23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. 
XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. 
Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I have been banking with Wells Fargo since I became an adult roughly 20 years ago. Up until recently, I had my personal checking, personal savings, business checking, business credit card, and a car loan with Wells Fargo and Wells Fargo Dealer Services. This was the third consecutive car loan with Wells Fargo Dealer Services. I started a XXXX XXXX company 4 years ago and naturally it was with Wells Fargo. My point is, I have been a very loyal life long customer. 

On XX/XX/XXXX, Hurricane Michael made landfall as a major Hurricane and decimated our area. My wife was XXXX XXXX XXXX  at the time and we were forced to evacuate to XXXX Alabama several days prior. I returned on XX/XX/XXXX to a damaged home, no power, water, or communications. 

During this time I missed a car payment that was due on XX/XX/XXXX. I have never had a 30 day late on the 3 loans I have had since XXXX. When going to make my XXXX payment, I realized I had missed a payment. I immediately made both payments and called customer service. The representative informed me my payment had been made and gave me the number for a disaster relief department that was closed. I called the next day and they wanted to back out my payment and set up a payment arrangement. I declined the offer and just wanted to stress how important my credit was and didn't want it effected by this. They assured me my account had been flagged as being effected by a disaster. 

One month on, I check my credit and it has dropped from XXXX to XXXX points due to a 30 day late being reported. With my history as a XXXX XXXX XXXX  and XXXX XXXX, I know it is possible to back out negative credit reporting. I called again, this time talking to no fewer than 5 people, asking to speak with a supervisor or manager only to receive a " Escalation specialist '' or " Senior Escalation Specialist ''  never being connected to anyone that could resolve my issue. I was told to fax a request to a credit department, they wouldn't submit for me due to no error being made, or I could contact The Office of The President.
Product: Debt collection

Good afternoon, I am writing to you regarding an account that I have previously disputed in XXXX  that account is not mine and it is damaging my credit history, I do not have nor have I had a credit card in the past with the Macys department
Product: Checking or savings account

On XXXX XXXX, XXXX XXXX Bank transferred {$10000.00} to open my Capital one 360 savings account. I have called many times and was told they will investigate. Yesterday a regional manage said she didnt know what to do but would have someone call me. I have received no response.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in helping me to remove incorrect information from my credit file. Transunion, XXXX, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; XXXX is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX  and XXXX and Transunion is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; Transunion is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

XXXX is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Product: Credit reporting or other personal consumer reports

I checked my credit and saw inquiries I did not recognize. XXXX XXXX requested my report On XX/XX/2023, XX/XX/2023 and XXXX XXXXXXXX  XXXX via XXXX XXXX XXXX Requested it On XX/XX/2023. I did not make these inquiries. I called Transition and was told to file a FTC fraud report/
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX BANK # XXXX, has violated my rights. 
XXXX BANK XXXX # XXXX, has violated my rights XXXX XXXXXXXX BANK # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
US DEPT OF EDXXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15USC1681 section 602 states I have the right to privacy.

15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Product: Credit card or prepaid card

Theyve been taking money from my account without my knowledge. This has happened several times. Once I caught on, I complained to Direct Express and got the runaround. Placed on hold for XXXX  hours. Requested a paper copy of my statement TWICE, never received it. I finally was able to file a dispute. It took XXXX weeks for them to investigate. Finally got my money back. After tons of anxiety, stress, and sleepless nights, I was relieved to have my much needed money back. Im unemployed due to my illness and that fixed income isnt much and I have a family so every dollar counts. The moment I finally felt relieved, I checked my account and to my surprise, they took the money I just fought for back. I did everything they asked. I provided confirmation numbers, contacted everyone, sent documentation and I won, so how can they take back the money without telling me? Once I called again SEVERAL times, then they informed me that the decision was made to take back the money. They blamed the merchant but they provided confirmation so it wasnt the merchant it was DIRECT EXPRESS. Theyve done this several times. Im losing trust, Im afraid to use cards now, my XXXX  is at an all time high, Im having sleepless nights AGAIN, Im unable to handle business due to lack of funds and stressing over being robbed of my money from a card company that I trusted. I still havent gotten my money back.
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 XXXX Account number ; XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 incorrect
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. 


