23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This matter centers on a credit card I had with Capital One which I had paid off in XXXX. 
Some time later, I learned Capital One was reporting a balance owed. Cpaital One and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from XXXX XXXX XXXX, XXXX ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that XXXX XXXX XXXX are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, four days following receipt of their letter, I sent a validation notice response to XXXX XXXX XXXX via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at XXXX XXXX XXXX on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXXXXXX XXXX on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to XXXX XXXX XXXX sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent. 
2 ) Validation of the basis for the debt. 
3 ) Provide a copy of the last billing attempt by their alleged client. 
4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that XXXXXXXX XXXX XXXXXXXX have a debt collection license in the State of California. 
6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, XXXX XXXX XXXX XXXX has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in Superior Court ( Superior Court of California , County of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the XXXX of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a debt collection letter from XXXXXXXX XXXX   XXXX  in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies ( Equifax, XXXX   XXXX ). XXXX and XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, Equifax has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. Equifax is the only company that has refused to remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX  account number XXXX has violated my rights. 

15U.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.
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been an incredibly stressful and upsetting experience. My personal information was used without my consent, resulting in unauthorized accounts and transactions appearing on my credit reportaccounts I have no knowledge of or connection to. Taking immediate action, I filed a report with the Federal Trade Commission ( FTC ) as advised by Equifax and submitted it in hopes of resolving the issue and having these fraudulent items removed. Despite my efforts, these false entries remain on my credit report, continuing to affect my financial stability and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am totally and permanently XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX weeks, 4 months earlier than I should have. I have XXXX, an intellectual learning XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and am XXXX XXXX The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that do not belong to me.
Product: Money transfer, virtual currency, or money service

I am filling 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 process 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 financial loss, and I seek appropriate redness for these violations.
Product: Checking or savings account

On XX/XX/XXXX I made the request to have my funds that were deposited into my account withdrawn and yet I was denied at the teller. Prior to me proceeding to the bank I called the fraud department to make sure I was able to withdraw the funds and I was told I would be able to. Upon my arrival to the bank to my surprise I was told I am unable to withdraw the funds due to the claim I submitted for fraudulent activity. I had to submit an extension that will take up to XXXX business days. We are now on day XXXX and I am behind on my rent due to my funds being withheld and me not being able to withdraw. It is unacceptable that bank of america does not want to be liable for the funds that were fraudulent taken out of my account and that is fine. However my hard earned money being withheld is where I draw the line. I have spoken to over XXXX customer service reps and all have told me numerous different things. Some say my account is active and open and I can walk into a branch and withdraw my money. Others say I am unable to my account is closed. It has been a rollercoaster and all I want is to be able to withdraw my direct deposit of a small amount of {$630.00}. It is absolutely insane how the lack of empathy and sense of urgency the supervisors and managers I spoke with to resolve this. Nobody has attempted to try and find a solution. I am now on a risk with my rent due to the funds that are mine from working being withheld. Not to mention bank of america reached out to me because of my complaint with the cfpb and have not since returned my calls or answered any of my voicemails. It's very disappointing being a member since XXXX.
Product: Credit card

This case will open again with a new complaint because the company hasn't answered my questions. 

1. To resolve my first complaint ( submitted on XXXX XXXX, 2024 ), I called the company. A representative ( a woman ) shouted at me with such brazen words : " I won't answer your questions. Instead, you should answer my questions only with a 'yes ' or 'no '. '' Such a manner demonstrated no respect for customers. She should understand that their customers have the same human dignity and honor as she has. Her ignorant, rude, and unprofessional attitude towards me is unacceptable. I charge this conduct. The company should not hide this issue and must answer my charges. 

2. The company shifted the central issue in the written response. It's about closing my account. Rather than answering, they talked about fees and interest rates. A response such as this shows they are insincere, unethical, unprofessional, incompetent, mindless, or utterly idiotic. In such a manner, they demonstrate disrespect not only for me but also for the Consumer Protection Bureau. This disrespectful behavior needs to be held accountable. This company should answer this matter -- why did you shift the issue? 

3. They stated in their written response to my second complaint ( submitted on XX/XX/year> ) that they were allowed to do whatever they wanted by law even with no reason. As I stated, they abuse the laws, and they have no reason to close my account. I requested to see the third party. I want to be clear about my point. It is the company, not me, who gets approval from a third party regarding their conduct as such, and shows it to me. 

4. It is usual practice that once an account is closed, the balance should remain at the same level as the closing date without adding interest and fees. However, the company deliberately abuses me by imposing more fees and interest. This balance won't be paid until this dispute settles. 

5. The company has demonstrated its rude manners to customers, its incompetence to focus on the issue, and its abuse of the law and customers. Now is the time for them to answer my complaint point by point ( as listed in XXXX points above ) with sincerity and honesty, with which both sides may reach an agreement. 

