23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I scheduled an appointment for my cat to be spayed. My friend at the time was taking care of the cat, while I worked and relocated up north. When I made the appointment with XXXX ( located in XXXX XXXXXXXX XXXX ), I put my friends name on the account so he could take her in without me being there ( otherwise they would not have taken her ). I gave my friend cash and he took her to get spayed along with his cat to be neutered and one year later, there is a bill mailed to my previous address saying I owe over {$1000.00} ( and that it had been sent to collections ). I called the vet place ( XXXX in XXXX XXXX ) to see what was going on. I was informed that a XXXX XXXX XXXX XXXX XXXX was opened by my friend who is on the account and is the one who brought my cat to the vet. This was done without my consent, or knowledge, and I did not sign up for this CLUB MEMBERSHIP, but because I opened the account I am the one being charged. I would like to reiterate that I did not sign up for this MEMBERSHIP, nor did I sign any paperwork for this membership, my friend did, and this fee should be in his name, not mine.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to NATIONSTAR/MR COOPER regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Credit card or prepaid card

I am writing this complaint in regards to my Capital One Platinum Mastercard. 

I have been a customer of Capital One for nearly 7 years and I have NEVER been late nor missed a payment. I have made at least the minimum payment in every billing cycle and often times I paid more. 

I recently completed a balance transfer TO my Capital One account in hopes of being able to get a fair rate and/or offer since I have been offered them numerous times prior to the current financial situation. 

I have a {$6900.00} balance with Capital One as a result of that transfer and my credit limit is {$7000.00}. I am on XXXX as my sole source of income and I make just over {$1200.00} a month which I use to pay rent, utilities, medical and grocery. I also use about {$300.00} of that total for credit card debt. I currently have 9 credit cards and I have a high balance on two of them ( including Capital One ). 

I have worked VERY hard to obtain good credit and in hopes of avoiding any damage to my credit report I contacted Capital One in XX/XX/2020to negotiate a lower rate than the 20.4 % they were currently charging. With the balance that high and the interest that high my interest alone would be twice the minimum payment with the minimum payment at this time being {$69.00}. 

The person I spoke with at Capital One was working from home ( thats what I was told by the CS rep ) and stated that she tried to see if I had any offers on my account or if there was any lower interest offers or upgrades and she said she could not find any. I explained my situation to her and she pretty much just blew me off. 

I'll be able to make my next minimum payment but the interest will still eat up ALL of it and then some. Unless Capital One comes down from their " Tower of Greed '' and is willing to work with me in a fair and mutually beneficial way I will have no choice but to let the account become past due and charged off.
Product: Credit reporting or other personal consumer reports

15 U.S. code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
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  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 with no response from any of the credit bureaus against my request to remove all addresses and incorrect personal information that does not belong to me on my credit report. 

XXXX Incorrect Names - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Incorrect Names : XXXXXXXX XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

I have capital one silver credit card and I paid in full balnance on du date. They charge {$110.00} on XX/XX/2018 and again on XX/XX/2018 {$36.00} even I paid full balance before due date. I called and request to rmove interst charges and they refuse to do so. 
I believe this is rip off and custmor service is bad. Do not like to talk. 

I request is anything you can do? 

XXXX XXXX
Product: Debt collection

On XX/XX/2024, I submitted a complaint to the CFPB regarding an issue of false statements and misrepresentation, In my initial complaint, I advised the CFPB that I wanted Midland Credit Management to delete the alleged debt from my credit reports due to their multiple and verifiable violations of the FDCPA. Midland Credit Management responded to the complaint stating that during their " investigation '', they notified the credit reporting agencies to cease reflecting the collection tradeline on my consumer credit files. According to the FCRA 's " Furnisher Rule '' it legally dictates how a debt collector can report to credit reporting agencies stating that the responsibility of all collectors to furnish " accurate '' and " complete '' information and to " investigate '' consumer disputes if the information is incorrect. With this the act of requesting deletions of the tradeline, in which I requested, proves that Midland Credit Management also agrees that the alleged debt has no basis of fact and can be concluded as an invalid and uncollectible debt. Midland Credit Management responded to the complaint without actually reading and understanding the issue such as the account being marked as a " cease and desist ''. This company has no knowledge of fact and responds generically. If the account is valid and owing, why would Midland Credit Management remove their tradeline? This again proves that this is an uncollectible, invalid and inaccurate debt.
Product: Checking or savings account

