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

I am writing to formally request the immediate blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries were made without my authorization, in violation of my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Multiple Entries ( Detailed Below ) {$0.00} XXXX XXXXXXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XXXX XXXX, XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$9700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$350.00} Fraudulent Inquiries XXXX XXXX XXXX Multiple Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Multiple XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promises.
Product: Money transfer, virtual currency, or money service

Someone applied for a loan in my name with navy federal credit union and thn they called me imitating as if they were a navy federal worker and had me transfer the money to a account they added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax you validated an alleged account XXXX  XXXX XXXX  that claims to be sold or transfered in your own credit report it does not state in dispute and seems to be sold while in disputeXXXXr XXXX XXXX you state updated validated but not by legal owner that is not reporting this alleged account therefore you did not validate anything, no date of last payment warrents removal of alleged account, no closed date, shows XXXX bal but shows no payment this is not accurrate reporting remove this alleged account not being reported by its alleged owner documents of proof enclosed 15U.S.Code1692 { e } false or misleading repersentation, by you equifax reporting this alleged account you fall under a debt collector.XXXX XXXX XXXX, XXXX United States District Court Azizona XXXX Court rules reporting on a credit report making you a debt collector that is why you equifax fall under 15 U.S.CODE 1692 { e } false and misleading repersentation
Product: Checking or savings account

On XX/XX/2019, I opened a BMO Harris Premier Checking Account that had the following promotional advertisement : " Earn a {$500.00} bonus with initial deposit of {$25000.00} new money and qualifying direct deposits '' I have met the requirements and the deadline for the advertised promotional bonus has passed and my account still has not been credited.
Product: Credit card or prepaid card

To whom it may concern. 

On XX/XX/XXXX, my card was compromised because I mistakenly responded to a phishing issue while apartment shopping. To make a long story short, I paid {$590.00} to an imposter of the apartment I was shopping, by mistake. I quickly noticed my mistake, and called Barclaycard to address it within two hours of the transaction. One of the associates assured me the charge did not push through, and, to his credit, promptly changed my card number, and I assumed it was the end of this matter. However, I later noticed the charge posted, and called to check again, and was told the charge did in fact go through. I am very disappointed that Barclay had not stopped the charge at the first opportunity when I had quickly reported the problem. 

After three weeks of checking on the status and getting nowhere, on XXXX XXXX, I called Barclays and was told the disputes team could not do anything about this, and they transferred me to the fraud team. The fraud team said they had no record of this charge posting, and I was once again told the charge was still pending. This was very surprising to me as it had reflected on my statement for weeks. I was then told the charge would be canceled immediately and I would see an update within 24 hours. I checked, and saw no change within the 24 hours. 

As I had promptly reported this before the charge had been posted ( as claimed by the first associate ), I expect to be reimbursed for this as this is clearly a mistake of the first associate I spoke to. Thank you for addressing this. Also, if you can track whom responded to my concern, some training issues seem to be in order. I want to mention that I have spent 3 hours over the course of more than five phone calls trying to address this matter. I am unsure about the staffing issues at Barclay, but each phone call required multiple departments and sometimes the waiting time for transferring has been over 30+ minutes. 

I have attached my phone record to document I contacted Barclays the same day of the transaction as well as numerous follow-ups. 

I want to also mention that it has become very difficult to get a hold of the correct department at Barclays in recent months. A few months ago while traveling, I needed to replace a non-working card, and could not get the right department to mail the card to a temporary address. I ended up going the rest of my travels without the card and replaced it back home. It's one thing to have good security, but I got conflicting information from multiple different departments and spent a lot of time navigating such when I could have been told upfront that the card could not be replaced for security reasons.
Product: Prepaid card

I had XXXX dollars inside of my wallet with my XXXX bank card 2 days ago.. I went to purchase a XXXX of XXXX from XXXX XXXX at a nearby liquid store.. Then the day after I proceeded home to then search for the wallet which by then was clearly missing and I called my XXXX bank to check my card status and it said XXXX XXXX So it clearly was getting spent by there second on groceries at a XXXX by XXXX high school.. I just want to know how I can go about getting my money back and or prosecuting whoever did this
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been contacting the 3 Credit Bureaus requesting a complete payment history with this account. Despite the multiple previous written requests. Below are the accounts that are reported, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CREDIT COLL ( XXXX XXXX ) XXXX Balance {$320.00}
Product: Debt collection

