23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NRA Group , LLC of Nevada aka National Recovery Agency contacted me by way of text message on XX/XX/year> at XXXX on my cellphone without my expressed permission in violation of federal law. I notified them to stop using their system of notification. NRA Group confirmed receipt of my notification to stop on XX/XX/year> at XXXX and notified it would not contact me again. The company 's system did not unsubscribe my number in accordance with federal law. NRA Group , LLC contacted me by text again on XX/XX/year> at XXXX hours after being notified in writing not to. I again notified NRA Group , LLC in writing to stop on XX/XX/year> at XXXX hours, which NRA Group , LLC confirmed receipt of at XXXX hours. NRA Group contacted me again by cell phone text on Thursday XX/XX/year> at XXXX hours, and I notified to them in writing to stop at XXXX hours on XX/XX/year> and received confirmation receipt of the same from NRA Group at XXXX hours. NRA Group again contacted me by cell phone text on XX/XX/year> at XXXX and I texted them to stop at XXXX hours. They confirmed receipt of the same at XXXX on the same day. NRA Group , LLC again contacted me by cell phone on Wednesday XX/XX/year> at XXXX hours after having been notice to stop all contact. All events occurred in violation of federal law and in the State of Mississippi with the exception of XX/XX/year> which happened in Louisiana.
Product: Credit card or prepaid card

I started using my chime card on XX/XX/2022 when I received my first direct deposit from social security. Then on XX/XX/2022 social security deposited my check for XXXX. It never posted to my account. So, XX/XX/XXXX I called social security and they said that they deposited my money and that chime accepted it and gave me a tracking number. So then I called chime, they wouldn't help me or let me give them the tracking number then hang up on me 3 times. Then the 4th time I finally get someone who is willing to do there job. I gave her the tracking number, and she found it. Told me the amount and said it would be in my account by the end of the day. We'll, that never happened. I call the next day and the person wouldn't take the tracking number at first then did after I begged her to. She then tells me they can't find it and wouldn't give me a supervisor and hung up. How do you go from finding my money one day and then not finding it the very next day? I've never been treated so horrible in my life. Customer service my XXXX. They are thieves and I want to press theft charges. Cuz, they stole from a XXXX person. I even called XXXX XXXX and asked if I could talk to a supervisor or hire and they wouldn't let me. I was told that I'm chimes problem. Something is not right and I'm possitive I'm not the only person they're doing this to
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I attempted to load my account with XXXXUSD from my bank account. I was given the funds but was later told through email that my withdrawal from the bank failed and I had 5 days to pay. Well on XX/XX/2021 the funds were recovered from my account but they took far more than what I owed. I made a complaint I was receiving responses then its just been silence for the last week. I received an email stating that XXXX Cardano had been recovered for my debt. However when I checked my coinbase pro account I had 9 withdrawals from XXXX am XX/XX/XXXX. Four transactions were from my cardano for XXXX each. Another from Cardano at XXXX totaling over XXXX Cardano. There were four more transactions from my etherium. Two were for XXXX and another two for XXXX totaling XXXX ETH. My account has security which requires a verification number being sent to my phone in order to make withrdrawals. The email confirmation they sent matches the time exactly of the withdrawals. I only want whats mine and what i payed for with my own money. I understand that I had a debt that needed to be collected however far too much was taken from me.
Product: Credit card or prepaid card

I hired a moving company to perform our move from XXXX, XXXX  to XXXX, XXXX. The total amount of the dispute was {$18000.00} as the delivery company didn't deliver the items on the contractual date ( not even close ) also, when they did delivery it they only delivered 40 %, when the contract stated it would be all delivered on same date. The rest of our move took weeks and they breached agreement by putting our items in storage and damaging a lot of our items, which surpassed {$18000.00}. 

Citi didn't even investigate or discuss with merchant. They said over the phone that they would be reaching out to merchant and getting their side of the story ( which was false, as they stated after they never moved forward ) and never provided a reason. During this 1 month process, not a single email or phone call, and simply declined to investigate. I escalated to the executive team and they said I would have to deal with merchant - but hold on, what's the purpose of the credit card dispute process if the merchant doesn't honor their products and services.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Fraudulent Capital One Account & Unlawful Reporting To Whom It May Concern, I am submitting a formal complaint regarding a fraudulent account opened in my name with Capital One ( Account ending in XXXX ) and the banks failure to properly investigate and resolve the matter. 

