23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had credit with most of the companies owned by XXXX XXXX for quite some time now. Never missed a payment with any of them. But, because of circumstances beyond my control, like being hospitalized, I have been late just a few days, once in awhile, with XXXX or XXXX of my payments with XXXX or XXXX of their companies Because of debt accumulated by my late husband being so ill, I was forced to file bankruptcy approx. XXXX years ago. I took this action to save my home of over 77 years from being effected..But even with that action I still had good credit with their companies.It wasn't until about a week ago, I was denied credit purchasing a box of candy via Swiss Colony. Even though it showed I had over a XXXX dollars credit left to use.I never got a straight answer as to why I was denied credit, until I called their XXXX office. It was then I learned they recently purchased XXXX about a month ago, this is why I was denied using my existing credit with ANY of their companies. Now XXXX XXXX has gone a step further and stripped all of credit away from all of my existing accounts.. 
XXXX XXXX was listed on my bankruptcy. But everyone is being paid in full through my bankruptcy and I had all of my other existing accounts prior to Colony Brands buying XXXX XXXX. 
XXXX XXXX does not care or choose to listen to anything explanation I offered. 
Even in these times, I can not believe how cold and uncaring Colony Brands has become..If you value your sanity and credit, stay away from ANY company owned by .Colony Brands .....
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of XXXX XXXX and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute for debt, this is a request to remove an address that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX which appears on my credit report, does not relate to any accounts that Ive had nor any transactions that Ive made.Im being accused for having a balance of over {$19000.00} for a vehicle Ive never had. This is a result of identity theft Please block this information from my credit report, Persuant to section 605B of Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Mortgage

On XXXX My property was under contract and about to close only thing missing was a Payoff from Planet Lending. A representative told the title company verbally the payoff was XXXX. On XXXX Planet lending supplied the Title company with a payoff of XXXX. 

I called planet lending to speak to my Customer relationship manager. I told the Representative that I was at the closing table to payoff this loan. However, the payoff stated I owed XXXX. I requested them to look at the loan and help so I could close. The representative told me that they wouldnt help with any money. They prefer to foreclose on a VA loan because its a fully backed loan and they will get all the money. They would not help because they can get the VA for full amount. 

Planet lending is charging XXXX in Default escrow fees for paying the taxes and insurance. However, Im a XXXX vet and have homestead and XXXX vet exception. 

The amount supplied on XXXX to the amount supplied on XXXX was a result in {$12000.00}. They refuse to reduce the {$55000.00} in fees because they want to stick it to XXXX XXXX! This phone call was recoded by Planet Lending where you will here the representative tell me why they wouldnt help. My principal balance was {$330000.00} and now I owe {$390000.00}. The house was sold and ready to close on the XXXX where planet lending could recoup all money! However, they would rather not help and foreclose so they could get XXXX for full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was paid in full. 

XXXX Balance of {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally request the blocking and deletion of certain hard inquiries listed below from my credit report, as I am a victim of a recent data breach that has exposed my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), consumers are entitled to protections when identity theft occurs, and I am requesting immediate action to block and delete these unauthorized inquiries. 
Inquiries 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was financially impacted by the XX/XX/2019government shutdown. I contacted Capital One ten times explaining my income was disrupted, I was experiencing financial hardship, and I was seeking assistance. I requested short-term payment forbearance, payment arrangements, extending my payment due dates, anything to help prevent my payments being reported late to the CRAs. They would not work with me, they denied my relief requests every time I called despite advertising relief and assistance to their customers impacted by the government shutdown on their own website, www.capitalone.com : " We are here to assist our customers who are experiencing financial difficulties as a result of the federal government shutdown. We encourage customers whose income is disrupted due to the shutdown to reach out to us to discuss their individual circumstances.
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 XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX 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 XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Suncoast Credit Union took my membership deposit after closing my account without warning me to give me the chance to withdraw my funds. After calling them, I learned that Suncoast charged me my membership deposit and any remaining funds as a fee. Suncoast never properly informed me that my account will close and take possession of my funds. I requested a refund but it was declined. My fianc had a similar issue with them at the same time and she was granted a refund. I believe Suncoast discriminated against me in retaliation because I am a former employee of Suncoast Credit Union.
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 Costumer Financial Protection App ( 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 these violations
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 under 15 USC 1681. 

