23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

procollect , inc contacted me stating that i owe {$530.00} for a rental payment to XXXX XXXX on XX/XX/XXXX. The rental was in my roommates name and he handled all payments. When we left, we confirmed all outstanding debts were paid to XXXX XXXX. We both have also never received statements or alerts to the effect of us continuing to owe money to the apt . complex. on XX/XX/XXXX i sent an email to the collections agency to the email they provided requesting proof of debt. no response was ever provided for account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX  account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.
Product: Credit card or prepaid card

My complaint # is XXXX. The following is an update. 
I received a Computer Reply to the Complaint. Once again the have not responded to my question. They are dunning me for {$230.00}. I have agreed to pay that amount provided they verify that I made the purchases in this amount including to whom requested. Thus far they have not answered my question which leaves me to believe the charges are False I am XXXX yeas old and would hope you will help me. 
By the way, Capitol One has reported me to the Credit Agencies.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn'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 a account without my written instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Account : Attorney General-Chi Account Number : XXXX Date Opened : XX/XX/year> Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Debt collection

I was left a message on my phone numerous times about a capital one dept they said I owed for over 5 years. I have never had a capital one card and I never will. There is no way that I owe them one cent. When I called and asked why they kept leaving rude messages that I owed XXXX dollars and that I would be sued for it if I didn't respond. The woman hung up on me. I called back and she said I will see you in court and that I could explain to the judge. The phone number is XXXX XXXX XXXX. I never got anything in the mail about any bill and when I asked to be sent one with what they said I owed and the amount and the credited she said they have already sent that and that " I'll see you in court ''. I asked what address they they had that was supposed to be mine and she again said I'll see you in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES
Product: Credit reporting or other personal consumer reports

Good day! 

I applied for a loan with XXXXXXXX XXXX. I put XXXX XXXX XXXX as a dealership that I was interested in. This dealership ran my credit report with four other lenders without my permission, one was with XXXX who had already given me approval. It shows up on my credit as : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They had no permission from me to do so and my credit was hit hard. I would like those removed from my credit and perhaps a chat with that dealership to ask them not to do this to others. Thank you for your time! 

XXXX XXXX
Product: Debt collection

Over the last 5 days I have told them to stop calling me. They have continued to call up to 3 times a day, 7 days a week from an unlimited supply of numbers. 

I owe you nothing. Do not call me.
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered the accounts that need to be deleted ; XXXX XXXX, Accounts Balance {$730.00} ; XXXX XXXX XXXX XXXX, Accounts Balance {$660.00} ; XXXX XXXX XXXX XXXX, {$930.00} ; XXXX XXXX XXXX, {$290.00} ; XXXX XXXX XXXX XXXX, {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has reported different information to both XXXX and Equifax. On Equifax it is showing perfect payment history and account reflecting close and paid satisfactory. With XXXX they are reporting derogatory with all late payments. Both XXXX XXXX Equifax are saying the account has been verified yet different information is being reported. I have never had an account with this XXXX XXXX XXXX and the information they are reporting is conflicting and very different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was leaked in a data breach.
Product: Checking or savings account

Re : XX/XX/XXXX & TODAY, XX/XX/XXXX TWO DATES, TWO COUNTS : The contract fraud and the invasion of privacy : Without prior consent and agreement Capital One modified the normal method I gain access to the account and now requires me to waive my right to privacy through an intrusive message prompt instructing me to call them at XXXX if I need help. 


They offer three options but block the option I choose to use.

Capital One can not show any agreement between us where I consent to communicate with them by telephone or text. 

To do so waives a right to privacy when the connection begins with their use of an automated voice device that introduces the caller to the system guide that will confirm the waiver with each step. Next an audio message discloses the callers ' voice will be recorded during the call and lastly location identification of the caller is collected & stored. 

The blocks are abusive and negligent, and violate my rights under the ADA. 

