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

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Mortgage intentionally with malice of forethought committed constructive acts to defraud their customers : Last month I noticed my FICO score had dropped 5 % and during a recent loan qualification process i found that all three credit reporting XXXX, XXXX, and XXXX had all dropped 5 %. I immediately requested the support. In XXXX I received a letter from Chase telling me that my account number was being changed, I immediately changed the bill pay profile to the new account number. In the interim Chase reported BOTH XXXX and XXXX to all three credit bureaus as NOT paid they LIED. XXXX years NOT on single late payment made NOT one late payment nor late payment assessment every payment made 24-72 hours BEFORE due as our XXXX and XXXX payments to Chase, BOTH of those payments were in full 48 HOURS prior to their due date. Why would Chase do this? Like I said CONSTRUCTIVE ACTS TO DEFRAUD! They intentionally misrepresent payment histories to drive customer Credit Ratings down. Why because they can then raise the interest on the loans that at tied to Credit Ratings they are XXXX XXXX crooks thieves they will steal anything they can steal lie, scheme connive paid off lobbist,,, Should be a class action lawsuit against Chase and every lobbyist they used to misrepresent /lie for them! My conversation with Chase Credit Management representative this AM the credit management representative told me the recently passed RESPA gives us legal authority to misrepresent customer payments history with Chase There should be a class action law suit to put these XXXX XXXX XXXX put them in prison where they belong!
Product: Credit card or prepaid card

My credit was hacked and I reported that to the credit card company which whey froze the account and began working on investigating the fraudulent charges. I was told that I would receive new cards in the mail which I never did receive. After about 2 months those charges were credited back to my account but the account is still frozen and no new cards have arrived. 

I contacted the company twice on XX/XX/XXXX and XXXX via the company 's message center ( I've tried to call several times but the customer service center only rings and after about and hour or so I hang up. On XX/XX/XXXX sent a message asking to close my account and return the credit of {$210.00} from the refunded charges.
Product: Debt collection

I never opened this account I told them this before and they keep trying to collect that is not mine
Product: Checking or savings account

On XX/XX/2022 I received a letter from Capital One stating that they had closed my IRA account. There was no information about why, where the money went or who I could reach out to about the matter. 

After several calls and transfers, the Capital One operator revealed that they no longer service IRA 's and instead the account has been transferred to XXXX XXXX XXXX. 

To say that the communication surrounding this transfer was lacking, is a huge understatement. Capital One claimed they had sent an email on XX/XX/XXXX, XXXX but I found no such email. And it's concerning that a bank can make such huge changes to people 's finances without better and multiple communication efforts- even if one has opted for electronic correspondence. 

Capital One should be mandated to reach out to clients with more than just an email when large sums of money are transfered to another institution. They have an entire ecosystem on their website and apps- and none of those platforms offered any information that could have mitigated this confusion. 

1 ) Mine was an active account with multiple attached savings and checking accounts. So I was visiting the website and app regularly. Yet there was no " alert '' or internal message sent within the app or website that notified me of the closure. 

2 ) The account that was closed had no follow up information on it. It would have been quite simple for Capital One to have instructed customers where the funds were sitting or whom to reach out to. 

3 ) Further, there is no contact information on the account of who you can call about this matter. I instead had to call the general help line and was routed multiple times before I found someone who could help me. 

4 ) The letter they sent in XX/XX/2022 also didn't note where the money had gone. It simply stated that the account was closed. Again, it would have been helpful if they had stated to reach out to XXXX XXXX in that letter. 

This is a massive communication failure on the part of Capital One and a breach of financial disclosure. 

Capital One needs to be reprimanded for their handling of this matter. I can only imagine the number of people affected by this issue who have no idea where their money has gone.
Product: Debt collection

I have already filed a complaint with the company. They responded to me with someone elses information. The complaint was closed but Im trying to re-open it because this is not my debt.
Product: Debt collection

receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

Complaint Description : On XX/XX/XXXX, a fraudulent charge of {$1300.00} was made at Best Buy XXXX using a Citibank credit card that I did not request, activate, or authorize. The bank issued a replacement card in XX/XX/XXXX and mailed it to an outdated address I had not lived at for over XXXX years, automatically sending the credit card when I didn't even request for a new one in the first place. I lived at my current for at least four years and sent them proof ( verified via bank statements and utility bills ). 

The card was fraudulently activated using spoofed caller ID, as evidenced by T-Mobile call logs proving I never contacted Citibank prior XXXX XX/XX/XXXX. A police report ( Case # XXXX ) was filed to document the identity theft. 