I have spent my time offering free education for this company on how to respect their customers, and how to answer their customers ' complaint point by point, etc. Which side is right, let the public determine it.
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX I : No Account Number Given
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I financed a car from XXXX XXXX XXXX  XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company Santander Consumer USA. After disputing and contacting them I was informed XXXX XXXX XXXX  XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called Santander  and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information from XXXX, XXXX, and Equifax on my consumer report. This inconsistent and harmful reporting from these Bureaus has impacted my score making it hard to get the credit I so desire. I have suffered emotional distress, humiliation, and hardship. The continued presence of incorrect information has negatively impacted my credit standing and caused undue frustration. 
I want to highlight that this matter is similar to issues raised in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, where the CFPB alleged that XXXX failed to accurately report credit information and address consumer disputes effectively. This pattern of behavior is concerning, as it reflects systemic problems that have now directly affected me. Not to mention errors and inconsistencies, which violate the 15 U.S.C 6802 and the Privacy Act of 1974 Attached is my consumer report. I have highlighted the inconsistences of the report on each bureau. 
Under the Fair Credit Reporting Act ( FCRA ), these bureaus are obligated to ensure the accuracy of consumer reports and to investigate disputes thoroughly. I am requesting these Bureau to remove ALL inquiries charge-offs, non-mailable addresses, and wrong names. For the inconsistencies and wrong information, I want XXXX from each bureau due to my pain, suffering, and humiliation. I also want to mention that it is ILLEGAL to report transaction history. 
Please treat this letter as a formal notice of dispute. I expect a respond within the legally mandated 30-day timeframe. If these issues are not resolved promptly, I am prepared to escalate the matter to the CFPB and pursue further legal remedies if necessary. 
Thank you for your attention to this matter.
Product: Student loan

My loan has been active since 2012, in that time I was guided into long term forbearance and into changing the loan multiple times to make payments. Had I known that you could constantly make XXXX payments the loan would be considered paid in full I would not have changed the loan. Over the years I have called Great Lakes multiple time asking questions and trying to find out the best option for my future. They guided me into changing my loan type multiple times ( each time the loan is changes the clock resets! ) I called yesterday and found out Im on a plan to pay off in XXXX XXXX I feel like the information Great Lakes was incorrect and troublesome. Because of their poor guidance I will not be finished with my loan for XXXX more years.
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 XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

XXXX HARD INQUIRY ON XXXX I didnt Recognize
Product: Mortgage

I am trying to get a principal reduction for my home and have not been able to get it resolved and I need to in order to bring this matter to a resolution.
Product: Debt collection

This is a repossession that was done in 2018. The car dealer has sold the car and gotten the car full balance paid off. This account is still reporting on my credit as an open car loan.
Product: Credit card or prepaid card

on Wednesday XX/XX/2021, an individual informed me about another government extension that people are receiving, and he wanted to know if I had gotten it yet .this person apparently received their extension of XXXX and I could too.of course times are hard so I wanted to know how to get this extension. 
This individual proceeded to tell me about this agent that helped him get his money. All I had to do was give this person permission to give my phone number to this " agent XXXX '' and would contact me. 
Within seconds agent XXXX contacted me. 
Agent XXXX took down my information and before I knew it he took all the money I had on my XXXX  card, almost XXXX dollars. 
He tried to blame bank of america. 
Then he said that I had to wait 5-15 days until I see any money In my account. 
He changed my passwords to my XXXX  and bank of america accounts so now I can't access them. 
I called XXXX and told them what happened and they kindly helped me calm down was so upset. They froze my card and account so no further transactions would take place and sent me a brand new card that showed up fast within 3 days. Then they transferred me to the fraud department. Thank XXXX they helped me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed several inquiries on my credit report which I did not authorized. On XX/XX/XXXX I contacted all the creditors and Equifax filed complaints and file FTC report # XXXX, however the following inquiries have not been removed/deleted. These inquiries are holding me back from gaining financial confidence to purchase a home. 

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

Transunion has violates my rights according to XXXX. XXXX XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding 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: Debt collection

Today, XXXX XX/XX/2021, I was notified by a family member who has my previous phone line via text messaging communication. The National Recovery Agency ( XXXX XXXX XXXX XXXX, PA XXXX ) is unethically sharing Personal Identifiable Information to a number I no longer possess. This act is immoral, unethical, and a threat to my security and identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect " Collection '' on my credit report from XXXX XXXX collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX  REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted XXXX on XX/XX/XXXX and EQUIFAX to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told XXXX that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. XXXX refused to remove it. EQUIFAX also refused to remove it. 
XXXX XXXX stated 2 DIFFERENT AMOUNTS -- $ XXXX and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.