XXXX. XXXX XXXX  ( credit card ) has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

my personal information is being associated with negative items. The specific items are the following XXXX XXXX XXXX act. # XXXX {$440.00} ( XXXX ) XXXX XXXX XXXX XXXXXXXX # XXXX {$270.00} ( XXXX ) XXXX  XXXX # XXXX {$310.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX {$850.00} ( XXXX ) I have included the Collection office, account number, amount in question, original merchant name.

These four items belong to an address with which I am not associated to. Also, 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.

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.
Product: Debt collection

Collection agency is reporting to all XXXX credit bureaus that i owe unknown debt.. I am requesting that the collection agency provides proof that this debt is owed to them and/ or that the debt is still unpaid. This dept is unknown and have not received any communication from either the original creditor or the collection agency.
Product: Credit card or prepaid card

This card was payed off in XX/XX/XXXX and then someone made purchase s on it in XX/XX/XXXX and then defaulted on it in XX/XX/XXXX and I wasn't aware of these fradulent charges till recently.
Product: Checking or savings account

I used my Chase debit card to withdraw {$800.00} on a Chase ATM on XX/XX/2021. The ATM did not dispense any money. 

I contacted Chase Claim Department and they issued me {$800.00} temporary credit. 

Today ( XX/XX/2021 ) they sent me a letter saying that they will remove {$600.00} temporary credit. I called them again and they said their " investigation results '' show that I got {$600.00} of the money so I should only get {$200.00} credit. 

This is wrong. I got {$0.00} from the withdraw and {$800.00} was deducted from my account. No matter what their investigation says there must be some mistake with it.
Product: Debt collection

In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) PORTFOLIO RECOVERY ASSOCIATES LLC is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too portfolio recovery associates llc.. I informed portfolio recovery associates llc that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a XXXX debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against portfolio recovery associates llc
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transcations were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my transcations.
Product: Money transfer, virtual currency, or money service

The past XX/XX/XXXX I was contacted via XXXXXXXX XXXX  from a person that is like family requesting a transfer of {$180.00} to be paid via XXXX XXXX to another person named XXXX XXXX to the number XXXX. After the transfer were made I reach out to the person to confirm that the transfer were made and in that moment I was informed that the XXXX was hacked and the real person was not the one requesting the transfer. 

I contacted Banco Popular on XX/XX/XXXX to explain the situation and raise a claim but they open the claim as a no authorized transaction and resolved the claim stating that the transfer was authorized because was made from my main phone number. Clearly this resolution do not fit to my claim. I called the back to reevaluate the claim but the answered with the same resolution. 

In the first call the person who take the claim informed me that was more transactions with the same amount received to the same number where I sent my transfer what confirms me that i was a victim of scam scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$440.00} ; CAPITAL XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : -.
Product: Payday loan, title loan, or personal loan

I was a loyal customer with Lending Club. A payment of {$680.00} was drifted from my account on the 27th of each month for almost two years, thus, I was never late with my payments on a loan of {$20000.00} I took out in XXXX of XXXX. However, last year I went through a divorce and on the advice of my attorney, I called my creditors, and explained that my income was now cut-in-half and asked if a hardship program was available. All of my creditors immediately enrolled me into all hardship program, all except for Lending Club. I was told by a Lending Club customer service representative that Lending Club did not offer a hardship program. 

Today, XXXX XXXX, XXXX a representative from the debt collection agency hired by Lending Club called for a payment on my account. After I explained to her why I did not have the finances to bring my account current she asked why I did not asked to be enrolled in the hardship program. Hearing this, I was surprised! I explained to her that I had asked to be enrolled in a hardship program in XXXX, but was told that Lending Club did not offer a hardship program for its customers. After speaking to the debt collection representative I called Lending Club. I wanted to know why I was not enrolled in the hardship program when I asked back in XXXX. I was told by a Lending Club representative that recipient for the companys hardship program was selected electronically. I was also told that the debt collector should not have even mentioned the hardship program to me. 

I truly believe that I have been discriminated against. I do not understand why the process of selecting customer for their hardship program was never explained to me. I do not understand why I was lead to believe that a hardship program was not available to me and I do not understand why the debt collection agency was not supposed to tell me about the hardship program. 

Today, I am over 120 days late with my payments. My account has been outsourced and I owe Lending Club over {$2000.00} to bring my account current. Because of the late payments reported by Lending Club my once excellent credit has fallen below XXXX and I was denied the refinancing of my home, which I had hoped to get approved to finally pay off the Lending Club debt. I know if I was enrolled in the companys hardship program ( which I now know is offered to other customers ) all of the above could have been avoided. I want to pay my debt, but how can I do so, if I am not given the same opportunity as other people facing a hardship like myself?