23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX  XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out XXXXC as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of CAPITAL XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I called the company many times and tried to dispute. I informed them that according to the FRCA, these unauthorized items must be removed.
Product: Vehicle loan or lease

I purchase a car so I thought I was financing a car and It turn out to be a lease. I have a buyer agreement paper work. price for the vehicle was {$15000.00}. I give a down payment of {$1000.00} which made a balance {$14000.00}. My payment per week was {$98.00} weekly tax was {$10.00} I dont knw wht percentage this company used because on the state PA sale/used tax is 8 %. which made the total {$100.00}. In XXXX the car was a total lost and the company is telling me I have a {$500.00} deductible tht I need to pay. I have been questioning this from the day they told me. this was not in the document this was sent from the Auto trakk. On my car it's showing that I own the car company and that's not true. the insurance company paid the car and what wasn't covered was paid from gap insurance. I paid {$16000.00} over the 3 years and 2mo. the company looked up the blue book value of the car and it was {$10000.00} ... and I had the insurance pay {$10000.00} after I already paid {$16000.00} when the agreement that was signed state the balance of the car is {$14000.00} after the {$1000.00}. The car was XXXX XXXX XXXXXXXX XXXX XXXX. I asked the Auto Track to email the balance that was due at the time of the total lost. the company said that its the amount is stated on the paper work and its not stated no where in the document I have. my credit report is not correct.
Product: Checking or savings account

My capital one bank checking and savings account withdrawals were placed on hold just because i received money through XXXX transaction from my friends. I have the explanation and also the contact number of the person sent, they told me that they couldnt verify and asked me to bring my friends with their valid id to one of the capital one XXXX to verify his and mine identification. Capital one XXXX is 54 miles from where I reside and its practically impossible for both of us to be free on our schedule to travel 54 miles just to get it verified.
Product: Credit card

have asked severals times to remove this account from my credit bureaus and still saying its mine and i have never had any of the accounts. i have not applied or gave them autorization to give anyone credit in my name the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020
Product: Credit card

XX/XX/XXXX - {$1600.00} XX/XX/XXXX - {$2700.00} XX/XX/XXXX - {$4300.00} XX/XX/XXXX - {$6200.00} We purchased furniture through Pottery Barn and the Capital One Program. Pottery Barn delivered damaged and missing furniture, as well as damaged our yard and walls with their truck on delivery. We have photos and videos showing the damage, they way the employees treated our items as well as the lack of correspondence from Pottery Barn and Capital One. 

We have received denial letters from Pottery Barns 3rd party associates in which we did not hire, denying they damage to our yard, wall and making multiple claims in which photos and documentation can be proved false. 

Upon making a request to share these documents with Capital One we have been declined to do so. So much that we had to record the call in order to prove that they were not allowing our documentation to be seen or heard. 

During the last phone call they let us know we were being recorded, we let them know they were as well. They said we are not allowed to record them, thus we asked that they did not record us and they stated that wasn't an option. We have requested the ability to upload documentation multiple times for the claim and have been denied. 

After spending thousands of dollars, broken furniture, missing furniture and damage to our home we are being treated no better by Capital One than Pottery Barn did.
Product: Checking or savings account

On XX/XX/XXXX I submitted a dispute on my cash app account as I seen money I had out there had been taking out the account. I contacted there customer service and they made me dispute each individual transaction from XX/XX/XXXX forward. I explained that my daughter was XXXX XXXX XXXX XXXX so I had seen transactions unfamiliar but was unable to dispute due to the circumstances. They insisted I filed each dispute seperate and so I did. Today I receive an email stating I made all but one transaction but they cant explain how I made all 7 transactions but 1. This is suspicious behavior from cash app and seems like a scam. They are also holding money from the residence in XXXX that was being held as a security deposit in XX/XX/XXXX. The funds have been released by the hotel but they fail to release my money. Cash app is allowing peoples funds to be stolen by fraudsters and will not refund the money stolen
Product: Credit reporting or other personal consumer reports

I opened up this account in XX/XX/2020, this was during the pandemic and as I had to make financial decisions as the prices of everything went drastically up. I tried to do my best contacted the company. Paid what was owed and they choose to close my account. 

Reporting to the credit bureau, Self Lender is whom I have know them to be. However my credit report with all XXXX credit agencies list different names. 
XXXX Credit Report : list SELFXXXX XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Credit Report XXXXSELF The balance listed on all XXXX credit reports shows different dates. I am not understanding why they are still updating and reporting on an account that is paid and not report any updates on the other credit agencies. It seems it a smear to keep my credit score down.
Product: Credit card or prepaid card

I am a Chase deposit customer and have been for quite some time. I keep getting preapproval offers for mortgage, car loan, etc., but I was not ready. My debit card has a XXXX XXXX image and a while back I noticed they had the same for their credit cards, so I applied ( I dont remember the date ). It was declined and I accepted it. I have since opened other credit cards without issue, including with XXXX XXXX XXXX whom I had previously included in my bankruptcy from 2003. I filed BK back in 2003 due to health issues and a car accident, which led me to not be able to meet all my finances. I have since learned to save, have proper insurance, etc. 

As a loyal Chase customer, I decided to apply again for the Chase Freedom XXXX XXXX on XX/XX/XXXX, but I was once again denied. This is through their automated system and it stated that it was due to my bankruptcy. While they provide an FCRA disclosure, I find this practice unfair and deceptive. They send pre-approval offers all the time, yet they decline when I try to apply. Not just that, but this is a BK from almost a decade ago. Others have extended credit to me, such as XXXX, XXXX, XXXX, XXXX, etc., yet Chase is acting like I am not worthy of them doing the same.
Product: Debt collection

1-2 calls per day. I have asked them to remove this number and have also emailed a request to ceases and desist. Refuses to answer questions or identify themselves.
Product: Debt collection

I am being sued for an old debt with XXXX XXXX XXXX  on the behalf of XXXX XXXX XXXX for {$850.00}. Apparently, XXXX XXXX sold my account to these debt collectors and now they have hired the law firm of ZarZaur & Schwartz, in the area I live in to sue me. I wrote and then sent a certified letter to both ZarZaur & Schwartz and the courts explaining to them I am currently unemployed and that's why I can not pay this debt. 

I offered to make some kind of settlement with the law firm but as of today which is XX/XX/2019, my offer was turned down. My court date is set for XX/XX/2019 and I was trying to this in a good faith effort to keep us both out of court. 

I told the young man I had spoken to over the phone, a XXXX XXXX, that I would accept their counter offer if I was allowed given time to pay it, it was refused. Basically from what I was told they expected the money within a short period of time ; I can't and would not agree to those terms. 

I think they are trying to collect on a debt that is at least six years old and the statue of limitations is either coming up or has past. I even asked about this and the young man I had spoken to couldn't give me a straight answer and wanted to turn me over to another department. I am XXXX, unemployed XXXX   with XXXX living with my mother who is also on a fixed income. 

I feel like this is a form of harassment and a scare tactic used to scare folks like me into paying them. I was basically told in another letter I received a few weeks ago that I may not only have to pay them but court cost as well. So, they have no sympathy at all for my plight, they just want to get paid. 

As I said, I am willing to work out a payment if the statue of limitations has not run out. But I will not commit to a payment plan that would make me pay them all the money within a 30-90 day period.
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
Product: Mortgage

- Foreclosed XX/XX/XXXX - There was an overpayment to the XXXX XXXX XXXX XXXX in the amount of {$8700.00}. 
- Attempts were made to get those funds returned to me, but to no avail beginning XX/XX/XXXX. 
- In XX/XX/XXXX I was informed the tax office sent a check to my mortgage company, PHH Mortgage/Ocwen Loan Servicing on XX/XX/XXXX. 
- I called PHH a few times in XXXX trying to get them to pay me back the overage, but no response, disconnected. 
- In XX/XX/XXXX a case was finally opened by PHH to try to locate the funds and pay them back to me. Every 2-3 weeks they call to let me know they're still working on it. Says they can't get in touch with the tax office, hands are tied. 
- I called tax office and check was never cashed. Gave me form, email to have PHH submit for reissue. They remind me to have them SIGN with a SIGNATURE, not a typed name or it won't go through. I fill out the form FOR them, in RED telling them to sign. 
-Six weeks later, they submit... but they don't sign it and change my current address where check should go to the foreclosed property address. 
- It has been six more weeks, and counting... they claim they are waiting for someone in THEIR tax office to sign the form and resubmit. It's {$8700.00}. 2 years/5 months. Unacceptable, deceptive. 
- The tax office also informed me that PHH absolutely knows how to get in touch with them because they have called/emailed many times trying to get the payment issued TO THEM ... still, while telling me their hands are tied because they can't get anyone at the tax office. 
- They are not acting in good faith and can not provide any reason why this is taking so long, so I can only surmise they are attempting to redirect the payment to themselves again or just being cruel by preventing me to gain access to the much needed funds that are legally mine. Whatever the reason, they should not be allowed to get away with this.
Product: Credit card or prepaid card

