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

The original creditor has been satisfied with the return of telephone equipment that you never signed for. I have a XXXX balance with XXXX and the collection agency is using XXXX, XXXX XXXX and XXXX to bully a payment from XXXX consumer.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fullfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should be at XXXX I paid the loan off and its still showing a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with XXXX XXXX, and Experian incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX mortgage is closed, and auto loan with XXXX XXXX XXXX is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.
Product: Credit card or prepaid card

My problem is with Experian. Experian wanted me to get a new credit card. With my experience with credit cards, I do not want to get credit cards anymore. Experian owes me {$7000.00} which I need this amount. I am paying monthly the amounts that I owe. Previously, the Federals told me that I did not have to pay XXXX. It was closed. Then, Experian has to pay me back {$7000.00}. Apparently, they added the money to one account. I am paying monthly. Why do they, without my permission, used my money to pay my account? I know what I have to do. I am paying monthly. I need the {$7000.00}. It is my money, not theirs. Today, they sent me a notification that they paid for the account. I have not told them to use my money. Would you check why they use my money without my permission? They did not send me a statement. Just said that they paid the account. I can not believe on this, because the balance is higher. Not sure if they were the ones or another person without permission.
Product: Checking or savings account

I was scammed by people pretending to be the XXXX on XX/XX/2021. I sent them {$3000.00} through XXXX as they gave me fake notifications of the money not going through. They were yelling at me, telling me that I would be arrested if I did not pay the money, and causing me severe distress. I had contacted XXXX and Bank of America and they refused to do anything to protect me. I've been a customer of Bank of America for 10 years, and I feel severely disappointed that my bank is not doing more to protect me nor are they providing me with any sort of financial help with my loss.
Product: Checking or savings account

On XX/XX/2023 Bank of America told me they were closing my account because someone had tried to deposit a fraudulent check but they returned it and that I had to stop my direct deposits. Well one deposit was already on the way to the bank and I was unable to stop it, I have called them everyday trying to retrieve my money and I keep getting told lie after lie about when I will get my money. I have received letters in the mail telling me that my accounts were closed, I have spoken to the claims department and the claims that were on my account have been closed but they still will not release my money. I explained to them that this is my rent money and I am facing eviction without it and they still will not give me my money. I just want what is rightfully mine.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I called Navy Federal on XXXXXX/XX/2023 and advised the representative that I still have my card, however, there were some charges that I do not incur. They credited my account back the same day. On XX/XX/2023 they made the adjustment. This is the second time Navy Federal Credit Union has failed me as a consumer. I have been a member with them for years. Whomever in the dispute department did not do their part to investigate my matter and this is really frustrating when you work hard and put all your XXXX owned money in the bank. The amount totaled {$890.00}. I spoke to the rep and the rep advised that the XXXX  team does not give any reason why all I can do is appeal the decision. I would like this to be investigated along with Navy Federal XXXX team to see what measures they are taking to make sure their members do not experience what I have.
Product: Credit reporting or other personal consumer reports

In the beginning of XX/XX/2024 I became aware of a student loan on my credit report that was not mine. I submitted a dispute with TransUnion which was closed and they determined it was a valid debt. I contacted XXXXXXXX XXXX XXXX XXXX and opened an investigation with their fraud department which is still pending however they confirmed this is likely a case of identity fraud. I contacted XXXX XXXX XXXX and notified them it was not my loan. I asked why I had not received any collection calls or letters. They stated they did send letters however they were sending it to an address that was not mine which indicated potential fraud. I filed a report with my local police agency and a report with IdentityTheft.gov. 
My credit history is excellent with XXXX delinquent payments on my mortgage, 2 auto loans and several credit cards. It makes no sense that I would not pay a student loan in the amount of {$2100.00} and have it go to collection. I live in Michigan and until this time I had never heard of XXXXXXXX XXXX XXXX XXXX. I highly doubt the TransUnion made any real effort to investigate my dispute. The erroneous address was on my credit report as well.
Product: Mortgage

I applied for loss mitigation on or around XX/XX/2018. I had to have XXXX XXXX in XX/XX/2018. Loancare continued to tell me I had missing loss mitigation documents which wasn't true. I sent in via email the documents over and over again. Finally at the end of XXXX i received a payment plan to pay off past due and current. I contacted Loancare via phone and email numerous times to explain that my doctor wanted my XXXX to extend to XX/XX/2018 and if my payment could be modified. I never received a call back nor did I receive an email. Comes XXXX finally someone at loancare via phone says they would send me a request for an extension form. Still nothing! On XX/XX/2018 I receive a letter via mail stating my home is in pre foreclosure. Today XX/XX/2018 I sent in another loss mitigation this time along with a letter explaining all the above. I sent a certified letter as I was advised to do by a lawyer. The main thing is ... The lack of communication with customer service not responding correctly can now cost me to loose my house? So not fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
Wells Fargo XX/XX/16 XXXX XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16
Product: Credit card

On XX/XX/2024 @ XXXX XXXX  I paid my credit card bill using the first digital app. The amount was {$41.00}. On XX/XX/XXXX I received a late fee of {$41.00}. I contacted the credit card company to inquire about the late fee as I had proof that I.pais my bill on the due date. Per the reps I received a late fee because my payment was not paid by XXXX central time. I explained to the reps that I am eastern time we are in different time zones. Rep did not want to remove the late. Spoke with a supervisor who refused to remove the late fee as well.
Product: Debt collection

In XX/XX/2021 a collection account was reported on my credit report. I.C. System Inc has harassed me on several occasions in regards to collect a debt in the amount of {$680.00} which is a violation of the FDCPA 15 USC 1692d and FDCPA 15 USC 1692b ( 3 ) due to contacting me more than once. I have NEVER given I.C. System Inc DIRECT CONSENT as a consumer, in which they can not communicate with me the consumer in connection with the collection of ANY debt which is a violation of the FDCPA 15 USC 1692c ( a ). I have sent two certified dispute letters to XXXX  to validate this debt and never received the correct five documentations that constitutes I owe this debt which is a violation of the FDCPA 15 USC 1692g. I sent the first letter on XX/XX/2021 and the second letter on XX/XX/2021. The investigation came back as verified which is a violation of the FCRA 15 USC 1681a ( e ) because the proper investigation was not completed that consist of the consumers ( myself ) character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associations which they dont have my consent to communicate with third parties as stated in the FDCPA 15 USC 1692c ( b ). I.C. System Inc stated in the letter that I received that their office has reported this debt to the credit reporting agencies. This is an alleged debt that I do not owe, and by them reporting it to the credit reporting agencies it is a violation of FDCPA 15 USC 1692e2 ( A ) and has tremendously, negatively impacted my credit report. I.C. System Inc also violated FDCPA 15 USC 1692c ( a ) ( 1 ) by contacting me at an inconvenient time as I have been making funeral arrangements for the death of my uncle. Due to violations that I.C. System Inc has committed, this account needs to be deleted from the credit reporting agencies and by law in reference to the FDCPA 15 USC 1692k I need to be compensated per violation for damages.
Product: Credit reporting or other personal consumer reports

I am promised accuracy on my consumer credit report by federal law. Exquifax continues to report inaccurate and fraudulent information on my consumer credit report All verified information must be promptly removed as you can see in your system you can not verify these accounts. Equifax has valid my customer rights and caused damage to my ability to extend credit due to these fraudulent accounts. Federal violations committed by Equifax are as follow 15 usc 1692j, 15 usc 1692d, and 15 usc 1692f,. the following account are not accurate XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) XXXX XXXX  Reported : XX/XX/XXXX - {$140.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$140.00} Highest Balance {$140.00} Opened XXXX. XXXX, XXXX ( 1 yr, 1 mo ) This is another attempt to have these errors corrected on my consumer reports under 15 USC 1681 and removed.
Product: Credit reporting or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer report ( see attached )
Product: Mortgage

I have talked and emailed XXXX XXXX of First Guaranty Mortgage Corporation, my interim Draw Administrator concerning the Monies were not used to pay subcontractors and the percentages that should have been 100 % as per the First Guaranty Mortgage Inspector. all the issues below since XX/XX/XXXX.  I have asked XXXX XXXX for a copy of the Inspectors report and still have not received that document. 

