23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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 an account without my written instructions.
Product: Credit card

Citibank Business  Credit Card customer service says they issued new cards because my card was going to expire soon. Today 's date is XX/XX/2024. My card expires XX/XX/2024. XXXX  months away. The policy is that the card is active until the experation date. They tell me I will receive a new card in about 10 days. I have not received any notifications that my card is not active and they are sending me a new card. I have used the card for minor purchases today, but when I tried to process an order for a client in the amount around XXXX, with an open limit of XXXX, I was declined. Citibank would not allow the charge to go through. I will have to wait for my new card. I have international business travel tomorrow and my business credit card will not work while I'm travelling. Whoever heard of keeping a business from it's operations! I plan to cancel all of my employees cards and my account. This is outragous.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a {$2500.00} loan but was surprised that APR is over 200 % I thought recent CA assembly bill capped loan rates at double figures as this is a CA company the interest seems incorrect
Product: Debt collection

On or about XX/XX/XXXX I received a letter from Coast Professional Inc. in regards to a student loan debt and the letter was dated XX/XX/XXXX but the return address was California ( even though their communication address is in XXXX XXXX, LA it came from California my guess is so they can XXXX people over ) I sent them a letter requesting VALIDATION because the DOE is already taking 15 % of my XXXX each month plus the DOE has taken thousands of dollars and these people are saying I owe them {$35000.00}. When the original amount was about {$20000.00}. 

In XXXX Coast Professional contacted me and sent someone elses Name, SS #, address, DOB and other information to me and once I complained to the DOE it was dropped so now Im skeptical that they are trying to pull one over on me. But if they are truly collectors for the DOE why dont they know that Im XXXX and the DOE is collecting my XXXX? 

Today I received another letter dated XX/XX/XXXX threatening me with everything that has already been done to me so they waited 1 week after the first letter to send another harassment letter! On or about XX/XX/XXXX I sent them a cease and desist letter to stop all contact.
Product: Money transfer, virtual currency, or money service

To whom this may concern, this is regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit. I have used Zelle many of times to transfer and send money and have reported many discrepancies, my financial institution failed to investigate thoroughly and adequately. I was informed that covering lost funds and tracking transactions was infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. This situation raises serious concerns for current and future users.
Product: Credit reporting or other personal consumer reports

I filed several disputes requesting transunion to investigate the following account by the name of XXXX XXXX with an account number attached as being XXXX. That is listed on my consumer report with a balance owed in the sum of {$180.00} as a charge-off account. Transunion cliamed that all of the information listed under this account was verified as being accurate when in fact it's not accurate at all. I discovered that on XX/XX/2019 was reporting as being the last payment made on this account but in the history on the same date XX/XX/2019 it displays a charge-off status. This account information must be deleted and removed from my consumer credit report immediately per the fair credit reporting act laws and regulations. I aslo included a copy of the most recent dispute results from transunion peraining to this account XXXX XXXX with my cfpb complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is falsely reporting account my account 30 days past due despite receiving a payment from me. XXXX XXXX renewed an installment loan with new terms and reported the old loan as past due after payoff. The previous loan was included in a identity theft and I informed them of this. Without my consent XXXX XXXX changed the term of a renewal loan and included the former balance in the terms, they did not provide a new contract terms, a billing statement or anything record and did not obtain my consent. AS A RESULT XXXX XXXX is violation of the FDCPA ACT and also the Truth in Lending Act. They're creating irreparable harm and falsely reporting the entire amount past due on my credit instead of the fact I made the correct payment. I have called several times and been Given conflicting given information by XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Texas.
Product: Credit card or prepaid card

I made a purchase at XXXX on my credit card for a trip that ultimately had to be canceled due to COVID-19. After several weeks of attempting to contact XXXX I called Capital One to file a dispute. They opened the dispute and shortly after, I received confirmation from the merchant they were processing a refund. 

I contacted Capital One to reverse my dispute but they said I had to wait. For some reason, Capital One also credited my account two times for the dispute. I contacted them to get this corrected on XX/XX/XXXX and XX/XX/XXXX and both times was told I would just need to wait for those credits ( disputes ) to be reversed. So in short, my account had 2 credits for the dispute and the refunds from XXXX. 

I attempted to get a check issued for the refund, the money I am rightfully owed several times. Now, they have reversed the disputes in an amount equal to 4X ( recapturing the dispute 4 times ) and also captured the refund on my account. 

I should be entitled to a refund check but it appears, when I log into Capital One that I owe them money. 

I contacted them again today to get it fixed and they opened a new case but they said it could take a month to resolve. 

I have been trying to get the money I am owed back for several months now and they just mess up at every turn.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

Hello, I had a bank open up a new credit account in my name without my permission. They have sent me a credit card as well. 

I use Fortiva Bank to finance my home security system. In XXXX they sent a notice via email saying that they would be opening up a credit card account in my name. I did not see that email and saw on my most recent credit report that a new account had been opened in my name. 

I have attempted to resolve with the bank directly. They have not been receptive. I do not want a new credit account with them, much less need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Synchrony Bank on multiple occasions by email and mail asking for late payments to be removed. All occasions my requests have been denied. My account is currently on time as acknowledged by XXXX XXXX office of the president on X/XX/2017. She told me she has reviewed my accounts and is unable to make an adjustment. She said it would be arbitrary reporting. However, after doing my research online Synchrony Bank has made many goodwill adjustments for customers. I experienced a hardship last year and was proactive in seeking help before it was too late. I went on a payment plan for all 3 accounts. I was under the impression this would help me avoid further negative impact on my credit report. As a result of this reporting I have incurred deposits on many new accounts. As a single mother I do not have the extra funds to cover deposits. I had a perfect payment history before enduring a XXXX XXXX XXXX that caused me to miss work more than I would like. XXXX XXXX acknowledged the fact that I have been paying on time and the account is current. At the conclusion of the call no resolution was reached. I later emailed her to point out exactly where it is against the law for them to remove late payments. If that was the case how could places like XXXX XXXX who specializes in this type of conflict exist? I am very disappointed that my loyalty means nothing to this company. I am embarrased that I referred family and friends to this company whether it be through Amazon or care credit.  I hope that they are not experiencing the same issues as I am. At this point in time I do not feel like a valued customer just an deposit in a CEO 's bank account. Synchrony bank is not taking a loss by updating my credit report. Avoid synchrony bank at all costs if you can.
Product: Credit reporting

I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring an issue to your attention that I encountered while reviewing my credit report. It appears that an old credit card account under my name has been reported as a charge off.

As I am currently in the process of applying for a house, having an accurate credit report is of utmost importance. I understand that under federal law, when an account is charged off, the company is required to send a 1099C form to the account holder. However, I have not received this form for the above-mentioned account.

I kindly request that you send me a copy of the 1099C form associated with this charge off. This will allow me to have a more accurate understanding of the reported information and potentially address any discrepancies.

Thank you in advance for your prompt attention to this matter. Should you require any additional information from me, please do not hesitate to ask. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i 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 statues. Please update the account completely from my credit reports. XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/2016 Select Portfolio Servicing , Inc along with their 3rd party debt collector XXXX XXXX  XXXX, XXXX have relentlessly attempted to foreclose on my property without the proper authority to do so. 

Select Portfolio Servicing, Inc has insisted for years that they are the mortgage servicer for my loan ; and that they work on behalf of XXXX  XXXX XXXX XXXX XXXX XXXX. Whom they purport to be the owner of the mortgage loan and property. Which is not true. 

I contacted XXXX  XXXX XXXX XXXX XXXX XXXXXXXX and they have told me on three different occasions that they do not own the loan or the property and NEVER HAVE owned the loan or the property. In the state of Georgia ONLY THE SECURED CREDITOR can foreclose on a property.

Select Portfolio Servicing , Inc has stated in several documents that they work for XXXX XXXX XXXX XXXX XXXX XXXX  and that their firm is the servicer on behalf of the owner of the loan/property ; XXXX XXXX XXXX XXXX XXXX XXXX. Select Portfolio Servicing, Inc then hires XXXX XXXX  XXXX, XXXX to foreclose on the loan. 

I have sent several emails and certified mailing packages to both firms showing that XXXX XXXX XXXX XXXX XXXX  XXXX states that they do not own the loan or the property. Instead of suspending the foreclosure sale to validate their claim XXXX XXXX  XXXX, XXXX usually attempts to go forward with the foreclosure sale. 

XXXX XXXX  XXXX, XXXX along with Select Portfolio Servicing , Inc on several occasions has attempted to steal my property knowing that either entity works on behalf of the secured creditor and or parties with true interest in the loan or property. 

XXXX XXXX  XXXX, XXXX have gone as far as submitting themselves into the record of the Bankruptcy Courts on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX claiming to be/represent XXXX XXXX XXXX XXXX XXXX XXXX as legal counsel to lift the stay of federal protection so they can steal my property without representing the true secured creditor. 

Both firms are violating Georgia 's Foreclosure statues as well as the FDCPA, Privacy Act, Bankruptcy Codes and basic Constitutional rights recognized by all courts of law. Their actions in my opinion are criminal. Theft by taking, false representation, misrepresentation and acting as legal council for an entity that does not have interest in the loan/property and the list goes on. 

This is insane. They are even attempting to foreclose once again during a Pandemic. Knowing that neither party truly represents the owner of the mortgage loan. At best this is evil as they are using a vulnerable time for most Americans as an attempt to weaken my ability to fight this WRONGFUL FORECLOSURE. 

In this complaint I would like a response from both parties explaining why they continue to foreclose knowing that both firms do not represent the true creditor. 

Please note all documents to substantiate all claims above are attached. 

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

XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX I disputed the referenced accounts above XX/XX/2022 and on XX/XX/2022. The credit report of XX/XX/2022 shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Debt collection

XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I needed this Certegy Payment Solutions place to help me find out about any stolen or forged checks in my name, and all it says is that, please refer to tracking number XXXX and when I got online for the website it has a complete different mailing and or XXXX  Box to send mail too, on the paperwork I received in the mail it has a XXXX Florida XXXX XXXX XXXX, then it doesn't have my birth year on it which I had provided and says for the Consumer Report Data Exchange : Information maintained in Certegy 's files from the OUTSTANDING ITEMS or RESOLVED ITEMS section of this report may have been reported to XXXX XXXX XXXX XXXX. I have XXXX when it comes to certain things and i also have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I have a hard time understanding what some letters are trying to explain to me, or I am not understanding what they want from me, or asking me to do so I don't understand this letter that I received from Certegy or what they are trying to tell me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft N/A Account Number : XXXX  This is not mine.

3. Identity Theft N/A Account Number : XXXX  This is not mine.

4. Identity Theft CB/VICSCRT Account Number : XXXX  This is not mine.

5. Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.
Product: Debt collection

Fraudulent victim ; never heard about this account false information provided never was informed on this
Product: Credit reporting or other personal consumer reports

I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit file. These accounts are inaccurate, incorrect and misleading ; can not be verified nor validated. 
Disputed negative accounts are attached.
Product: Credit reporting or other personal consumer reports

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

XX/XX/2020 I proceeded to call iq data international inc to see what other arrangements I can make since I did not have enough funds for the payment due on XX/XX/2020. XXXX XXXX Had been the one to pick up my call. I nicely explained I was looking to start payments on a new date since I didnt have the funds available. She began getting rude and raising her voice to me. asking me if I wanted the account to affect my credit and Yelling at me saying why I didnt call if I knew I wasnt having the funds and I tried to get a few words in to explain I made too many arrangements on credit cards I was working on paying back and she was demanding me to pay with the cards and I tried to tell her that I cant Because theyre maxed. She began belittling me even more, bringing up my income and saying I should be able to pay. Not knowing the other bills and creditors Im also trying to pay. With all the emotional distress she was causing me. I did not hang up because I knew the issue of my payment arrangement needed to be solved. I requested a supervisor. the representative after did not acknowledge anything that happened with his coworker and I but at least he tried to get me more time and did not yell or belittle me. 
As my job XXXX XXXX XXXX XXXX having to follow federal rules and regulations, I did not think it was possible to be spoke to and treated the way I was.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed the following accounts listed on my report that are not mine and was not authorized by me. 

Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX