23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have formally requested by certified mail that Capital One Bank USA NA provide me with validation of the two accounts # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Practice Act by not responding to any of my letters nor have they provided me any validation.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute and request the immediate removal of a fraudulent account from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with the account. 
The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent account, which has been in existence for over 7 years. 
XXXX XXXX
Product: Checking or savings account

As a Wells Fargo customer, I was alarmed to discover on XX/XX/2024, that a substantial sum of {$10000.00} had been debited from my personal XXXX checking account without my consent or authorization. This transaction occurred between XX/XX/2024, and XX/XX/2024, leaving me deeply troubled and bewildered. 

Upon contacting Wells Fargo immediately on XX/XX/2024, I found the personal account banking agents to be perplexed and unaware of the reasons behind the unauthorized withdrawal from my account. Subsequent investigation revealed that Wells Fargo had debited my personal student checking account to offset a debt linked to a business credit card account held by XXXX XXXX XXXX with Wells Fargo. 

I wish to emphasize that at no point did I explicitly authorize or consent to Wells Fargo withdrawing funds from my personal student checking account to settle the debt of my business credit card, nor for any other business-related matter. Furthermore, I received no prior notification, whether by mail or verbally, from Wells Fargo regarding their intention to garnish funds from my personal XXXX checking account for this purpose. 

Despite my repeated requests for documentation proving authorization for the debit, I have received no response or explanation from the bank, even after visiting a Wells Fargo branch on XX/XX/2024, where the branch manager attempted to contact the agent, XXXX, responsible for authorizing the debit, without success. 

Furthermore, on XX/XX/202XXXX XXXX XXXX XXXX ET, I received a call from someone named XXXX XXXX, who claimed to work for Wells Fargo. XXXX XXXX refused to provide any information but instead insisted on obtaining further details from me. Despite my refusal to engage without proper authentication, XXXX XXXX persisted in attempting to extract information, failing to follow the necessary security protocol. It's worth noting that XXXX XXXX seemed unaware of the withdrawal made by Wells Fargo, which raised significant security concerns. 

This entire ordeal has not only caused me considerable emotional and financial distress but has also prompted serious doubts regarding Wells Fargo 's adherence to legal and ethical banking standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead TransUnion investigated 3 of my accounts ( re : report # XXXX ).

XXXX ( report # XXXX ) did something very similar to TransUnion. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can not be furnished without written instructions, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

XXXX XXXX - XX/XX/year>, and XX/XX/year>
Product: Credit card or prepaid card

Capital One Bank has not resolved or attempted to resolve the issues detailed in my letters or in my numerous calls with Capital One customer service specialists and supervisors. Please see attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. My final attempt to resolve this was through several phone calls in the month of XXXX XXXX with Capital One representatives and supervisors with no attempt to resolve this. My final response from Capital One is that there is nothing they can do. I am demanding all itemized billing statements to prove that I made purchases on this credit card account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. If they can not provide proof that I made these purchases I am demanding that the amount they have no record of as well as interest charges be taken off of my statement. I am requesting that this be resolved after this complaint, as this has been an ongoing dispute and I am paying for these unauthorized charges every month for the past 16 years as well as interest that Capital One Bank is profiting from at my expense. I am not asking for the statements that they have already sent me as I already have them on file, once again I am asking for statements from XXXX XXXX, XXXX XXXX, XXXX and if they can not provide this I expect this matter to be resolved and have the charges and interest fees from those dates removed promptly from my account.
Product: Credit reporting or other personal consumer reports

TOYOTA MOTOR CREDIT FRAUD DEPARTMENT XX/XX/XXXX This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONSUPERVISEDRELEASEINXXXX 5 ) PROOFTHATIWASLIVINGINXXXXUNDERSUPERVISIONUNTIL XX/XX/XXXX 6 ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXXXXXX XXXX and Probation/Supervised Release living in XXXX XXXXXXXX New York XXXX 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or supervised release without having to go through my Probation Ocicer. 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : TOYOTA MOTOR CREDIT opened on XX/XX/XXXX, while I was under Federal Custody I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 
Thank you for your time, XXXX XXXX
Product: Checking or savings account

XX/XX/23 XXXX am I received an email that a XXXX transaction from XXXX had occurred. Immediately on the morning on XX/XX/23 I took the time to call XXXX and inform them that it was not my transaction and start the process of shutting that card down and filing a dispute. The individual shut down my card however, told me he could not assist with my dispute, I had to wait for the item to post and then call XXXX. 

XX/XX/23 XXXXXXXX pm I finally took time out of my busy day ( XXXX ) to call the number provided to file my dispute. However, the process was not as easy it sounds, after trying to verify myself in their phone system and then speaking to XXXX individuals, who it was not their job and they needed to transfer me, it took XXXX plus minutes and I gave up. 

It sounds silly to file a dispute for XXXX cents and to file a complaint with the CFPB over XXXX center, but I have to wonder if they treat all of their XXXX XXXX  claims this way, do they make it difficult so you just give up. 

Well I am giving up and the XXXX cent experience is costing XXXX a customer. You see my money sits there earning very little interest ( in todays rate environment ), so my next move with XXXX will be a visit to a local branch to close my accounts and move them to a bank with an attractive offer. Had my XXXX cent experience been a pleasant experience then my accounts would have remained there costing them very little interest. I know I am not their " BIG '' depositor but I do talk banking in my circles and I will share my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear XXXX XXXX XXXX I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 
Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 
I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan

First and foremost I owe the company. How ever they hired someone to collect the money. He or she contacted me after XXXX and made empty threats to me and said they already made a visit to someone who they scared so bad to pay them. XXXX advised when I can pay in full and they continued to threaten met and said only way they leave is me paying or by the cops at my work. I asked not to be bothered at work but they declined and said they will see me the following day.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX  XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XX/XX/year>
Product: Credit card

I was notified by my credit report that WF card services, aka online Wells Fargo did a hard inquiry on my credit as a result of an application for a card. I have not, and have never applied for credit of any kind to include a card with Wells Fargo. The inquiry immediately made a negative impact on my credit score which alerted me and caused me to look into the inquiry. I have not applied for any new cards within the past five or more years. I did make Wells Fargo aware, and Im currently awaiting additional contact from their fraud department. I also opened a dispute with XXXX, and will upload this completed report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violates Hippa and cra
Product: Debt collection

Portfolio recovery are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by XXXX XXXX. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.
Product: Debt collection

Company repeatedly calling my elderly father on his cell phoneeabing messages about my debt. They also call me repeatedly but should not be contacting my elderly father
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2022, I have spoken with several CapitalOne Fraud agents, customer service, and filed two XXXX reports yo try to resolve this ongoing issue. However CapitalOne has continued to report incorrect information on my credit report, continued to permit external charges, and will not all delete of external banking information. However, CapitalOne has continued to state the CapitalOne Credit Card is fraudulent and possesses fraudulent charges, which they have forced me to pay for because it has severely impacted my credit. In addition, I have received written correspondence from CapitalOne stating this account is fraudulent and they will not allow access nor will provide statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never XXXX
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 Account # : 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Monday XXXX XXXX at XXXX XXXX it was a 23 minute call. XXXX XXXX with Chase Receivables. I actually called him to explain the situation where the hospital had billed after XXXX XXXX and I had already paid my deductible. He starts talking over me and telling me my insurance doesnt cover that and get my insurance number and lets call them. I explained I had been in contact with them and PA about the situation and he is screaming at me and telling I will pay. We get on the phone with XXXX and his attitude did change somewhat after we were on the three way call. But when I was speaking with my insurance representative he told me to be quite. At this point I had enough and told him to shut up that I could speak. I just wanted to make someone aware that he is a very rude and intimidating man that shouldnt be working with the public. I can just imagine him calling elderly people and screaming and intimidating them. Our issue was put on hold because it was just like I explained to him but it took my insurance representative to tell him because he kept talking over me and screaming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

The first inconsistency is the account type detail listed by XXXX. While XXXX and Experian indicate that the account type is a charge account, XXXX leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by XXXX, which is {$650.00}, while both XXXX and Experian report a high credit of {$0.00}. This inconsistency also violates the FCRA sectio

n 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that credit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report. Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive anything from this company stating a debt was owed. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with Equifax and was told in a letter that the account was updated but it was not removed from my credit report
Product: Money transfer, virtual currency, or money service

For over 2 years I have been using Venmo services to send and receive money. My personal account is @ XXXX. And on XX/XX/2022 I decided to open a Business account too. The XXXX XXXX  account has been created. But along with that, Venmo automatically created another personal account for me ( @ XXXX ) without my asking. This caused a big problem. I started to have 2 simultaneous personal accounts, which the system characterized as fraud. As a result, my main account @ XXXX was frozen on XX/XX/XXXX. And I'm still today, 16 days later, trying to solve this problem and I can't! On the same day I received an email asking to upload my ID, and that my account would be unfrozen within 3 days. I did and nothing was done. I can't move my money and this has caused me a huge problem! I have already called support 3 times and opened 2 tickets. All they do is apologize and ask me to wait. " Sorry '' doesn't solve my problem! I don't want " excuses '', I want the solution! THEY caused the problem when they opened, I don't know why, a new personal account for me. This has been extremely frustrating and I no longer have the patience to wait. I need a solution and your help as it is being impossible to solve through Venmo Support channels. I want my @ XXXX account unfrozen so I can move MY money. Thanks!