23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DFC contacted my former sister-in-law several times claiming to be the Attorney General attempting to reach me. They told her that I had one hour to contact them or they would issue a judgement against me. When I contacted the Texas Attorney General, they had no knowledge of such activity. I contacted the number from which the calls were originally made and reached DFC Legal Services.
Product: Credit card or prepaid card

Following a billing dispute. two disputed transactions # XXXX and # XXXX, there were two provisional credits on my account totaling {$720.00} after i made {$1000.00} wells fargo sent a credit balance of {$720.00} by check XX/XX/2020, check # XXXX, but had to be reissued on XX/XX/2020, with check # XXXX {$720.00}. I take wells fargo 2 month to issue a check to arrived, when that check was cashed it was return and bank has to charged me {$12.00} fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My Previous Job was Sales Team Lead XXXX XXXX XXXX Member Experience Lead at XXXX XXXX This was changed without my permission.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting back to me as it belongs to me. I am currently XXXX XXXX XXXXXXXX i have no access to apply for anything in my name. These accounts are fraudulent I am asking that these accounts get removed for it is an huge affect on my career and my credit. Remove these items from my report for they are fraudulent. My complaint isn't being taken very seriously. Please provide me any proof that these belongs to me when I don't have access to obtain such items,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credence Resource Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt. 

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA. 

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly. 

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

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

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Equifax with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Equifax removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Equifax received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX every other month I get email saying student loan increased and lowers my score I email them about and ask them how did it increase if there a hold on payment and interest because covid 19 they told me that whats being reported I called XXXX they told me its false somebody playing with and I drop points for it I emailed XXXX  didnt get anywhere
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- Inquiries -- XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I have been waiting time and time again to open a deposit account, but I refuse it just because I filed for bankruptcy. So I went to the branch to see what the problem was, made a reservation over the phone, checked what the problem was, and I told them that I could open the account by paying for the service fee, but they said that I could not open it because of the bankruptcy exemption. My existing bankruptcy exemption is only for credit cards, and the credit card part is for bankruptcy, so I was exempted. I tried to pay for the existing cost of this service because I could open a deposit account, but I was rejected without knowing why I couldn't open it. 

i am really upset
Product: Credit reporting or other personal consumer reports

I submitted dispute letters over 60 days ago and the information came back verified with more negative remarks without any proof of investigation or proof showing how the collections were verified
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 the 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Debt collection

On XX/XX/XXXX I received a credit alert a new account was added to my credit file. Upon inspection, I found this 'new account ' was a collections account from Pinnacle listed as a XXXX XXXX debt. I had never received any communication regarding this alleged obligation. 

At that time, I sent a letter to Pinnacle, Certified Mail Return Receipt requesting validation of this debt. Despite Pinnacle receiving this demand, I received no response, not even a dunning letter. 

Having waited the required length of time for a response and for validation of the debt, and receiving none, I submitted disputes with the XXXX major credit reporting agencies on XX/XX/XXXX explaining I was unaware of such an obligation to Pinnacle and that Pinnacle had failed to respond to my request for validation as required. Per the resolution letter I received from the credit reporting agencies regarding my dispute, Pinnacle verified to them that the account belonged to me and by keeping it on my credit report, that they were legally entitled to collect said debt AND that is was a valid debt of mine, all information they seemed unable or unwilling to provide me. 

At no time before or after the validation request and the verification with the credit reporting agencies, and continuing to today, I have never received any communication from Pinnacle regarding this alleged debt. They have current contact information for me as they review my credit files, update their collection account monthly or more, AND I have always included current mailing address information in my communication. 

I again reached out to them on XX/XX/XXXX via Certified Mail Return Receipt requested and again received no communication despite their receiving my communication. 

On XX/XX/XXXX I emailed their COO, XXXX regarding this matter. He responded that they were unable to locate my account information and could I provide more information? I responded with all my personal information, and all account information in my credit files so they could locate the account and we could resolve this. I never heard another word despite my sending repeated emails. 