Despite submitting the police report, call logs, and address verification to Citibank on XX/XX/XXXX, the bank has : Failed to provide updates or reverse the charge. 
Ignored evidence proving the transaction was unauthorized. 

This negligence enabled fraud and has left me liable for a charge I did not incur.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom It may Concern. I'm reaching out because TRANSUNION CREDIT BUREAU is helping XXXX XXXX XXXX by putting incorrect information relating to my credit report. The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. According to USC1681s-2 ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as a provider of information to a credit reporting agency, it is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX AND XXXX 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
Product: Vehicle loan or lease

On XX/XX/2019, my XXXX XXXX XXXX was stolen from XXXX, VA, I.e., by XXXX XXXX. I reported that the car was stolen to the XXXX, Virginia Police Department, Case # XXXX, At XXXX on XX/XX/2019, I reported to my Car insurance, i.e., XXXX XXXX that my vehicle aforementioned was stolen. 

My insurance informed me that I would need to file a police report, which I did, on XX/XX/2019. XXXX XXXX made reservations for me to obtain a rental car on XX/XX/2019. I filed my police report with the XXXX, Virginia Police Department and they gave me Case No. XXXX. 

The aforementioned vehicle was found on XX/XX/2019  Burned Up. I have spoken to the XXXX XXXX Claim Adjuster : XXXX XXXX several times if the vehicle is repairable. Ive asked the XXXX XXXX adjuster : XXXX XXXX, from time vehicle was stolen to date, is the vehicle repairable and if not what is the next process. Ive asked the Adjuster have they informed BMW North America Financial Services, who I financed the car through. Which the adjuster said, we have not notified BMW, that we will not notify BMW until we make a decision  if vehicle is repairable or totaled, which she propagated to me in a email. 

Today is XX/XX/2019 and I have still not been updated with any information. My insurance premium, I.e., is automatically taken from my bank account with XXXX XXXX. Im paying for a service, which has yet to have been rendered and fulfilled. Can someone please step in and enforce my consumers rights. I have all the emails from the XXXX XXXXl Adjuster stating they have not notified BMW North America Financial Services of the status of the Vehicle. Which BMW customer representative informed me a department has been notified. One or  both entities are lying. 

I called BMW North America Financial Services on  XX/XX/2019 to inform them of this situation. A customer service representative informed me that a Certain department has been notified of this situation, and she left me on hold for an hour. 
Every time I call BMW North America Financial Services they leave me on Hold for a substantial Long Duration, where Im left on the phone for unwaitable time. Can someone from the CFPB please help me with dealing with XXXX XXXX and BMW North America Financial Services. 

Thank You V/r XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported my balance on XX/XX/XXXX to Equifax and XXXX as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX  although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. XXXX XXXX  keeps adding comments to drop my score when Ive paid this debt in full.
Product: Debt collection

Ive never had a XXXX account on my life, I only ever had XXXX wireless service and never had XXXX. This is clearly a identity fraud because I never provided my information to XXXX. The company doesnt even exist.
Product: Debt collection

This company claims I owe them the amount of {$1200.00} and {$1400.00}. I have NEVER signed any contracts or had any communications with this company. This is all invalid and inaccurate information. This is also illegally being reported on my consumer report which is causing damage to my consumer report and causing immense stress, XXXX, XXXX, and damage to my family and I. These inaccurate FALSE accounts on my consumer report is violating my consumer rights. As a consumer I have the Right to Privacy and I have the right to receive validation of this FALSE debt that is reporting on my consumer report. I DO NOT owe anything or have not signed any contracts and/or agreements with the company of Aaron Agency . I have consistently and constantly reached out to this company requesting Debt Validation, as well as demanding all inaccurate and FALSE information is removed from my consumer report however I have not received any remedy. My next step is involving the Attorney General as well as legal action.
Product: Debt collection

On XX/XX/2020 XXXX XXXX XXXX won a judgement against me in the name of Midland funding LLC in the amount of {$810.00}. I submitted that my only income is supplemental security income and child support. These financial documents was submitted to the court and a copy was given to XXXX XXXX XXXX on behalf of Midland funding LLC.  On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX threatening to garnish my supplemental security income and child support for the amount of {$880.00}. 

I tried to work out a {$10.00} a month payment plan with XXXX XXXX XXXX on behalf of Midland funding LLC as my only income is supplemental security income and child support. XXXX XXXX XXXX denied this payment plan and proceeded with sending threatening letters to my home stating that they would freeze my bank account if I did not work out a payment plan with them. 

The letter states that if I do not agree with Midland funding LLC payment arrangement that XXXX XXXX XXXX on Midland funding LLC by half will elect to proceed with further collection efforts to collect the debt. 

I called XXXX XXXX XXXX office and spoke to someone in their collections department. I let them know that my only income was supplemental security income and the representative wanted a copy. I told the representative that I have filed all of my financial documents with the court and that Midland and XXXX XXXX XXXX XXXX XXXX  all have copies of those documents. 

The representative then asked me to send a copy of my financial documents and I decline, politely and stated that I have submitted the documents with the court and that I have requested the same court documents from Midland funding LLC, which I received. And that if she needed these documents that is home she needs to request them from. 

I then asked the representative will you be gone fishing my Social Security and child support checks? And the representative said we haven't gotten to that point yet but that might happen if you do not agree to our payment plan. 

XXXX XXXX XXXX and Midland funding LLC is legally aware that my only income is supplemental security income and child support as I file the documents with my local court system and gave a copy of these financial documents to the lawyer representing XXXX XXXX XXXX XXXX on behalf of Midland funding LLC.

Midland funding LLC has also, in the past, sent threatening free legal notices to my XXXXXXXX XXXXon. In ruse to get me to submit and use my social security income and child support checks to repay the Judgment they want against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. Provide detailed proof this is my account. I want to see original contracts full statements and all records identifying this account is mine. Any signature must match the one on my drivers license. I am a victim of fraud and this is one of the accounts. Please provide me with all requested documents or block and delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Hello, XX/XX/XXXX capital one added charges back to my account around XXXX USD that I wanted to contest. 

They are now telling me I marked them as fraud ( I did not ) and they are not willing to contest them. 

They say, and they actually quote me on a call as saying fraud, which I distinctly remember NOT saying because I've had this issue before. Yet they will not send me the call. 

All I want is for them to contest the charges. They are not helping me. My next step is small claims. 

Thank you
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against CITI for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : CITI Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX Debt Information : Debt Amount : {$0.00} Original Creditor : CITI Account Number : XXXX My Request for Debt Validation : I sent a debt validation request to CITI, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that CITI has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with CITI, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that CITI complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

XXXX XX/XX/XXXX Company Responsed, and stated that On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( Consumer ) received services from the Provider. The total charged for the services was {$7400.00}. Prior to the services being performed, the Consumer signed a financial responsibility agreement. On XX/XX/XXXX the Provider assigned the Consumers account to XXXX XXXX XXXX XXXX XXXX ( Company ) for non-payment of the balance due. The Provider also advised that the XXXX XXXX XXXX issued a payment directly to the Consumer for the services provided and the Consumer did not forward the payment to the Provider. On XX/XX/XXXX the Company sent a collection letter by U.S. Mail to the Consumers address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX the Company furnished the Consumers account information to Trans Union. On XX/XX/XXXX the Company sent a second collection letter by U.S. Mail to the Consumers address. At no time prior to the receipt of this CFPB complaint did the Company receive any contact from the Consumer. Upon receipt of this CFPB complaint the Company contacted the Provider and verified that the debt information is accurate. A copy of the Consumers billing and financial agreement has been sent by U.S. Mail to the Consumers address. The amount owed {$7400.00} is incorrect. The original bill that is attached states the amount which was {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently retained copies of my credit reports and saw inaccurate and unknown accounts. I disputed with TransUnion via certified letters. They received my initial dispute letter on XX/XX/2020. I have proof via certified mail receipts. By law they have 30 days to reply to me in regards to my claim. Meaning they had to reply to me by or before XX/XX/2020. They even disclosed that information on their online portal. I did not receive a response until XX/XX/2020. In my initial letter I was asking for proof, bearing my signature, showing that I have a contractual obligation to pay the furnisher the amounts claimed. This information was not supplied and was told that the accounts were verified as accurate. I have asked for a list of names, addresses and telephone numbers of the people who claim to have verified these alleged accounts without having actual proof, bearing my signature. I sent them a letter regarding this matter and they received it XX/XX/2020. According to law, they still have a couple days here to reply to me but this is getting out of hand and my issues and concerns are not being solved. I am not getting the documentation I am requesting to complete my investigation. Additionally, the furnishers are required to place a " notice of dispute '' on the alleged accounts within 30 days of the dispute and that was not done either.