23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my THIRD attempt with ProCollect and i have already proven them inaccurate. First, they had a FRAUD lease on their record with my name on it at a place i have never lived or been. I told them this, they said, to me and the CFPB, " we have a debt with your name on it, AH HA, its YOURS ''. SO i went around them, filed a police report, an FTC ID Theft Report to prove it was NOT mine and i was in the right. Sent them all that, they still tried to con me. The bureaus blocked it as ID Theft which i had proof it was. Then they have a second debt with my name on it. This place, i ACTUALLY lived but i fulfilled my lease obligations, as proven by the documentation presented. I have the lease that PROCOLLECT SENT ME, and i have bank statements PROVING i moved out when i said i did and fulfilled my lease obligations. Understanding however, that when you move out of an apartment, there may be some fees owed ( last water bill, if something is broken, etc. ) i asked ProCollect to submit to me a fee schedule showing how much i owed. They sent me one ( attached ) that was so small i could not read it under a magnifying lense. They have the wrong amount due, if ANY, and have not provided me this information intentionally because they are not a decent company. I even called them because they are intentionally doing this and tried to pay the full balance over the phone, i could actually see what i owed for, and they said they would call me back, and then brought up the identity theft which, clearly the FTC and the police department agreed i had nothing to do with. PROCOLLECT needs to send me a fee schedule, since they can not prove anything at all, and they know it, that i can read so i can possibly pay what i actually owe, if anything, and we can move past this and stop acting like children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$990.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$740.00} ; XXXX  XXXX  XXXX XXXX XXXX Balance XXXX {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$310.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$760.00} ; XXXX XXXX & XXXX XXXX Balance XXXX {$4200.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Reporting at the list of accounts below has violated my federally protected, consumer right to privacy and confidentiality under. ( 15 USC ) ,1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to ( 15 USC ) ( 1681i5 ) they are supposed to do this ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in generally, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall ( 1 ) promptly delete that item of the information from the file of the rein investigation, and probably notify the furniture of that information that has been modified or deleted from the file of the consumer and according to ( 15 ) USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that information is an accurate.
Product: Debt collection

XXXX XXXX sold this account to XXXX XXXX XXXX in the amount of {$1200.00} on XXXX XXXX2019, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company XXXX XXXX XXXX to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of filke ''. How are these inquiries factual when I the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.
Product: Payday loan, title loan, or personal loan

Donated the car to a charity. 

After the donation find out the bank has a lien on the vehicle and never released the lean so the person who purchased the vehicle can't get plates. 

Attached is evidence the lien was paid and XXXX XXXX  was supposed to release it Also attached is evidence XXXX XXXX  still has a lien with the DMV
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Product: Bank account or service

Please refer to reference number XXXX. To date I have received nothing in the way of a refund from XXXX XXXX XXXX. After due consideration it occurs to me that Capital One Bank is complicit in the failure of my attempts to get my money refunded. It has now been over a year that I am out the money. I contracted with XXXX XXXX XXXX. My credit card payment was made to a company that I never heard of : XXXX XXXX XXXX. I had Capital One stop the payment which they did. The following month they played judge and jury and awarded the money again to XXXX XXXX XXXX. XXXX XXXX XXXX never provided me with the documents to dispose of my time share condo, but they told me that they would cancel the contract. Consequently I believe that perhaps it is Capital One Bank that owesme the refund and then they can debit Way to Go Travel themselves.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with the incorrect information being reported on my credit report. This issue has caused significant harm to my reputation, and I need your support to address it. Your mishandling of my credit report has left me in a difficult position, and my reputation has suffered due to your inaccurate reporting. Please correct these mistakes so I can continue my life with my family.
Product: Credit reporting, credit repair services, 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. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Product: Credit card or prepaid card

I had a previous Master card ending in XXXX that had some fraudulent charges Capital one agreed these were not my charges while this happened, I was working a XXXX shift at XXXX my employer. These charges resulted in some valid merchandize charges being cancelled also. This started around XX/XX/2022 I paid for the valid merchandize on my XXXX XXXX XXXX  card ending in XXXX on XX/XX/2022. ( See Statement ) I paid for 5 different charges on my visa this date all was deemed paid in full except for {$160.00}, Capital one has added it 7 -Seven times to my account not any of the other 4 transactions only the {$160.00} telling me that I owe them this amount please see my account. Let me tell you that again 7 times yesterday they said because the transactions do not match, I must be lying, and I have purchased different items I sent them all of my transactions on my XXXX account which I have included here showing that I have not purchased any other items in the amount of {$160.00} I sent them the detailed item report included here from XX/XX/XXXX through XX/XX/2022, My XXXX Account, My XXXX  XXXX Account I have sent them everything but my XXXX XXXX  child but they insist that I am lying to them. I have called XXXX 's credit department I do not have any outstanding or unpaid debt owing XXXX. Yet CAPITAL ONE still will not credit the money owing and cancel this card once and for all.
Product: Credit card or prepaid card

On XX/XX/2022 I made an uninformed decision to apply for a best buy credit card. The terms of the agreement between best buy and myself were spread out across dozens of pages in a pamphlet that I was told I did not have to read.
Product: Mortgage

I verbally accepted the 3rd option via Telephone with chase. The day I accepted the terms was the day I spoke to the representative XXXX. I requested several time that they mail me the terms and conditions. They stated that the document I was holding was a legal document and that nothing else was going to be mailed out. This information should be on the recorded messages, as all call are recorded. 

I began making payments every month on theXX/XX/XXXX. I called it in on theXX/XX/XXXX per our conversation. When I found out that I was not going to be able to modify the loan is when I placed the property up for sale. I tried getting the full balance owed so I can pay off the agreed upon total. The representatives from chase ( Contracted 3rd party ) refuse to take my payment or give me the balance owed with interest. 

What chase did was not right. I made all the payments as per our conversation. I never intended not to keep the property. They were rude and disrespectful. They would insult me various times. They placed a lot of stress on me, even though I told them I was not well they continued to be mean. it come to a point where nobody but the supervisor XXXX XXXX could have contact with me. nobody else was allowed to talk to me. I tried multiple times to escalate this matter to another department but nobody would respond back to me. 

I would understand if I had stopped making payments but I kept my part of the bargain. Chase is the one who retracted on our contract without any notification. They would not accept my payments or get back to me with the balance due. i feel they have shady busines practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still haven't emailed or called me back and I still can't login.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update some suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance XXXX {$30000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

TCF Bank and Huntington Bank completed their merger during the summer. I hold a home equity line of credit with TCF which is paid automatically each month I had an accident and had to relocate without access to my mail etc. 

There were several emails received form Huntington by the XXXX that I was delinquent in my mortgage. I called them at least XXXX  times attempting to make payment, but each time was told that they can not process my payment because I need to know my new account number, the exact amount of the loan, my exact monthly payments and I believe one other thing. 

I did not have those information but told them I could provide my social security number and the address of the property and the estimated loan amount, however they noted that this was not sufficient information to make the payment. 

I subsequently had someone collect my mail and contacted Huntington on XX/XX/XXXX and made all outstanding payments as well as payment which takes me through XX/XX/XXXX. I was never notified that I would be reported to the credit bureaus for my late payments. 

XXXX days later on XX/XX/XXXX, I received notification of late payment to Huntington bank and my credit score dropped XXXX points. I work very hard to maintain good credit and in XXXX fail swoop they destroyed it despite the fact that I paid all my bills, and despite the fact that they ONLY reason for my late payment was because of Huntington 's antiquated systems and their inability to merge the operations of both banks in a way that was seamless to customers. 

The same night of XX/XX/XXXX I contacted Huntington, but not to my surprise, no one has responded to my urgent request to repair my credit. There is a patter of these banks ruining customers credit. On XX/XX/2021, TCF bank did the same thing, despite my ongoing communication with them regarding their inability to effectively manage their systems, and therefore their inability to collect my payments. 

Given this systematic issue within these organizations, I would like the CFPB to step in and perform an investigation into the operations of these banks so that they begin to operate in a way that is not detrimental to customers.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account.is hurting my ability to obtain credit. It is my understanding that you wil investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX : XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX Equifax : XXXX XXXX XXXX XXXX Account XXXX : xxxxxxxxxxxxxxxx XXXX XXXX. XXXX XXXX Account XXXX : xxxxxxxxxxxx XXXX XXXX. XXXX Account XXXX : xxxxxxxxxxxx XXXX
Product: Money transfer, virtual currency, or money service

I received a payment on my cash app last Monday in the amount of {$6700.00} so when I went to check to see if the amount of the money was available cuz I got email that amount was available but I wanted to check it to verify when I log into my cash app I was met with a message of me needing to verify my identity so I followed the choices and they gave me to verify my identity cash app has a huge problem with scanning the back of people 's state ID or driver 's license it does a great job scanning the front but nevertheless they gave me the choice to scan my driver 's license or scan the debit card that was linked to my account so I chose to verify with the debit card that was linked to my account once I did that I waited the very next day I got a notification saying that they were unable to verify my identification so I went on to the app she do it again but it did not give me that choice so I went to the settings to see what I could do so I verify my identity and I was met with a notification that my account has been closed with my money still in it so then I proceeded to see if I could use the cash card that came with the account to take my money out I was not able to use that because they deactivated the car so now I've been trying for almost two weeks now to figure out how to get the money out of the account I have sent them emails and all I get back is the same exact email response that they have been trying to contact me for a week which is not true so they decided to close the case so now my money is stuck inside of cash that they do not have a customer service number that you can call speak to a live person check that their customer service line is fully automated and it does not give you the options on how so it can help you get your money back refunded
Product: Credit reporting or other personal consumer reports

I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to Experian, XXXX and XXXX. 

I would like to thank you in advance for your time and assistance with this matter.
Product: Debt collection

I contacted Capital One requesting they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter that states " my last payment amount '' and the " date the account was open, '' which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and the debt to be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.