I have requested to have documentation provided that this debt exists, that I owe it, and that they are legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately each month which constitutes a continued efforts to collect this debt. Pinnacle is in violation of the FCRA and the FDCPA.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and XXXX XXXX in 2002 I was able to escape my situation. When I escaped my XXXX he stole my social security card, birth certificate, and my identification card when I discovered my identifying documents were missing I immediately filed a restraining order and a police report I've sent in a copy of my restraining order, police report and a copy of my report validating that I am in fact a victim to all three credit bureaus with every fraudulent account attached to the reports XXXX and XXXX immediately removed all accounts and my information Experian did absolutely nothing they refused to remove anything and has continued to allow me to be victimized even further.
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on XX/XX/year> and Experian completed its investigation XX/XX/year>. I asked for a description of procedure and was denied.Experian is exhibiting willful non compliance.This is a violation of FCRA. 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) states the above should be provided. Accounts are listed as : XXXX XXXX  # XXXX. XXXX XXXX XXXX XXXX  # XXXX. XXXX # XXXX. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with XXXX XXXX on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XXXX I paid on the XXXX. Starting in XXXX   they no longer took credit card payments and only would take checking. I called a called XXXX and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. XXXX  did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX XXXX was not taking my payment in fact reported that I am XXXX not only charged me a fee but my credit has now been hit with its first ever missed payment. I called XXXX to fix the situation but the representative blamed me and later hung up on my call. Not only did XXXX make the process to pay harder but blamed me when I made payments in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i have verified my 3 credit report and saw that i have 3 collection affecting my credit report, I have tried to verify because i have no knowlege of this account, this is not my account. I have not had such debts for it to be on my reports The Collection shows as follow on my credit reports 1 ) XXXX XXXX XXXX XXXX Account XXXX Shows Paid, Closed XXXX ) XXXX XXXX XXXX XXXX  - Account XXXX Shows Paid, Closed XXXX ) XXXX XXXX XXXX XXXX - Account XXXX Shows Paid, Closed Also My Credit Report As You Can See Show Item 2 And 3 As A Duplicated Affecting Seriously my rights to the fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX XXXX, XXXX # XXXX  XXXX, XXXX XXXX  # XXXX XXXXXXXX, XXXXXXXX # XXXX  XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, XXXXl # XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, 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: Debt collection

XX/XX/2020 cable box failed. XX/XX/2020 phone service only allowed outgoing calls. Repeated phone calls to address problems were dealt with hang-ups. Asked for technical assistance resulted in hang-ups. Ask to remove services, denied, could only upgrade or purchase pay-for-view. Ask to speak to supervisor or manager ended abruptly with hang-up. Asked to cancel all my services, no one had the authority to do so and ended with hang-up. Was told I could cancel services through website, that was incorrect. Website said would have to talk with customer representative and gave a phone number to call. That always ended with a quick hang-up. I had a months credit paid and no way to cancel service or fix services. They used up credit and continue to charge for services I didn't receive. Now they want defective cable box so I can't prove that I was without tv services but I have refused to return till issues are resolved. A registered letter with self return signature requested explaining problems and request to be reimbursed for the {$150.00} credit now has resulted in a collection agency threatening legal action unless debt of $ XXXX is paid in full.
Product: Debt collection

In XX/XX/2018 my Indiana Income tax refund was offset and sent to XXXX XXXX. I called XXXX XXXX via the toll free number provided by the Indiana Department of Revenue, at which time I requested in writing and by phone a detailed breakdown of all charges as well as credits. XXXX XXXX has failed to send any documentation supporting the debt. I am aware of two grants the college has received on my behalf, yet no explanation has been provided detailing how these monies have been applied toward the debt they alleged I owe. 
In addition to this, I have had to dispute the amounts for which they are claiming I owe as the letter I received claims one amount and the email I received says another, while my credit report claims two times the amount.
Product: Vehicle loan or lease

On XX/XX/year> I made a XXXX time principal only payment of {$9000.00} to my Capitol One Auto Loan. For some un know reason to me my payment was broken down into two seperate payments of approximately {$8500.00} and {$500.00}. The {$500.00} dollar payment had around {$60.00} of interest applied towards the payment. 

