23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am homeless and just won my ssdi case I've been fighting for 4 years in which I almost took my life XX/XX/XXXX, I have lost most of my possessions, friends and family. I've been living out of my car for the last 5 months with my emotional support animal. I just finally recently received my ssdi back payment which was alittle over XXXX. I was going to use this money to secure my life but now that venmo has banned my account and are withholding my money knowing my situation which I told them as well as my banker told them and this has put me into a XXXX XXXX  in which XXXX XXXX XXXX XXXX XXXX  on. So needless to say venmo is with holding my government earned ssdi back pay for 180 days saying I violated its user agreement yet they refused to tell me what I violated and I did exactly what the lady I talked to XX/XX/XXXX told me to do which was to transfer the money put of venmo when I receive it. They now say it's a done deal and I can't dispute nor I or any can contact them on this matter. This is inhuman given my situation and the fact that I won my case for ssdi and this is the money from that and has put my life not just on hold but at risk. I need to have this resolved from professionals and got suggested to inquire on here for help.
Product: Checking or savings account

I received an email from Frost bank stating my application to open an account was declined. I immediately reach out to the bank and was advise to make a police report for identity theft.
Product: Debt collection

Hello, I filed a complaint against capitol one XXXX XXXX card ( original complaint at bottom ) at the start of the new year. This was with you all, as well as the XXXX XXXX XXXX. They quickly responded with the XXXX that this issue would be communicated with the CFPB, and it would be resolved swiftly and with ease. 

However, my last update was from XX/XX/XXXX and since then I receive nearly - daily phone calls, texts of voicemails and voicemails from the company, debt collector XXXX. XXXX has grown so aggressive as to leave me profane, abusive and ugly voice mails which have sometimes been so nasty as to be illiterate. 

The company has sent me counselor extensions and resolution opportunities, but when I have called I have received dead links, wrong extensions or otherwise inappropriate methods of communications. Every conversation I have had trying to resolve the issue ends with threats, strong arm tactics, general co - ersion or just XXXX XXXX XXXX. 

I am quite frustrated and quite unsure of my rights and options. Any assistance in the matter is appreciated.

********** original complaint *********** Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : None Provided Fax : None Provided Email : XXXX XXXX XXXX XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Complaint Details Capital One XXXX Rewards Card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. payment processed by XXXX on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX holiday, declined. Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer with either a consistent track record or complying with creditors. 
My complaint concerns : a Credit Card Desired Outcome/Settlement Desired Settlement : Billing Adjustment Acceptance of previously posted ( 3x ) payment. 
Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Purchase Date : XX/XX/XXXX XXXX XXXX  Salesperson : None Provided, XXXX Complaint Details ( cont. ) Product/Service : Credit Card Payment Scam Model # : XXXX Account # : XXXX Order # : None Provided Purchase Price : XXXX Payment : In Full Debit Card Disputed Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Has violated my rig

hts 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 an 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 conviction, or crimes, which antedates The report by more than seven years. 15 U.S.C. 1681 S-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 information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes to Experian in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with XXXX. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. Experian refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for XXXX. On XX/XX/XXXX XXXX responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my Experain and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that XXXX send to the CFPB. Obviously XXXX lied again did not correct there mistake even though they said they did. Experian wont let me dispute the XXXX account as they say I have already disputed it. I am also attaching a copy of my Experian credit report dated today XXXX which clearly shows the inaccurate balance for my XXXX account. Please CFPB look into these violations of the FCRA!
Product: Debt collection

I received a letter on XX/XX/2021 from American Coradius International LLC stating that I owed XXXX XXXX a debt of {$1200.00}. I have never made a purchase of this amount using XXXX and I need this to be disputed. I do not have a XXXX account and I have never made one before.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX inconsistent and inaccurate reporting of my account across multiple credit bureaus. Specifically : 1. On some credit bureaus, the account is reported as Paid as Agreed, Never Late, while on others, it is reported as a Collection.

2. There are discrepancies in the reported amount owed, account status, and other key details, such as missing information or differing dates. 



These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. The inaccurate reporting negatively affects my creditworthiness and causes confusion. 



I request that XXXX and the credit reporting agencies correct these discrepancies to ensure uniform and accurate reporting across all bureaus. Attached, I have provided : 1. Copies of credit reports showing the discrepancies.

2. Any available documentation supporting my case. 



I request the CFPBs assistance in resolving this matter and ensuring compliance with the FCRA. Please confirm receipt and provide updates as the investigation proceeds. 



Thank you for your attention to this issue.
Product: Debt collection

I am submitting a formal complaint against Capital One regarding an inaccurate and outdated collection charge-off reported on my credit file. Below are the relevant account details : Creditor : Capital One Date of Account Opening : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Despite my previous disputes with the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX they have failed to take appropriate action. Furthermore, Capital One has not provided proper verification of this alleged debt despite my requests, in violation of both federal and Texas state laws. 

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), consumers have the right to request debt verification. Capital One has failed to provide this verification but continues to report the debt.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must remove or correct any information that is inaccurate or can not be verified after an investigation.

Texas State Violations : According to Texas Finance Code, Section 392.202, consumers have the right to dispute any inaccurate or incomplete debt reporting. Creditors are required to validate the debt or cease reporting it.

Furthermore, under Texas Civil Practice & Remedies Code Section 16.004, the statute of limitations for debt collection is 4 years. The original delinquency for this account dates back to XX/XX/XXXX, meaning this debt is time-barred and no longer enforceable under state law.
Product: Money transfer, virtual currency, or money service

Was contacted through XXXX They claimed to be my teacher They claimed I would receive a large payment if I invested small amount of money with XXXX. 

