23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the SECOND time that I am sending this letter. I sent the original letter on XX/XX/2022. ( see below ) Since the original letter, I have been a victim of IDENTITY FRAUD from this company. An account was made in my name with this company 's name attached to it. It was an additional account ( a mortgage account ) that I had no idea of. I was told because of this error, that as a courtesy, any accounts from this company shall be removed from my credit report. Either way it is still reporting. So you can either remove it without further incident or you can adhere to the bottom portion of this letter. I will also be filing this letter as a complaint to the CFPB and if I do not have this company removed from my credit report within the next 14 days, I will be forced to file a complaint with the FTC. 
Original letter that I have yet to get a response to that was sent last year : I am sending this certified letter because I have noticed that there is a charge off or a debt in collections on my credit report from your company ( Acct numbers XXXX ), however, I have never received a Schedule C form for that specific charge off. By law that can be considered taxable income per IRS literature and I can be penalized for not reporting it. I am requesting this form so that I can have all legal documentation in my records if I need to provide it to the IRS.
Product: Checking or savings account

On XX/XX/2020 without warning my 3 accounts with Capitalone 360 ( 2 checking and 1 savings ) were frozen because my sister transferred {$33000.00} and {$39000.00} from her account in Nigeria to one of my checking accounts on XX/XX/2020. The bank made be believe originally that the transfers were fraudulent, but after further discussions with my sister and my local bank manager with a different bank it is my belief the accounts were frozen because of the country of origin. I have not received any written communication from the bank detailing the reason for the accounts being frozen, process of investigation and resolution and duration which the investigation must conclude. I waited a couple of weeks thinking the funds would be transferred automatically to one of my other accounts with a different bank that was linked to the Capitalone 360 accounts, but that has not happened and my attempts to talk to someone on the phone have resulted in me being directed to voicemail and told to leave a message and I will be called back. That has not happened.
Product: Payday loan, title loan, personal loan, or advance loan

Given the absolutely unsatisfactory answer and no resolution, I have to reopen case XXXX. 

Bank of America did not recognize the poor service in-store and, after, did not review the loan request nor remove the hard inquiry. 

Consumer Financial Protection Bureau agent, Bank of America, never offered support for our small business and never had a component agent to serve and offer products to us. 

The local manager provided a line of credit product when in-store when I had to trace for it. I provided all the information and beyond, and the agent said we could easily apply and get a max of XXXX in line of credit. This local agent has zero knowledge about what she is selling or she wants to apply regardless of any evaluation??? She said it could not be denied at any moment, but the amount could be reduced. If I knew we had zero chance to get it, I would never have applied. She got all the numbers and credit scores. I feel cheated, and this product and service and process need to be revised. I already got a new account and the line of credit we needed with XXXX, and I need the hard inquiry from Bank of America removed, given this poor service, product, and support. I also need to be contacted by a competent manager who can look after and serve our small business. It is still unclear why it was denied, and Bank of America never offered the other product that was referred to in the first answer. I have never had any support across these past XXXX years despite massive advertising from Bank of America telling me they do. I also need to be contacted by a competent manager who can truly look after and serve our small business, and know what products to offer.
Product: Debt collection

Portfolio Recovery Associates ( " PRA '' ) is collecting on a debt allegedly owed to XXXX. On or about XXXX XXXX, 2015, I disputed this account with all XXXX credit reporting agencies and with PRA and requested validation of the debt. Immediately, the debt was verified with the credit reporting agencies. About two weeks later, I received mail from PRA with a cover letter indicating they had " verified '' the debt. 

Included with PRA 's letter were XXXX non-consecutive statements from XXXX XXXX, none of which provided any indication of how the balance on my secured card with a credit limit of {$700.00} rose to nearly {$2000.00} in a relatively short amount of time. After applying the security deposit to the alleged balance, PRA is attempting to collect {$1200.00}, an amount nearly XXXX the account credit limit. Nothing in the XXXX statements I was sent provide any indication as to where this balance came from. 

In the meantime, I have sent PRA subsequent correspondence to which I have received no reply. They do, however, continue to report a monthly 'charge-off ' to the XXXX credit bureaus, making sure they do the maximum possible to completely ruin my credit score. I would note that a Missouri jury recently ( XXXX, 2015 ) ordered PRA to pay over {$83.00} XXXX in damages to a woman whose credit they ruined without any concern. I have no problem paying my debts but it would seem to me that if they applied my security deposit and closed my account, my balance should be settled. To apply my deposit AND claim I owe an additional {$1200.00} is outrageous, and to ruin my credit monthly because I want to know the nature of how this was calculated is truly unfair.
Product: Credit reporting or other personal consumer reports