Account name : XXXX XXXX XXXX  Account NumberXXXX Account Number : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

XX/XX/2020 I called police for being a victim of identity theft they go against me and send me to hospital forced shots and I'm in a data breach with XXXX XXXX XXXX XXXX and online college XXXX and student loans done not y me
Product: Credit card or prepaid card

XXXX XXXX  XXXX in XXXX, XXXX overcharged me {$160.00} on check out. Breakfast was included in room rate up to XXXX daily. However, I was inadvertently charge for breakfast separate from the room rate. Documentation has been provide to Citibank on 2 different occasions. Recently on XX/XX/18 but on XX/XX/18 they stated they did not get what they wanted. All items will be uploaded on this complaint so they have them for a third time.
Product: Credit reporting

I tried to get my free annual report online tonight from Equifax. It asked me various " ID verification '' questions and said my answers did not match what was on file so they would not give me my report. Based on the mismatch, I placed a 90-day fraud alert assuming someone gave them erroneous information pretending to me. Then I tried to get my free report for placing a fraud alert. Again they would not provide it since my answers did not match their records. This is foolish of them since that is what one might suspect if someone fraudulently gave them erroneous information pretending to be me!
Product: Debt collection

I have an account that was placed with Midland Credit Management for an XXXX credit card. On XX/XX/2017, I set up an arrangement with Midland to pay off the debt via an automatic charge of {$9.00} per month for 120 months. I have the letter here stating that they agree to these terms and conditions. 

I receive on average 4-6 calls every day concerning this debt from Midland Credit Management. It has surpassed the point of harassment. 

Today, I decided to call back and ask, " What do you want!? ". I was informed by my " Account Manager '' that my account was in the pre-legal status and that he would not guarantee that my account would " stay in his department '', which one would only assume, based on the stated status of my account, that it would be transferred to their legal team or a lawyer. I asked him if he was stating that they were no longer willing to accept my written agreement, and he stated he would not confirm nor deny, but that my account was in the Pre-Legal status and the only way that I would be guaranteed that it would not be sent to another department is if I made minimum {$100.00} per month payments. 

I consider this a threat to pursue legal action on an account that I am actively paying on, and am also harassed by them on a daily basis. 

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced my mortgage account with 53Bank and my first payment was scheduled to happen on XX/XX/2020. 

I wasn't aware automatic payment was already set in my account so I initiated a manual payment on my side for that month resulting in an overdraft in my account because of the additional payment. I called 53bank " customer assistance '' number and they supposedly helped me to correct the error. They were not clear in informing me exactly what they were trying to do to resolve my problem so instead of just helping to correct the error with the additional payment and reversing the corresponding overdraft fees, they reversed the 1 good first payment that had already posted to my account. This resulted in 53Bank reporting to credit bureaus they never received my first payment and being late more than 30 days. Now they are saying this wasn't a mistake on their side but instead suggesting it was my mistake because I requested them to reverse it which I don't recall doing. Again, I am calling them because they are supposed to know how their system works and how to better assist me and advise me but instead they are just washing their hands right now and saying there is nothing else they can do about it to help me eliminate that error from my credit report. 

My attachment includes the detail I can see in my account showing 2 payments being reversed in XXXX instead of just 1.
Product: Credit reporting or other personal consumer reports

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make my mortgage payment on XX/XX/2023, through my mortgage companys app. The app only recorded a portion of the payment, and failed to record the payment in full. I was notified on XX/XX/2023 from my credit bureau that the mortgage company reported a late payment to the bureau. At that time, I simultaneously called my mortgage company, and logged into my app and made another payment. The representative for the mortgage company requested that I email an appeal, explaining that the app failed to record the payment, and to request that the late payment be removed from my credit record. I did so. I recently received word from the mortgage company that they will not remove the reported late payment, even though I paid the proper amount on time, and their app failed to record it.