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

On XX/XX/2022 Capital One withdrew/ stole {$2000.00} from my checking account without my authorization. Under the Fair Credit Reporting Act, banks, in this case Capital One are not allowed to take funds out of my bank account for my credit card balance. The codes specific to this are XXXX ( a ). It is to prevents this ( $ {$15.00} USC 166 ( h ).

There is a federal law that states that credit cards can not be offset. Federal truth in lending regulations prohibit a bank who is a card issuer from appropriating deposit accounts to pay debt on a card that it issued.

( 1 ) A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.

Capital One Quicksilver Credit card is the company stealing bank funds without authorization. 
Ally Checking Account is where funds were taken from without authorization. 
The latest billing statement was for {$130.00} that was due on XXXX XXXX 2022. Something is definitely wrong when {$2000.00} is used as payment without my knowing. Capital One to my understanding is breaking a federal law that protects credit card holders. 
The problems stem from the higher levels where they allow and encourage these criminal activities to occur. This is probably not the first time Capital One has committed fraud and broke federal laws upon its customers and probably not the last
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an email to XXXX asking do they report bankruptcies any credit reporting, agencies, credit bureaus, or XXXX  parties and I received a letter back saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record 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 or from the consumer. 

They also violated my rights numerous times. 

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

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

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian once with no response and XXXX on XXXX  occasions since XX/XX/XXXX to dispute the accuracy of information shared on my credit report as I have not provided permission to defame my character regarding XXXX XXXX Bankruptcy that currently notes being Discharged by the XXXX XXXX XXXX New York on XX/XX/XXXX. I have since received responses from XXXX by mail dated XX/XX/XXXX and XX/XX/XXXX solely noting how their information is obtained and that they find it to be accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is the Credit Union and Experian is the reporting agency. Also because of inaccurate reporting the auto loans will remain on my credit report for 8+ years instead of 7 years. Again, I have requested an account deletion by Experian or an immediate correction. Waiting longer continues the detriment. The damage suffered is irreparable.
Product: Debt collection

This company called XXXX XXXX / resurgent has a account that they said is from XXXX XXXX with a balance of {$1000.00} and it is reported on my credit profile, I have reached out to this company three times and asked for the original agreement that I signed because that is the only acceptable proof of validation ... and they have not replied or complied and removed the derogatory information, now I need them to get rid of this unknown debt that they never even reached out to me and give me the 30 days to contest the debt, so please I need this information off my credit reports or send me the agreement I signed to enter into a payment agreement ....
Product: Checking or savings account

I opened an account with capital one bank. 
I have deposited checks that are in total of {$130000.00} they tried to verify the checks, and they were able to verify all check except for one I tried to work with them to help them get in touch whit the congregation that gave me this check for about {$21000.00} in the meantime, I got an email that my account is closed, and they told me that they are holding my money until they end the investigation on the checks ( that includes checks that they verified already )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. I told all bureaus this many times and it 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 of the person knows or has reasonable cause to believe that the information is inaccurate. I asked many times for someone to help assist and they are saying that a credit clinic is sending in docs because it's tooooooo professional! Im highly upset because its only on this bureau I need this blocked and removed!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written demand to ceo XXXX XXXX, ceo XXXX XXXX, ceo XXXX XXXX or any other legal fiction affiliates LexusNexis companys, trusts, LLC, corporations, or affiliates that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, and consents there of. I was not properly informed that you had my private information and I as a consumer have the right to privacy and never consented to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information US BANK XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Product: Money transfer, virtual currency, or money service