Case Background : This account was fraudulently opened without my consent on XX/XX/XXXX, through an online application. 
I have never lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, nor have I ever used the phone number XXXX, which Capital One falsely claims is linked to me. 
I have already filed a police report regarding this case and provided Capital One with all supporting evidence proving that this account was fraudulently opened. 
Capital One forced me to make payments in XX/XX/XXXX by refusing to acknowledge the account as fraudulent, misleading me into recognizing responsibility for an account I never opened. 
Despite my dispute, Capital One has failed to remove this fraudulent account from my credit report, affecting my financial standing. 

Capital Ones Failure to Properly Investigate : Capital One sent me a letter dated XX/XX/XXXX, stating that they confirmed the account belongs to me based on public records, purchase history, and calls allegedly made by me. However, I have requested but not received any supporting documentation to verify these claims. Specifically, I requested : A copy of the original application, including IP address and device information. 
Proof of identity verification used to approve this account. 
Transaction records showing locations and merchant details. 
Recordings of the phone calls they claim I made. 
Proof of delivery for their Welcome Kit sent to an address that is not mine. 
Details on the payments linked to a XXXX XXXX XXXX XXXX account that I do not own. 

Capital One has failed to provide this evidence while continuing to hold me responsible for a fraudulent account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Formal Request for CFPB Intervention : I am requesting that the CFPB : 1. Investigate Capital One for its failure to properly verify my identity before opening this fraudulent account.

2. Order Capital One to provide all supporting evidence related to the account, as requested.

3. Require Capital One to immediately remove this fraudulent account from my credit report and issue a written confirmation.

4. Hold Capital One accountable for pressuring me into making payments for an account
that is not mine.

5. Ensure Capital One complies with FCRA and FDCPA regulations regarding fraudulent accounts.

This matter has caused me undue financial and emotional stress, and I expect urgent action from the CFPB to ensure my rights as a consumer are upheld. Please confirm receipt of this complaint and provide me with a case reference number. 

I appreciate your prompt assistance. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Collection company representative repeated threatening legal action and negative credit reporting as well as seizure of company property in collection attempts to collect a debt that we do not owe. Collection representative will hang up the phone when we try to dispute and explain. Collection representative gathers personal telephone numbers and home address and send harassment calls and letters to personal home address when the issue is related to a commercial non-personal debt issue. 
Collection representatives are bullying us into paying what we do not owe. They are using information obtained from us verbally by phone using incorrect information to demand added premium on an insurance policy that has expired and paid in full according to terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX XXXX accounts on my credit report that is closed and been closed since XXXX. I recently checked my credit report and noticed that Experian has been continuously reporting XXXX  every month up until XXXX. I sent two letters regarding this issue so they can fix this issue on XX/XX/XXXX. I have not received a written response back from Experian regarding these two accounts and have not received my credit report. It is against my rights for them to refuse my request. When I look at my credit report both accounts are still being reported as XXXX, which will keep updating and it will not fall off my in the timeframe of 7 years. This is illegal as stated by FCRA I would like both accounts deleted and to be paid a {$1000.00} settlement for this violation. When I look at any other accounts on my credit they stopped reporting XXXX  when the account is closed, how can these two accounts continuously report XXXX  every month? It will never fall off my credit if so and thats a violation!!!!! I intend to litigate if this continues. XXXX  XXXX account XXXX and XXXX  XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX XX/XX/XXXX SANTANDER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect accounts on my credit file I have contracted them several times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to an XXXX credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Total balance : {$10000.00}
Product: Credit card or prepaid card

XXXX ) I have ice white staking at crypto.com that gives me free XXXX via rebate. I submitted my XXXX monthly payment but didnt receive any rebate. When I asked why I wasnt given rebate, crypto.com misled me by saying I am in a lower level of staking and not eligible for rebate ( please see below for more details ). 

