23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX  XXXX card was closed 2 years ago and written off. I have been receiving credit drops, because XXXX XXXX sells the account to PORTFOLIO RECOVERY. XXXX  XXXX sold it for collections XX/XX/2020. I have zero knowledge of this report and it has dropped my points tremendously, Ive tried contacting the PORTFOLIO RECOVERY, but its takes weeks to get an response. Im hoping you can get this removed off of my report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, Hello! I am attaching a FTC report containing XXXX fraudulent accounts. I am submitting this XXXX XXXX XXXX  to block the XXXX account attached to this CFPB report as well as remove the address listed in the FTC report. 
I have attached XXXX accounts in the FTC report to Innovis which are fraudulent accounts in lieu of FCRA XXXX to be blocked from my Innovis report. 
Last I have attached XXXX accounts with XXXX which were recently blocked and appeared back on my XXXX credit report without any kind of notice to me. Those XXXX accounts are fraudulent per FCRA XXXX and should be blocked from continuing to be reinserted unto my credit report.
Product: Credit card

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Debt collection

I previously submitted a cfpb complaint XXXX. I submitted a complaint because of a new collection account that is reporting in my credit report this was submitted on XX/XX/XXXX and the account that I filed a complaint was XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX I am happy that account has been removed from my credit report today XX/XX/2022. But I got disappointed when the same balance and original creditor which is XXXX reported this account this time with AFNI ( Original Creditor : XXXX XXXX ) account number XXXX. Again, as I previously mention I am not aware of this account and never received any notification from this agency. I can't believe that if I am conscious of my credit report any agency can add accounts to my credit report without a notification. I can't believe that any account can be on and off my credit file. Please read my previous complaint and have this account removed from my credit report.
Product: Checking or savings account

On the night of XX/XX/XXXX I deposited around XXXX Into the chase atm machine at the XXXX XXXX XXXX, XXXX, NJ XXXX branch. ATM malfunctioned as it was counting my money. The machine printed a slip stating to check my account to see if funds deposited into my account if not it said to call number. The funds never made it to my account. I called number they put a claim in and credited my account. Then I received a letter couple weeks later saying they looked into it and never found the money. I called again they said they will put another claim in. On XX/XX/XXXX They then took the credited money back causing my account to go negative. Decided to Visit the branch to talk to a manager. He sat me down with a banker. She called to check on the claim. Was denied again. She said they counted the funds from the machine and nothing was found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of Names XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, Ga XXXX a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  and a dispute with wells fargo, wells fargo furnished my credit report with a line of credit that belonged to someone else, wells fargo knew that the social security number was totally different from the social security number that belongs to my credit report. wells fargo denied the removal of the account for more than a year, I was accused of being the person who opened this wells fargo account, I sent wells fargo a copy of my social security card through the cfpb showing that the social was different, I was denied credit within the time of the wells fargo account that was being reported, I'm putting wells fargo on notice that I will be filing suit, for violating the fcra and furnishing my account with fraudulent information willfully, even after I disputed the information as being incorrect. I uploaded the documents from wells fargo accusing me of owing this debt,
Product: Debt collection

On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.
Product: Mortgage

On a regular basis, annually, I get threatening correspondence regarding my mortgage with OCWEN LOAN SERVICING, LLC. XXXX last case was # XXXX XXXX which was only resolved with the help of CFPB!! THANK YOU ) I have been up to date with " all '' my XXXX payments! 

Again, on XXXX XXXX, 2017 I received correspondence, dated XXXX XXXX, 2017 from this company, that my XXXX 2017 mortgage payment is past due. 
I have paid the full amount of {$1400.00} ( interest and principal ) on XXXX XXXX, 2017 by 'CERTIFIED MAIL ' which according to the XXXX was delivered to them on XXXX XXXX, 2017 at XXXX. My XXXX 2017 payment was the forty-ninth ( XXXX ) payment I have made to OCWEN, who bought the mortgage years back from XXXX BANK.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already paid my bill and I couldnt see what I owed and my balance is XXXX at this timex Please check it again.
Product: Checking or savings account

I was attempting to sell a piece of furniture through XXXX XXXX for {$80.00}. A prospective buyer contacted me and wished to purchase the piece through a XXXX payment. 

After agreeing to this, I received a fraudulent e-mail stating that my XXXX account was not authorized to receive the funds and that it needed to be upgraded to a " business account. '' To make this upgrade, I had to send the buyer {$300.00} which would then be refunded to me. I complied and sent the {$300.00}. The fraudulent buyer maintained communication throughout this process via XXXX XXXX, which gave me a false sense of confidence that this transaction was legitimate. 

After this, I received another e-mail stating that the authorization did not occur and that I needed to send an additional {$700.00}. I complied again. After this, I received another e-mail stating that there was an error and that I needed to send yet another {$700.00}. I complied once more. 

Finally, I received another fraudulent e-mail from XXXX stating that I needed to send another {$1500.00}. I did NOT do this, as at this point I realized I was being scammed. I contacted Chase bank immediately and was told that my money ( {$1700.00} ) could not be recovered as I had technically authorized the transactions.
Product: Credit card

Based on misinformation provided by CITICARDS customer service on procedures required by the card holder in submitting a merchant dispute the card account was closed. Citicards provides no way of getting in touch with their offices and getting an explanation as to why the card was closed, nor do they provide a procedure as to how a card member can request an investigation into the matter and have their complaints reviewed. 

