23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company other than the original creditor collecting on a debt that is not mine. I contacted the original creditor and they have no knowledge or records of me ever living in their apartment complex. I have problems renting apartments because of this matter. The company who I rent for now took the liberty of verifying to the original creditor if I ever lived in their property and they told them no also. 7 years ago this same debt was removed from my credit report and this same company somehow managed to have it reported back to my credit report and updates its monthly so that it could remain on my credit file longer than allowed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I am requesting that the following account and inquiry, which have been compromised, be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected account is as follows : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, I request the removal of the following inquiry, which is associated with the compromised data : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used Zelle with the added protections feature to send money to someone ( {$1300.00} ). I paid extra for fraud prevention and they assured me that they checked the identity of the other party before allowing the other party to access the funds using this additional feature they offered. The money was taken by someone who was a scammer and the company did nothing. They did not do what they promised in our agreement and they would not cooperate with the investigation of getting me the appropriate documents to give to law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2020, I have been contacting Capital One to let them know that they closed my account in error. Every representative that I have spoke to tells me something completely different. I have went through so much pain and agony with all of the thing Cap 1 has tasked me to do just to turn around and deny me credit and the reopening of my consumer credit account. I have repeatedly let them know that whatever was sent to them stating the account was fraud or not mine, wasn't someone I, XXXX XXXX sent them. Capital One states they found that the documents sent by a 3rd party ( not me ) was valid. How can that be when the information never came from me, XXXX XXXX. I did not allow any XXXX party to submit documents on behalf to close my Cap 1 account. 

Capital One has had data breaches where account information was accessed. I feel as if I am not only a victim of the denial of credit with Capital One but I am also a victim of the data breach as well. I, XXXX XXXX, the consumer, am asking for a resolution and the reopening of my original Capital One account. 

Please see info for the Capital One Data breach. I have contacted the CEO several Times. I will now contact the CFO. 

Capital One Bank has announced that the highly sensitive financial and personal information of more than XXXX XXXX banking and credit card customers was accessed and stolen by an outside hacker. The XXXX  XXXX reports that the alleged hacker has already been arrested by the FBI. Capital One Banks failure to protect this data is an unacceptable breach of customer trust, and XXXX XXXX XXXX is working to hold the bank accountable and to seek compensation for those affected. Contact us right away to find out if you are eligible to join a class action against Capital One. 

At this time, we know that the following types of personal and financial information were hacked : Bank account numbers Social Security numbers Credit card applications, including income figures, home addresses, and dates of birth At this time Capital One is denying that credit card numbers and online log-in information were exposed. The FBI says that the hacker intended to distribute the stolen information, and it is currently unknown if they were able to do so before being arrested. 

This is what has happened, and when I am letting Cap 1 know that there was something sent to them in error, they believe it is not possible. If someone can steal and access my Capital One account information than surely someone is able to send paperwork acting on behalf with wrong information. I NEVER sent Capital One any information claiming the account as fraud.
Product: Credit card

My family member transfered her Chase reward to me years ago, so there is a link between her chase credit card and my Chase sapphire preferred card ; under Chase rule, there is only one link allow, so no one else can transfer their Chase reward points to me. I called Chase trying to break this link so others can transfer me points, but Chase said the only the original sender can call Chase and request to break the link. But the original sender called chase credit card Chase can not find her card info because she closed her Chase credit card years ago. And Chase refused to escalate or do anything to remedy the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Final Request for Deletion of Inaccurate Charge-Off - Account- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was cancelled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law. 
I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your prompt attention to
Product: Debt collection

THIS COMPLAINT IS AGAINST Specialized Loan Services, LLC and XXXX  XXXX XXXX. 

On XX/XX/2019 XXXX XXXX XXXX, XXXX sent a notice that they had assigned, sold or transferred our Home equity loan to XXXX XXXX XXXX. Specialized Loan Servicing, LLC Specialized Loan Service handles the billing. 
ISSUE : We have had many conversations with customer service and XXXX to no avail. We have not had any billing from them to this date even though a review board approved sending us statements. They had us sign a request for statements on XXXX XXXX ( Electronically ) per XXXX in their Home Equity Department. XXXX XXXX XXXX XXXX XXXX-XXXX ( MT ) See reference # XXXX The first payment they asked for was not correct and they considered it a partial payment {$800.00} then asked for an additional {$87.00}. Our online account still does not reflect our XXXX payment {$880.00} even though they put through our check. Now they are asking for {$790.00} ( approximate ) figure no billing. I need them to send monthly bills and I will send a payment. Customer Service personal do not give the same answers to our questions. 
I will not be sending payments to a company who can not get the distribution of payment correct or answer correctly our questions about our payment history I want a monthly statement prior to sending my payments,
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

When I had an appointment with my local bank, a representative told me about a new credit card they offer called PNC XXXX XXXX that had a promotional offer where if I spend XXXX $ during the first XXXX months of opening the account, I would receive XXXX $ in bonus points that can be redeemed for statement credit. 
I did end up spending XXXX $ during the first XXXX months. However, XXXX  months later after opening the account I still have not received the points in my account. I've been getting the run-arounds with different representative over the phone and in person typically always saying the same thing like " We'll look into this. '' and " We'll get back to you on that. ". I have evidence, screenshots and audio recordings, of them confirming that I would get the bonus. I would not be going through all this trouble if I was never promised this and without having the evidence to back it up as well. 

