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

While checking my credit report, I notice an account from Capital One Bank that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that Capital One Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.
Product: Debt collection

I was notified that Partners for Payment Relief ( PPR ) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I have provided PPR formal notice to cease unauthorized inquiries ( made XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ) into my credit report. They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. 
I contacted PPR on XXXX XXXX, XXXX and notified them the debt was discharged in Federal Bankruptcy Court ( XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( s ). They assured me in our conversation on XXXX XXXX they would not request my credit report in the future. on XXXX XXXX, XXXX they pulled my credit report again. 
I have no legal ownership interest in the property which they are attempting to collect. 
The mortgage holders ; XXXX XXXX and XXXX Mortgage affirm they are NOT pursuing any claims against the property or discharged mortgage. In addition they avowed they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. 
I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. 
PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report and refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries.
Product: Checking or savings account

Years ago Paypal Credit charged my bank account instead of paypal credit they stated that paypal automatically takes funds from your bank account if you do not have enough on your limit to pay. If I wanted to not use any backup payment methods I could turn it off. So I did. Today I find out a purchase I made a couple of days ago to XX/XX/XXXX was charged to my bank account! They took the funds directly from my bank account instead of my PAYPAL credit which I paid the balance up front in order to charge this so now I have overpaid paypal and they have taken the funds out of my bank account. Paypal has become extremely corrupt and unethical. I DID NOT give them authorization to take funds directly from my bank account. I only use the bank account to pay my minimum payments.
Product: Mortgage

I have placed this under " Making Payments '' as that seems to be the best option, but really does not apply to my situation. Bank Of America held the mortgage for my property that was sold through the HAFA program back in XX/XX/XXXX. The short sale process was completed and transferred out of my name XX/XX/XXXX. BOA issued the XXXX to me for the cancellation of the remaining debt. XX/XX/XXXX I received notification that this mortgage has been sold to XXXX XXXX XXXX. Called XXXX and was informed the documentation they received from BOA reflected I was XXXX months delinquent and the property was in process of foreclosing. I now owed an unpaid principal balance of {$61000.00}, interest {$15000.00}, corporate advances {$790.00} and escrow advance of {$380.00}. I informed them of the short sale that was completed on the property back in XX/XX/XXXX and I would fax a copy of my XXXX and contact BOA. Placed a call to BOA XXXX short sale dept ) and the information was reflected in my records that the sale was completed, with no balance due, XX/XX/XXXX and they would forward it on to XXXX. Since the information that was transferred from their foreclosure department, I asked to be transferred to that department. They informed me since my " loan '' had been sold, they could not give me any information as all documents had been forwarded to XXXX. I explained the situation again ( the short sale completion ) and basically the information they had sent to XXXX was erroneous information and I needed for them to correct this ASAP. I needed some sort of documentation from the foreclosure department XXXX information they could access through THEIR short sale dept ) stating there was NOT any foreclosure proceedings on that property and no balance was due and it was no longer in my name and there was no mortgage to be sold. The only option they made available to me, was to file a complaint and wait for one of their agents to contact me. I asked that it be placed into some sort of escalated or urgent status and the response I received was, " I will try but I ca n't guarantee anything ''. I waited XXXX hours for a call and when one was n't received, I called them back. Today I was informed it could take up to XXXX hours for this return call. Which means they have another XXXX hours to respond. In the short sale process with them back in XX/XX/XXXX, I am not holding my breath, as I seemed to get the same run around then as I am now. That is why I am not waiting another XXXX hours and filing this complaint. Not only is my credit at stake, which has been rebuilt and I have recently purchased another property, but my sanity is also at stake. I can not understand how a banking institution can sell a non-existent mortgage and then how, it has become MY problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax hack, it is impossible to request updated credit reports and security freezes due to high volumes ... despite repeated attempts. Why am I wasting my time trying to rectify their mistake? We did nothing wrong here. My expectation is that Equifax will : Provide monitoring until the end of my life AND will coordinate with XXXX and XXXX to do the same. Equifax will bear all costs associated with protecting all of those affected by the data breach. 

Seems like a simple ask for Congress and the CFPB.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX  XXXX ] [ XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXX : [ XXXX XXXX XXXX  XXXX ] CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

Transunion : [ XXXX XXXXXXXX ] [ XX/XX/XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

All I received was a notice of the amount. The hospital never sent a bill itemizing the amount left to pay. I emailed the hospital the packet for financial assistance and the hospital never returned my phone call or emailed me back to even say they received it. I have a pre-existing condition and due to the nature of my job I was unable to work for weeks.
Product: Credit reporting or other personal consumer reports

The credit bureau does not have a credit score for me. To rent an apartment, specialist that don't except insurance but I can't finance because I don't have a credit score over. I don't understand what's going on but XXXX percent of my family is XXXX. My information has been breach, bye all the credit bureau, my insurance company, banks. However, the thing that has hurt me the most is all XXXX  credit bureau. 
I don't have any debt because I don't want to leave my kids with debt. XXXX is very expensive. I just want to be able to enjoy what time I have with my family please. I just want to be able to have my own. I'm on XXXX I've work since I was XXXX. Please can we fix this and not punish any more. Thank you for everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( XXXX  and Equifax )
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX to apply for credit there system put one application thru 4 times not on my part then I find 4 different letters from Bread pay Comenity bank I don't know what happened and want some help if this is the correct place.
Product: Money transfer, virtual currency, or money service

We are filing a formal complaint against Bitcoin depot and the companys handling of a fraud complaint we filed. I believe this company is profiting from fraudulent activity and allowing their product to be easily abused by criminals. Their dispute policies are deceptive and unreasonable. Providing 5 days to complete an overly burdensome dispute process is not consistent with dispute processes required of other financial products. Had this transaction occurred using a regular ATM - she would have 60 days to dispute the transaction and be protected under Regulation E. While I fully realize bitcoin is not covered under Regulation E, I draw this comparison as a point of reference to industry best practices for consumer protections. The delta between 5 and 60 days shows a clear disregard for protecting consumers.

This company 's product is being placed in obscure locations with limited to no controls to identify potential fraud. My mother was able to conduct two transactions with multiple phone numbers while on the phone with the fraudsters at a gas station ( instructing her how to conduct the transaction and providing alternative workarounds to limits ). She is XXXX XXXX XXXX. How likely is it that a XXXX XXXX XXXX woman would enter a gas station to buy bitcoin while on the phone? I would suspect if we were to obtain footage from that gas station- we would see a number of elderly people enter that gas station while on the phone and deposit large sums of money. I would further encourage any investigation of these ATMs to look at footage of images captured from these ATMs to identify those individuals that are on the phone while conducting transactions. If images are not captured at these ATMs and reviewed by their fraud department, this is a willful blindness to the activity occurring with the companies products. 

We request that Bitcoin depot reconsider the refund of all fees associated with her transactions. We believe we appropriately reported the claim within 4 business days of the transaction. However, the company 's policies are burdensome and unclear. Furthermore, we request that any regulatory agency reviewing this complaint review Bitcoin depots policies and procedures and where appropriate require the company to enhance the oversight of their products, including enhancing the consumer protections offered for disputes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the veracity of an alleged eviction on record appearing on my credit and rental report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been verified with ( Company name ). 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), As well as ( FDCPA ) 15 U.S. Code 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, according to the XXXX XXXX format guideline developed by the Consumer Data Industry Association, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. Lastly, Under the FCRA Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i-1681x et seq, information can not be verified if you do not have the authority to access, edit, or share this consumer 's account.
Product: Checking or savings account

On XX/XX/2021 I ordered a merchandise from XXXX XXXX XXXX XXXX  using a Chase debit card in the amount of {$1700.00}. The merchandise did not arrive to me. I filled a claim with Chase bank but they denied my claim saying I signed for the package even after I gave them my signature to compare it with the one from carrier tracking number.
Product: Credit reporting, credit repair services, 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. 