This was an account in good standing for over one year, total balance paid in full every month and on time.
Product: Mortgage

I am receiving assistance with mortgage payments for 18 months from Florida Dept of Economic Opportunity. I have sent in letter to Mortgage and called several times regarding payments being applied. Payments were sent for XXXX and XXXX yet they have not been applied. I am not receiving any assistance locating and applying payments. I do not want any late payments applied on my credit report.
Product: Checking or savings account

My XXXX XXXX XXXX Uncle died on XX/XX/XXXX. I was on his checking account and have written and cashed checks for the last 20 years for him. I was advised on XX/XX/XXXX XXXX that I was only a POD on his checking account so they closed the account and took the money. I was asked to " jump through the following hoops '' XXXX. Send Certificate - DONE 2.Received a letter saying I needed to file a Tax form with the State of New Jersey because he was living in XXXX for the last 30 years but the account was opened in XXXX XXXX - Did that and was told I only had to sign and notarize an affidavit explaining that he lived in XXXX - DONE XXXX. I called to see if they received the Affidavit. They said sorry, you didn't have to do that. Just fill out our BOA form and send a copy of his Will, of which I am Executor. DONE I should receive the check in 10 days XXXX. Called again to see what was going on ( end of XX/XX/XXXX ), Said sorry, you need to have your Sister sign a BOC form ( she lives in XXXX I live in NJ ) She went into BOA in XXXX and signed the form. check in 30 days. ( That was also in XX/XX/XXXX ) XXXX Today I called BOA Third Party Case manager and was told that just last night they approved the payment and I should have a check in 30 days!!!!!!!!!!!!!
Product: Vehicle loan or lease

On XX/XX/XXXX I made a payment for {$2000.00}, that payment amount was a mistake. My monthly payment is {$250.00} a month. I am an XXXX veteran with XXXX XXXX and did not notice this mistake until XX/XX/XXXX when Ally Financial contacted me because of late payments on the account. That day since I noticed the over payment I told them to take the payments that were due from the {$2000.00} and refund me the rest. I called again on XX/XX/XXXX to check the status of the refund and payments and they told that they needed another 24 to 48 hours to complete the process. I called again today XX/XX/XXXX and they said that they applied part of the {$2000.00} to the months past due and the rest they applied it to the principal balance of the loan. They do not want to refund me anything and did not authorized the transaction to apply the remaining part of the {$2000.00} to the principal.
Product: Credit reporting or other personal consumer reports

According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's consumers and to protect the security and confidentially of those consumers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. These companies are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out and at any time. '' I am opting out out of your reporting services.
Product: Credit card

I booked a hotel through Capital One XXXX in the amount of XXXX. My husband stayed at the hotel and his invoice stayed the cost was only XXXX. 

I called the hotel- they said that was the negotiated rate with the 3rd party ( capital one XXXX ). 

I called capital one and after 2 representatives and me insisting on needing to escalate the situation, I finally spoke with a manager.

She informed me that the hotel made a mistake by informing my husband of the business rate that was negotiated between the hotel and capital one XXXX. 

Essentially, we were charged what capital one XXXX  felt like charging us, and then went and negotiated a lower rate to rip us off for XXXX bucks. 

The scam was exposed because the hotel handed my husband an invoice of that price that was negotiated. 

Capital one XXXX gave me a XXXX  XXXX  and not a refund. That does NOT make me whole. It makes me want to never use them again, so who cares about that credit? Now that I know we ( and I am sure other customers ) are being ripped off. 

I want the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Mr. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX XXXX, Transunion again went silent.
Product: Credit card

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is XXXX industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be sent to XXXX, XXXX, and XXXX immediately so that they can update their records accordingly : Balance, Last Reported Date, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX  XXXX  : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Prepaid card

I have a PayPal account that has a negative balance of XXXX. I also have a PayPal Prepaid mastercard that I have my payroll and Social security deposited into. PayPal blocked my ability to login to my Prepaid mastercard account - barring my access to my account funds online. I called PayPal, Inc and was told there was nothing they could do because my PrePaid debit mastercard was connected to my PayPal account. They refused to allow me access to my prepaid mastercard account online.
Product: Credit card

I was given a credit card with Home Depot with the understanding it would be 2 years interest free. I assumed the interest would start after the 2 year period which started in XXXX XXXX to XXXX of XXXX. I look at my statement for this month and I had over XXXX dollars added to my credit card in interest and now they want XXXX dollars minimum for .a payment. This was not explained to me when I purchased the heating and air unit 2 years ago. I should owe around XXXX dollars, So now I am hit with an over the credit limit charge and my balance is now XXXX XXXX dollars. I called the company on XX/XX/2024 and filled a complaint to them on line the same day. They have not responded to my complaint just put me on hold when I talked to a supervisor so long I had to go back to work.
Product: Money transfer, virtual currency, or money service

Hey I had made a complaint about some fraudulent unauthorized charges from Cash App that took about {$8000.00} out of my account. I had made a complaint multiple times to them and they had no resolution and I dont understand why I never got any emails about the current case that you guys had with me which was closed, I dont understand why. I have proof that the same people from Ohio had opened a credit card and my name with their address. These are the same people that basically did Fraud with my account. I looked them up. I know their names I saw I found them out and I dont understand why this is such a difficult case to figure out.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/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: Credit reporting, credit repair services, or other personal consumer reports

I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed