23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed I unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account # XXXX as well as the fraudulent inquiries Ally financial and XXXX XXXX XXXX has violated my rights 15 USC 1681 602 A states I have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Product: Debt collection

National Enterprise Systems ( NES ) committed 31 violations of the Fair Debt Collection Practices Act. They violated Title 15 USC Chapter 42 ; 1692c, 1692e ( 2 ) ( A ), 1692e ( 10 ) 1692e ( 13 ) ,1692e ( j ), Chapter 94, Subchapter II, Paragraph ( a ) ( 2 )
Product: Debt collection

On  XXXX   XXXX ,   XXXX   in the evening, a collector came to my parent 's address in  XXXX  Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.
Product: Credit card or prepaid card

On XX/XX/XXXX I followed the link from XXXX XXXX for the credit card Chase get a {$250.00} credit after 3 months with purchase, one free night and fee waived for a XXXX XXXX XXXX XXXX CC to make a long story short they didnt give me anything but extra miles or points and charged me the {$95.00} fee I have a picture of the ad and have told them that, and they continue to ignore me or say that was not the promotion when I took a picture of it and they refused to have me send it to them. The date is on the photo I applied the same day and was approved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Dear CFPB : The three major credit-reporting bureaus have become co-conspirators in FBI reported criminal fraud. 
Please read all attached evidences. 
Since my first fraud alert on XXXX XXXX XXXX  each escalation has developed hard evidence for prosecutors. 
Im not their ordinary fraud target. I keep material evidence, and Im tenacious. 
I beseech the CFPB to either prosecute or delegate this case explicitly to Arizona, New Jersey or Massachusetts to lead an investigation into the primary criminal actors who electronically transacted fraud in New Jersey from Arizona and Massachusetts, and potentially across the U.S. to others, as well.

This round-robin of referring consumers to each state, the U.S. Comptroller of Currency and other agencies with partial jurisdictions, only to refer it back to CFPB to transfer a benign paper trial without action, is exacerbating this fraud, encouraging more crime and further victimizing the victim. 
XXXX XXXX, alone, XXXX 84 % last year. People XXXX XXXX XXXX were defrauded out of more than {$35000.00} each on average in white-collar shakedowns, not street muggings. And small frauds like mine are rarely reported, because of victim-shaming, so the true cost of frauds could be mindboggling. 
XXXX XXXX XXXX  The failure to prosecute -- or to make even commonsense appeal to the corporate leaders raking in XXXX salaries because of fraud success -- is why fraud report figures grow seemingly exponentially every year, while other types of crime rise and fall. What would you choose as a major at XXXX University? 
The primary conspirators, this vendor and XXXXXXXX XXXX, did not just make mistakes or oversights. They are not uninformed about consumer rights in law. They are boss and bagman, clear as day dawns. 
These XXXX XXXX corporate criminal conspirators are not merely apathetic to the crimes of the other. They ae steadfastly devoted to uplifting each others criminal roles. Why not? Its profitable, and very, very, VERY profitable to their CEOs to boast to investors to buoy Wall Street a win-win-win, as long as you dont think about all the seniors {$35000.00} annual XXXX to accomplish the achievements. 
In joining as XXXXXXXX XXXX to fulfill the boss and the bagmans malicious attempt to shut me up and take my lickin for not succumbing to extortion, these three credit bureaus that are or wannabe XXXXXXXX  companies assume all the same blame, as in any RICO conspiracy. 
They all do it because they can. 
They do it because government teeth and funding have been insufficient to nail the racket, so far. 
These are five big fish, CFPB. Im a little nobody struggling to stand my ground on a merXXXX XXXX XXXX XXXX XXXX that I dont owe anyone, but all of us like me are the iceberg. Im not going to shut up and go away. 
CFPB and other watchdogs should not stand back and stand by while I give you this full view to see five big bullies bloody and beat me on the proverbial playground for my {$63.00} lunch money as part of the XXXX XXXX XXXX XXXX of each American for an average {$35000.00} a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with Experian, XXXX, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.
Product: Student loan

I was the first one in my family to attend college and nobody could afford to send me completely. I received significant scholarship funding and financial aid but still needed to take out about {$50.00} XXXX in private loans. Over the last three years, the interest has boosted that amount to $ XXXX already. This is in conjunction with federal financial aid that is well over XXXX figures. There is no way I 'll be able to support myself and I 'll have to move back home. They charged me just under 10 % interest on a loan for $ XXXX. This is obscene. I would have been better off not attending college.
Product: Debt collection

Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. 

XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. 

US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). 

It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. 

This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$0.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1800.00} XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I was notified that my personal information was potentially accessed illegally, without my consent, via a massive data breach at Equifax. This data breach occurred late early XXXX of XXXX and Equifax failed to notify me in a timely manner.
Product: Checking or savings account

I was charged overdraft fees when I didnt allow a third party to charge my account in the first place but they were still able to even when I told my bank to not allow them to charge my bank account. I was charged {$35.00} of overdraft fees numerous of times. Once on XX/XX/2021 on my checking account with Wells Fargo. I was charged over {$75.00} from the third party called XXXX XXXX  on the month of XXXX, XXXX, XXXX, and XXXX which they had already terminated my contract with them. I seeked for a resolution from the third party and they told me to take it up with my bank since they cant do refunds and when I asked my bank for help they told me to talk to the party that charged me. It was very inconvenient since at the time I was barely making a livable wage.
Product: Credit card

I am owed money from my charge card and have gone through the companies processes several times for the past 6 weeks. I have been getting differing responses from anyone that I speak with and was recently told by a representative that they wanted me to spend down the balance rather than my getting a refund. I just want my money and can not get resolution through their customer service process. I am waiting on another outcome but since mislead several times, I am not confident that I will get resolution.
Product: Credit reporting or other personal consumer reports

In XXXX of 2021 I lost my wallet that included my drivers license social security card and other identifying information. Due to this someone made several fraudulent inquiries, and opened up several credit cards fraudulently in my name, I would like for all of these items to be deleted. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

I have attempted to contact the company about the incorrect information on my credit profile however, the company has failed to correct the information. The personal information to include my name, address, and employer on my profile is incorrect. The only personal information that should be on my profile are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other names addresses or employers should be listed on my account. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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.

Should this information continue to be in place on my account, I will have no further action but to take legal action against the company.
Product: Credit card or prepaid card

I am a XXXX  CREDIT CARDS NEW CUSTOMER. I opened the credit card account with CAPITAL ONE in XX/XX/2020 and now it is XX/XX/2020. I make my FIRST on time payment with the minimum amount and nicely ask for a fee waiver of {$8.00} when I realize I am being charged that amount in interest fees for not paying a much higher amount or pay in full. This is only 3 days after my payment. I say to them that this blew me off since Im a new customer and my account has not been in delinquent state. My request was DENIED, when the reason of my call was to pay my balance of {$460.00} in full. I do not understand the why CAPITAL ONE has an ESCALATION department when they dont help the customer. I mean what are they getting paid for? To make the bank loose money and customers? Clearly I am not rich and if Im taking of my time to go through all these departments is because I need those {$8.00} dollars back. I work very hard to give my money away like that. I ended up closing my account because I didnt like the way I was treated by first, associate ( who seemed to take the situation personal and almost hang up the phone on face ), then supervisor ( who lied to me, saying that there was no other department that I could seal to being the fact that I was upset ) and then the escalation department ( who also seemed to take the situation very personal when I asked to speak to someone above her ). Its crazy how the this bank handles their business. I mean they prefer their clients going into debt collections, credit history downfalls, company reputation for not issuing a refund to a customer thats asking to make payment in full to their first balance. Its crazy how some people are being hired and wont help clients build a good and healthy credit relationship and history I mean all I was trying to do was pay up my debt before more interest gets accumulated. UNBELIEVABLE the training these people are receiving up in Florida. 

Attached is a picture of of account and the interest charged right after my payment. I also have the audio of the phone calls I made to Capital One today and all the times I was told NO for an answer and I was not listened because, Why would they pay attention to me when their answer is a Default. Because according to them, they cant waive a fee that has been waived to me in the past with Capital One itself at the supervisors discretion. The typical answer that is so overrated that the their system doesnt allow them to waive a fee, when I know is a lie and I tell them that Im the audio. Capital One itself rules that fees can be waived at their discretion. 


This is the agent I spoke to from the Escalation Department. 