I had an account several years ago. I don't remember the dates, maybe XXXX. I was charged several NSF fees and even if I had money in the account to cover at least XXXX or XXXX bills that were due to be paid, Wells Fargo would take the NSF fees from the larger bills and by the time the fees were taken, I could not pay any bills. It put me in the negative several times. I had to close the account
Product: Debt collection

item was removed and put back on by law thats a violation of my rights b/c Experian did not notify me of the action law said thats a fine of 10K
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Portfolio Recovery, who is attempting to collect on an alleged debt that I believe to be inaccurate and/or invalid. I am requesting an investigation into this matter and the resolution of the wrongful collections practices that are occurring. The specific details of the alleged debt are as follows : Creditor Name : Portfolio Recovery Amount Alleged Owed : {$660.00} Date of Alleged Debt : XX/XX/year> Dispute of Debt : I dispute the validity of the debt in question and assert that I am not responsible for this obligation. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that Portfolio Recovery provide me with proper verification of this debt. Specifically, I am requesting : 1. A copy of the original signed agreement or contract that establishes the debt ; 2. A complete payment history for the alleged debt, showing all charges, payments, and credits ; 3. Proof that Portfolio Recovery has the legal right to collect this debt on behalf of the original creditor ; 4. Any judgment or legal proceedings related to this debt.

Furthermore, under 15 U.S.C. 1692c, I request that all future communications regarding this alleged debt be in writing, and I instruct Portfolio Recovery to cease any direct phone contact with me.

Violation of the Fair Credit Reporting Act : In addition to the dispute of the debt itself, I am invoking my rights under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate. If this alleged debt is not properly verified, I request that it be removed from my credit reports and that no further inaccurate information be reported regarding this account. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in resolving this dispute. I ask that Portfolio Recovery cease all collection efforts until this matter has been thoroughly reviewed, and that they provide the requested documentation to verify the debt as required by law. If Portfolio Recovery fails to provide such verification within 30 days, I expect this debt to be removed from my credit records and for further collection actions to cease. 
Please investigate this matter thoroughly and provide me with any updates regarding the resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Over the past several years I 've been the victim of aggravated identity fraud. I have filed a report with the FTC, and have sent letters to Wells Fargo with information from the DOJ that state this as well. On top of Wells Fargo creating phony accounts in my name without my permission, they 've also allowed fraud on my account to continue even though I 've given them notice routinely. I 've been promised I 'd receive credits back from supervisors and then after weeks go by, my claim was denied. My information was compromised in 2013 with the XXXX data breach and I 've had issues ever since. I always notified Wells Fargo in writing or via email or phone call within 2 days of any of these charges and they still wo n't honor their 0 % fraud liability protocol. I 'm working with the DOJ on potential options but want to expose Wells Fargo for this criminal activity.
Product: Checking or savings account

https : //www.bankofthewest.com/XXXX XXXX Bank of the west is running a promotion ( seen in the link below ). 

I tried to apply online but the website sent me an email saying my identity could not be verified, so I called a branch nearby ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and made an appointment stating that I would like to come in for an account with the promotion. 

I arrived at the branch at XXXX on XXXX. Sat down with a relationship banker named XXXX XXXX XXXX. She was very slow in processing my request, and she kept saying that she had to apply a promo code although on the website the promo code is automatically applied. Then she proceeded to take down the application ID that I was given in an email and wrote down my social security number on a post-it ( which she never shredded at the end ). She kept telling me that she could not locate my application, despite the email telling me that I should be able to pick up on my application in branch. 

I explained to her that I didn't want to make another trip, but she kept going back and forth pretending to talk to the people behind the desk. And when it was time for the branch to close, she told me that she " got the confirmation that she can not open an account ''. and that I would need to go to another branch. 

I just asked her to open an account, and regarding the promo code, I read to her " promo is automatically applied '' verbatim ( as is written on the promotion page linked above ). She still refused. There are clearly a few things wrong with what happened : 1. The banker 's unprofessional behavior - jotting down social security number on a post-it and never shredding it. 
2. Not being ready for the task even though a customer had called the day before explaining the situation and made an appointment. 
3. The branch not honoring what is publicly advertised online. 

I am very frustrated and disappointed with the way I was treated as a customer. 

I have a recording of the phone conversation when I called in to make an appointment as well ( my phone records every phone call ).
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and i recently noticed fraudulent activity on my credit bureaus including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this it not mine inreporte to the police ..please removed from my credit report
Product: Credit card

I applied for a credit card from Navy Federal and I informed the representative that I wanted cash back rewards but I received the platinum not know that it was not a rewards card. I called after noticing no rewards and inquired into why. A supervisor asked why I did not inform them immediately, I told her I didn't know the difference. She made it like it was my fault. On XX/XX/2023 She called me a lied saying that a new card was going to sent out within 10 days, after not receiving a card I called back an was told that the request was denied by the back office and I can apply again after a year. If I made a mistake and harm the credit they want me to make it right but since they are wrong I have to suffer
Product: Debt collection

XXXX XXXX XXXX & XXXX XXXX XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX  used capital one app to make a payment from my bank account. I havent used there credit cards for a few years. So last year I got a credit from capital one and downloaded there app Ive made over a dozen payments on there app. When making a payment on above date it billed 3 times on different banks that I didnt add. The other 2 bank accounts were added by the app and were old bank accounts. On XX/XX/XXXX called capital one customer service and they removed the 2 wrong payments well so we thought. Only one was removed 2 had to go through a was deleted leaving the correct payment and was paid by my bank.on XX/XX/XXXX called again after an hour or more waiting on the phone and yes there that back up I understand how crazy everything is but to be sent to a customer service supervisor from a fraud representative I was unaware that she put a 7 day hold on the payment so here we are XX/XX/XXXX cant get help the representative are so backed up that I understand but there customer service supervisor being so upset put that 7 day hold on my payment. Everyone is trying to get by now. Every dollar is important just getting by. What she did was to punish hurt because of her work involvement.please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting late payments on my Experian and XXXX consumer reports when I was never late! These late payments have been incorrectly being reported by XXXX XXXX XXXX for XXXX  years and XXXX  months. This has negatively affected my credit score and opportunities for new credit for years now. 
I have disputed this account with Experian and XXXX and have been waiting for the removal of these late payments for TOO long. 
XXXX reported XXXX days late, XXXX days late, and XXXX days late payments. There should be penalties for this type of behavior and this happens wat too often.
Product: Debt collection

I used to have an account with the store Roamans Acct # XXXX their address is XXXX XXXX XXXX, XXXX, OH. XXXX somehow this account got out of control, and they started adding late fees that went up to {$600.00} or more dollars. when they had contacted me about this i told them to waver some of the late fees, they refused. Then the account kept receiving late fees although i had paid what was owed. the item that I purchased only came to {$200.00} and they are trying to force me to pay an extra {$400.00}. I asked them to send me the form 1099-C so I could report it on my taxes, and they acted like they didn't know what I was talking about. I asked them this after the account was charged off earlier this year XXXX. Now since they have charged my account off and sold it to a collection agency by the name of XXXX XXXX XXXX with a partial Acct # XXXX their address is XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX, MI. XXXX Phone # XXXX I am asking for a Debt Validation record, a detailed list of history of my payments, and my signature on a contract. Also, copy of the insurance claim filed on the debt, and proof of change of title to a third party. Roamans has already or will get a tax break from this. 
My right according to the law 15 USC 1692C fraudulent 2 companies trying to collect from me when the account has been charged off since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a XXXX XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company " Transunion ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I use the XXXX  app and Im trying to update my banking for some reason PNC has blocked them from accessing my account. Which I dont understand since its an app to help people manage their money
Product: Payday loan, title loan, or personal loan

I was making payments larger the amount due shown on my account. I did so believing that the amount over the minimum due would go to principle. However, I recently learned that XXXX XXXX was using the excess payment to reduce the minimum payment for the following month. This practice not only reduces the amount of money that is being paid toward the principle, but it increases the interest so that I now owe more than I borrowed!