They must correct their error and the pattern of negligent, intrusive and interference with my financial duties & responsibilities.
Product: Credit card or prepaid card

On XX/XX/2022 someone used my Chase XXXX Rewards Card for an XXXX purchase of {$420.00}. I reported this to Chase as soon as I realized the charge, around XX/XX/2022 approximately. I had lost an old wallet that contained this card, and a few other credit cards. Even though XXXX, the merchant, recognizes this charge as Fraudulent as per the customer service call in XX/XX/2022, Chase refuses to credit this charge as fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4DAYS 15 USC 1681C-2, these accounts are not mine and I never lived nor received emails in the addressesreported. Also, I believe I did not sign any paper authorizing the inquiries. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

The XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX  Has Defraud The Consumer in Illegal Double Indemnity in First Third XXXX Purchase of {$25.00} on XX/XX/year> by Chip Reader Electronic Data Illegal Double Billing by Employee Embezzlement XXXX XXXX the Manager in Financial Fraud at First Third Credited The Claimant $ XXXX For Dispute In The Identity Theft Case # XXXX On XX/XX/year> To XXXX Member Checking Account and Reversed The Charges $ - XXXX and this Is Illegal Double Billing in Cybercrime at XXXX XXXX # XXXX In XXXXXXXX XXXX ( XXXX XXXX Manager in Identity Theft/ Fraud Double Indemnity by Illegal First Third Bank XXXX Indemnity )
Product: Checking or savings account

XX/XX/year> should have received {$1000.00} direct deposit from payroll. 48 hours late and capital one still hasn't provided funds
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1600.00} with XXXX XXXX XXXX XXXXI do not have a contract with XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Checking or savings account

I have a higher interest online checking account i had been using as a savings vehicle. I had it also auto paying my cell phone bill. I closed that cell phone account final bill deducted on XX/XX/year> and had not used that account since. I logged in on XX/XX/year> and discovered XXXX different fraudulent charges as follows : XX/XX/XXXX XXXX point of sale $ XXXX XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX I was issued " provisional credit '' pending a bank investigation. I faxed the claim written statement for each charge as requested. It took multiple faxes and also multiple uploads through the banks app to get acknowledgement as I was sent multiple emails after sending by fax and upload stating they had not received the statements. I requested contact info for each merchant and the first XXXX were both reached through XXXX number claiming to ba a third party biller for both " companies '' and was able to get promise of credit for the first XXXX fraudulent charges in this list, I received only credit for the {$190.00} and the other numbers were ut of service. XXXX XXXX XXXX is the " bank '' part of Customers bank i believe.
Product: Checking or savings account

The Truist Bank located at XXXX XXXX XXXX XXXX in XXXX North Carolina XXXX is abusing overdraft fees and incessantly charging customers unethically. Arranged configured alerts to notify customers of an overdraft are not being delivered timely and Truist is taking advantage of customers while offering no service or reasonable solution. 

The Truist mobile and online banking platforms erroneously market and sell real time updated data availability to their customers but are lying and fraudulently selling this service. Truist then entraps customers in a repeated overdraft fee cycle while falling to honor established alerting notifications that allow a customer to rectify the balances. 

" Truist online and mobile platforms do not reflect accurate accounting balances in line with what they market and sell. '' I was charged 5 consecutive {$36.00} dollar overdraft fees on the same day and time without a pre-configured and arranged alert message being received to notify me.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with the lack of action on your part regarding accounts on my credit report that are still in litigation. Ive contacted you numerous times to address these inaccuracies, and yet, nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Account on many occasions with XXXX, XXXX and Experian about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of identity theft. I contacted transunion, XXXX and XXXX  regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.
Product: Checking or savings account

At XX/XX/2022 at XXXX XXXX  I made a deposit to my chase account for XXXX in a Chase ATM. There was an error and the ATM told me the deposit was wrong, but didnt return any money to me. I called the number in the receipt, and they opened an investigation. I didnt hear from them so I called five days later and they told me that there is nothing to do, they closed the case without informed me. So I called again and they told me to submit a receipt to a fax number, so I did and I hacen hear from them since.
Product: Credit reporting

On XXXX XXXX, 2016 i have disputed several fraudulent accounts and Public Records that was listed on my Equifax Credit Report however after Equifax received my supporting documentation i.e. Police Report and Identity theft Affidavit and letter ( s ) sent to the Court, Companies and Creditor Equifax still refused to block the fraudulent accounts being reporting on my report. I have provided a listing of the companies and Public Records i disputed with Equifax below, 1 ) XXXX Bankruptcy XXXX Filed XXXX 2 ) XXXX Bankruptcy Court Filed XXXX 3 ) XXXX XXXX Special Civil Part Filed XXXX 4 ) XXXX XXXX Special Civil Part Filed XXXX XXXX ) XXXX XXXX Special Civil Part Filed XXXX 6 ) XXXX XXXX Special Civil Part Filed XXXX 7 ) XXXX Mortgage 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX 11 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not fix my credit report. I have called - I have mailed a letter etc.. 

XXXX  and XXXX  both list the correct information that I filed Chapter XXXX Bankruptcy and my case is confirmed. 

I called Experian and was given an email to upload documents - this does not work - I gave the women on the phone my Bankruptcy Case number - and I explained that the 12 accounts listed on Experian should not be on my account. Stated could not help me I had to prove I was in banakrupcty. I told her that why did the other credit bureaus have the correct information - no answer.

I wrote a letter and called. the Experian report is 100 points lower for my credit score than the other two reports.

It is bad enough that I had to file bankruptcy due to a Health issue and loosing my job - but when you are trying to repair you credit and the credit bureau is making it worse.

Experian will not add the Chapter XXXX Bankruptcy and they are ruining my chances of even getting a secured credit card or a decent job.

My finances are effecting my car insurance - homeowners insurance and I am currently seeking employment and they are using Experian and the information is incorrect ( New Jersey ).

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is to attest that the below authorized checks totaling {$1800.00} ( XXXX XXXX XXXX XXXX XXXX U.S. DOLLARS ) were paid through Bill Pay via my banker, XXXX  Unfortunately, the checks were unpaid and remained outstanding, as the beneficiary ( LBDI ) did not receive the funds. The checks are : 1. XX/XX/XXXX {$200.00} XXXX XXXX XXXX 2. XX/XX/XXXX {$5000.00} XXXX XXXX XXXX 3. XX/XX/XXXX {$6500.00} XXXX XXXX XXXX 4. XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX 5. XX/XX/XXXX{$500.00} XXXX XXXX XXXX *Please note that on XX/XX/XXXX, I submitted copy of the check for prompt payment, but to date, you have not honor the request ; the letter was confirmed by the USPS on XX/XX/XXXXto be in your care.

In lieu of the above, kindly return the funds, as XXXX  confirmed that you are in the possession of the funds ; copies of the checks from XXXX payable to you are attached for your information and records. We look forward to an amicable resolution of this matter.

Kind regards, XXXX XXXX ACCOUNT HOLDER WITH XXXX Home : XXXX Email : XXXX
Product: Credit card

Throughout this account 's history, I've consistently made timely payments, ensuring they never become overdue. However, I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these discrepancies should be rectified.
Product: Vehicle loan or lease

The company has failed to correspond regarding an account that does not belong to me. The number that I was provided no one never answers. I also have disputed the account with the credit bureau and have attempted several times to do a direct dispute with the original creditor and the collection but they have failed to respond.
Product: Debt collection

I have reached out to the debt collector multiple times, showing them proof the contractor did not do the work they are claiming. I have asked them multiple times to send any kind of proof that the contractor did any of the work they fraudulently claim. They never send any proof. 
I have also asked them 5 times now to take me off their automatic emails, and they refuse to do it. Claiming I gave the contractor my email, so they can now use it. 

XXXX XXXX XXXX is committing fraud by attempting to charge for work they never did. Richard Stone is committing fraud by attempting to charge for " {$50000.00} Arbitration/Investigations/Interest/Administration '' There has been no arbitration, investigation, they have no claim on interest ( because nothing is owed ) They are also threatening to file lawsuits, liens, charges with the State of Texas and credit bureaus. Richard Stone has been highly abusive with their communications.