I was falsely advertised as of now still unless they make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit profile and noticed several inaccurate accounts that are fraudulent reporting on my profile below are the following fraudulent accounts : Transunion : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Subject : Notice of Dispute and Cease and Desist Dear AmSher Collection Services, I am writing to formally dispute the debt referenced in your collection notice dated XXXX, associated with XXXX. I do not recognize this debt and request verification of its validity under the Fair Debt Collection Practices Act ( FDCPA ). 
Additionally, I hereby demand that you cease and desist all communication with me regarding this matter, except to provide written verification of the debt or to inform me that collection efforts are being terminated. 
If you fail to remove this collection from my credit reports, I intend to hold you liable under the dispute resolution clause in the original agreement with XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I called today. Tried to explain her about this bill, you guys mailed me. She was very rude. Before I finished explaining her, shed say bay to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

citizens bank auto loan is still showing on my credit report, this account was settled and an old account. It is XXXX XXXX XXXX, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.
Product: Credit reporting or other personal consumer reports

there is a foreclosure reported on my credit report and other content is coming back as verified without proper investigations lots of derogatory marks inquiries and unknown accounts all three bureaus ' Equifax, Experian and Transunion
Product: Debt collection

The amount isn't correct my ex didn't paid the amount I try to paid the amount in full they kept saying that my Bank card I was trying to pay my balance off with didn't go thru on 3 different occasions so I couldn't pay the balance off in XX/XX/2018 the balance was {$310.00} at the time now its {$700.00}.
Product: Vehicle loan or lease

I do not remember the exact date, but it was in XX/XX/year> that I received a call from Navy Federal Credit Union that stated that my account had been compromised. I told them that I did not apply for any auto loan. I decided to check my credit report, with so many scams going on, and there it was, a {$26000.00} auto loan. I then called them back to file identity theft and asked for evidence that I applied or this loan. I never received anything. I have worked so hard to build my credit and this happens. I would like for this to be removed from my report due to the nature that I did not authorize them to pull my credit not report anything to my credit. 15 U.S.C 1592 c states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the collector shall not communicate further with the consumer with respect to such debt. 

Navy Federal Credit Union Account # XXXX Auto Loan amount {$26000.00}. 
There are also inconsistencies on the reports. 
Everything must be consistent on all three credit bureaus. I have attached the information.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I noticed some inaccurate accounts reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last 4 SSN : XXXX XXXX : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that fully intent to pursue litigation in accordance with the FCRA to enforce my rights and see relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of your first investigation and subsequent reinvestigation you stated in writing that you verified that these items are being report correctly. Who in your company verified these accounts are mine? How did they verify them? You still have not provided me with the name of the individual, business address, and the telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETED all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for ( Section 616 & 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts list below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 



Name of Account : Account Number : Provide physical Proof of Verification : XXXX XXXX XXXX XXXX XXXXXXXX. UNVERIFIED ACCOUNT XXXX. XXXX XXXX XXXX XXXX. XXXX UNVERIFIED ACCOUNT XXXX. XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. UNVERIFIED ACCOUNT XXXX. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT Thank you, XXXX XXXX
Product: Debt collection

Once again I'm sending a complaint in for Experian Information Solutions about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by Experian Information Solutions to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by Experian Information Solutions. Please remove all XXXX XXXX account from consumer credit report information. According to FDPCA, Experian Information Solutions violated 15 U.S.C 1692 ( c ).
Product: Checking or savings account

A {$2000.00} transaction was made from my account using XXXX XXXX late XXXX XXXX.I did not authorize this transaction. I have NEVER sent money via XXXX XXXX, this is the first time in years that Ive had my account, an XXXX XXXX transaction was made. 

I contacted XXXXXXXX XXXX but bc it can from my card they directed me to contact my bank. Contacted my bank XX/XX/2020 to dispute it. 


They said the reason they closed it was because I was logged into my simple account and I recently funded my account. I fund my account when a client pays me which is often and not unusual. I did so around XXXX that day, but I was not logged in near midnight to make the transaction. Large transactions like this are not usual on my account. They then closed my dispute with no proof. When I requested proof they said they would send it but that was almost XXXX weeks ago. I have contacted them XXXX since and have heard nothing back.
Product: Credit card or prepaid card

Billing dispute confirmation number XXXX, amount {$18.00}, XXXX. Dispute filed XX/XX/2018, per the email confirmation from Capital One, a temporary credit is supposed to post within ten days. Ten days has passed and a temporary credit has not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX Date XX/XX/2020
Product: Checking or savings account

My name is XXXX XXXX and I deposited a payroll work check the date I got paid in the amount of {$1000.00}. Bank of America automatically placed a hold on my account which I understand because the first payroll check got returned. But not this time the XXXX XXXX XXXX ( which is my employers bank ) has already given XXXX XXXX XXXXXXXX the funds from the amount of the check and there is still a hold on my account. They won't and haven't released the funds to me for which they already have gotten the funds from the sending bank and I am in need of the funds because I need to pay my bills and rent before I'm put out into streets and homeless. The date is XXXX XXXX from mobile check deposit in amount of {$1000.00} and the employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have put the hold on until XX/XX/2021 at XXXX XXXX. they still won't release the money to me even though they have the funds and the check will be cleared
Product: Debt collection

i received a call today for a payday loan that was not paid in XX/XX/2014 stating that if i did not pay the amount in full that a warrant would be issued for my arrest. these people were rude, offensive and very threatening. The name of the company was ezmoney payday loans. Better known as EZcorp. This outstanding debt is currently awaiting my bankruptcy to go through. I have also not heard from this company once. IT ALSO APPEARS THAT THIS COMPANY HAS BEEN SANCTIONED BY THE GOVERNMENT TO NOT COLLECT ON ANY PAST DUE LOANS