On XX/XX/XXXX or XXXX when I noticed this discrepancy I called Capitol One to get the the bottom of the issue. I was briefly given the run around and told a whole host of issues. None of which made any sense. Eventually I was told they would correct the issue. 

A week or so later I noticed that credit adjustments had been made towards my account. But the principal balance remained the same. So I had to call again. And I was told that by Capitol One that the credit had been applied towards the interest on my loan. I argued that it needs to be applied towards my principal balance. The call was ended and within a few days on XX/XX/XXXX an {$80.00} credit was applied towards principal balance. 

XX/XX/year>. My monthly reoccurring payment of {$370.00} was posted. Then on XX/XX/year>. XXXX total transactions were made to my account by the Capitol One Team reversing and reapplying the {$80.00} credit and my last payment. As well as reapplying them. Which is concerning to me very much. 

Which all brings us to the actual reason for my complaint. 

On XX/XX/year>. I made a one time principal only payment of {$2000.00}. Which, again, was subsequently broken down into two seperate payments of approximately {$1500.00} and {$500.00}. Of which roughly {$16.00} of interest was paid from the {$500.00} dollar payment. 

It is clear to me that Capitol One Auto loans are fraudulently applying extra principal only payments in order to generate more interest throughout the duration of the loan. They have done it to me twice now in a few months and my fear is that this is happening to countless others unbeknownst to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,
Product: Debt collection

I am writing to file a complaint against Chase regarding a fraudulent account ( Account Number : XXXX ) that was opened in my name due to identity theft. I was notified of this fraudulent account by a credit bureau in XX/XX/year>, and immediately informed Chase of the situation. Despite multiple notifications and efforts on my part, Chase has refused to acknowledge the fraud and adhere to both California state laws and the Fair Credit Reporting Act ( FCRA ) guidelines. 

**Violations : ** XXXX. **Fair Credit Reporting Act ( FCRA ) : ** Chase has failed to investigate the fraudulent account and correct the information as required under 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information to credit reporting agencies must conduct an investigation and report the results to the credit reporting agency within 30 days. 

XXXX. **California State Laws : ** - **California Civil Code 1785.25 ( a ) : ** Chase is required to promptly correct and update information that they determine is not accurate. 
- **California Identity Theft Statute ( California Penal Code 530.6 ) : ** Upon receipt of a police report indicating identity theft, a creditor is required to investigate the alleged fraudulent account. 

**Chronology of Events : ** XXXX. XXXXXXXX XXXX : ** Notified Chase of the fraudulent account via credit bureau XXXX. 
XXXX. XXXX XXXX, XXXX : ** Sent fax documentation to Chase XXXX including a letter detailing the fraudulent account and requesting the removal of the information, closure of the account, and resolution of any financial charges related to the account. 
XXXX. **Repeated Attempts : ** Made multiple attempts to follow up with Chase via phone and visits to a physical branch location. Representatives repeatedly refused to provide any assistance or information regarding the fraudulent account. 

**Request for Resolution : ** I request the following actions to resolve this issue : XXXX. Immediate investigation and acknowledgment of the fraudulent account. 
XXXX. Closure of the fraudulent account and removal of all related information from my credit report. 
XXXX. Resolution of any financial charges related to the fraudulent account. 
XXXX. Adherence to California state laws and FCRA guidelines in handling this matter. 

Despite my numerous attempts to resolve this issue, Chase has continuously refused to provide assistance or information. This lack of cooperation and adherence to legal obligations has caused significant stress and financial inconvenience.