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

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over 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 Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Credit card

This was a purchase that was canceled on XX/XX/year>, and I received a cancellation email from the XXXX XXXX. It is listed as a pending transaction since then and will not drop off my account statement. I have made numerous calls to the Executive Response unit at Citibank even with representatives from the Presidents office at the XXXX XXXX on the line with me to try to resolve this and the analyst XXXX is never available to take the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

During application for a XXXX credit card an equipment failure sent the application to several past pages. My credit is at risk.
Product: Debt collection

A phantom debt collection agency called Forward Movement Recovery called me today stating that they wanted to get information. They asked me to verify my social security number, and I asked them who they were and if they had a professional license to practice debt collection in the state of Arizona. They refused to provide the license # or give any more information about themselves. After doing research it seems like their parent organization is called World Wide Processing Group, LLC - http : //worldwideprocessinggroup.info/index.html is their website. Numerous search results online state this is phantom debt, scams, etc. I am reporting this company because they stated that they are going to arrest me, and also stated that I owed money on a debt that has already been disputed for identity theft, and was taken off of my credit report because of this. They have called me 9+ times today after I told them to stop calling me.
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. 


Account Name : USDOEXXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

In accordance with the fair credit reporting act, this creditor ( XXXX  ) violated my rights on XX/XX/2022. By using a collection company called, AMSHER COLLECTION SERVICES, to solicit {$290.00} from me. Code 15 USC 1681 section 602 states I have the right to privacy, under code 15 USC 1681 SECTION 604 A section 2, a consumer reporting agency may not furnish an account without my written instructions. Under code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Please remove this collection account from my credit reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX FI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICREDIT FINANCIA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

The exchange credit program ( Military Star Card ) https : //www.myecp.com isn't allowing its customers to make more than one payment in a billing cycle. I have attached a screenshot of their error message when an attempt is made to make more than one payment in a billing cycle. My scheduled automatic payment is on the 12th, and I tried to make a second payment this morning, the 16th. They would not let me because they don't want their customers to make payments that wouldn't be subjected to fees and interest like the minimum monthly payment is. They aren't allowing their customers to lower their balances without penalty. Would you please look into this? This feels illegal and as if it is an unfair practice.
Product: Credit reporting or other personal consumer reports

Enclosed, please find supporting documents regarding my formal complaint against Discover Financial Services regarding an issue I encountered while attempting to address an unauthorized inquiry on my consumer report. The matter in question pertains to a Notice of Dispute that I attempted to send to Discover Financial Services but was returned to me due to an invalid forwarding address listed as contact information on my report. 

On XX/XX/year>, upon reviewing my consumer report, I discovered an unauthorized inquiry made by Discover Financial Services. Concerned about the implications of this inquiry, I promptly decided to file a Notice of Dispute as per my rights under the Fair Credit Reporting Act ( FCRA ). However, my attempt to reach Discover Financial Services through the provided contact information were futile as the correspondence was returned to me citing an invalid address.

Enclosed are the following supporting documents : 1. Listing of unauthorized inquiry on my consumer report.

2. Notice of Dispute 3. Proof of undeliverable correspondence indicating the invalid address provided by Discover Financial Services.

These documents serve as evidence of the challenges I faced while attempting to address this matter with Discover Financial Services. It is alarming to realize that the contact information listed on my consumer report, purportedly belonging to a reputable financial institution like Discover Financial Services, is outdated or invalid. Such oversight not only obstructs consumers ' ability to address issues promptly but also raises questions about the reliability and accuracy of the information provided by credit reporting agencies.

Moreover, the unauthorized inquiry made by Discover Financial Services adds further distress to this situation. As a consumer, I expect transparency and accountability from financial institutions regarding any inquiries made on my credit report. Discover Financial Services ' failure to provide a valid contact address impedes my ability to address this matter efficiently and protect my rights as a consumer.