XXXX XXXX XXXX the General Contractor has {$40000.00} of my monies is in his bank accounts. His partner, and himself ended their business relationship on, XX/XX/XXXX. At that same time, XXXX XXXX XXXX, Also he took {$9000.00} from wife and myself as he said it was needed for the excavation contractor. I have asked XXXX XXXX for the signed Lien Release and still have not received that document. 

. During the Reorganization at First Guaranty Mortgage Corporation ( FGMC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and the change of service administration to XXXX XXXXXXXX a construction management company, who my contact is now XXXX XXXX phone number XXXX. The past Draw administrator let XXXX XXXX XXXX have 100 % of several Line Items which is an error on the FGMC, Draw Administrator during that period. I have contacted the VA Loan Office in XXXX and opened the case # XXXX and have mentioned that this problem is a fiduciary miss management and possibly with criminal intent. I was told to contact the VA administrator for First Guaranty Mortgage, XXXX XXXX, at XXXX and have not heard from her at this point. 

The construction has stopped and XXXX XXXX XXXX no longer involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my TransUnion Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRY! 
XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2024 XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, 2024
Product: Debt collection

Subject : Formal Dispute Against Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute any and all debts allegedly owed to Portfolio Recovery Associates ( hereinafter " XXXX '' ). I hereby revoke all rights of communication from XXXX to me through email, text, phone calls, or any other means, as permitted by law. 

Additionally, I request that XXXX provide the following : A copy of the purchase agreement between XXXX and the original creditor that establishes PRAs legal right to collect the alleged debt. 
Proof that XXXX is licensed and bonded to operate as a collection agency in my state of residence. 
Violations of Federal Law I assert that XXXX has violated my rights as a consumer under federal law. Specifically : Failure to Provide Validation Information : XXXX has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ).

Despite this failure, PRA has placed a collection account on my consumer report, infringing on my rights under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Deceptive Practices : XXXX has engaged in false, misleading, and deceptive practices, in violation of XXXX CFR 1006.34 ( d ), by furnishing inaccurate information to consumer reporting agencies without providing the requisite disclosures and validations.

Improper Reporting to Consumer Reporting Agencies : XXXX has no authority to furnish information regarding the alleged account to any consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Consumer Rights and Enforcement Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have a legal right to dispute any alleged debts and demand accurate reporting and disclosures. XXXX has failed to comply with these legal standards, and I request immediate corrective action.

I demand the following : Immediate cessation of all collection activities related to the alleged account until full validation is provided.

Removal of the collection account from all consumer reporting agencies until XXXX furnishes the required documentation and proof of authority. 
Failure to comply with these requests will result in further action, including but not limited to filing complaints with the appropriate regulatory agencies, such as the CFPB and my state Attorney Generals office. 

I trust that this matter will be resolved promptly and professionally. Please provide a written response to my address above within 30 days of receipt of this letter.
Product: Debt collection

My true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted CALIBER HOME LOANS, INC., and spoke to XXXX, SUPERVISOR, TELLER ID. NO. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX on Tuesday, XXXX XXXX, 2016. XXXX promised XXXX that SHE will contact XXXX on Wednesday, XXXX XXXX, 2016. SHE never called. Shane on HER. When XXXX did contact CALIBER HOME LOANS, INC., to follow-up with XXXX, XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX, and XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX gave XXXX the run around and the worst part of it all is XXXX not only refused to have a SUPERVISOR come on the line when XXXX requested for it, but she put XXXX on hold for over 40 minutes, never coming back on the line once to check in with XXXX within that 40 minutes, and then XXXX had the audacity to hang up the phone after keeping FTLC holding for a SUPERVISOR for over 40 minutes.