23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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 : XXXX XXXX XXXX Original Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights I have received 11 collection letters by email on these dates with 2 different account numbers and different amounts I should pay XXXX Balance {$230.00} - Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX {$290.00} -Acct # XXXX XXXX {$230.00} -Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX : {$530.00} -Acct # XXXX XXXX : {$230.00} -Acct # XXXX XXXX : $ XXXX Acct # XXXX XXXX : {$290.00} -Acct # XXXX 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.

15 U.S.C. 1692C Withoutthe priorconsentof the consumergiven directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate witha consumer in connection with the collection of any debt
Product: Credit card or prepaid card

I Did NOT purchase the area rug that was delivered to my residence. 
Since I did NOT purchase this particular area rug, I returned it to XXXX XXXX. 
I will not pay for something I did not purchase, and CapitalOne has an obligation to protect my rights under the FCBA. 

CapitalOne keeps going in circles around the crux of this matter and does not address the fact that the merchandise is in the possession of XXXX XXXX. 

The Law is specific in that I do not have to pay for something I did not order. And as a matter of fact, an email has been submitted to capitalOne from XXXX XXXX admitting that they do have possession of the area rug. 
Shame on CapitalOne for not following the scope of the law and various statutes.
Product: Money transfer, virtual currency, or money service

Moneygram ref # XXXX Transaction Date : XX/XX/2024 XXXX XXXX. Amount sent {$4000.00}, exchange rate XXXX XXXX XXXX XXXXXXXX XXXX As I'm writing this, the money has not made it to my sister 's account yet and my mother is still waiting to receive medical treatment. I have tried to get my money back so that I can send it with another agency but they refused to it back and still will not pay it into my sister 's account. I have never had this type of problems with anyone else before, it's been 3 days.
Product: Credit card or prepaid card

I had a Citibank credit card for several years which I cancelled in XX/XX/2018 XXXX last 4 digits of card were XXXX XXXX. There was never a late payment during this period although balances frequently ran in 4 figures ; during this summer I was allegedly late by 1 month on a {$57.00} balance. I spoke to Citibank employees both at their branch in XXXX XXXX, XXXX and over the phone, and was led to believe that they had agreed to waive late charges and interest on this account in return for my paying 2 merchandise charges which the bank had accepted after cancellation of the card -- the bank did not honor this agreement. I have received constant bills for late charges and interest on this {$57.00} transaction, and these have now totaled over {$100.00}! In addition, I now receive almost daily robot calls harassing me for payment. I am XXXX XXXX XXXX and have certain XXXX conditions which are exacerbated by this constant harassment by Citibank.Their charges are obviously excessive, and as a matter honor I will not pay them. I will cancel my checking accounts at Citibank and want assurance that this annoying invasion of my privacy will ceas
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my TransUnion report that there is an unpaid collection account, XXXX XXXX XXXX. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$250.00}. I have never received any written documentation from XXXX, XXXX, regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report. This debt is invalid. Further, XXXX XXXX XXXX listed as the " Original Creditor '', has verified that there is a XXXX ( {$0.00} ) balance ; as you will see from the attached ledger from them, there was a " reversal of write off '' and paid by my insurance.
Product: Credit card

I received a call from my XXXX  XXXX credit card bank stating that someone had tried to open account under my name on XX/XX/XXXX, he was able to cancel the account and told me to call the three credit bureaus in which I have to freeze my credit report. This person also tried to open an account under my name with Wells Fargo XX/XX/XXXX, and an account with XXXX  XXXX XXXX at an unknown date but I believe to be XXXX weeks ago.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Credit card

Credit karma told me I had excellent approval odds for a credit card then denied me for no reason. Mislead me and lowered my credit score. Also tells me to can get loans but then declines everytime I have tried. Credit karma is a con -artist
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Contacted company they failed to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts 1. XXXX - XXXXXXXX XXXX 2- XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a 1099 cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.
Product: Debt collection

This month which is XX/XX/2020, I received a letter in the mail from Convergent Outsourcing stating I owed a debt of XXXX. First off I never heard of a company named XXXX XXXX XXXX. When I googled company it stated it was a Car Finance company and I never ever had, nor held an account with the company. This alleged debt is about to be placed on my credit report because Convergent Outsourcing thinks this alleged debt is mine. Unless they have proof that this alleged debt is mine, this alleged debt shouldn't not be placed on my credit report. I'm attaching a Debt Validation Letter to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX bank. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX that i need off. It was opened XX/XX/XXXX. There is also a debt buyer account that is {$500.00} past due on my XXXX report, from XXXX XXXX XXXX  ( first virginia ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Product: Credit reporting or other personal consumer reports

