23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One Card failed to investigate and act on the facts of this dispute, Capital One, Case # XXXX : Fact # 1. ) On XXXX, I XXXX XXXX attempted to purchase a PRODUCT ( XXXX XXXX XXXX XXXX ) online from this merchant, XXXX XXXX XXXX, at the price of {$39.00}. 

Fact # 2. ) I, XXXX XXXX telephoned thisXXXX  online merchant- within XXXX minutes after my Capital One Card was charged for {$270.00}, instead of the expected {$39.00}, I spoke with the merchant 's customer service representative, XXXX who stated that she was having a problem with her computer, and could not send the cancellation email at that time, but stated that she would email me the cancellation confirmation to show the credit to my capital One card for the {$270.00}, with-in XXXX hours. 

Fact # 3 ) On XXXX, I properly submitted a dispute for this illegal charge of {$270.00}, by XXXX XXXXXXXX XXXX, with Capital One Card - after 10 days had passed, with no email from the merchant, nor no credit for the {$270.00} appeared on my Capital One Card as promised by the merchant 's customer service representative XXXX. 

Fact # 4 ) On XXXX Capital One issued their so-called update on my dispute with XXXX XXXX XXXX stating that the merchant had provided information to support the transaction : Statement from the merchant, ( " Confirmation showing no cancellation per policy was received, '' ) and they were reapplying the charge to my account, 30 days after I submitted my initial dispute, of the {$280.00} illegal charge. Capital One further stated that if I wanted to continue with the dispute, I would have to send a letter with certain information and documentation prescribed on their update letter, within 14 days, by XXXX ( This requirement was complied with. ) Fact # 5. ) Capital One 's notice letter to me to respond to the merchant 's reply to my dispute, by XXXX. This date allowed me less than 14 days to prepare my response and gather the documentation that would show proof of my cancellation telephone call to this merchant. Thus, I complied with Capital one 's required procedure for my dispute. 

Fact # 6. ) Cap One Totally disregarded all documented factual proof I had sent to them by their deadline of XXXX. 

Fact # XXXX. ) Capital One did not comply with their own terms and agreements as stated per their stated policy on the Capital One statements. ( *See Capital One XXXX ) Fact # XXXX ) I see no need to upload any documents here, as Capital One already has all documents sent to them related to this case. 

Capital One Case # XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a new XXXX XXXX. I paid {$20000.00} down and financed {$10000.00}. I paid off the {$10000.00} and the check cleared my bank XX/XX/XXXX. I have made several requests trying to get the lien release sent to me so that I can register and title the car in my home state of MN with a free and clear title. The interest was paid in full and their records indicate XX/XX/XXXX. I have requested a XXXX balance letter and have been denied that as well. He placed another request for this today. 

I have made several calls to GM Financial and have been told as many different answers. Each time I speak with someone I am told something else.
Product: Debt collection

In XXXX of XXXX, XXXX XXXX XXXX XXXX came to my home to troubleshoot a problem with my XXXX refrigerator. The technician who came did not do anything or order parts, and did not provide a detailed invoice with the services completed during his visit. I was charged {$100.00} for unknown services, which I disputed right away in XXXX, XXXX, and now XXXX. XXXX XXXX XXXX has referred my amount due to The Receivable Management Services, LLC in XXXX, and has denied my dispute. In the pictures shown below, there are no copies of an invoice or receipt for any work completed. I have been a customer with XXXX for over 15 years, or longer, and I have always received an invoice to sign whenever a technician came to my house to fix my refrigerator or washing machine and dryer. Someone has always been present at my house to let the technician inside, and has always been left with a receipt. This is the first time they have either attempted to scam me, coerce/extort me into a payment, or invalidate my dispute.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 they are false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I have a credit file that spans more than 3 decades. I have XXXX 30 day lates, on any credit bureau. I have done volunteer work for years to teach the importance of good credit. This is my only XXXX and it is inaccurate. My complaint is about a collaboration that involves THE COTTAGES OF XXXX, PROCOLLECT INC., and XXXX. My son lived in an apartment complex, THE COTTAGES OF XXXX. He was in college and I was paying his bill. The Cottages of XXXX sent inaccurate statements. Based on conversations with their employees, it is my strong belief that they were charging people for things that they didn't owe and hoping that the people would pay anyway. They were using the threat of, turning people over to a collection agency, as a weapon to get the consumer to pay for these charges that they don't owe. I am no fan of being extorted and I challenged them on the charges. It took many conversations and many emails ( hours on hours of time ) but they finally admitted that the statement was wrong and sent me a statement that was at least closer to correct although still inaccurate. After giving them sufficient time to charge me only what I owed and multiple calls, I decided to cut my losses and pay. Ultimately, I paid more money than I actually owed in order to move on with my life and they still turned it over for collection. Even with a zero balance. The collection agency is PROCOLLECT INC. I have sufficient information to prove that my being turned over to them was unreasonable but PROCOLLECT INC seemed to have no interest in the truth. PROCOLLECT INC. filed derogatory information to XXXX which added it to my report. I disputed the derogatory information to XXXX even though they made it extremely difficult by having check boxes with information about your situation and none of the information beside the boxes fit my situation. They give you a box for " other '' and the ability to describe your situation but allow too few characters to adequately describe it. Later they will allow you to upload documents but limit the documents to too few pages for a case where many emails were written and received. The collaborated extortion seems to work like this : THE COTTAGES OF XXXX charges amounts not owed. If consumers pay them, the scam ends there. If consumers don't pay them PROCOLLECT INC. is all too happy to, for a fee from the consumer, to collect the extorted money. If the consumer is unhappy with getting extorted by PROCOLLECT INC., the extortion continues to XXXX which I assume is being paid by PROCOLLECT INC with a membership fee. This collaboration is good for everyone but the consumer which assumes that they have limited ways to fight. As an example, I contacted XXXX today and I spoke to 6 different agents. Each time that you get transferred to a different agent, they ask for lots of information. It seems that they assume if they transfer you to enough agents, which take enough of your time, you will just give up. The collaborators win. The consumer loses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Product: Mortgage

I made a payment for my monthly statement balance on XXXX and an additional payment of XXXX on XX/XX/year> that was not on my statement but that representatives told me verally by phone I needed to pay to bring my account up to date. Despite these payments, I have received another late notice and my account still displays as past due. When will my account show as current? When will I stop receiving late notices?
Product: Credit reporting or other personal consumer reports

Medical bill sent to collections being reported on credit for several months affecting my credit score. Disputed to the 3 bureaus the incorrect and inaccurate info which caused my score to drop XXXX pts. Was told the information was correct. After months of contacting the medical office and requesting a pay to delete, they confirmed amount incorrect and should have never been reported. A few days later it was removed from my credit but the XXXX it's were not given back for the error in reporting.
Product: Debt collection

I have provided opt-out via keyword STOP two times and the third-party collection agency continues to opt me into receiving texts. I have never opted in and do not recognize the agency, NRA Group , LLC.
Product: Debt collection

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
EDFINANCIAL XXXX XXXX XXXX EDFINANCIAL XXXX XXXXXXXX {$0.00}
Product: Credit reporting

I HAVE HAD IDENTITY THEFT. SOMEONE OR MULTIPLE USERS RAN MY CREDIT REPORTS AND SOLD IT CAUSE I HAD PROBLEMS WITH PEOPLE COMMITTING FRAUD THAT I REPORTED TO THE POLICE AND THE XXXX XXXX XXXX. MY HUSBAND ALSO HAD MISUSED MY INFORMATION TO GAIN ACCESS TO MY ACCOUNTS AND GOT INFORMATION TO SCAM ME OR TO HURT ME. HE ALSO USED INFORMATION TO GAIN ACCESS TO MY ASSESTS AND CHILDRENS SOCIAL SECURITY BENEFITS. HE HAD ACCESS AND HACKED INTO ALL MY INFORMATION IN CYBERSPACE AND TELEPHONE NUMBERS. ON HIS ACCOUNTS AND MINE AS WELL. I HAVE HAD TO GO THRU SO MANY EMAILS AND PHONE NUMBERS BASED ON THE FACT I COULD NO LONGER ACCESS THEM. HE WAS UP TO SOMETHING THAT SEEMED FISHY BUT I DONT HAVE IT YET SPECIFICALLY.
Product: Debt collection

I am still misunderstanding. 
I do not understand the reason ( s ) my medical insurance was not billed, instead of me.

And if I had none then I should of not been seen by a doctor ; unless proper billing was covered and issued as my possibility to be seen.
Product: Debt collection

I NEED HELP WITH THIS. THIS IS GOING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. PLUS, I've never received the disclosures and required documents that I have requested for months now. I circled the internet and I came across the case attached where the plaintiff asked for the same thing and the company named failed to provide. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit a dispute through XXXX  for incorrect spelling of my name. I was unable to submit a dispute online.
Product: Mortgage

I applied for my first mortgage loan for a new build with HomeAmerican Mortgage Corporation through XXXX XXXX after they assured me my excellent credit would be enough to qualify me for a $ XXXX home in XX/XX/XXXX. They did not check bank statements after being approved for the loan. They gave me an estimated monthly mortgage payment of {$2100.00} and did not ask how much I am putting down on the house. They required I pay the earnest deposit of {$3900.00} to secure the home because property was selling fast. I did so and received estimated costs of mortgage to be {$3300.00} nearly 6 months later, when the home was closer to being built. Unfortunately, I bring home {$4300.00} a month and can not afford this {$3300.00} payment. HomeAmerican Mortgage knew the amount I was bringing home because they checked my XXXX and pay stubs. 

When the home was near completion in XX/XX/XXXX I was asked to join the closing meeting, to which I informed my loan officer and sales representative at XXXX XXXX that I am unable to pay this mortgage. They have since stopped communication with me and I have asked for the earnest money of {$3900.00} back and the Senior Division President at XXXX insisted that my deposit was only transferrable to purchase another XXXX XXXX. Since then, they have marked my application for the home as " Buyer 's remorse. '' After this incident, I have researched that I should only qualify for up to {$340000.00} based on my check stubs. Without having done their due diligence of checking bank statements, savings, assets, etc., I believe I am a victim of predatory lending. I even confirmed with another mortgage company, XXXX, and they informed me that I only qualify for up to $ XXXX. In this case, I only want my deposit of {$3900.00} returned and nothing further. Please help. Thank you!
Product: Debt collection

I received a Judgment from AAA Collectors , Inc . They sent me letters on XX/XX/XXXX and XX/XX/XXXX, according to their office. I had just moved to my new residence in XXXX and told them I couldn't get mail because the mailbox has a lock and there was troubles with the post office assigning the incorrect mailbox. I never received any letters from them. Then fast forward to this XXXX in which I missed a court date in XXXX to defend myself because I did not receive the summons from AAA collectors. They have advised that an XXXX XXXX hand delivered this summons to me on XX/XX/XXXX which is untrue. I have never received a summons hand delivered to me, thus making me unaware I had a court date. I called AAA Collectors , IncXXXX and asked them to call their processor to verify his statements as he lied about hand delivering me a summons. They refused to do so. I am asking the judgment be removed and my credit be fixed. They are charging me {$160.00} in interest and {$170.00} in court fees.
Product: Debt collection

I received a threatening letter from First Point Collection Resources Inc to put a debit in the amount of XXXX on my credit report I didnt recognize, this debit had already been removed from the original collection agency as I had also requested validation for the debit that they couldnt provide. I then sent the same Debt Validation Letter to First Point Collection on XX/XX/XXXX, they received the letter on XX/XX/XXXX. The letter requested. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a letter back from the company on XX/XX/XXXX and none of the requested documentation was in the letter. Included in the letter was a print out from a website, that include my name & the account in which they are saying is mine and the charges. This letter doesnt include a letter head or anything on where its coming from so for all I know they could had made this letter in they office. I then called and spoke to a man who stated that is all they had to provide to me to show validation, I let him know that a lawyer would be in contact due to the fact the requested documentation wasnt received and the debt validation stated Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. The agent became very disrespectful after he stated he couldnt continue the call with the lawyer & disconnected the line when I continued to question why I wasnt allowed to have this information if they are saying this is my debit.
Product: Credit reporting or other personal consumer reports

Starting in XXXX i have sent several dispute letters to XXXX with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per XXXX  the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with XXXX and i would like my credit file updated and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXX UTILITIES ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX OF XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX Original creditor : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Midland funding has lied about service ( I have proof- they claimed to serve an ex husband and he not only never lived in this state but the description is way off ) they never served papers, postmarked an envelope for XX/XX/XXXX, obtained a writ on XX/XX/XXXX on a judgement by default from XXXX which again I was not served and had no knowledge of the debt.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX of this year 2021.I noticed a large deposti on my account in the amount of XXXX dollars, the check was still pending but someone started removing the money via atm withdrawals and what look like point of sale withdrawals, they took out a total of XXXX dollars to the best of my knowledge, i called the bank on monday as i could not reach no one on the weekend, i was told they would open a case and they would get it resolved within 10 days or at least offer provisional credit, the following friday, the bank said they would decline the check and everything would be fine, i recieved my pay checks on the friday folowing and the bank took XXXX XXXX dollars of my money to pay for the withdrawals that i had filed a complaint on, i recieved a call from a bank represenative by the name of XXXX XXXX XXXX XXXX said that my claim had been denied because i used my bank card a couple of times after i made the complaint, i was never instructed not to use it, they just told me to change the password, i believe this was just a ploy to restart the claim so provisional credit wouldnt be issues, i have called everyday for 10 days and no one has been able to get this resolved, i have spoken to roughly XXXX agents at PNC on XXXX phone and in person and no one seems to know what they are doing or how to help me
Product: Credit reporting or other personal consumer reports

Per 31 U.S. Code 3104 Certificates of indebtedness and Treasury bills ( b ) Notwithstanding section 3121 ( a ) ( 5 ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue. Which stipulates 31 U.S. Code 3121 Procedure : ( a ) In issuing obligations under sections 31023104 of this title, the Secretary of the Treasury may prescribe ( 1 ) whether an obligation is to be issued on an interest-bearing basis, a discount basis, or an interest-bearing and discount basis ; ( 2 ) regulations on the conditions under which the obligation will be offered for sale, including whether it will be offered for sale on a competitive or other basis ; on the basis of this the company did not report accurately in fact is in violation of 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' They did not get my written, verbal or electronic authorization to conduct or report to any which also puts them in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. With this all being inaccurately reported is in fact a violation of the Privacy Act of 1974. This account is an adverse item they are reporting again without my permission which is against the law.