I reported identity theft to F1 connect, XXXX and police. I provided police report in an additional dispute to XXXX. I requested XXXX to remove. XXXX declined. XXXX. It appears XXXX refers to original decision XX/XX/XXXX and did not do a thorough review. XXXX response refers to XXXXXXXX/personal/disputes as a way to follow up or dispute their decision - this reference page is same process I already followed twice. Shameful incompetence by XXXX. F1 connect inquiry is requested to be removed.
Product: Debt collection

A company called DCM Services , LLC, called me on an unsolicited basis at XXXX CT on XX/XX/2023 and again at XXXX on XX/XX/2023 from the phone number ( XXXX ) XXXX. Then, the same company sent a letter in the mail via USPS ( included with this complaint ) making the same generic inquiry looking for the " person who is authorized to act on behalf of [ my recently-deceased spouse ] ''. However, no context was given, and no detail of any potential debt was provided. Based on these unwanted correspondences, it seems this company is fishing for estate information for some unstated reasons. The decased has no outstanding debts. We do not feel comfortable providing this company with any information, since the purpose of their outreach has been non-specific in nature.
Product: Vehicle loan or lease

I outright own a vehicle, I am trying to trade in at XXXX. The title indicated no Liens. 

The XXXX system shows a lien with Regional Acceptance in their system from a previous owner. XXXX is making me get a lien release. 

Ive made XXXX calls to XXXX, and they will not help me. I do not have an account with them, I have a title to my vehicle and I need them to send a release so I can trade the car in. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ Data International would verify the debt. So I took it upon myself to ask IQ Data International for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

This is a totally phony attempt to collect a debt that does not exist. I see on the Internet that this company is known for scamming people by trying to collect on imaginary XXXX debts. Please prosecute them and put them out of the collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. 
XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times.
Product: Credit card or prepaid card

Chase credit card account closed in XXXX with balance of $ XXXX.I had autopay but, was charged a late fee almost every month. For over twelve years after the account was closed I was paying on the account including over draft fees and late fees. I stopped the autopay in XXXX  XXXX.Why am I being charged late fees and overdraft fees on a closed account. Were these fees supposed to stop after the account had been closed for seven years?
Product: Debt collection

I am in the process of disputing. This company apparently is trying to collect on a debt from an account opened XX/XX/XXXX, 22 years. It just shows up randomly on my credit report. They claim that I made a payment on it XX/XX/XXXX, which I am wondering how I would have made a payment on an account that was 19 years old. The XXXX credit report shows that the account was opened XX/XX/XXXX, which is inconsistent with the collectors admission that the account is 22 years old and that supposedly payments were made. I do not understand how companies are allowed to pass " debt accounts '' from collector to another over a period of decades. I believe that this is an attempt at fraud. To further complicate this issue, the collector listed is 'Calvary Portfolio ' however, when I called them they advised me that it was subcontracted to another collector XXXX ' and that they ( Calvary Portfolio ) were unable to access the account. Thye told me to call XXXX XXXX. When I called XXXX XXXX to dispute the issue, they advised me they would contact 'Calvary Portfolio ' who would send me details about the debt ( the company that told me they had no access to the account ). Let me tell you please, regular Americans know what this is, someone gaming the system.
Product: Credit card or prepaid card

CapitalOne offers a service called " virtual card numbers '' to supposedly protect the consumer from their information being stolen. However, every time I use a virtual card number, I am charged XXXX, making the total pending charges DOUBLE. I have to wait days for this to resolve. This is a consistent issue with CapitalOne and when I called them they had no resolution other than to wait for it to post and to then call again to dispute the charge. 

This is a product that is supposed to protect consumers from fradulent activity. However, it appears the entity to be afraid of here is CapitalOne itself. I do not want to use this product supposedly designed to protect me if it in fact hurts me, my credit score, and my overall financial wellbeing. 

When I called about this problem, CapitalOne sent me to XXXX different departments. They keep giving me canned non-answers and have no interest or means to resolve this systemic issue with me. In the end, I asked to make a formal complaint. I am still on hold waiting for the information to file a formal complaint with CapitalOne, which has been ample time to file this complaint with the CFPB instead.
Product: Debt collection

The account was opened on XXXX XXXX, 2023, and now they sent it to the collection between XXXX XXXX, 2023, and XXXX XXXX, 2023 this debt doesn't belong to me and is affecting my credit debt collector agency : XXXX XXXX the original creditor was XXXX XXXX XXXXXXXX XXXX  XXXX Please help me with this, is affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under XXXX XXXX  days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  XXXX Balance - Bankruptcy chapter XXXX Reference number : XXXX Amount : -
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.
Product: Credit card or prepaid card

I had to file a Consumer Proposal ( XXXX XXXXXXXX XXXX  XXXX ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from XXXX Bank, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors listed. 

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. 
I am writing to have you remove them immediately. 
XXXX, equifax, and XXXX  company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. 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 instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of debt from FABCO from XX/XX/2020XX/XX/2020, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. FABCO has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.