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

Account # XXXX - XXXX XXXX XXXX - On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. 
Initially, XXXX contacted Experian, but a balance was reflected when it should have {$0.00}. I contacted Experian on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. With the documentation I mailed in, Experian should have updated the Account Status to Closed as well. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled, paid, and closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of four children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Checking or savings account

I reported to my bank that someone had gotten my bank info and I recently cancelled my debit card because of fraudulent activity going on. Everything was okay until 2 days ago. I went to the bank to withdraw from my account and I noticed that there was a preauthorized debit transaction of {$1400.00} on my account that I didnt authorize. I did not have my new debit card at the time neither. I filed a claim with the bank and they said it will take up to 10 business days to figure it out. I have had my claims rejected in the past and they seem to not take it seriously. Im not sure where this transaction came from or who may have my information but I am very concerned about not getting my money back as this is the only account I have with Citizens bank and all my funds were stolen from my account. I want to take serious action and I also filed a police report and told the bank to put the report number in my case file so that whoever may be investigating my claim, can understand that this was most definitely not me and I have no idea why that amount of money was able to be taken from my account especially when I have no active debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, XXXX, Equifax, and XXXX stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

I lost my wallet an and my car was broken into and I called to dispute transaction made at a club I didnt authorize these transactions, my dispute was denied 3x bc they claimed they had evidence to make that decision. I requested that investigation and information and was sent a email with no attachments or documents that could support their choice. Ive contacted them 5x between XXXX XXXX - XX/XX/year> no response or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Online Information Services Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand these INQUIRIES be deleted immediately from my credit profile. If not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681 ( a ).
Product: Debt collection

In accordance with the Fair Credit Reporting act. CAPIO PARTNERS is violating my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681. Alleging a debt is owed and furnishing to the credit reporting agencies without notifying me first. This is also a violation of due process ; I do not know who my accuser is, and CAPIO PARTNERS is a third party debt collector doing business in Missouri without a license and in violation of mentioned laws herein. 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 XXXX, XXXX XXXX and XXXX 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. For reasons stated, CAPIO PARTNERS debt-collector must remove all inaccurate information from my credit reports due to the fact they have no legal right nor my consent to post/furnish on my credit reports. I am requesting Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until CAPIO PARTNERS able to provide Validation Pursuant 12 CFR 1006.34 A FTC fraud report was filed on behalf of me ( consumer ). CORPIO PARTNERS and XXXX, XXXX and XXXX have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. For damages I am invoking my rights as a consumer pursuant 15 U.S.C 1681 ( n ) Civil liability.
Product: Student loan

After discussing this with both XXXX and XXXX, heres what I know. I paid the loan off on XX/XX/year> with XXXX. XXXX attempted to consolidate the loans on XX/XX/year> and they also sent the full amount to XXXX on XX/XX/year>. When XXXX realized that the loan had already been paid off, they refunded the money to XXXX on XX/XX/year>. However, XXXX sold the loan to MOHELA on XX/XX/year>. I do not know where the money went from there. 
I have contacted MOHELA, sent them letters, uploaded documents as they requested, sent copies via certified mail. I have called - and it is never easy to reach them. I have currently been waiting for a representative for 1 hour and 14 minutes. At 53 minutes in, a representative finally answered, said she could not help and transferred me off to the nether regions, where I am still on hold. 
XXXX has provided me with documentation that the loan has been paid.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXX/XX/XXXX XXXX NC XXXX XXXX XXXXXX/XX/XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$2000.00} XX/XX/XXXXXXXX Balance : {$580.00} XX/XX/XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00}XX/XX/XXXX XXXX Balance : {$430.00} XX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXX ) XXXX Balance : {$1400.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$710.00} XX/XX/XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXXBalance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) XXXX Balance : {$450.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Synchrony Bank continues to harass me with fraudulent invoices for the purchase I made at XXXX and then returned the merchandise back. Refund of the shipping was not made claiming that I was not entitled to that refund. The invoice from the XXXX was nothing short of a fraud because it produced no information about prices or shipping. For that reason, claim that I was not entitled to a refund of shipping expenses is nothing short of intentional fraud, harassment, and abuse of senior citizen of XXXX XXXX XXXX as well as fleecing.
Product: Checking or savings account

On XX/XX/XXXX I reported unauthorized fraudulent activity on my debit card following a property/identity theft on XX/XX/XXXX which resulted in {$1600.00} of unauthorized charges and incorrect fees. My cell phone with the same number registered with Chase was also stolen. Upon reviewing my phone records, I saw 20+ calls to Chase Fraud Protection Hotline which were attempts to authorize transactions that were stopped due to suspicious activity on my account. I was issued a temporary credit while my claim was investigated. After investigating my claim, I was informed that the claim was denied due to PIN/chip use and because " I '' authorized the transactions over the phone, when in reality it was the thieves who fraudulently authorized it using my personal information obtained in the identity theft. At this point, I submitted a police report and phone records for further review. The claim was subsequently partially denied again for the transactions totaling {$260.00}. 

In violation of the EFTA, Chase advised me that the decision on this claim was irreversible and they would take no further action, despite the outstanding unauthorized debits to my account in the amount of {$260.00} ; {$210.00} more than the {$50.00} limited liability for unauthorized transactions through a debit card, provided by the EFTA.
Product: Credit reporting or other personal consumer reports

Unethical business practices - I opened an account with XXXX security. Rather than pay for the equipment upfront, I chose to finance with them. I had no choice but to go through Fortiva which financed equipment in that area of Texas. I did not want Fortiva because I had never heard of them. Then, I get a report from the credit bureaus that I had a new account opened. Further, that my credit score dropped over XXXX points. I call and find out that they converted my RETAIL ACCOUNT to a CREDIT CARD. I told them that I DID NOT APPROVE this. I was told they emailed me a notice that I had to " opt-out '' if I didn't want to convert. I NEVER received it. Further, I confirmed that they had the wrong email address. The account was setup with XXXX. XXXX had the correct email and had the correct email since I opened the account. So, someone with Fortiva keyed it in incorrectly. Therefore, I never received this notice to " opt-out ''. I asked them to convert my account back and remove that new account inquiry from the credit bureau, they refused. It is unethical to send an email like that. The appropriate thing to do would be to require an " OPT IN ''. They want to email you so they can have it go to spam and you miss it. They should have mailed a letter or called as well, NOT EMAIL! 
They have added their awful credit card to my credit history, and it has created a MAJOR PROBLEM WITH MY CREDIT AND CURRENT BANK. They still refuse to admit their business practices are deceptive and unethical. This is a second-rate, basement, bottom of the barrel firm, deceptive business practices, and they do NOT care about customers. In addition, I also issued them a cease-and-desist letter to stop all the harassing phone calls about the collection of payment now on this now credit card, that I never asked for. They have violated this request multiple times even after confirming receipt of the letter. they continue to call me every day and leave voicemails with an intent to harass me. This is a clear violation of FDCPA Regulations. Please assist with having this credit card reporting converted back and removed from my credit report. I would also like the FDCPA violation addressed as well.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

How do I report companies for false and deceptive information? Companies can not simply misconstrue the law and tell consumers they are operating under the law when they give out false information and it affects people 's lives! I put in a CFPB complaint about my consumer report where a company did not follow 15 USC 1666b ( a ). I was then told as a response by XXXX the following message ; " Additionally, when a consumer enters into a financial obligation the consumer is agreeing that the creditor has the right to report this type of information to the credit reporting agencies. '' NO, A CONSUMER IS NOT AUTOMATICALLY AGREEING TO CREDITOR HAS THE RIGHT TO REPORT AUTOMATICALLY! THE CREDITOR NEEDS WRITTEN CONSENT BY THE CONSUMER FIRST! EXPERIAN 'S STATEMENT IS FALSE AND MISLEADING! 