This what they opened with XXXX app in conjunction with The XXXX company with gift card for bitcoin spinning, presently they are giving out money to help people by this period of pandemic ... To benefit from this you have to trade with them using giftcard or making the payment through XXXX app for trading and get your winnings immediately after verification. 

So if I invested {$1000.00} I would receive {$12000.00} back. 
Toward the end they wanted verification from my XXXX to link my payment with ads on XXXX Ok now go to your XXXX settings Click on security and login, click on use two factor authentication code Click on the option to register text message Register text message with your phone number. 
Your payment has to be attached to your page just like ads
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX XXXX inquiries from consumer report. Please see attached letter from XXXX XXXX XXXX
Product: Credit reporting 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Capital One is reporting that I am dead. It first was on XXXX, I file a dispute with them, now they sent it to the other 2 major credit bureaus.I am not dead, this has cause my credit to go into a N/A status. This needs to be address asap, as I am a veteran and trying to get housing and they ran my credit which has me dead!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes.

Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading.

In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$40.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year>- The following inquiry was not authorized and should not be reporting.
Product: Student loan

MOHELA incorrectly billed me for {$410.00} while my account was in administrative forbearance while they processed my IDR request. I first called on XX/XX/XXXX and spoke to a representative named XXXX. She assured me that the payment listed on the account was not in face due and the payment amount will automatically adjust " soon ''. After a month of waiting, I received a notice from the Department of Education that MOHELA had reported a missed payment to them. I called again on or about XX/XX/XXXX and spoke to a representative named XXXX who transferred me to a representative named XXXX. I informed her about my previous discussion and she took a similar line as to what I was previously told ; that the computer system is updating and the charge will be removed " soon ''. She further assured me that the late payment will not be reported to a credit agency. Today XX/XX/XXXX I have received an email from MOHELA demanding that I pay the amount that their phone representatives tell me is not due. I want a real assurance that this payment is not due and I want MOHELA held accountable for their inept and frankly predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$1200.00} ), XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

Credit Acceptance claims that I never utilized the service contract for the vehicle, while not acknowledging that they refused to extend the Service Contract to a XXXX XXXX. 
https : //www.dmv.org/ut-utah/automotive-law/lemon-law.php Utah Lemon Law Utah has a lemon law to protect you in case the new car you buy or lease is so seriously flawed that it can't be repaired ; in other words, if it's a lemon. It's very rare, but it happens. 

Basically, the Utah lemon law allows vehicle manufacturers a number of attempts to repair your new vehicle 's defect or malfunction before they'll need to either replace the vehicle or refund your purchase. 

On this page you'll find an overview of the Utah lemon law, the criteria a car must meet to be classified as a lemon, and the steps you may need to take to remedy your issue.

Protections Under the Utah Lemon Law The New Motor Vehicle Warranties Act applies to new cars and motor homes under warranty in Utah. Used vehicles are not protected under the Utah lemon law. 

Under the law, the buyer is entitled to a refund or replacement if the vehicle meets all of the following criteria : The vehicle must have been bought in Utah. 
It must be new and under warranty. 
It must weigh under 12,000 lbs. 
The defect must " substantially impair the use, market value, or safety of the vehicle. '' The manufacturer must have tried to resolve the defect at least 4 times OR the buyer must have been unable to use the vehicle a total of 30 days, whichever comes first, during the first 12 months of the warranty. 
The defect must not be caused by owner neglect, abuse, or unauthorized vehicle modifications. 
The buyer must adhere to the manufacturer 's informal dispute settlement or arbitration procedure, if there is one. 
Many manufacturers use the XXXX XXXX XXXX Auto Line as an informal dispute settlement service. Contact your vehicle 's manufacturer or refer to your owner 's manual for details. 
NOTE : Be sure to keep records of any vehicle service orders, receipts, or correspondence you may have had with the vehicle manufacturer or the authorized dealer/service facility that has worked on your car.

Filing a Lemon Law Complaint in Utah
Product: Debt collection

I was charged a collections fee of {$650.00} from Conserve from the XXXX XXXX XXXX XXXX These charges they explained were from housing charges even though I never attended the university. I planned to attend the university all the way back in XXXX  but after they took away my scholarship for no reason, I decided not to attend because I could not afford it without the financial aid they promised me. Since I decided not to attend they charged me housing fees and late fees for their university and put them on my school portal that I had created when I planned on attending. When I decided not to and gave them notice that I would not be attending in the fall ( and quite frankly had a very sour taste in my mouth about the university ) I did not log into my portal anymore. 2 years later, I saw a huge drop in my credit score and I discovered it was due to this issue that I had all the way back in XXXX where I was treated unfairly. I have tried discussing the matter with XXXX themselves and have only gotten in touch with one person. When I spoke to him he said he was going to help me handle my case and said he would call me back the following week. I never got a phone call, I tried to call and email several times and never got a response back. I have also attempted to dispute it through the credit bureaus and that was unsuccessful. I even started thinking maybe I will just borrow {$650.00} from someone to be able to pay this off even though I do not feel like I owe them ANYTHING just so I can get it off my creditbut my credit advisor informed me that even if I do that, the company conserve does not completely remove it off my credit so therfore, it would not benefit me. She advised me to this option as a last hope effort. PLEASE help me resolve this and get this issue off my credit so I can get my score back to where it was ( almost 800! ) thank you!