In XXXX of XXXX, was charged duplicate transaction, and received notification by email alert from credit card company Capital One, promptly followed their process to initiate a dispute to try to resolve it via their website. 

In XXXX, I have been unable to check the status of that dispute, because after returning from a lengthy trip to the former XXXX XXXX member states including XXXX and XXXX, I changed my residential address and other such details. 
As per the cardmember agreement, I promptly contacted Capital One to provide them these new details in good faith, and they responded by saying they had to transfer me to someone who could put them into the system. That person instead of being someone with the capability to do that, was in fact a fraud department specialist who decided to freeze or hold to my account in some way. 

I filed a prior complaint regarding that, and was contacted by the company to tell me of the steps they were taking to review my information and resolve the issues. 

However fast forward now to XX/XX/XXXX, and I have received an email letting me know that a statement is available, and showing a statement balance much higher than my own records and spending reflect. 
I am unable to make purchases on the card given this frozen status. I also am unable to view the statement on the website. And customer service is unwilling to send me a paper statement, or discuss what led to the roughly XXXX dollars in account balance. 

Since I have made no new purchases, I can only suspect that this is due to an error of some kind, unless someone else is making purchases on the account? 
However, due to the status of the account, customer service is unwilling to document my concern about errors or fraudulent transactons, and is unwilling to speak to me about what led to the new balance. 

They instead transferred me to a fraud specialist. Who was unwilling to document any new concerns. 

I am informed that they received all the requested identity documents, and they are still being reviewed. 

If I can not confirm why there is now a balance on the account, how can I in good conscience be expected to issue prompt payment for this roughly XXXX dollars that is allegedly due. No statements, and no communication from the company?? 

Although I am a patient person generally, and have waited several months for the company to finish reviewing the various identity documents they have requested and received ; I am now concerned their unreasonable demand for payment of roughly XXXX dollars ( in error? ) will result in harm to my credit score, and erroneous, and harmful information being submitted to the credit bureaus such as XXXX, XXXX, or XXXX. 

The company provides only a customer service phone number, and their customer service team is unwilling to respond to me on this issue.
Product: Debt collection

XX/XX/XXXX - Consumer called XXXX XXXX XXXX to dispute collection. Advised never open the account, didn't have their services and sent proof that I was using another provider at the time they claimed I was using their services. 
XX/XX/XXXX - XXXX XXXX XXXX text message consumer about debt with XXXX XXXX XXXX balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Checking or savings account

I received a letter from Chase Customer Service dated XX/XX/XXXX instructing me to call XXXX. I phoned and was informed that I needed to visit a branch to clarify some account information to do with XXXX coding. Sometime between XX/XX/XXXX and XXXX visited the branch and was helped by two employees, who took my information, worked with the account on a computer, and told me that the issue should be resolved. 

I did everything they asked but on XX/XX/XXXX I discovered the account had been frozen. I phoned and talked to Compliance and was told that I had to see a Banker in person at a branch to get the freeze removed. I then contacted and began working with XXXX XXXX, Assistant Vice President, Private Client Banker, in person at least 7 times in XX/XX/XXXX, XXXX of which were on the same day different times, and multiple phone conversations of which the last three were on XX/XX/XXXX, XXXX, and XXXX stating that we are so close to resolving this issue. 

As of XX/XX/XXXX the issue remains unresolved and the account is frozen. 

This account was opened and used continuously since XXXX of XXXX.