Sunrise Credit Service, f rom NY, has been calling my home for a month a dozen times a day beginning at  XXXX   XXXX  until  XXXX   XXXX . On three occasions I have answered the phone and explained to the debt collector its not my debt of {$67.00}?? to  XXXX   XXXX   XXXX . My name is the same but wrong address ( lived at my current address for the past 16 yea rs ) an d I have never ordered anything from this company. The second time I spoke with a collector I was told my name and phone number would be removed from the call list and then again at  XXXX   X/XX/2017    they called again. Sick and tired of my phone ringing all day and being harassed for a debt that does not belong to me! Their tactic must be to harass everyone with the same name until someone cries " Uncle '' and pays up to stop the phone calls.
Product: Debt collection

I am filing a formal complaint against [ Debt Collection Company ] for attempting to collect a debt without proper validation and for violating the Fair Debt Collection Practices Act ( FDCPA ).

The company has contacted me regarding a debt they claim I owe. However, when I exercised my rights under 15 U.S.C. 1692g of the FDCPA and requested proper validation of the debt, they failed to provide sufficient proof that the debt is valid, that I owe it, or that they have the legal authority to collect it. 

Additionally, despite their failure to validate the debt, XXXX XXXX XXXX XXXX has continued its collection efforts, which constitutes a violation of the following FDCPA provisions : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) Requiring collection efforts to cease until the debt is properly validated.

Furthermore, I have reason to believe this debt was purchased by XXXX XXXX XXXX XXXX and they have not provided adequate documentation to prove its validity. Their continued attempts to collect without proper verification are not only unlawful but also misleading and harassing. 

I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for its violations of federal debt collection laws. I would also like this company to cease all collection efforts unless and until they can provide complete and verifiable proof of this debt in compliance with federal law. 

Please let me know the next steps regarding this complaint. I appreciate your time and assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureaus one bureau show 12 missed payments then at another bureau it is reporting 6 I will like for issue to be resolved
Product: Debt collection

Keep receiving phone calls from PORTFOLIO RECOVERY using different telephone numbers including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX And many more. I get multiple calls every single day from Portfolio Recovery. Its very frustrating and they don't even know what its regarding but constanlty have to block these random numbers they keep using.
Product: Credit reporting or other personal consumer reports

I inquired with XXXX, Equifax, XXXX, and the companies listed below on XX/XX/year>, to request the removal of hard inquiries from my credit report. These inquiries were based on applications for loans that I did not receive. 

**Companies : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested that these hard inquiries be removed, stating that they were made under the presumption that a loan would be issued, which did not occur.
Product: Bank account or service

I used to have a Bank of America credit card. I missed payments on it consecutively for 4 months. I have n't got a notification from a bank or anything during this period. The amount I owed to the bank was less than {$20.00} bucks. It was a $ XXXX limit card. I thought I cleared it all and did not bother to check it or open my account. I have a saving account with the bank and checking account too ( combined account with my husband ). So whenever I check I opened using my husband 's online account. My credit card does not show up in his account. My credit score used to be around {XXXX}. With this Incident it dropped back to {XXXX}. For the sake of {$20.00} bucks. I tried taking to the bank with no use and my credit score is still affected after I paid the {$20.00} back to the bank.
Product: Debt collection

Spring Oaks capital date XX/XX/2021 I notified company of unauthorize charges lost or stolen wallet debt not valid
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I get frequent calls from collection agency every day sometimes twice a day every day of the week including sundays. I have answered the call more than once. They state the line is being recorded they ask my name & I verify. Then they ask whats my address. I am not comfortable verifying that because no one says who they are calling for who they work for what is the matter regarding until I verify my address. I have asked to be removed off the call list since a lawsuit has already been placed against me & the calls keep coming. I have blocked numerous numbers from the agency but they find another number to contact me from. This is harassment Ive told them several times I am unemployed & If I did get my hands on money I need it to SURVIVE but the basic needs like food to keep a roof over my head & the agent rudely says well you shouldnt have used the credit card if you couldnt pay us back. The people who are constantly calling when I do answer have no manners are rude and have no sympathy towards people who are struggling. The only peace I get is when I can not afford to pay my {$30.00} phone plan and the calls arent coming in. I just want to stop being harassed. They have already set a civil suit against me for XXXX 2020 why must you still contact me twice a day ( back to back ) for a week straight. As early as XXXX & as late as XXXX to ensure their within the legal tome frame. But these excessive calls have got to be harassment.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased tires in the amount of {$660.00} with deferred interest until XX/XX/XXXX. 