Greetings. This complaint is in reference to unauthorized information reflected on my credit reports with Experian and XXXX. Each of the following companies provided me with a Privacy form that clearly outlined what information could be limited in regards to the sharing of my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each privacy notice for the disputed companies clearly state : Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your CREDIT-WORTHINESS affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

These companies are not authorized to share my information with affiliates or non-affiliates. In accordance with the Privacy Forms provided, Affiliates are companies related by common ownership or control. They can be financial and non financial companies. Nonaffiliates are companies not related by common ownership or control. They can be financial and non financial companies. 

Experian and XXXX are non-affiliates by each company 's definition. Furthermore, each Privacy form provides a method to limit such sharing. I have followed the instructions per the Privacy forms and called and confirmed with each company that information about my CREDIT-WORTHINESS is NOT to be shared. Each company has confirmed that the necessary steps were taken, however these companies are still showing up on my credit report. This is a blatant violation of federal law and my rights as a federally protected consumer. I have attempted multiple disputes with Experian and XXXX yet no changes have been made. 
The activities of the mentioned furnishers have compromised the accuracy and integrity of information furnished to the consumer reporting agencies. By not honoring my request to limit the sharing of information regarding CREDIT-WORTHINESS, the companies are furnishing information that is materially misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my Chase a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago.
Product: Credit card or prepaid card

I bought a treadmill and took out a SEARS credit card for the same. To date, I have never received the card. I have only received one statement which I tried to pay at the store and could not. I paid via check for the first time. After inquiring with the creditor via phone, they agreed to send me the card and correspondence, but they have done neither. I have tried to pay at the store with my Social Security number, but no account appears registered to my SSN. They keep calling and harassing me and requesting that I give them access to my bank account so they can withdraw the payment. I want to make the payment but refuse to give them access to my bank account. If they can not even mail me a simple credit card, I fear what havoc they may do if I provide them access to my bank account.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Mortgage

My wife and I had a loan with Homebridge ( # XXXX ) and in XX/XX/XXXX decided to take advantage of the VA IRRL program and refinance to a lower rate. On XXXX, Homebridge responded to a payoff request by the new lender, XXXX XXXX XXXX. The payoff request submitted by Homebridge estimated a payoff of {$540000.00} if paid in full by XXXX on XXXX, after adding additional interest for the four days, XXXX XXXX a transfer in the amount of {$540000.00} to Homebridge . On XX/XX/XXXX, Homebridge issued a letter stating that our mortgage had been paid in full. 

On XX/XX/XXXX, Homebridge mailed out an escrow refund check in the amount of {$3000.00}, which was less than expected. Upon reviewing the annual escrow account disclosure statement provided by Homebridge, it indicated that {$2500.00} was subtracted ; however, there was no explanation in the statement was listed next to the amount. 

After 3 calls this past week to Homebridge 's customer service, resulting in over 6 hours of waiting time, a manager tried to explain that the reason that money was subtracted was because the payoff was less than expected and that it should have been {$540000.00}. I tried to explain that the payoff was requested by Homebridge and that they received the amount provided by them. At no time, was I notified that the payoff was short or that they would take this amount from my escrow account. 

I am waiting for an explanation from Homebridge but in the meantime, I believe I am due {$2500.00}. 

Thank you for your asistance in resolving this matter. 

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

Equifax reported 3 collections to my account all at the same time. Thus caused my credit score to drop 60 points. These accounts were all paid and show a XXXX balance on each account. I contacted all 3 collection agencies. All three stated they did not recently contact Equifax or update any information to my credit account.
Product: Vehicle loan or lease

I have received numerous letters from XXXX at Wells Fargo Auto Finance. She states the same, ridiculous thing in each letter. 'Wells Fargo gave XXXX XXXX XXXX the money ', this is true and a very stupid thing to do. When I got my XXXX XXXX from XXXX XXXX XXXX, I had to bring in proof of income, which was 3-6 months of Bank Statements to show I indeed have the means to pay on the loan. 

Wells Fargo Auto Finance failed to do this, so it`s Wells Fargo Auto Finance who made the huge mistake. I've also attached my Award Letter from SSA showing I`m XXXX, this is a Federal Letter from SSA . It doesn`t matter what amount was written down on the sales papers from XXXX XXXX XXXX . Proof of Income has to be attached before any loan of this amount should be given out. 

I suggest that Wells Fargo Auto Finance start looking at my Legal, Federal Documents that I have attached over and over again. This also need to be put through the ADA, and I have been denied the paperwork to fill out to show that I am, indeed XXXX  and live on a fixed income. I just got my Section 8 Voucher for Low Income people, so I have to move to an apartment that takes Section 8, I can barely afford to live here, and pay on this ridiculous loan that should never have been issued to a car dealership. 

I`m getting tired of stating the same thing over and over again, which all happens to be the truth. Wells Fargo had better do something else rather than send me the same stupid information. If this continues, I may have to seek legal assistance and I`m also entitled to a free of charge as I`m way under the poverty level. this vehicle can not be refinanced, and I can not do a trade in as the vehicle was never worth close to {$28000.00}. Wells Fargo Auto Finance should have asked for proper financial documentation, they didn`t need to be there as they have mentioned in one letter to me. 

Wells Fargo Auto Finance also should have known better, and looked at the XXXX XXXX XXXX Value of this vehicle, I don`t believe they did.
Product: Debt collection

NCB MANAGMENT WAS RECENTLY DELETED FROM XXXX XXXX XXXX XXXX NCB MANAGEMENT IS DISREGUARDING THE FCRA REQUIREMENTS FOR A COMPANY TO REPORT ON YOUR CREDIT PROFILE. THIS COMPANY IS STILL FURNISHING INACCURATE DATA TO XXXX AND INSTEAD XXXX DOING A ; PROPER INVESTIGATION I HAVE YET TO SEE THE REULTS OF HOW THEY VERIFIED AN ACCOUNT THAT WAS DELETED BY THE OTHER TWO CREDIT REPORTING AGENCY. THIS COMPANY IS VIOLATING 15 USC 6802 AND i WANT THEM DELETED OFF MY CREDIT REPORT.
Product: Debt or credit management

XXXX XXXX XXXX XXXX misrepresented their services. 
claimed they would negotiate with my debtors and the payments i sent them every month would go toward my bills, instead i found that nothing was done and the payments went towards " legal ", which means to me they charged for doing nothing and basically just ripped me off
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX owed : {$4500.00} XXXX XXXX XXXX  XXXX date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX  XXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters against the Credit Bureaus requesting that the Credit Bureuas correct my Credit File from erroneous information by updating, correcting, and removing the misleading information beinf reported on my Credit File. I have read that under the Fair Credit reporting Act, 15USC sections 1581i, the Credit Reporting Agencies are obliged to conduct and finish their investigation within 30 days, the time allowed by XXXX, or otherwise, the Credit Bureaus will be subject to investigation. On XX/XX/2022, I sent another Dispute letter to the Credit Bureaus requesting them to either correct or remove he erroneous accounts reporting on my credit file. As of now, I am submitting this CFPB complaint to remind the Credit Bureuas of my disputes and requests. Once again, I need the following erroneous accounts corrected and or removed from my Credit File as soon as possible : XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$22.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Our Wells Fargo mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. XXXX deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.
Product: Money transfer, virtual currency, or money service

-XX/XX/XXXX - I transferred {$10000.00} USD from XXXX account to my XXXX XXXX account that had been verified by Coinbase/XXXX. The website claimed this would take one business day, as it had for me in the past. 

-XX/XX/XXXX - I transferred another {$10000.00} USD from XXXX to the same bank account. 

- XX/XX/XXXX - I received one of the transfers. 

- As of today, XX/XX/XXXX, I am still waiting on the second {$10000.00} transfer. less the {$25.00} transfer fee. 

-Support has been essentially non-existent. I have sent 8 emails, 3 of which have been answered with canned responses, all with the same generic message : " We are looking into it ''
Product: Debt collection

Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus with regard to GM financial which is an account over 7 years old yet still being reported. With the las dispute they actually reported a date of XX/XX/2021. This is not in accordance with the fair use credit reporting act reference 609. I would like this account removed in accordance to the 7 year statute.
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 XXXX and TransUnion credit bureaus to validate this account ( 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"