XXXX XXXX Florida The supervisors ID is XXXX, also located in Florida.
Product: Money transfer, virtual currency, or money service

XXXX is currently holding {$390.00} from my business account and {$310.00} of my personal account. We used square for processing credit card payments at my business and I also use it personally for credit cards. All of this money has had a lien on it since XXXX. I had to file a complaint already on XXXX and the attorney finally sent a release of XXXX to Stripe but now XXXX is saying they need a release too and neither the attorney or XXXX is willing to help me get my funds released to my new account. The company that has the XXXX was filed in the accounts for the bankruptcy. The bankruptcy was XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. My name is XXXX XXXX XXXX. I have done everything in my power to properly fix the issues that are on my credit report. I reached out to all3 major credit bureaus and followed their instructions to the T, only to be ignored. I SENT OUT MULTIPLE LETTERS Certified and 1st class, ONLY TO BE IGNORED. I never received any updates, I haven't seen the status on my credit report updated to in dispute which means all 3 credit bureaus are in grave violation of my consumer rights! I have taken the time to research and also work with consumer protection attorneys that have told me that this can be handled in court which I do not have time for but will consider if this final attempt does not work! BY LAW my dispute should have taken no longer than 45 days. I have not heard a single word from ANYONE regarding my complaints. Seeing as these companies are in violation of my rights I would like all of my complaints addressed as followed. Deleted or updated to positive. I have all of the proof that. I have gone about this in the manner I was instructed by these companies and I will not allow them to violate my rights as a natural person! 

Certified Mail Tracking Numbers : XXXX XXXX XXXX First Class Letter Send Dates XX/XX/2023 ( XXXX, XXXX, Equifax ) All others attached on letters
Product: Credit card or prepaid card

I had over XXXX miles on my balance when I purchased airline tickets totaling over {$930.00}. I was planning to close the account after the purchase. After I bought the tickets and before I closed the account, I called the rewards dept specifically to check that I'd followed the proper procedure not having claimed rewards before. They confirmed the purchase and that it all looked fine. I then made another call and closed the account later that day. 

Upon receiving my final statement a couple weeks later, I was surprised to not see any awards applied. After a couple more phone calls, the situation was escalated.I was awarded half of the XXXX miles as a courtesy and their justification was that the charges were still pending when I closed the account. I further fought the issue informing them that I had made the extra calls to their rewards dept over this very issue before I closed the account. I received a follow up email stating they could not issue the balance because my purchase was only {$120.00}, a number not reflected in any charges and clearly a mistake on their part. 

After bringing this to their attention again, company now says they are unable to do what the email clearly shows they could have done if the amount of purchase had been higher. 

I have records of the phone calls and copy of the statement. They are denying me the remaining balance of rewards on a technicality of having closed it while the charges were pending.
Product: Checking or savings account

On Tuesday XX/XX/24 XXXX cruise had 2 pending charges ( one for {$75.00}, and another for {$5.00} ) on my debit card/checking account that I did not know were coming and it overdrew my account. I called chase and disputed them same day but told them in that call there was nothing wrong ( card and my personal items werent stolen, all the other charges I recognized. ) So I told them I do not want them to close the card or anything of the like. The representative I spoke with said he understood as I made the claim. On Friday XX/XX/24 I get notice from my XXXX wallet that my card can no longer be used. However I did not receive a call, email, or text from chase to notify me this was going to happen. I called chase same day late afternoon and there were apparently no notes as to why my card was closed nor had a new card been mailed out with overnight shipping to me. After about XXXX  hours from start to finish and being transferred about XXXX times I was told that the reason for fraudulent activity by the chase fraudulent hotline department. I only have the one debit card to use my checking so I was without anyway to access my funds. I was severely inconvenienced by chase banks extremely incompetent, inconsiderate, and very poorly communicated ( both internally as there we no notes as to why it was closed and externally as I was in no way contacted or notified by them that my card was going to be or had been closed, and by extension I was not given the opportunity to reply to it before it was closed ) handling of this situation. And I believe their behavior was unethical and in bad faith.
Product: Checking or savings account

The date was XX/XX/year> and there was no action taken by the company as in they said they cant get the money back. They told me to request a refund but why and how would I do that if all my information was breached so I tried and it was declined and I also reported them as a scam and they still where telling me they cant get my money back and those people proceeded to spend over {$2000.00} on my credit card that I was fortunate to resolve with my bank