I was hired for a remote position through a company that I know now didnt exist. I was sent a check in the mail for a sum of money and told to deposit it and use it to purchase the equipment needed for the position. The check did not go through and so I contacted the woman who hired me. I never heard back. Today XXXX/XXXX/2020 was supposed to be my start date. I texted and emailed the hiring manager who I know now doesnt exist and asked when and how I was to start. She said since the check didnt go through I need to purchase the equipment through her and I will be reimbursed. She had me send her XXXX dollars for the software I would need. She then asked what kind of computer I have. I told her an XXXX and she said I need a XXXX  and it was required by the company so to XXXX another XXXX that I would be reimbursed for. After that happened I never heard back. I contacted XXXX  XXXX  corporate who said this position never existed and the womans name I gave them does in fact work there but someone else has been using her name to scam people Of money and to contact my bank. I contacted my back to try and get my XXXX back and they submitted a claim to the receiving bank of CitiBank and said they would try their best but there were no guarantees I could get the money back but that I could have answers in 10-45 days. I explained it was my entire savings for my move which is happening in 3 weeks. Im moving out of the state and need the money for my move. They said they would keep me updated on the claim.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as a copy of my credit report please see attached proof provided. 
Please ensure that these documents are taken into account during your investigation. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 

I appreciate your prompt attention to this matter. 

PLEASE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - apr XXXX, XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX In accordance with the fair Credit Reporting act 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. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Payday loan, title loan, or personal loan

I originated a credit limit advance with this company fir XXXX after calling and inquiring which charged less interest a cash advance or a personal loan, the employee told me cash advance, afterhaving them auto debit the payments and seeing the balance was going up not down i called in XXXX and cancelled all auto payments and asked for a settlement on the account, i was contacted by a person who claimed she was on the resolution team, she assured me no more payments were achefuled although i see them when i log into my account scheduled and said the type of loan i have there is nothing they can do to help me, this morning i woke up to have an email from netcredit saying thank u for your payment, they took another payment without my aithorization and another one scheduled for the XXXX that the website does not let me delete
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against LVNV Funding LLC/Resurgent Capital Services L.P . 

Dear CFPB, I am writing to file a formal complaint against LVNV Funding LLC/Resurgent Capital Services L.P. , a collection agency that has violated my consumer rights under multiple federal regulations. 

Nature of the Complaint : Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information regarding the debt. Despite this requirement, LVNV Funding LLC/Resurgent Capital Services L.P. has placed a collection on my consumer report without providing the necessary validation information. 

Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given the chance to dispute the account. However, this collection agency did not provide me with such an opportunity, thereby violating my rights as a consumer. 

Use of False, Misleading, and Deceptive Means : The collection agency is in violation of consumer protection laws by using false, misleading, misrepresentation, and deceptive means to collect the debt. 

Unauthorized Furnishing of Information : LVNV Funding LLC/Resurgent Capital Services L.P. has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I dispute owing any and all debts to LVNV Funding LLC/Resurgent Capital Services L.P . Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request the following actions : Debt Validation : Provide complete validation of the debt.

Purchase Agreement : Furnish the purchase agreement between them and the original creditor.

Proof of Licensing and Bonding : Provide proof that they are licensed and bonded to operate as a collection agency.

Additionally, I request LVNV Funding LLC/Resurgent Capital Services L.P. to swear under penalty of perjury that they were present during the alleged debt. Reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ( FCRA ).

They have 15 days from the date of this letter to respond with all items requested. Failure to provide a sufficient validation response within this period will necessitate the immediate removal of this item from my credit report, or I will seek litigation for monetary damages along with the violations they have already committed.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Hello, I XXXX  from a combined XXXX XXXX  during which time I accumulated a large amount of loans ( currently at XXXX ). I achieved my dream of matching into a XXXX XXXX, and was in a qualifying XXXX for 7 years. During this time, I was mentally and physically challenged and experienced significant financial hardship. I also received 0 guidance from federal loans and was wrongfully steered into forbearance/deferment. Over the years I rarely received any information for them, except for a new letter that my servicer had changed ( this happened about 3-4 times during the course of the 7 years ). Every time I would get such a notification, I would be told that forbearance was my only option. Therefore, I was in forbearance from XXXX. I then went to a fellowship where I also experienced financial hardship and continued the forbearance from XXXX. That should be 8 years of payments that qualify for the IDR waiver. I communicated by concerns with Federal Loans and MOHELA, and was told that because I was in " rehabilitation forbearance '' I did not qualify for several of those time periods. I feel incredibly upset that I chose to give my time to the service of others and was completely and utterly exploited by the financial system for trying to get an education and help people. No one told me about the IDR plan, about PSLF, and certainly that forbearance in itself had different types. I could've tried to be on an IDR plan had I not been told multiple times, by multiple servicers, that forbearance was my only option. Please help make this situation right and hold these servicers accountable for counting all those times for forbearance, a forbearance that they forced and misled me into.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Mailing : TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX. XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Dear TransUnion, I am writing to follow up on our previous communication regarding inaccuracies in my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I have meticulously identified several discrepancies in the information reported by TransUnion, particularly concerning the following accounts : - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) - Acct : XXXX XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and foremost, I would like to draw your attention to the precedent set by the case of Smith v. Trans Union LLC ( 2002 ), wherein TransUnion was held liable for inaccurately reporting on accounts that should have been deleted, thus constituting a violation of the FCRA. Moreover, the recent case of United States v. TransUnion LLC ( 2020 ) underscores TransUnion 's recurrent violations of the FCRA, resulting in substantial penalties and damages awarded to affected consumers. 

Upon thorough examination of my credit report, I have discerned the following violations : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Mishandling of consumers ' credit reports, including dissemination of inaccurate debt collection information, potentially contravening the FDCPA.

2. **Consumer Rights Law** : - Allegations of TransUnion 's transgressions against consumer rights laws, particularly the FCRA, have surfaced in various legal proceedings, such as Serrano v. Trans Union LLC .

3. **Attorney General Law** : - The aforementioned case of United States v. TransUnion LLC ( 2020 ) signifies governmental enforcement actions taken against TransUnion for FCRA violations .

I respectfully request that TransUnion takes immediate action to rectify these inaccuracies in my credit report. Specifically, I demand the deletion and blocking of the erroneous information pertaining to the XXXX XXXX XXXX ( XXXX XXXX  ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX accounts, including all inquiries associated with these accounts. It is imperative to note that these accounts do not belong to me and were fraudulently placed onto my credit report, a fact that has been substantiated through my FTC Identity Theft complaint. 

Kindly find my contact information below for any further correspondence : XXXX XXXX XXXX XXXX I anticipate a prompt and diligent response to this matter in full compliance with the FCRA. Thank you for your expeditious attention to this pressing issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was notified by Juno Finance on XX/XX/XXXX that there would be a temporary disruption in banking services and have yet to receive any additional updates. Juno recommended to reach out to XXXX XXXX  XXXX  XXXX who is their banking provider. When I reached out to them they said that this service is actually run by XXXX XXXX who do not have any humans to help with support. It has been over two weeks and I have not been able to access the funds in my checking account.
Product: Credit reporting or other personal consumer reports

I had a 1-year lease that expired in XX/XX/XXXX and became a month-to-month lease. On XX/XX/XXXX, I notified XXXX XXXX that I would be vacating the premise via letter which I did include. In addition, I included the text message between me and the property manager where I confirmed that I was vacating the premise on XX/XX/XXXX. 
On XX/XX/XXXX, I dropped of the keys to their lockbox and have not heard from XXXXXXXX XXXX until your company contacted me. Per my lease I needed to give notice to vacate and there for there is no debt between me and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a credit card and I was unable to get approve because they could not see my equifax credit profile. I called equifax and they did not provide me a reason for why they werent showing my credit reports or score. I demand to receive them immediately
Product: Checking or savings account

Account was closed on XX/XX/XXXX. We were notified via email and said a check would be sent to our Registered Agent in 8-10 business days. 
It is now XX/XX/XXXX and no check has arrived. 
I tried multiple times to call customer service and there is no answer. I am placed into a queue and then no one ever answers and I am eventually auto-disconnected. 
I sent an additional email demanding to know where our money is and there has been no reply.