23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to contact this company several time to ask for proof of debt and they have been unable to provide it.
Product: Money transfer, virtual currency, or money service

hello, i need help, becouse my account has been permanent limitation without any explanation. 

i already confirm my identy and them, i received a email about my account was permanent limited. 

i guess this situation is arbitran, i wish get help please. 
i never been asociate with any problem and now this just happend without explanation. 

You can no longer do business with PayPal ( XXXX ID - XXXX ) XXXX XXXX
Product: Debt collection

THE COMPANY, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). XXXX XXXX has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive faxed and mailed several letters to XXXX, Transunion and XXXX   stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to an adequate customer services and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was 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 a significant inconvenience and financial loss and I see appropriate red dress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was contacted by XXXX  XXXX XXXX ( with Drive-thru ATM ) informing me of withdrawals and deposits under my name. Not having an account with them, I was told the account would be closed and told to call a number, XXXX and told to call what I was led to believe was Zelle services. 

Their representative lured me into sending money under the guise it was a transaction code meant to cancel any transactions with them and to inform my bank of any potential problems. So they told me to input a code using the number XXXX and to the recipient XXXX. They informed me it would send an alert or email to my registered email or phone number with my bank. Of which nothing happened. They then informed me to do so again with what I thought was another code XXXX also to the the same recipient. They told me no money would be transferred and it was a formality. The name under enrolled was " XXXX XXXX '' and when asked who that was, I was lied to and told that was an accountant with that account. In Zelle, there were no confirmations but when performing both of these actions, it prompted a different type of confirmation from my debit/banking service requesting my PIN which has never happened before when using Zelle, further confusing and leading me to believe in what was happening as a legit process/formality. 

Looking at the pending transactions initially at XXXX instead of the numbers requested I assumed it was harmless until I look at the actions completed and the amounts of the numbers input XXXX + XXXX totaling {$1900.00} was withdrawn from my checking account. They informed me they would call back because it seemed like a technical error at which point I realized I had just been scammed. Calling back the respective number I had just called only confirmed, I had been scammed/tricked and that the number I called at the behest of somebody pretending to be from XXXX XXXX  XXXX ( with Drive-thru ATM ) and then pretending to be from Zelle were indeed fraudulent scammers.
Product: Debt collection

XX/XX/XXXX asked for proof and settlement they denied and got angry XX/XX/XXXX got proof of debt XX/XX/XXXX asked for payment plan options XX/XX/XXXX asked why no one has contacted me and are going forth into garnishment even with hardship. She put me on mute and then proceeded to see if I was there then proceeded to hang up on me.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent equifax and XXXX a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information. 

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to equifax and XXXX.
Product: Mortgage

PLEASE NOTE, THIS IS NOT A REPEAT-ITS A NEW COMPLAINT ON CAPITAL ONE Capital One, falsely claims that I never made payments for the months of XXXX, XXXX, and XXXX 2016. This claim is totally outrageous as the bank received, and cashed all those checks. 

I am requesting that Capital One adhere to they following : As a consumer, I have the right to ask that Capital One send me a print out of all payments received from me FROM XXXX 2016, and, detailing how/where payment was applied. Therefore, I want this sent to me. 

In addition, they should explain the meaningless charges on my account, like " what does 'other ' charge mean, and, what does this other charge called " other '' mean ( XXXX separate charges called " other ''? ) Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XXXX, XXXX, and XXXX 2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XXXX, XXXX, and XXXX 2016, and send prove of credit applied to the account. 

Please Note : That Capital One is quick to sight bankruptcy as an excuse for not complying and sending what is required of them. Therefore, let clear that now, I AM NOT IN ACTIVE BANKRUPTCY AND CAPITAL IS VERY MUCH AWARE OF THAT. 

SIGHTING THAT I AM IN BANKRUPTCY TO GET OUT OF COMPLYING IS OUTRIGHT SHAMEFUL THAT A BANK WOULD BE ALLOWED TO CONTINUE TO OPERATE IN SUCH A MANNER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid all my credit cards down to a XXXX  balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}
Product: Mortgage

I sent in a third party authorization to Planet Home Lending on XX/XX/2022. I received an email this morning from the lender that it was denied since both the borrower 's signatures were not on the authorization. This of course is against the law. Only one signature is required to discuss the loan. The borrowers have agreed to sell the home for a cash price and escrow has been opened today, the lender will be paid in full. We simply need enough time to close escrow and satisfy my client 's debt to the lender.They are willfully delaying my ability to discuss this loan and get an extension on the pending auction date of XX/XX/2022. XXXX XXXX XXXX XXXX XXXX and has difficulty just holding a pen, let alone producing her signature. That is the reason she didn't initially sign the document. This is obviously a cash grab by this company and they're willfully committing multiple violations of bank fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my credit report
Product: Debt collection

I received notice from my mortgage loan officer, since I am doing a refi, that my credit report, from XXXX XXXX, my FICO score had dropped significantly by 60 points! 

He stated to me, as result of a {$300.00} Collections on my credit score that I knew nothing about, I know I had return all my XXXX XXXX  XXXX, equipment by XXXX on XX/XX/21. 

I have the receipt from the local XXXX store. It was late, do to me getting sick last year, I called XXXX XXXX XXXX, on XX/XX/21, about my return immediately! of all my equipment and to remove the collection on me. The representative stated, once the next cycle hits, it would be removed. It never did. 

I called XXXX XXXX XXXX a second time on XX/XX/21, to check if they notify Sequium Asset Collection they said they are still waiting for another cycle! I am frustrated now, so On XX/XX/21, I contacted Sequium Assets, the Collection agency, They would not remove or do anything. I returned all equipment and proof, but this did not matter. The representative stated, I had to pay to remove the collection, which he offered me 50 % discount, to settle the collection. 

I mistakenly, by pressure by the stress of this major drop in my FICO score, I paid it! 
This is wrong! 

I want justice! 

This is an unfair credit practices, by both XXXX XXXX XXXX and Sequium Assets, since I returned all equipment and had no ending balance owed by me for anything else.
Product: Credit reporting or other personal consumer reports

I BELIEVE THAT THIS LETTER WILL FIND YOU WELL. I AM HAVING MAJOR ISSUES WITH FINDING INACCURATE/ INVALIDATED ACCOUNTS AFTER CAREFULLY PULLING MY CREDIT REPORT FROM YOUR AGENCY. I HAVE NO KNOWLEDGE OF THESE ITEMS OR INACCURATE INFORMATION AS MY INFORMATION WAS IMPACTED BY THE NATIONAL PUBLIC DATA SOCIAL SECURITY DATA BREACH AND HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON. I HAVE SOLID PROOF THE BREACH CAUSED THESE FALSE ITEMS TO APPERA ON MY CREDIT REPORT. YOU ARE REPORTING NEGLIGENTLY AND INACCURATELY AND FALING TO COMPLY TO THE FCRA. I DEMAND THAT THESE ITEMS BE DELETED IMMEDIATELY AND UPDATED. I ALSO DEMAND THAT YOU SEND ME A CREDIT REPORT WITH UPDATED CHANGES WITHIN 30 DAYS.
Product: Debt collection

To Whom It May Concern : To : Spring Oaks Capital LLCXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the negative marks you have made on my credit file and formally request validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809.

Please understand that I am requesting full validation, not partial, to confirm any contractual obligation between myself and your company or the original creditor. Until this debt is validated in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you cease any credit bureau reporting related to this account. 
To satisfy this validation request, please provide the following documentation : XXXX. Complete Payment History As established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a detailed payment history for the entire amount alleged is required. Please include : * Itemized verification by line for each charge, with an explanation of each item ( such as purchase date, amount, goods received, and receipt date ). 
* Date of Last Activity related to the alleged debt. 
2. Proof of Identification My full, complete, and correct Social Security number to help confirm my identity as the alleged debtor.

3. Signed Agreement A copy of any document or contract bearing my signature that indicates my agreement to pay the original creditor. 
4. Obligation to Collect Proof of the contractual obligation between your company and the original creditor that legally permits you to collect this debt, including : * A Letter of Sale or Assignment from the original creditor to your company. 
* Documentation showing you have authority to collect, as required by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which stipulates that debt purchasers must provide information on the source of debt and amount paid for it. 
XXXX. Licensing Proof of your license to collect debt within my state. 
XXXX. Breakdown of Fees An itemized statement of fees, detailing the calculation of the alleged amount owed. 
Additionally, I request that you refrain from contacting me by telephone. Limit your contact to written communication and only when you have provided all the requested documents for proper validation. 
Under FDCPA Section 809 ( b ), collection activities must halt until this debt has been validated. Furthermore, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), ruled that reporting a collection account constitutes collection activity. I am therefore entitled to the full documentation listed above as validation, not partial information. 
While I prefer to resolve this matter without litigation, I am prepared to pursue legal action to enforce my rights under the FDCPA and other statutes, should it become necessary. 
Please send all requested documentation. 
I will await your reply, including all requested proof, and will respond upon receipt of the full validation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company I am having issues with is Venmo. The Service, which has my banking information, allowed so gentleman named XXXX XXXX to charge my account {$200.00} for gas - five times on XX/XX/2023. Prior to the charges being processed, they called me with an automated prompt informing me that someone was attempting to create an account with my number and if I recognized the charges. I obviously, said I did not but what is troubling is that the phone registered as spam on my phone so I was a little concerned. At the end of the prompt, the system informed me that my account will be locked for 48 hrs. The following morning I looked at my checking account and sure enough the charges went through. When I called Venmo which of course outsources their customer support outside of the US, they were unaware of the 48-hour lock or the unauthorized transactions. I was asked a bunch of dumb questions and ultimately I was told that in roughly ten days someone from the resolutions team will contact me with the result of the dispute. The fact that someone could charge my account without my authorization is problematic and I think a bug in the code. I personally do not know someone by the name of XXXX XXXX nor do I recall giving someone {$1000.00} in gas. I think if I am to wait ten days for a resolution I need to get paid the overnight interest for the money I am forced to go without. The overnight rate is 4.86 % which is about {$480.00} for ten days of wait time. I would love for this company to be investigated.
Product: Checking or savings account

Capital One bank Holding hostage Direct Deposit from my payroll now XXXX days, spoken to numerous people at their customer service center they can not give me a straight answer on when it will be resolved. But yet they are quick to over draw my account and charge me fees. I understand computer glitches but this is now unacceptable, XXXX days later no answer
Product: Credit reporting or other personal consumer reports

request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ) opened XX/XX/year>. This account have resulted in fraudulent chargeoff appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned charge off accounts as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

First and foremost this account is fraudelent i never had an accout with sprint. Secondly, this company never, and i mean never notified me of this debt, i never recieved any notification that they were trying to reach me. They just went ahead and illegally inserted this debt on my credit. Im requesting a removal of this account from my credit. 

JEFFERSON CAPITAL ACCT # XXXX {$1600.00}
Product: Debt collection

A deposit from my employer hit my checking account on XX/XX/XXXX. On XX/XX/XXXX XXXX took every dime remaining in my checking account to offset a credit card charged off in XXXX. Tonight, XX/XX/XXXX my tax refund hit my account. As soon as they money was available, XXXX automatically took out another lump sum of {$1800.00}. After calling and speaking with several representatives, including XXXX XXXX, XXXX in the credit card department and XXXX in XXXX XXXX, no one was able to give me any information nor provide the original signed disclosure stating it was too old to view. Ms. XXXX in the collection department was completely rude, aggressive and disrespectful. Stating that maybe you should actually open your mail then youd know what was going on when I told her I had not received any letters from them about settling a credit card debt. She was very unhelpful and EXTREMELY unprofessional. I Also let them know that they can not garnish wages without a court order to do so and was told its not a garnishment but an adjustment which constitutes the same thing to me because theyre taking everything I have in my checking account to offset a credit card debt leaving me unable to pay bills, childcare and put food on the table for my son. According to 12 CFR 1026.12 ( d ) ( 2 ) For a security interest to qualify for the exception under 1026.12 ( d ) ( 2 ) the following conditions must be met : i. The consumer must be aware that granting a security interest is a condition for the credit card account ( or for more favorable account terms ) and must specifically intend to grant a security interest in a deposit account. XXXX of the consumer 's awareness and intent include at least one of the following ( or a substantially similar procedure that evidences the consumer 's awareness and intent ) : A. Separate signature or initials on the agreement indicating that a security interest is being given. 

B. Placement of the security agreement on a separate page, or otherwise separating the security interest provisions from other contract and disclosure provisions. 

C. Reference to a specific amount of deposited funds or to a specific deposit account number. 

None of the above were in the disclosure. The security agreement was # XXXX on page 2, was not separate from the other provisions, did not have to initial or sign next to it, and no reference to a specific amount or account was made. This is just preposterous. How are they able to do this? Things like this cause job loss and homelessness.