authorized charge by XXXX. I ask for a written explanation as to how someone other than me can authorize a charge on my account. I was told they do not provide written explanations. I then asked to talk to a supervisor ( waited 10 min ) for XXXX ( XXXX ) and he stated he could not provide a written response. I also contacted Capital One on line CHAT service and asked for the link to file a complaint. I was not given the link so I informed them I would file with https : //www.consumerfinance.gov/. <P/>NOTE : I am a XXXX - no XXXX XXXX XXXX XXXX A purchase was charged to your account. RE : Account ending in XXXX XXXX, As requested, were notifying you that on XX/XX/XXXX, at XXXX, a pending authorization or purchase in the amount of {$150.00}  was placed or charged on your Capital One VISA SIGNATURE account. <P/>Note : Youll receive this notification for both purchases and pending authorizations, such as car rentals, hotel reservations and gas purchases, even if an actual transaction hasnt taken place. <P/>Please visit your account to view your pending and posted transactions. <P/>Important Information from Capital One Contact Us | Privacy | Help Prevent Fraud To ensure delivery, add XXXX to your address book. <P/>This email was sent to XXXXXXXXXXXX and contains information directly related to your account with us, other services to which you have subscribed and/or any application you may have submitted. <P/>The site may be unavailable during normal maintenance or due to unforeseen circumstances. Please visit our Set Alerts page to modify your alerts subscription preferences. <P/>Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/contact. <P/>Products and services offered by the Capital One family of companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX., Members FDIC.
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XX/XX/XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
Product: Payday loan

The opened date for this alleged debt with Ad Astra Recovery is XXXX XXXX, 2012 - The Statute of Limitations for Texas is ( 4 ) years and their still attempting to collect.
Product: Credit reporting or other personal consumer reports

Hello inside you will find my dispute detailing my concerns regarding the company and the violations of both FCRA, FDCP, and CFPA Laws.
Product: Credit reporting or other personal consumer reports

Trans Union lowered my XXXX score for no reason. Nothing on my credit report changed.
Product: Credit reporting or other personal consumer reports

Over the past two years, I have been given the run around about 2 collections on my Equifax and XXXX report. 

On XX/XX/XXXX, I contacted the original creditor ( # XXXX ) " XXXXXXXX XXXX XXXX XXXX '', at XXXX, about a fraudulent lease obtained in my name with XXXX XXXX XXXX XXXX or around XX/XX/XXXX by a con artist ( XXXX XXXX ). The original balance was {$13000.00}. They placed me on hold to get the supervisor after I supplied an identity theft report, approved police report, complained through the CFPB, and much more. They then offered a call back but never called. On XX/XX/XXXX, I contacted the debt collection agency, " XXXX XXXX XXXX XXXX '' at XXXX, that they unlawfully sold my information to regarding the alleged debt and I explained to them the issue and the lack of communication regarding this matter. They said they would dispatch a fraud packet to my home address and agreed to open the investigation to remove. 

On XX/XX/XXXX, I attempted to contact the original creditor ( # XXXX ), XXXX XXXX  XXXX ( XXXX ), about another fraudulent lease obtained in my name in/ or around XX/XX/XXXX, with XXXX XXXX XXXX  : XXXX  XXXX XXXX and got an automated teller system. I then contacted the debt collection agency, " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' at XXXX, that they unlawfully sold my information to regarding the alleged debt, and I followed up on Dispute ID : XXXX. I explained how my rights are being violated and I never received an update regarding my dispute. I spoke with XXXX XXXX and he gave me his email : XXXX because he admitted they never communicated with me about needing the copy of the back of my DL and my notarized residency affidavit. I got these items to him immediately.
Product: Mortgage

I am trying to speak with you guys to bring the loan current, there is no dialogue or response from your end, this is no justified. 

As I told you before, I got XXXX in 2022, and I had to evict two XXXX  last year, and this year again I was told by the doctor again that i might be infected with another variant of XXXX. 

And you guys have put so much of late fee, legal fee, interest, and inspection fee charges, how will I pay that. 

Plus from last 2 weeks i am trying to speak to someone and also to the XXXX. 

The email address you provided of the XXXX is a bogus, fake email, and the phone number is a regular customer service phone number. 