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

This acounts i never opened them they are not mine and someone else used my name so this are fraudulent. Please remove them from my credit report as soon as possible. XXXX! XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$1600.00}. XXXX XXXX XXXX, XXXX # XXXX XXXX, amount {$570.00}. XX/XX/XXXX XXXX, Acount id : XXXX amount {$590.00} XX/XX/XXXX XXXX XXXX XXXX, Acount # XXXX XXXX XXXX, amount {$7100.00}. XXXX, subject loan # XXXX, amount {$5000.00}. Im disputing this again and please take this off my credit report from XXXX, XXXX, XXXX. Thankyou for understanding and your help really appreciated.
Product: Debt collection

Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around XXXX/XXXX/15 and continues through today ( XXXX/XXXX/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like.
Product: Checking or savings account

I dispute XXXX XXXX transaccins XXXX and XXXX wells fargo bank denied i have read i can dispute XXXX transaccion
Product: Debt collection

I disputed the account in the amount of {$160.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.
Product: Checking or savings account

Last year in XX/XX/2023, I found myself in a situation where I was actively seeking employment and was contacted by an organization that purported to offer a job opportunity. Unfortunately, this encounter turned out to be a fraudulent scheme, wherein the perpetrators would send counterfeit checks, instructing me to deposit them into my bank account and then transfer the funds back to them via XXXX under the guise of purchasing equipment for the position. Regrettably, I fell victim to this deception due to my earnest desire to secure employment and alleviate financial pressures associated with funding my education as a XXXX XXXX 

Despite the apparent legitimacy conveyed through the company 's website presence and purported listing on the stock exchange, as well as the completion of various forms prior to the receipt of any checks, it became evident that these were tactics employed to facilitate the scam. Upon the reversal of the deposited funds, I found myself in a dire predicament with my bank, as they conveyed an inability to assist in rectifying the negative balance incurred as a result of the chargebacks. 

Subsequently, I refrained from filing a police report, as I was advised by the bank that they could not intervene in the matter, leaving me feeling overwhelmed and uncertain about the appropriate course of action. With my account bearing a deficit of {$6000.00}, I was compelled by the bank to mitigate the situation independently, further exacerbating the financial strain I was experiencing. 

My primary grievance lies in the inadequacy of the bank 's safeguards concerning check verification processes, which allowed fraudulent transactions to proceed unchecked and ultimately deposit funds into my account. Upon closer scrutiny, the checks in question exhibited glaring discrepancies indicative of their fraudulent nature, including typographical errors and absence of authentic signatures. It was only after the funds had been deposited that the deficiencies became apparent, leaving me in a vulnerable position with limited recourse for resolution. 

In light of these circumstances, I am compelled to question the fairness and efficacy of the bank 's protocols, as they seemingly failed to uphold the integrity of their check verification systems, thereby enabling the perpetration of fraudulent activities. Moving forward, I urge the implementation of more robust measures to safeguard against such occurrences, ensuring the protection of account holders and the preservation of trust in financial institutions.
Product: Credit reporting

After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
Product: Credit reporting

XXXX XXXX Report.com, Experian 's consumer service that says it gives you real, accurate credit scores from all three agencies. It is telling me my XXXX score is XXXX, my XXXX is XXXX, and experian is XXXX. Yet I ran my credit and none of those are even close to the scores actually reported to credit and lending institutions. They are charging me {$60.00} a month for the service. That 's fraud and misrepresentation. I know, I work at the FDIC when the CFPB was formed in XXXX directly for XXXX XXXX. This is criminal. Please investigate and let me know.
Product: Vehicle loan or lease

The payment for my car is expensive and I dont understand why its so high. Im paying {$400.00} a month and my last car I was paying {$180.00} and it was the same exact car and year.