Why? 

because it states it law the exact opposite must occur! And I quote 15 USC 6802 ( b ) ( 1 ) ( A ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. '' Meaning I have to give written permission to agree for that creditor to report my information! Why would XXXX give me a deceptive answer like this? Who wrote this response? They should be held accountable as this is a violation of 15 USC 1611 ( 1 ) for giving " ... .false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. ''
Product: Debt collection

XX/XX/XXXX I received a call from Diversified consulatants inc. for a XXXX account claiming that I owe them {$3900.00}. Ive never had a XXXX account. So i began to explain to them I had identity theft with my SSDN, name and address. They told me they would send me a letter with information required for fraud. While on the phone I heard cheering and partying in the background. The guy on the phone instantly muted the phone while telling his crew to be quiet. I knew at that moment it was a scam. 
In XX/XX/XXXX when i learned that my identity was stolen i had my credit report ran by XXXX ( the credit agency that was hacked ) and XXXX  came up as one of the companies they tried to open a account with. We called XXXX and they told us there was no account open. I continued to call XXXX again right after receiving this call and they told me again there is no account. 
its weird too because all of the credit agencies that i have been turned over to because of identity theft have told me that i have to contact the company directly and deal with their fraud company. this is the first collection agency that claims they do it themselves. 
XX/XX/XXXX i receive a letter in the mail asking for all my information SSDN, name and address, police report to make a claim. the letter looks unprofessional and is a copy not a actual printed letter.
Product: Debt collection

This debt was paid in full. The debt was collected from a different collection agency, XXXX XXXX XXXX. The dates of payment were XXXX XXXX XXXX  amount of {$1600.00} and XXXX XXXX XXXX of {$2200.00}. The debt was settled. I spoke with both billing departments at XXXX XXXX and I was told the I only had one bill which was paid in full. No other bills exist. This additional debt collection is fraud. It is inaccurate and it has had a negative impact on my credit report. I have not received any letters or phone calls in regards to the debt they are trying to collect.
Product: Checking or savings account

On XX/XX/XXXX cash app has locked my account due to suspicious activity they stated i would access to my accoint in 24 hours and i contacted support everyday after by email and my account has money on it that i can not access i get no support response from them
Product: Money transfer, virtual currency, or money service

I was scammed and transferred money to invest in Cryptocurrencies from CashApp to a fraud trading platform as I lost money. The CashApp made the currency exchange from Dollar to Bitcoin. The date and amount transferred from CashApp to XXXXXXXX XXXX XXXX XXXX were as follows : XXXX XXXX. Amount . Date XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX & XXXX XXXX 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 A total of XXXX XXXX I am complaining at CashApp to have me charged for the money services and allowed all these transactions go through and help the fraud had taken place. The XXXX platform is not an individual and is fraudulent crypto trading. It is unethical and illegal for a professional institution not to care about the client 's interests and mainly focus on his interests. 
I have already contacted CashApp and disputed the transactions but I was denied. 
Copies of Supporting documents submitted : Corresponding emails to CashApp, XXXX and XXXX transactional denial to XXXX, Police Reports w/ private investigator call, XXXX XXXX texts from fraud tutors and XXXX XXXX 
Best
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a XX/XX/year> late payment entry from XXXX XXXX on my credit report. I believe this entry does not meet the accuracy, fairness, or privacy standards outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
XXXXUpon reviewing my credit report, I noticed this late payment listing, which I believe is either inaccurate or should not be included. As a consumer, I am entitled to privacy under 15 U.S.C.

1681 ( 4 ), and any irrelevant or outdated information that does not impact future transactions should be excluded. The inclusion of this late payment fails to meet the standards of accuracy and integrity required under 15 U.S.C. 1681e.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XX/XX/XXXX