23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After I graduated from college I wrote to my debtors to set up payment plans once I got a job. I sent {$25.00} to XXXX XXXX and they returned it stating it wasn't enough like its the only debt I had! So I didn't ' pay it. Now it is over 11 years old and should be erased from my life. Well, the debt was sold to Gurstel Law and they have been harassing me since. I started paying them, not efficiently but paid. They then put a judgement on me and now garnishing my wages. 
On XX/XX/XXXX they called again and spoke with the front desk girl and said " calling on XXXX  ... .. XXXX  ...., we have not received any payments on her garnishment. In fact I can prove that I have made at least 3 payments as requested. 
According to AZ laws, they can not harass me at work, defamation of character and abuse. If you see their reviews they are harassing a lot of people who are already paying on their debts. This company ( Gurstel ) are just bullies and should be stopped.
Product: Credit card

I applied for a Capital One Credit Card to help raise my credit score. I made very small purchases on my Capital One Credit Card, and paid these small balances off immediately, even before my statement due date. I was under the impression that I was making a valiant effort to repay my debt. There was an error in my bank information resulting in my payments being returned. When I noticed this action I immediately called Capital One to resolve the issue. Upon resolution, I was guaranteed there would be no negative action on me including late fees, negative credit reporting or closed account. The next day I found out my card was placed under fraud alert, due to my returned payments, which I corrected the day prior. Capital One needed to verify my bank information, which I complied with, and confirmed a few days later. The payment was withdrawn from my bank account. After my bank account was confirmed, my account with Capital One was closed. I AGAIN called Capital One to figure out why my card was declined, I was informed my account was closed. I spoke to at least 10 managers and more than 20 representatives during my phone calls, and was assured over and over my account would be okay. I was told I would receive a call back by many representatives. I was told I should expect a call back within 3-5 business days, it has been 7 business days since my last phone call. I have done everything and more expected of me to resolve any issues with Capital One, including initiating phone calls when something was wrong with my card. The guarantees provided by Capital One have not been honored, or valid. The customer service provided by Capital One has been horrendous, and no one is willing to help me with this issues. I have spent over 20 hours on the phone trying to resolve these issues. I have been the one to initiate the phone calls, and try to get a resolution. I believe Capital One is unwilling to help their customers, and wrongly closed my account causing : loss of time and possible damage to my credit. Had Capital One notified me of any suspicious activity I would have been able to resolve these issues immediately. The notification of Capital One is the reason I am in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion and the representative told me that they could not help me. 
The undermentioned inquiries are either duplicate records or unauthorized. 

XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE XXXX XXXX 2017 XXXX ( DUPLICATE ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE )
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). C

hester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C.

1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
No TYPE OF ISSUE Credit inquiries on your report that you don't recognize XX/XX/XXXX, XXXXXXXX XXXX Complaint Print XXXX XXXX XXXXconsumerfinance.govXXXX XXXX XXXX comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2 all these inquires are from auto dealers i did not authorized please help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX  # XXXX the dates were XXXX. My SANTANDER CONSUMER USA # XXXX the dates were XXXX, XXXX - XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Product: Checking or savings account

My checking and savings account with Citibank was put on Hold / Account Frozen status on XX/XX/XXXX without any reason given. I was prevented from accessing any of my money which I needed to live, for rent and food etc. 

On XX/XX/XXXX I was told if I drove to a branch that would be the only way I could withdraw money. I drove almost an hour to the nearest Citibank branch, spent over an hour with the banking associates there, only to be denied access to money again. 

I made two more calls on XXXX and XXXX only to be told different stories each time. The first representative told me my account had been closed and I would recieve a check in mail in 7-10 days. When I made a follow up call on XXXX I was advised my account was still open, but on a hold/ frozen status and that I wouldn't recieve my money for 30-60 days. 

I have kids and a family and I need this money to survive. They still have given me no reason as to why the account was placed on hold or frozen. Each department blames it on the next and I have not been given any final conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ XXXX  days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than XXXX  % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER continues to inaccurately report information to XXXX and XXXX. I have pointed out several inaccuracies on this account to the credit bureaus and Santander. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter Santander claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Credit card

We got approved for 0 % for 15 months and we started to use the card from Capital One. None of our statement mentioned when it is going to expire ( 0 % ). And suddenly we got hit by 24 % interest. We did not receive any email, mail or in the credit card statement. 

I checked my XXXX XXXX  credit card statement and it mentioned the expiration date of 0 %. 

Please be aware of this kind game financial institution plays.
Product: Checking or savings account

I'm victkm of identity theft Disputes # XXXX ; ; {$250.00} Disputes # XXXX ; ; {$2000.00} Disputes # XXXX ; ; ; {$1100.00} All unauthorized transactions need to with proof of my authorization on account to other merchants XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX XXXX XXXX XXXX  I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 at XXXX I initiated a transfer on Coinbase exchange of XXXX XXXX from my Coinbase Multi-syg vault to my Coinbase XXXX wallet. My intent was to transfer this amount to my XXXX Wallet and then transfer off the exchange prior to XX/XX/XXXX, in order to receive XXXX  currency during the XX/XX/XXXX XXXX XXXX. Coinbase previously sent instruction that if users wanted to obtain XXXX currency they would need to transfer money off the exchange as Coinbase was not supporting XXXX. Legally it is questionable whether Coinbase has the ability to even withhold XXXX. Common law dictates that products of an asset belong to the owner of the original asset. Furthermore, Coinbase, Inc has not explained what it plans to do with the valuable XXXX tokens it acquired following the hard fork. However due to Coinbases ' instruction, on XX/XX/XXXX, it led me to transfer the funds on two occasions from my Coinbase vault to my XXXX wallet using the protocol offered by them. However, on both occasions I received an error message when I clicked the approval button. In response, I decided to cancel the transfer the coin, while I obtained customer support ( I clearly stated in my customer support ticket on XX/XX/XXXX that my intent was to secure XXXX currency ). After canceling the transaction by selecting the cancel option I received a confirmation email to confirm the transaction was canceled. However, since that time my XXXX multi-syg vault and XXXX wallet both show {$0.00} balance and I have lost access to the XXXX XXXX funds. My account continues to show the transaction as waiting for approval yet provides no options. I have written numerous support tickets in an attempt to resolve the issue, that have not been responded to by Coinbase support. I attempted to use XXXX mult-syg tool in order to also obtain access to my multi-syg vault, using my public/private keys yet the tool was ineffective. I repeatedly wrote tickets to XXXX support for over 5 consecutive days yet have received no response other than an automated response acknowledging receipt of ticket. Due to Coinbase negligence and unresponsiveness I was unable to gain access to my funds prior to the XX/XX/XXXX XXXX and therefore unable to obtain my XXXX coins. It has caused me significant emotional stress and inability to utilize my funds.
I still have not heard back from Customer Support.
Product: Checking or savings account

Hi this is an on going issue that has been going on since XX/XX/XXXX. Chase has closed this case because they feel I had something to do with this. I had fraud activity going into this account. They took my paycheck to cover the funds. I feel that Chase did an extremely poor job on investigating this matter. They want me to pay the remaining balance of something I had nothing to do with. 

I still get these emails saying someone is trying to access this account. This is clear that these scammers are doing this and you guys don't want to rectify this situation. They want me to pay for something I didn't do. This is the third email I got about regarding an account that I no longer have access to or the card. I cut the card up once you guys failed to help me on this. Attached is the email I received. I can't pay this amount because I'm currently losing my apartment which is a result of this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Since XX/XX/XXXX I have had numerous inquiries on my credit report by Chase Bank, Chase Card, XXXX XXXX XXXX XXXX, and XXXX Credit Card by Chase. These seem to all be related to Chase. 

XXXX on XX/XX/XXXX & XX/XX/XXXX ( other dates were removed ) XXXX on XX/XX/XXXX ( other dates were removed ) I contacted Chase twice to let them know I have never applied for a card for them or for an XXXX credit card with Chase. I asked if they would provide me the information used to apply using my name but was denied the data. Twice they placed a 90-day hold but each time it is lifted a new inquiry shows on my credit report. I have also contacted the credit bureau to have them removed off my report and to have a note but do not see one listed. 

A number of years ago I closed my banking account with Chase Bank due to the bank releasing funds for a bill I did not owe using an old debit card number. Is there any way I can get Chase to halt these inquiries? 

Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$25000.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/year> Exquifax and XXXX haven't updated my report. I have a balanced or {$920.00} on both reports. I have paid my balance and had inquiries deleted that should still be on my report.