Dear XXXX XXXX, Please note that as per the latest update you can find here https : XXXX existing Jade Green XXXX XXXX Indigo XXXX and XXXX XXXX Crypto.com  XXXX XXXX who XXXX their Card before XXXX XX/XX/XXXX, XXXX XXXX will enjoy the merchant rebate benefit ( XXXX ) ( XXXX, XXXX ) tied to their current Card tier for XXXX more months ( until XXXX XX/XX/XXXX, XXXX UTC ). Thereafter, cardholders will no longer receive XXXX  reimbursement ( XXXX ) when spending with these merchant ( XXXX ). They will instead receive up to 2 % back when spending with these merchants with their Crypto.com XXXX XXXX, depending on their card tier. However, in your case, this is not applicable due to the recent restriction on the Cashback rewards. 
I hope you find this information useful. 
Kind regards, The Crypto.com XXXX XXXX Crypto.com XXXX ) I used my crypto.com debit card when I checked in at XXXX XXXX on XX/XX/XXXX and was asked to leave a card on file. My debit card had a balance reduction of {$480.00}. Card activity shows pending but I have {$480.00} less in my account. Normally when I leave a card at hotel check in, it goes away a couple days after I check out. It has been XXXX weeks but crypto.com hasnt returned my money. It is like taking an interest free loan from me. I asked them and wasnt get any response a few times before finally they told me it may take up to 60 days to return my money. This is unacceptable to me
Product: Prepaid card

Card is unable to be used. Providing documentation that was requested. 

Case # XXXX Please mail replacement card to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Providing card, id, and proof of address as requested.
Product: Mortgage

I am in a bankruptcy and I sent in authorization three times and each time Wells Fargo says that they did not receive it and then refused to check the date that it was sent in when I looked up the confirmation. The dates that authorization to speak with my bank were sent in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2018 and they still purport to having not received it so that I can not check on the status of the modification that I sent in until the documents have expired. My modification full and complete application was sent in on XX/XX/2018 to the Wells Fargo Fax and was confirmed to have been received on XX/XX/XXXX when I called in to check the status of my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company called Bright money, which is a fintech company that helps management of personal finances and reduces debt company. Had been filing late payments to my credit report after Ive closed my account and or memberships in advance. Ive tried contacting this business via phone but I keep getting redirected to text chat option to fix the issue. They have closed my account but after requesting this three different times they were charging me late fees, miss payments which they have reported to the credit bureaus which has no resulted in five late payments on my credit report. I want my late payments removed due to the fact I was told through text chat my account and or membership has been closed.
Product: Money transfer, virtual currency, or money service

We are a XXXX  mystery shopping company that seem to be the victim of phishing. 
We are getting claims of us shoppers that they are contacted in our name to cash a check. And then probably transfer the money back to the firm. 
They are being contacted thru email and we already got the domain name blocked by the domain provider. 
And have send out a warning mail to all US shoppers signed up with us. 

Attached you will find one of the checks the shoppers received and the letter that was send with it. 
They are contacting the people thru XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 
What can we do to stop this fraud? Is there a possibility to block these phone numbers or can we have the checks blocked by the bank?
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

Letter requesting verification of debt in accordance with Fair Debt Collection practices was sent XX/XX/2019. Creditor failed to supply all information requested to verify debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!
Product: Credit reporting or other personal consumer reports

This letter is to inform XXXX that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from XXXX XXXX XXXX and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a XXXX   XXXX account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted an account dispute to Equifax Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Equifax Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Equifax responded to my dispute on XX/XX/ which is 60 days, 30 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/XXXXit noted that the disputed information appearing on my Equifax report is accurate and has been verified. In the dispute I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. As of today XX/XX/ I have not received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).
Product: Vehicle loan or lease

I was contacted by an individual to purchase my vehicle. The person sent a personal check that was held and then released by my financial institution. After this money was released into my account, the funds were then transferred to Capital One to pay off the remainder of the loan. Once the loan was marked as paid off, the bank contacted me that the check was fraudulent and that the transaction would not be honored. If Capital One does not stop the payment, I will be sent to collections for the amount of ~ {$17000.00}. My credit union informed me that they attempted to stop the transaction but were unable to. Capital One informed me it will take 3-5 business days to stop the transaction and re open the account, so I should not be responsible for the fraudulent check.

This is the second time submitting this complaint. Their response was that I should get the payment reversed and to contact the office of the President of Capital One. When I contacted them, they informed me they would do nothing, and that I needed to see if the financial institution I deposited the check into would reverse the payment. They did not respond to my complaint, and did not address the issues at all.