23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX Veteran and I am/was a customer of XXXX XXXX XXXX ( XXXX ) home warranty paying {$53.00} a mo for coverage - Six ( 6 ) months ago I received a letter from XXXX reflecting that I was overdue for that months pmt - I have been signed up w/XXXX since moving into our home back in XX/XX/XXXX and had pmts set up on direct debit/electronic fund transfer to XXXX monthly for the {$53.00} pmt - I subsequently contacted XXXX to find out why my pmt was late as I have been on direct draft pmt for the last three yrs - I asked the XXXX rep what happened and they couldn't give e an answer - I then received a second notice of overdue pmt for the second month in a row - with debit card information ( 16 didget number ) enclosed in the 2nd letter that was incorrect - I once again called XXXX and asked them what happened and that the debit card info on their 2nd letter was not mine - The next four months went by - my wife or I haven't submitted a request for any type of services from XXXX - and now after six months have elapsed since receiving the 1st and 2nd past due notices form XXXX - we have now received a collection notice from XXXX XXXX XXXX. in XXXX XXXX IA which reflects we now owe {$160.00} and that it has to be paid w/in 30 days of the date on the credit collection agency of XX/XX/XXXX. Upon receipt of the collection notice I once again called XXXX and asked to speak to a supervisor - ( foreigner ) did not have command of the English language and did not attempt to resolve or even listed to my dilemma - and hung up the phone on me - I attempted a 2nd call - both calls in succession today the XX/XX/XXXX @ XXXX and XXXX XXXX - to no avail the rep would not allow me to speak to a supervisor the 2nd time I called and did not offer any assistance of any type or listen to my dilemma. I requested that both of today 's calls be annotated on my file and that I was reporting their company to the XXXX XXXX XXXX and what ever other agency I can report them to as a victim of their direct negligence to listen, assist, and resolve my billing discrepancy they are responsible for this mistake that XXXX we feel is directly responsible for - My wife has also contacted XXXX in trying to explain this same situation but was told that it is our responsibility to pay our debts - Our argument is that " HOW DID OUR MONTHLY PAYMENTS GET STOPPED WITHOUT MY AUTHORIZATION OR REQUEST TO STOP? '' Then to receive past due notices without no explanation?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated 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 Here I am sending proof that this account has different opening dates, and they are reporting inaccurate information as well. There is a discrepancy between agencies and I need you to remove that account from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information : They are violating my rights and are also reporting inaccurate information.
Product: Checking or savings account

My mother XXXX XXXX XXXX, DOB XXXX and last four digits of SSN } XXXX. To whom had an account with Capital One had unfortunately passed away. And they stated that when I becomes the Executor of her Estate they will distribute the funds in the account to yours truly. However they havent kept their word and despite being presented with the document that I am the Executor of her Estate they have ignored the request.
Product: Money transfer, virtual currency, or money service

My brother used Western Union in XXXX MT to transfer {$4000.00} to me on XX/XX/2020. This was due to me being stuck in XXXX since XXXX while on vacation there, because of the Corona virus and travel ban. 
The problem is with the conversion rate used by WU in MT. They used a rate of XXXX XXXX baht to {$1.00}. The real rate over the entire year of 2020 never dipped below XXXX thb to {$1.00}. The rate for the week of XXXX was XXXX to XXXX. I did another transaction the same day at the same WU branch in XXXX on XX/XX/2020 and the rate for this was XXXX to XXXX! This deficit caused me to receive XXXX thb instead of XXXX, which meant a difference of over {$500.00}! 
I have reported this and complained to WU headquarters, which denied responsibility as well as the XXXX police department but nobody has taken any action. I have records of all this for your convenience and this evidence backs up my complaint about financial fraud by Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was previously disputed and Transunion failed to address this to the CFPB in the last dispute.     I am signed up for Transunions credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is the  6th tim e I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that Transunions credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.
Product: Debt collection

STILL REPRTING ON MY CREDIT REPORT STILL NO INFO PROVIDED TO ME ATTEMPTS TO CONTACT UNSUCCESSFUL & UN-NEEDED CONSIDERING I DO NOT HAVE ANY AGREEMENT OR KNOWLEDGE WITH THIS debt servicor.
Product: Credit reporting or other personal consumer reports

I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX 100 % permanent and totally XXXX veteran like this? I had to retire in 2017 due to my XXXX. I still managed to continue to pay ON TIME until I ran out of possibilities in 2019. They charged my accounts off in 2020. They are reporting charge off in 2021, that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a HELOC. the reason? Recent charge offs. I haven't been late on a single bill for over 4 years. I have no recent charge offs and XXXX XXXX has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in 2020. its there, but doesn't show as recent, which is accurate. XXXX XXXX is purposely damaging my credit, why? To make me suffer more for going thru a hard time.
Product: Checking or savings account

They say it was due to the fact they dont have a hi rate credit card and that dont have a mortgage history and they didnt let the credit report help them in there decision so that to me is they dont care about the small business man cause the to busy letting people steal money and holding up the small businesses that is real and try to be an asset rather then a burden Capital one and XXXX XXXX
Product: Debt collection

This morning I was contacted ( via phone call ) by a debt collector concerning a claim that a debt was owed to XXXX XXXX XXXX, XXXX XXXX, La. The debt collector said they attempted to provide a notice of validation at the last known address. The address that the notice was sent to was not a correct address and the forwarding address had expired. I requested that the debt collector send the notice of validation to my correct address and they informed me that they don't send a second notice. This seems to be in violation of my rights as a consumer as I have not received notice of my right to validate or challenge the debt. I request that XXXX XXXX send me a notice of validation at the address that I provided to their debt collector today so that I may exercise my rights as a consumer. XXXX XXXX also added charges to the debt that were not due to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Debt collection

It is for an apartment complex called XXXX XXXX XXXX which I never lived at. 
It is through the collection service of Nevada. 
I have had multiple issues with this debt collector they have threatened me on numerous occasions with suing me and refusing to listen to me when I explain things were not me. They have been nothing but a hassle to deal with/ This debt needs to be removed from my credit because it was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

.First I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Money transfer, virtual currency, or money service

Dear Sirs, My name is XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I address you with regard to the XXXX payment transaction that has been made on XX/XX/2022 and is currently on hold since XX/XX/2022 by Bank of America, please see the full details below. On XX/XX/2022 we received a compliance request from the correspondent bank - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX with the inquiry of a detailed purpose of payment and relevant invoice. We replied to this request on XX/XX/2022. However, by now the payment has not been either returned to the debtor bank, or proceeded further to the beneficiary, while the said goods have been already shipped from the XXXX supplier to the XXXX  customer. Please kindly check the current status of this transaction and arrange to refund it to let us settle this matter. Thank you for your understanding and cooperation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ID : XXXX Tax ID No : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX ( XXXX ) ; Correct Account # XXXX ( In the credit report the XXXX XXXX Account XXXX is INCORRECT ) ; XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXXXXXX XXXX XXXX  to the Debt Collector XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, {$98000.00} Charged off ( C/O ) XXXX XXXXXXXX XXXX Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account XXXX XXXX is INCORRECT ) {$100000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXXXXXX XXXX XXXX to this Debt Collector ) XXXXXXXX XXXX XXXX ( aka XXXXXXXX XXXX ) Account is XXXX, {$69000.00} Charged off ( XXXX  ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Debt collection

I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account XXXX Date Open : XX/XX/XXXX Balance : {$280.00}
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home and the underwriter pulled my credit report and noticed an account that ( 1 ) is not reporting accurately and ( 2 ) is not should not be on my credit reports at all. The account is showing me to have an outstanding balance when in fact I don't have a balance at all. The consumer reporting agencies have a legal requirement and obligation to ensure that all information is reported with 100 % complete accuracy. This account does not have an outstanding balance or any past due payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment and an outstanding balance. Please note that I dispute the validity of this debt in its entirety. I request verification, validation, and proof that this alleged debt and related account belong to me. Additionally, I require evidence of a contract or agreement with the original creditor, signed by all relevant parties. Your attempt to collect this debt and the money associated with it is illegal as I do not owe it. XXXX XXXX or XXXX XXXX is contractual law and requires an agreement where the non-custodial parent is enrolled into the program. Provide the contract bearing my signature between myself and the head of the XXXX XXXX XXXX or XXXX. Without a contract, there is no legal duty. It is unlawful to advertise any debt to coerce payment. Cease harassing me as it is severely impacting my XXXX health. I am disputing the following account : XXXX - XXXX  Attorney General ( XXXX XXXX ). 
This is an official dispute of this account, and I demand the deletion from my consumer report. Again, I do not believe that I owe this money for the above-mentioned reasons. I paid it in good faith as it is currently prohibiting my family and I from purchasing a home for us. Attached is proof of payment in the form of a money order and a receipt from the cashier of the XXXX XXXX XXXX XXXX XXXX XXXX. If the information can not be verified according to the law, I demand this account be permanently removed immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX. This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with XXXX XXXX XXXX