XX/XX/XXXX, As soon as I started paying down the promotional balance, it shifted out of " promotional deferred '' with the {$33.00} in deferred interest going into the balance. I sent emails through the online customer service on XX/XX/XXXX, XX/XX/XXXX. 

XX/XX/XXXX Sears charged me an additional {$9.00} in interest on the promotional balance. I emailed again on XX/XX/XXXX. I called customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Initially I was told it would take 1-2 business days to see the credit. On XX/XX/XXXX, I was told it may take 5-10 business days but I am due a credit of {$43.00} in erroneous interest charges. As of XX/XX/XXXX, the matter has not been corrected and it has exceeded 5-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that Equifax, XXXX as well as XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 )
states that a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate.

Lastly, they are not in compliance with Metro 2 Credit Reporting
Product: Vehicle loan or lease

I told them that I would file bankruptcy because I couldnt afford payments and they knew the interest rate was to high upon giving me loan they continued to rack up charges on the account in late fews making it hard to pay my normal payment a month. Then I was told to voluntary give the car back and that I wouldnt have to pay balance if there was one
Product: Student loan

I am XXXX who was affected by Navient bad business practices and was approved for loan forgiveness however the company claims my loans don't qualify and now I'm required to pay over {$700.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX  XXXX {$580.00}
Product: Credit card or prepaid card

The gift cards were purchased at a XXXX grocery store in XXXX XXXX, XXXX XXXX, PA. The cards in question were issued by BB & T bank. This bank merged with SunTrust and is now called Truist. I got the cards during the pandemic and just found them this past weekend. Both cost {$100.00} as they charged {$3.00} for the card. I never activated the card as the little sticker on the front of the card said to do. I called the number on the back of the card XXXX and the man said the card is only worth {$49.00} as of XX/XX/XXXX. They have been taking out a dormancy fee of {$3.00} per month for 17 months even though I never activated the card. I called the XXXX number and they said to call Truist. I called them today and alas they said they have no record of any such cards! I asked who was getting the {$3.00} per month and she was at a loss for an answer. The expiration date for the cards is XX/XX/XXXX! 
The cards were issued by BB & T and are numbered as follows : XXXX XXXX Truist denies these cards exist! If that is true how did they charge {$3.00} a month? 

Someone is getting the money on the falsity of dormancy. I am a senior citizen and this needs to be addressed.
Product: Mortgage

I was financed thru green tree on my mortgage on mu double wide manufactured home that i had on my property. I was being harrassed and lied to, called names and forced to pay up to 3 times a month my monthly payment. I paid every payment thru XXXX  XXXX, as per their requirement, and they would tell me i was behind and threaten me and call me names until i would make a 2nd or 3rd monthly payment in the same month, i have all the reciepts and a printout showing the payments made. they harrassed me at work and home, green tree eventually came and took my manufactured home right off of my property, even though i was not actually behind on payments, and should not have been in foreclosure at all. i was actually paid way ahead because of their non stop insistance every month over and over again that i had to make additional payments. i lived in the manufactured home for fourteen years and then green tree came and removed the manufactured home right off of my property, right after they recieved another payment from me. i can not express in words, the problems and stress this caused me. there is no way to reimburse me for the stress and problems it caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Credit card or prepaid card

I paid my monthly credit card bill. The bank has a copy of the check received by the company. 
Now they are saying we didnt pay and are adding on additional fee and interest. 
What to do? 
We have called once but are looking for some results.
Product: Credit reporting or other personal consumer reports

I have been a Capital One customer since XXXX and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. Capital One was one  of the first companies that was willing to extend credit to me. I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have XXXX late payment on Capital One Account # XXXX, from last month XX/XX/XXXX. I have never had a single missed payment and this one was due to me switching my autopay bank account details.
Product: Debt collection

Repeated calls after hours with threatening tones. 
called after requested to stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equfax is reporting I still have a current mortgage account with XXXXXXXX XXXX  This account is no longer with XXXXXXXX XXXX, it is with XXXX XXXX.