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Discover Financial Services updates their contact information promptly to facilitate communication with consumers. Additionally, I request that measures be taken to address the unauthorized inquiry on my consumer report and prevent similar incidents from occurring in the future.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take necessary steps to uphold consumer rights and hold financial institutions accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification on XX/XX/2022 from my credit report monitoring servicing advising that Barclays Bank Delaware had done a Hard Inquiry on my credit. This inquiry was done on XX/XX/2022. I reached out to XXXX to dispute... They instructed me to complete an Identity Theft Report and also placed a Fraud Alert on my three credit files.
Product: Credit card or prepaid card

I hired XXXX XXXX, marketing company to help me with my lead generation for my business. I signed the agreement where I was promised that XXXX XXXX will build direct to consumer funnel for me and will explain how to use it. After watching the initial video provided i have realized that XXXX XXXX is not the service That I need and it doesn't match the description of what was sold to me. I promptly canceled the service. The merchant didn't refund the funds back, instead they charged me another monthly fee. I called my XXXX  and told them that I am victim of the fraud, they denied my claim and told me I need to dispute. After providing my evidence I was told that I have signed the agreement that does not allow charge backs. I never received any services from XXXX XXXX and XXXX cant get a hold of them. So now I am out of {$2500.00} because XXXX  denied my dispute and I cant get a hold of the merchant as well. Please help me to resolve.
Product: Debt collection

Northstar Location call my home twice a day for months. I have already told them the individual they seek has not lived at this address in 18 years. They still keep calling. When I attempt to call back there is no answer. When I answer often times no one is on the other end. This morning I got a name of a customer service agent named XXXX. I informed him that I had requested they not call my home anymore and that I intended to report the company to the FTC and he hung up on me. 
Some of the calls : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX., XX/XX/XXXX XXXX XXXX., XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, This has been going on everyday for at least six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures:
a. List of Fraudulent Accounts on my Report
b. FCRA Sections 605,609,6011
c. Proof of Identity and Address
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  SS#: XXXX
To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
INQUIRES:
Prepared For XXXX XXXX XXXX Date generated: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments Balance updated XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I successfully mobile-deposited Check # XXXX for {$600.00} into my Capital One checking account. The deposit cleared without issue. 
On XX/XX/XXXX, without any prior notice or communication, Capital One withdrew {$600.00} from my account, labeling it as an " adjustment debit - adjustment to correct error. '' When I called Capital One on XX/XX/XXXX to inquire about this unauthorized withdrawal, they claimed the {$600.00} was reversed because Check # XXXX had allegedly been presented at XXXX XXXXXXXX XXXX. They stated they wouldn't " pay me twice. '' I still have the physical check in my possession. 
On XX/XX/XXXX, Capital One changed their story, claiming " the feds '' had contacted them about the check and that they had " pictures '' proving it had been cashed elsewhere. They stated they had launched an investigation but refused to provide any timeline or information about their process or when I could expect to recover my funds. 
I have verified with the issuing bank that Check # XXXX was successfully paid to Capital One in early XXXX, and they confirmed no fraud alerts exist for this check. XXXX XXXX  XXXX also denies any awareness of fraud involving this check. I offered to facilitate a conference call with the issuing bank and XXXX to resolve this matter, but Capital One has refused to participate. 
Capital One continues to hold my funds without proper authorization or documentation. They have also threatened to seize additional funds under the same false pretenses related to Check # XXXX. During this time, Capital One has experienced system outages making it extremely difficult to communicate with them.
Product: Credit card or prepaid card

On XX/XX/XXXX my son purchased a flight on XXXX for his college trip abroad on our Capital One credit card for {$1200.00}. When I looked at our credit card statement on XX/XX/XXXX @ XXXX it said the charge was declined. I called Capital One to find out what was going on as my son needed the flight information to give to his college, but they said the charge was declined and to make other arrangements. I went online and made other arrangements with XXXX to give to his college. I called Capital One back at XXXX just to be sure since there was a lot of money involved and I could still cancel XXXX. The second representative also assured me that the charge was declined and had fallen off and he could see that the XXXX charge had gone through. 

