23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX the company 's received notice from the consumer to remove all personal information regarding transactions and experiences between parties from all reports delivered to third party agencies. Upon their failure to comply additional notice was delivered as followed : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all our transaction and experience details from credit reports immediately and indefinitely. Your current malpractice is a violation of the Privacy Act of XXXX.
Product: Debt collection

I moved in XX/XX/2018 to a new address and asked the company to transfer my account to the new address. The account was transferred to the new address but the terms of the contract were not the same. The company tried to change the terms to suite there needs, and gave me less than I signed up for. I refused to bow to their terms and cancelled the service. All current fees were paid on time and all equipment was returned.

These fees they are requesting are fraudulent because they broke the contract.
Product: Debt collection

XXXX XXXX XXXX knowingly attempted to damage my credit report fraudulently by indicating I owed a debt that I did not owe. 

XXXX from XXXX XXXX XXXX initiated a collections attempt for a contract on which I was not an obligated payer. XXXX XXXX XXXX has violated credit practices under 807 of the Fair Debt Collections Act - False or misleading representations and 809 - Validation of debt by attempting to impugn my credit report with false and fraudulent collection attempts. 

XXXX removed this collections attempt from my credit report after dispute because XXXX couldn't produce any form of documentation that I actually owed the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX, XXXX, Transunion as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Product: Credit card or prepaid card

I had a Capital One Quicksilver credit card for several years. On XX/XX/XXXX, with the balance at {$0.00}, I closed the account. Today, XX/XX/XXXX, I got a notice from Capital One that I had a balance of {$79.00}, which includes a late fee. I was on the phone with them for more than 1 hour. Two people confirmed the account was closed and a charge -- from a magazine that I did not authorize to renew my subscription -- should not have gone through. I talked to a supervisor who said my account was open in XX/XX/XXXX. It should not have been because I have checked many times to make sure the account was closed before I moved on to a card with a lower interest rate. My credit reports also show Cap One account as being closed. 

This is fraudulent practice on the part of Capital One and XXXX/XXXX  XXXX. I do not want any paper magazine ( climate change ) and only do digital magazines. Please look into this fraudulent practice and penalize Capital One for doing this. Otherwise, any business that I once dealt with could go ahead and run a charge and Capital One will let it go through -- even on a closed account -- and stick me with the bill. 

I am enclosing this most recent statement and a statement from XX/XX/XXXX that is showing {$0.00} balance. I can not get a XXXX or a XX/XX/XXXX statement because the account was CLOSED. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to handle this matter with TransUnion since XX/XX/2022, as evident in prior documented CFPB complaints. I have been trying to reach out to them to rectify issues with some alleged accounts and suspicious addresses and phone numbers linked to my consumer reports. This matter is causing me significant financial harm as well as XXXX and XXXX XXXX, of which i had to seek XXXX. TranUnion has yet to provide a legal nor lawful response to my complaints. Further action will be taken if TransUnion does not comply and will be held liable for damages. Every response has either said verified or updated with no proof that the information has indeed been investigated. I am demanding that TransUnion provide documentation that proves I am LEGALLY obligated to pay anything to XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX 

TranUnion has 7 calendar days to provide such response or it will stand that TransUnion accepts that the alleged debts are not valid. Asking for more time and taking 60 days to respond is no longer acceptable!! Please verify, validate and document that i am LEGALLY obligated to pay these alleged debts. TransUnion coming back saying verified or updated does not constitute an appropriate legal nor lawful response. These accounts have been paid in full. 

Please delete the following accounts XXXX XXXX XXXX XXXX Mark the following accounts as paid in full and XXXX out the balance XXXX XXXX XXXX XXXX XXXX XXXX  ( ALL ) DEPT OF EDUCATIONXXXX Accounts
Product: Vehicle loan or lease

I was denied SCRA by Lendmark Financial on two loans for two XX/XX/2018 XXXX XXXX XXXX XXXX in XX/XX/2018. I am an XXXX XXXX Service Member. I requested SCRA and the Loan Officer dismissed me.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX I was denied my ability to report unauthorized hard inquiries on my credit report. I talked with a representative from Experian and told him I had unauthorized hard inquiries on my credit report I told him about them and he denied me the ability to dispute. I than asked to talk with a manager and again he denied me the ability to talk with a manger. After asking multiple times he stilled denied me the ability to dispute. I have XXXX hard inquiries that I want disputed and taken off my credit report immediately since I was denied my rights under the FCRA law. These are the inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV Funding LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV Funding LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV Funding LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV Funding LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Mortgage

XXXX Mortgage Account # No. XXXX XXXX. The bank rejected the XX/XX/XXXX loan payment. 

Loan payments are on time if they are paid within the 15 day grace period. 

I paid the XX/XX/XXXX payment in XXXX installments, the first installment of {$1000.00} was paid on XX/XX/XXXX. 

The balance due of {$560.00} was paid on XX/XX/XXXX As the total due was paid within the grace period, it was on time. 

The bank acknowledged the receipt of the payments- see Account Details 0n XXXX On XX/XX/XXXX, the bank rejected the first installment and returned the payment. They claim they can not accept a payment amount of less than the payment amount due. There is nothing in the mortgage documents that requires this. Of course, this payment made on time has become delinquent This was a surprise as I had paid my XX/XX/XXXX in installments within the grace period and the bank accepted the payments and recorded the payment as on time - see XXXX -XXXX Attachments XXXX -XXXX  Letter refusing XX/XX/XXXX payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 US Code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system, reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate, customer service and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement, under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

i bank with wells fargo, in XX/XX/2018 i was fraudulently charged for spotify premium and had to cancel all my existing debit cards due to this charge. the money was placed back in my account in XX/XX/2018 and again in XXXX the charge fro spotify premium was charged again after a long almost 5 hours on the phone with multiple vendors to cancel all transactions to my old cards and convert to the new cards, i was told by wells fargo that the money needed to be released and would take a few days to process back to my account. now days later im being told that '' XXXX took it upon them selves to deposit the charged amount into my account back in XXXX and the bank apparently did the same. At no point in time did i authorize any transactions for spotify and i understand from what i was told today 7 days after initial dispute of transaction, gave me money they shouldn't have however, this transaction on XX/XX/2018 to return the money ( i did not know i was given ) back to them should not have been completed without my knowledge and at no point should money be paid out to anyone from my account without my consent.i understand now that the money needed to be paid back but i never even got notified that this was an issue i had no knowledge of this until i called today to find out whats going on with my money. now im being told " theres nothing they can do its my problem '' and im the one screwed out of all the time and money to correct the issues. help!!!
Product: Credit reporting or other personal consumer reports

When I look over my credit report I saw all these inaccurate items that are not 100 % accurate as required by the federal law. Also, I have disputed them previously but they continue to report inaccurately.
Product: Mortgage

Champion Mortgage erroneously force placed flood and hazard insurance in the amount of {$6700.00} causing my balance to become negative and putting the loan in default. Valid insurance was in place for the period XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX Champion generated a " Notice of Condominium Insurance Requirement ''. I received that by USPS on or about XX/XX/XXXX. I  notified Champion I indeed have the insurance and put them in touch with the condominium manager to verify. Force placement occurred XX/XX/XXXX. On XX/XX/XXXX we again sent the XXXX policy to Champion showing proof of insurance. XXXX statement dated XX/XX/XXXX received on or about XX/XX/XXXX reflected same charges and default of mortgage.Countless phone calls and faxes proving  insurance in place finally yielded a " Notice of Force Placed Insurance Cancellation '' dated XX/XX/XXXX received on or about XX/XX/XXXX. However no funds have been deposited back in the account thereby leaving the loan in a defaulted status. More letters from Champion on XX/XX/XXXX and XX/XX/XXXX asking for proof of insurance even after receiving the Cancellation of Force Placed Insurance notice! Again, after hours of phone calls Champion agreed that the monies should be credited back but as of today, XX/XX/XXXX no such action has occurred and the loan remains in default. I am afraid other charges will accrue and my credit is being hurt. Champion continues to provide no answers as to when the monies will be credited and what they will do the repair any damage to my credit. I continually have to speak with different people and explain the error they made over and over only to have to next person tell me they see it in the system but there is nothing they can do. An appraiser came to the house today and Champion said it was because the loan was in default. Today at XXXX XXXX they hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in GAAP and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days. 

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.
Product: Credit reporting or other personal consumer reports

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX : {$610.00}
Product: Credit reporting or other personal consumer reports

Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.
Product: Checking or savings account

Chase Bank informed me last XX/XX/XXXX about a court judgment they were given by a collection agency. The bank sent me an ( internal message ) email that they had frozen myChecking and Savings Account because of the court order. Based on the information I researched, out of state court judgment should be filed locally in my home state ( California ) before it can be enforced. I requested the banks legal dept. to furnish me with a home state court judgment but I was ignored. I had written them a formal request in their internal messaging system, the same way they furnished me with a copy of the court order. I didn't get a reply. I just found out today XX/XX/XXXX, that Chase had emptied both my Checking and Savings Accounts. That's all the money I've got. I'm on a fixed income from XXXX and can not afford to hire a lawyer to look into this matter if it is legally done right..Hoping you can enlighten me regarding the whole process, this way I'll know what to expect. Thank you very much for your time.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to Equifax on the accounts below for reporting these unverified and inaccurate accounts violating FDCPA 809b. This company has continuously failed to validate and or correct these erroneous accounts. Equifax In accordance with the Fair Credit Reporting Act, the accounts listed below also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX 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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 Section 604 A Section 2- States A consumer reporting agency can not furnish an account without my written instructions