As you are not coming on the table to talk, I contacted XXXX  and they will be contacting you soon as well.
Product: Checking or savings account

On XX/XX/XXXX, as I was expecting XXXX XXXXXXXX Benefits payments, and had heard we would get increase, so when {$5800.00}, appeared into my account : : I having been a XXXX XXXX  in XX/XX/XXXX, and had just moved into house.I purchased much needed beds, Furniture, television, etc paid bills, XXXX weeks later XX/XX/XXXX, my account became negative, $ XXXX, The assistant ( XXXX ) lady came into office as I was speaking to bank officer, first tried to insinuate I had deposited a check, when I dont even use checks, and make No deposits, only my benefits from The US Treasury dept go into it, then she said " '' Oh!, I know what happened this is after I called the XXXX, number night before, and was assured it would be straightened out by me going into bank, I pleaded with them not to take my rent and living money, she said no, and that they had in fact deposited it in error into my account I pleaded with them to not take all as I needed to pay rent, I suffer from XXXX XXXX XXXX and told them of such, they didnt care, I then applied with social workers advice to XXXX organizations, was denied as i was over the income threshold of XXXX yrly, I am at wits end now, I pleaded again for statements to show XXXX organization, when i called her she said " I advise you to redirect your Social Security as we will take that too '', When I tried explaining how dark, and low I was feeling desperation, social worker even called Police to my Door! I ust moved here and embarrased is not the word, No chance to take partial and leave me something to eat and live was denied by Regions, and when I tried to tell them Close this account, she just said come thru the drive thru, " Dont Come Inside '', as to set me up or something, This is outrageous, and the statements dont reflect Regions error. I demand accountability and i am suffering, mentally, emotionally, at threat of losing housing cant pay car note, and insurance and rent with nothing. For this to happen I feel is indicative of some misappropriation, and irregular money transfers that perhaps need FBI, attention, It Should not be legal to take a XXXX Benefits, with no regard, or emphaty, or payment arrangement when they made error. I Am XXXX XXXX XXXX XXXX this cant be American
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Product: Debt collection

Phone calls from Convergent Outsourcing XXXX. I have no debt does not concern me ... Calls my direct dial work number with an automated message.
Product: Debt collection

My husband and I were recently victims of credit and identity fraud through a company that promised to help consolidate and reduce our student loans. I did open the account in question, but they only sent me a summary. I need an itemized list of purchases when they happened and what items were purchased to file a police report. Without the information necessary to file the report, they should not be able to affirm the total balance of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my dispute initiated on XX/XX/2023, I received a response from Experian confirming the verification of inaccurate information associated with this account. It is essential to highlight that I have never engaged in any business transactions with XXXX, the entity linked to this account. 

This situation directly contravenes the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ), which stipulates my right to receive documentation validating the debt 's legitimacy and the original agreement when impacting my credit report. The absence of such crucial evidence raises significant doubts about the accuracy and integrity of the credit reporting process. 

Furthermore, I wish to address Experian 's noncompliance with Internal Revenue Code ( IRC ) Section 6050P. The omission of Form 1099-C for a charged-off debt, such as the one in question, not only violates IRS regulations but also undermines ethical and legal credit reporting practices. 

Equally concerning is the inclusion of the charged-off account on my credit report without a permissible purpose, a direct violation of FCRA Section 1681a-2. This breach compromises the accuracy and fairness of my credit history and indicates a disregard for consumer rights.

Consequently, I demand the immediate removal of the charged-off account from my credit report, in line with these legal imperatives : FCRA Section 609 ( a ) ( 1 ) ( A ) : Timely provision of the original contract or agreement associated with the charged-off account for verification.

IRS Code Section 6050P : Issuance of Form 1099-C for the charged-off debt and furnishing evidence of its issuance, as mandated by law.

FCRA Section 1681a-2 : Comprehensive investigation into the inclusion of the disputed account, including physical authentication of the original consumer contract.
Product: Credit card

I opened the credit card for the purpose of doing a balance transfer from another card. When I applied it asked if I wanted to do a balance transfer. I said yes. It asked for amount. I put in an amount. I thought this was to see if I qualified for the card. I did. I was then sent the card and I opened an account t in their app. I was immediately asked about a balance transfer. I put in approximately the same amount as when I signed up for the card. I received a letter soon after saying the transfer was denied. I was under the impression I only requested one transfer at this time. The letter was very vague and did not state that another transfer was already I. The works. I did a grander through an existing card that I have. Then I opened my BOA app to see that a transfer did in fact go through. I called immediately and was told to get XXXX XXXX to send me a check for the amount. I did. They sent me a check and I immediately paid of the balance transfer amount to BOA. They are refusing to refund the {$120.00} transfer fee even though their letter was not detailed and as a consumer I did not understand. I thought it was because I was trying to transfer money from one Visa card to another. I did not know the first time I enetered the amount it was going through as a transfer. I am not scamming no just want the fee reversed. They refuse to help me.
Product: Mortgage

I own my home in Florida ; recently affected by Hurrucane Irma. I was told by a FEMA rep that mortgage companies were offering a 90 day forbearance on mortgage loans and that it would extend the loan by 3 months with no penalties. However ; Bank of America will gladly give 90 day forbearance but then wants all 3 months of payments paid at once when 90 days are up. How in the world does that help anyone? If we were hit with a natural disaster and do not have the money now ; why would I have 3 months worth at once? Every other institution is allowing an extension on the loan ; added 3 months. Bank of America is not helping victims at all.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

How can you charge me over {$2000.00} in interest in just 4-6 months? 

Was under financial duress from divorce with acquiring loan and charges unlawful or extreme interest rates for emergency temporary cash relief. Consider predatory lending? 

Collateral Was repossessed once prior to loan being even 30 days late. 

Not one cent of my payments has been applied to principal. 

Interest rate excessively exceed maximum allowed by law in the state of Tennessee.
Product: Debt collection

I applied to XXXX XXXX and I requested to cancel my application and to cancel my housing application. I received notification that it was canceled and the school was still trying to collect. So they sent the information to a collection agency.
Product: Mortgage

Prior Case # XXXX ( Held by NationStar according to XXXX ) was not properly closes out. 
That lender must complete an " escrow close '' out in order for a refinance of my current loan that is with XXXX. 

FHA Resource Center regarding a closeout repair escrow reference number for a call to them is XXXX.
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by XXXX  XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX 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. 




XXXX XXXX  # XXXX - IDENTITY THEFT 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: Debt collection

I took a payday loan out and have been unable to pay it back, received several harassing phone calls. Received phone call just now  XXXX   XXXX   2017  and they told me they were suing me for wire fraud and were coming to serve me at my place of employment. I called the phone number  XXXX  for the offices of  XXXX   XXXX  and  XXXX  and spoke to a gentleman who stated they had an affidavit from my bank that I had falsely obtained funds via bank wire. He asked me when they could serve me the paperwork and I said I would be off at  XXXX . He then asked me if I wanted to resolve this debt on the phone right now and I told him I wanted to see the paperwork first. He then told me they were coming to arrest me right now.
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 declined to take timely and effective measures to promote and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive and did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These acts have cost significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency has violated their FIDUCIARY DUTIES to follow through with my instructions and can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and to my personal privacy because there is none. Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. I have given my instructions to the third-party agency XXXX, XXXX & Equifax to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) EQUIFAX SEC Commission File Number XXXX CIK Number XXXX IRS XXXX XXXX
Product: Credit reporting

Went to buy a car from a dealer in XXXX called " XXXX ''. I authroized them to pull my credit report which they did not once but twice. They have told me that they only did it once and they would correct. Spoke to XXXX in Finance XXXX. One was pulled on XX/XX/2016 and the other on XX/XX/2016. I want one of them removed. I did n't authorize more than one inquiry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts though your company claims to has verified these. 

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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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 creditor/CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

debt was paid still showing on credit report as owed on XXXX I was told it would be deleted off
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I receieved a phone call from a gentlemen named " XXXX '' from Associate Credit Services. Phone number XXXX. 

He told me I was delinquent on a debt that I " bounced '' a check with XXXX XXXX. Which is impossible because I don't write checks and dont even have a check book. 
He claimed I had a negative balance ( $ 400ish ) with XXXX XXXX but because they were acquired by XXXX XXXX, Which I don't have any record of at all. I've been trying to access my account since they were acquired and can't even log into my account. I have been unable to gain access to anyone at XXXX that has been able to help me. On their books it appears I don't even owe anything and my accounts been closed. I've attached my end of year tax records they sent me. If I owed them money, why isn't it in there? 

I told the debt collector XXXX, I was not comfortable talking to him any further. I confirmed I am XXXX XXXX and not to contact me, my family, friends or coworkers. I will continue to try to handle this matter with XXXX XXXX. 

He got very threatening, telling me I don't have the money to pay it and I've been trying to get off the phone and avoid the situation. When in fact, I took the call, tried to explain my perspective and all he wanted to do was collect his money today so he gets a cut. 

He was rude, condescending and didn't listen to the facts or details of the case. 
I'm happy to speak to XXXX XXXX but until I do, I'm not paying a random thrid party collection agency.