A few days later, on XX/XX/XXXX, I decided to check my statement and noticed that the XXXX charge was back on my card as of XX/XX/XXXX. I called Capital One to find out what was going on and to have the XXXX fee removed. They told me it would be easier to contact XXXX to have the fee removed. I called XXXX and they said they would refund XXXX the rest was nonrefundable. I called Capital One back to start a dispute since the information I was given by Capital One was wrong. They said my dispute was with XXXX, but I felt it was with Capital One. They said lets start by filing a dispute for the {$1200.00} with XXXX. I called back on XX/XX/XXXX to see how things were progressing but no information was available. 

I received a phone call from a representative from Capital One, on XX/XX/XXXX stating that XXXX was not refunding the {$1200.00} and that amount was being put back on my card. I asked for a manager and spoke to XXXX who is a manager located in VA who said she would investigate this matter further since I felt my dispute was with Capital One for wrong information. She said she would pull the phone records and get back to me by Friday XX/XX/XXXX. She didn't. 

The most recent letter I received yesterday, XX/XX/XXXX from Capital One, which again stated that XXXX was not refunding the {$1200.00} and that amount was back on my card. Again at XXXX I called Capital One and asked for a manager. After 62 minutes, I was connected with XXXX who said she would look into it but didn't have the ability to make any final decisions and refund money. She said a higher manager would get back to me within the hour. No one has called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.
Product: Money transfer, virtual currency, or money service

I made a purchase for a face mask using my PayPal account. The company that I purchased from disappeared and thousands of reviews and posts have verified that this company has scammed me. 

I contacted PayPal in order to get a refund on the item but they are assisting the company with scamming customers and are refusing to refund me my money. I've tried several times to contact PayPal and provided several documents and evidence proving the company is scamming customers and they are still refusing to refund me. 

PayPal is actively encouraging and endorsing scam and fraud by doing this.
Product: Checking or savings account

Bank has put a XXXX hold and frozen account without explanation. No one is able to explain on a call what happened. Spent over XXXX hours chasing this. numerous disconnections, and transfers between dept A to B to C etc. Very frustrating. No other way to contact the bank and resolve this issue. As a result, the account is frozen. Unable to make payments, receive deposits etc. Causing a major life disruption. Bank is completely unresponsive and does not provide a way to reach them at all. Deliberately disconnects and transfers to random departments w/o rhyme or reason.
Product: Credit reporting or other personal consumer reports

CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. 
XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX.
Product: Debt collection

Received court summons on XX/XX/ without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit card

Capital One charged off {$1700.00} of a {$2300.00} balance, leaving me with a {$1200.00} balance ( according to XXXX XXXX, the account is in charged off status ). The account was closed and charged off and removed from the Capital One website where I could make payments. The account was assigned to their collections department. I made several payments through XXXX XXXX, as I can only make payments when she calls me. I 've asked her to relinquish control back to me so that I can make payments. She refused. I 've also asked other people at Capital One if relinquishing control over payments back to me was possible and I 've been told the same thing. I 've told her on several occasions that she calls me at times of the day where I can not answer my phone as I am with clients at work ( I work with XXXX ). She has told me that there is no minimum payment required on the account or a due date, however, when she can not reach me and has not received a payment ( only as a result of her calling me ) she reports to the credit bureaus as late. She recently ( XX/XX/2017 ) reported a late payment and I lost XXXX points on my credit score. There is no way for me to able to get this paid if I have to wait for her to contact me to pay this account. This has been going on for several months. I just learned about the CFPB on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for the purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS ROBBED AT GUNPOINT DURING A HOME INVASION BY 2 PEOPLE WHILE BEING WITH MY FAMILY. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL INFORMATION, MY WATCH AND CASH. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX