23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After years of compliance with Capital One. In XX/XX/XXXX, the company closed my account without warning and without my consent. I sent a notice of dispute in XXXX. In their reply, they said Were closing this account because activity on this and another account is not consistent with our expectations for account uses and violates the Capital One customer agreement. I called CAPITAL ONE about my account trying to resolve the account issues after I sent in the notice of dispute in XX/XX/XXXX asking for proof of their claims. My follow up notice went unanswered ; ( I assume because my auto payment was still active even after the contract termination date ) CAPITAL ONE had immediately started and has continued to report negatively further damaging my reputation via my consumer credit report, to this very day. They sent me 42 emails demanding payment for the alleged debt that contains multiple billing errors. They've been reporting a 'charge-off ' status on my consumer credit reports since XX/XX/XXXX. I, the consumer has never received a Form 1099-C from CAPITAL ONE. Since the termination of the contract, four individuals CAPITAL ONE, XXXX, XXXX and XXXXhave acted in a coordinated manner to coerce me into making payments that are not lawfully owed which is in violation of 18 USC 894 ( a ) ( 1 ) and 18 USC 371. They also did not return my deposit for my secure credit card that established my credit limit. I sent a new notice of dispute, and it has got unanswered and I'm still receiving emails demanding payment.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The credit bureaus were also notified that my information was compromised in the XXXX data breach. The collection agency that is claiming that I owe an alleged debt to their agency has failed to validate this debt. There was no original contract with my signature, no forward flow agreement, or 1099c sent to me. XXXX has since removed this account. Also note that XXXX and Transunion are reporting different dates for the date of last activity which is a violation of the FCRA. All data furnished should be consistent and accurate. Attached is my credit report to show the error. I will attach the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Prosper has placed a block on my card and account. Upon receiving my new card in the mail today, I am unable to activate and use my funds. I called and spoke to a supervisor, XXXX, who informed me all they can do is submit a request to a team who is working on it as my account is under review. Ever since I opened this account, I have had countless issues, from account blocks to fraudulent transactions and sudden limit decreases. I need my card to be unblocked with access to my funds immediately.
Product: Credit reporting or other personal consumer reports

According to the fair credit report act the list of accounts have voliated my federal protected consumer rights to privicy and confidential under 15 usc 1681 Acct name : XXXX XXXX XXXX XXXX  # XXXX 15 u.s.c 1681 section 602 A states I have right to privacy. 15u.s.c 1681 section 604 A section 2 it also states a consumer reporting aganevy can not furnish a account without my wtitten instructions 15u.s.c. 1681 states no consumer agency my make any consumer report containing any of the following items of information any others adverse teams of information other than records of convictions of crimes which aquects the report by more then seven years 15 u.s.c a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX, they call at least 4 times a week using a spoofed number and I've confirmed from them multiple times that they have 1 office in upper Illinois and they keep calling me from a Southern Indiana # - they spoof all their calls to me. I've told them 2 times about how spoofing their # is illegal and they just get rude and defensive and hang up on me.
Product: Debt collection

ive recently been trying to get the matter of a debt that was placed on my credit resolved. Due to this debt being falsely placed on my credit report ive tried different options with no success. Ive sent 609 letters asking for them to validate the debt with no luck its been over 4 months with nothing. Recently i called them directly and was transferred to a XXXX XXXX. it was stated that they have no clue how the amount came about and would have to investigate, i was told it would ake 48 hours, 48 hours passed by no update so i called them back only to be notified that they still are investigating where the balance came from. So i asked the rep you guys basically reporting a debt you have no clue about she stated they 're still investigating. I told her this needs to be deleted off of my report because its inaccurate in a nutshell she told me no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account that I see on my credit report : Portfolio Recovery Associates account XXXX Please investigate and delete asap.
Product: Credit card or prepaid card

Unrequested EMAIL communication from Wells Fargo Credit Card ( WFCC ) SECURITY/FRAUD DEPARTMENT SHOWING DENIED TRANSACTIONS AND ASKING IF CHARGES WERE VALID ( THEY WERE NOT ) WHILE PERFUNCTORILLY AND AUTOMATICALLY CANCELLING CURRENT CREDIT CARD WITHOUT CONSUMER RECOURSE OTHER THAN THE HASSLE OF NOT HAVING CARD WHILE WAITING FOR SLOW, SNAIL MAIL OF REPLACEMENT CARD MAILED TO ANOTHER COUNTRY.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report Hard Inquiries were identified from : 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  These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Debt collection

IQ Data International placed me for collections XX/XX/XXXX for {$540.00} from an apartment complex I lived at. I only noticed it because I was checking my credit score about a week ago and noticed something was very off. When the gentleman called and first notified me about the attempt to collect, he told me I owed {$540.00} from the property. On the phone I never refused to pay, but I did ask for a written letter stating all of the information he went over. He proceeded to say it was sent to my old apartment complex ( which I moved from ) but refused to forward it to my current address or email address. After arguing with me and saying that he is going to have to send me to collections if I do not pay he finally took down my mailing address but I still never received a letter. I am not sure on the date when he first called because of the different numbers used to call in but I have a voicemail from XX/XX/XXXX and it shows we called back and forth that day as well ( I do have call logs if needed ). He called my cell phone a few times and even called my work before my office manager at the time had to tell him that we do not allow personal calls. I figured he could not proceed without me having seen any letter stating I owed anything so after time went by I figured the issue was dropped - which was just an unfortunate mistake on my end.
Product: Credit reporting or other personal consumer reports

I disputed the dates of a car loan that was attached to my name, I informed them that the vehicle was purchased in XX/XX/XXXX instead of the XXXX date they have for the credit report I explained the balance of XXXX for the remaining balance was indeed inaccurate. Experian contacted me back and stated the information was accurate when Ive stressed that it isnt.
Product: Credit reporting

I HAVE SENT IN ALL DOCUMENTS OF POLICE REPORT AND PROOF THAT I DID NOT INQUIRE FOR CREDIT WHICH I HAD XXXX XXXX WHERE I WAS IN ICU FOR ALMOST 3 YEARS AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO GET A NEW DRIVERS LISC. I WILL BE FILING A MAJOR XXXX DOLLAR ALW SUIT AGAINST THESE CREDITORS.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX {$540.00} This collection is the results of identity theft and fraud.
Product: Student loan

I was initially told over the phone by an employee of Mohela that my IBR ( SAVE ) application was not done even though it was documented before this on the StudentAid government website. The employee then said I was not eligible to be placed on administrative forbearance and I was required to start making payments on the standard payment plan which was a struggle to afford. Then I applied multiple times for the SAVE plan with pending applications still in process. Eventually they never responded until an email saying I was on interest free forbearance. All the while my account is accruing thousands of dollars worth of interest. They do not answer emails nor can you reach someone by phone in an appropriate amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX on all three credit reports are reporting different last activity dates I disputed all reports and experian XXXX  and XXXX  told me it was verified how can it be verified if the same account has different reports they did not verify reports XXXX  Last activity date XXXX XXXX Experian. 
Last activity date XXXX XXXX XXXX  Last activity date XX/XX/2019 2019
Product: Debt collection

XXXX XXXX from Caine & Weiner has contacted me via work email more than 20 times in the past 20 days in regards to a debt that is not associated with me or my company. My husband and I purchased assets only of a small business in XXXX of 2019. XXXX was notified that the company was under new ownership. The previous owner also notified XXXX that the debt had been settled years ago. Despite the fact that this debt does not belong to me or my company and we have asked that XXXX and Caine & Weiner stop contacting us about this debt, her emails persist.
Product: Student loan

I have made more than 240 payments and my loan has been in default since covid. Which qualiifies me for student loan forgiveness. However, I'm still receiving bills and it's still on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX the company reporting me has having a 30-day late payment penalty. I've had the card since XX/XX/XXXX and have always made payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, SYNCB/PAYPAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I only have one name and one address there are multiple listed on my credit report names I've never gone by addresses I never lived
Product: Bank account or service

I had a Wells Fargo checking account. Over the past several months, I kept on getting charged for low balances in the account even though my average balances for the month were over the minimum. I guess Wells Fargo has a rule which states that if the balance falls even {$1.00} below the minimum, customers get charged for this. I had a direct debit attached to the account to eliminate the minimum balance issue, but to no avail. I eventually got fed-up with Wells Fargo and asked to close my account and get a refund of the balance which was in excess of {$2000.00}. The account was asked to be closed over 1 month ago, and I am yet to receive my money from the bank. I have called the bank many times, been transferred around, been put on hold for hours. Now Wells Fargo is stating that the check was sent to over a month ago. Furthermore, they have not told me why the amount it my checking account was not just transferred into another bank ( which was linked to this account ) as I had instructed them to them. Finally, Wells Fargo has asked me to send them a notarize letter stating that the check was never received and to wait 90 days from the time they receive this letter before they will reissue another check. 
I think this is unfair, unethical, and illegal. The bank basically has kept my money and continues to keep my money and expects me to wait for over 3 months before I can get it. 
I would like my money back from this thieving institution.
Product: Credit reporting

I previously disputed a creditor that was listed on my Experian report XXXX amount {$2500.00} acct # XXXX The Item was not removed it up updated. I also sent the same letter to XXXX and the creditor was removed. Attached is a report from XXXX stating that their investigation was complete and the Item was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$10000.00}, {$7100.00}, {$4300.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- XXXX XXXX 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : 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.
Product: Credit card or prepaid card

I closed my account with best buy back in the spring of XX/XX/XXXX and paid what little I owed. I never heard from them until XX/XX/XXXX a statement that I owed them XXXX for late fees but there were no charges on my card. I called best buy and informed me I did not owe late charges and they could not tell me what the late charges were for since I cancelled the card in the spring of XX/XX/XXXX. I called the bank that manages the card Citibank I told them I canceled the card in the spring XX/XX/XXXX they said I closed the card in XX/XX/XXXX. I received another letter from Citibank about fraud I called them told them I cancelled the card around XX/XX/XXXX the young lady told me it was closed in XX/XX/XXXX. She did not help me much so I called Citibank again and talked with another lady. I asked her when did I close the credit card she told me it was XX/XX/XXXX. It is evident that neither Best Buy or Citibank knows what they are doing. I did not owe them the XXXX charge that I paid. I want to report this so it does not happen to some one else. I will never do business or my family with Citibank or Best Buy ever again!
Product: Vehicle loan or lease

This is a motorcycle that my x boyfriend that didn't have the credit at the time, got his friend to put the loan in his name. Now my x boyfriend has XXXX his job and couldn't make the payments and I don't know how they got my business phone number but they won't stop harassing me over this. EVERY SINGLE DAY! When I've had nothing to do with this my name is not on this loan. I want them to leave me alone. Even if I block them they call from a different phone number. I don't need them calling my business phone line. Please make them stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.
Product: Debt collection

I need TransUnion, XXXX XXXX to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their XXXX was in training, he XXXX me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX  Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$100.00} Needs Attention
Product: Debt collection

I am making regular monthly payments on this account. This company calls me daily. I have asked them repeatedly to stop and blocked several numbers. They have also reported this to my credit report as deragatory even though I am making regular payments.
Product: Checking or savings account

i asked for my account to be closed and they are taking me thru XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I noticed different accounts on my credit report that I have no knowledge of. I requested the accounts be verified to no avail. 
There are 12 inquiries from different banks in which I never consented. 
XXXX, XXXX  and Experian has been reporting these accounts without verifying them. 
XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX  {$580.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple Fraudulent account on my credit report and Experian is refusing to Accept my Official FTC Identity Theft Report Sayin Quote ''The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : '' " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' These are the Fraudulent Accounts Account Info Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Account Info Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Account Info Company XXXX XXXX Bank Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Account Info Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Account Info Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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