23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been trying to get a debt validated on my credit report for the last year and each time I have called Procollect Inc., a third party collector, they have been very rude to me and told me that they do not have send me any proof that I owe this debt because they sent it. I never received any paperwork. I just found out last week that there were too evictions filed against me. I contacted the original creditor about this debt XXXX XXXX XXXX XXXX and they told me they didn't have any information and I would need to contact Procollect Inc. I have not been able to get any supporting documents that I truly owe this debt and it is killing my credit and prohibiting me from renting an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If XXXX XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax gave the information to XXXX XXXX XXXX and on XX/XX/2022 Equifax told XXXX XXXX XXXX Bank and XXXX XXXX about my credit report. I have been asking all year for equifax to send me a copy of my report. I asked Equifax again on on XX/XX/2022 to send me a copy of my report. How can I dispute the report, when they will not send me a copy? .Equifax keeps giving me a score of XXXX but will not follow their own rules! I need a copy of what is Equifax is saying about me.
Product: Credit card or prepaid card

The Capital One XXXX XXXX transfer portal has been down for maintenance for weeks and Capital One has not issued any timeline or communication on when this issue will be resolved. All 17 transfer partners read down for maintenance so award travel can not be booked and this is concerning during the holiday travel season. I reached out to capital one via social media and only response I received was this feature has been temporarily shut down for members but no timeline when it will be working again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with credit karma and the misleading credit card offer that plunges your credit score when you apply
Product: Mortgage

we have notified BMO by phone and by email over the last 5 months .... BASICALLY THEY KEEP SENDING PAYMENT REQUESTS TO OUR old address and no matter how many times we notify them of what has been our current address FOR OVER 5 MONTHS NOW. they dont process the change.
Product: Mortgage

put in some information on line like name address number and it never asked me to pull my credit and the person on the phone XXXX XXXX Licensed Lending Officer NMLS # : XXXX Pulled my credit without my permission
Product: Checking or savings account

I called XXXX about my account and got some ghetto woman on the phone. When I caught her in a lie and demanded her supervisor, she got rude and told me she didn't have a supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Subject : Opt- Out of sharing my Personal Information Dear Axiom Team, I am writing to formally request the deletion of all my personal information from your company 's database. I previously submitted an opt-out request online, and I would like to ensure that my information is completely removed. 

Please confirm that you will not share or sell any of my personal information. I expect a prompt response to this request, as it is important to me that my privacy is respected. 

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

On XX/XX/2018, I open a new checking account with JP Morgan Chase Bank. In addition, I received a coupon for {$200.00} bonus ( tracking # XXXX ) if I receive a direct deposit of XXXX or more from one of the following within 60 days : a. ) Employer. 
b. ) Government Benefits. 
c. ) or Government. 

However, in this case I received a direct deposit in the amount of {$860.00} from the government on XX/XX/2018. Unfortunately, they claimed I was not eligible when the coupon I applied for indicates that I was eligible. Therefore, I filed a claim with the escalations team and they told me that it has to be reoccurring when the instructions clearly states a one time direct deposit of XXXX or more. In addition, I recently filed another claim with the Executive Team on XX/XX/2018 and was told that I will receive a call within 2 business day.  However, no one reached out to me to try to resolve my concerns, especially after I reached out multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked XXXX for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
Product: Credit reporting or other personal consumer reports

The following account remains on my Experian credit report after I requested the Description of the procedures used that led to the account being verified. I also requested the name of the person that Experian spoke to along with their Telephone number and address that by law I should have received in 15 days. 

I received NOTHING that even remotely resembles what is required under this law and I understand I could go to court and sue for monetary compensation. 

I submitted my dispute and my request in advance if any account was verified via CFPB # XXXX on XX/XX/XXXX and Experian acknowledged receipt on XXXXXX/XX/XXXX and in VIOLATION of FCRA 611 they contacted me more than 35 days later on XX/XX/XXXX which is another FCRA violation as they exceeded the 35 day timeframe required by law.

I disputed 6 accounts because my privacy rights were being violated in accordance with FCRA 602 which states I have a right to privacy, and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions along with The Gramm Leach Blilley Act Section 6802. 

XXXX # XXXX is the account that remains of the 6 that I disputed and I want this account deleted immediately or I will eventually have to SUE for all the aforementioned violations.
Product: Credit reporting or other personal consumer reports

Un- authorized Inquiries and accounts XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!
Product: Debt collection

I received a phone call on XX/XX/XXXX at XXXX XXXX while driving home from work. The call was from a collection agency notifying me that I owed money from an unpaid utility bill in the amount of approximately {$160.00}. They mentioned they had sent a notice via US mail, I asked what address it was sent to and they gave me an address at which I've never resided. I supplied them with my updated address and they were going to send me bill. I mentioned I was not able to give them any payment information at the moment since I was operating a motor vehicle. 

The morning of XX/XX/XXXX I checked my credit report and noticed the collections agency had reported the account to the credit bureaus. I still had not received a notice in the mail so I tracked down the number of the agency, Radius Global Solutions, from the credit report and paid the debt of {$160.00}. They mentioned they would report the debt as paid to the credit bureaus, however I'd like collections account to be removed entirely from my credit reports since the debt was paid within a week of actually receiving notice. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX, and Account number : XXXX {$6500.00}, {$4700.00}, {$3500.00}, {$3300.00} 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been with TD bank for quite awhile now, i have recognized some unknown fraudulent charges and disputed it immediately. TD bank had then gave me a partial credit and froze my account. Stating I had to go into the branch to confirm my identity, I then visited the branch confirming my identity and at that time my account still was remained locked and TD stated due to the fraudulent charges they wanted to close my account but still have yet provided me my funds and its been almost a month. TD bank is unlawfully holding my money without Rule of good cause or providing me with information why my funds are being held after telling me I could go into the branch to retrieve them
Product: Credit card

I filed an complaint with Discover on XX/XX/2015, I advised Discover that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Discover are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Discover company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Discover are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Discover fail to respond in writing, signed by hand, in a timely manner, I will assume that Discover are in error and this matter will be challenged. As Discover further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Discover claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XXXX, Discover have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by ALDOUS AND ASSOCIATES 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 ALDOUS AND ASSOCIATES 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 ALDOUS AND ASSOCIATES LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that ALDOUS AND ASSOCIATES LLC XXXX lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Money transfer, virtual currency, or money service

Hello, I fell victim to a scam housing rental in the city of XXXX XXXX via a spoofed XXXX advertisement and leasing agreement. The end result was a loss of {$3500.00} in wire transfers believed to be designated for first months rent and deposit. My bank is Wells Fargo and the receiving bank was XXXX. 

This incident was initiated by a XXXX posting ( expired link - https : /XXXX XXXX XXXXXXXX ), that was intended to be a month to month rental following my move from XXXX, XXXX. 
After vetting the location and posting, reached out via email to confirm details and try to confirm legitimacy of the landlord and posting. This was best represented by the leasing agreement I requested and carefully audited. This can be sent as a digital attachment when ready for review. 
The leasing agreement for XXXX XXXX XXXX, XXXX XXXX, XXXX, called for the total {$3500.00} to be provided by wire transfer prior to move in on the date of XX/XX/22. The landlord, XXXX XXXX, requested that this be sent one month in advance to secure booking as many other rental sites do. The money was sent first on XX/XX/22 to cover the {$1000.00} deposit and finalized on XX/XX/22 to cover the {$2500.00} for first months rent. 

Fast forward to the date of move in, XXXX I drive down from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  to find the residence is occupied by another renter. I ask the renter if the posting I had was valid, and they confirmed it was a scam under the same address. 
I attempt to contact the landlord in any way possible from the duped leasing agreement with no luck, my funds are now permanently gone. 

This was a huge financial and time loss, not to mention making me immediately XXXX  living out of a car until I could find an apartment. 

Despite the above, I managed to initiate a claim to review the fraudulent wire transfer of {$3500.00} with my bank, Wells Fargo. The banker in office told me I should expect at least a credit or full amount returned given my experience. 

Two months later ( and after several calls ) I finally get a decision from the bank via mail. They informed me that the claim was denied due to the receiving banks inability to pay back the funds. This was hugely unfair by the receiving bank with fraudulent funds and even more disappointing by my own bank not to take action for a customer. I am now placing a report with XXXX per XXXX XXXX XXXX  direction and following up here at CFPB in hopes of recouping some or all taken funds.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Request for Assistance with Unauthorized Charges and Dispute Resolution Dear CFPB Team, I am writing to urgently request your assistance in resolving an issue with unauthorized charges on my Navy Federal Credit Union XXXX NFCU ) account. Despite my efforts to resolve this matter directly with NFCU and the involved parties, the situation remains unresolved and has left my account in a negative balance. 

XXXX XXXX XXXX  Details of the Issue : XXXX. **Unauthorized Charges : XXXX - On [ specific dates ], several unauthorized ACH charges totaling {$960.00} were made to my NFCU account by XXXX XXXX 
- I promptly filed a claim with NFCU, who initially provided a temporary credit for the disputed amount. 

XXXX. **Claim Denial : ** - NFCU has since denied my claim, stating that XXXX XXXX XXXX authorized the charges. 
- As a result of this denial, the temporary credit was reversed, and my account is now negative by {$960.00}. 

XXXX. **Attempts to Resolve : ** - I have contacted both NFCU and XXXX XXXX XXXX to seek clarification and resolution. However, I have not received a satisfactory explanation or resolution from either party. 

XXXX XXXX XXXX Impact : - The reversal of the credit has severely impacted my financial situation, leaving my account in a negative balance. 
- Despite my efforts to resolve this matter, I have been unable to obtain clear information or appropriate action from NFCU or XXXX XXXX Bank. 

XXXX XXXX XXXX Request for CFPB Assistance : Given the severity of the situation and its impact on my financial stability, I am urgently requesting the CFPBs intervention to : XXXX. Investigate the unauthorized charges and the basis for their authorization by XXXX XXXX XXXX 
XXXX. Ensure that NFCU and XXXX XXXX XXXX  provide clear and accurate information regarding these charges. 
XXXX. Facilitate a resolution that corrects the negative balance in my NFCU account and addresses any improper handling of my dispute claim. 

XXXX XXXX XXXX Supporting Documentation : I have attached copies of my account statements showing the unauthorized charges, correspondence with NFCU, and any other relevant documentation. 

I was also a victim of identity theft early this year and have attached the police that was made I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue urgently. 

Thank you for your time and help. 

Sincerely, XXXX XXXX
Product: Credit card

The only negative in my report is in Capital One XXXX Opened XXXX the History there is late IN XXXX. **It is not late. The card charged me for Cell Phone Insurance payment that I never ordered. **I called XXXX XXXX. They acknowledged their mistake. They cancelled the Insurance payment request. **At that time I closed my account with XXXX Balance. **I am asking to remove this XXXX negative incident from my Credit Report
Product: Payday loan, title loan, personal loan, or advance loan

My payments are due on the XXXX day of each month and the calls start immediately after that. I spoke with someone on XX/XX/XXXX at XXXX pm to schedule a payment to be taken out of my checking account on the XXXX day of XXXX and received a confirmation email about this arrangement on XX/XX/XXXX at XXXX XXXX. I also paid {$95.00} in past due fees on XX/XX/XXXX. I also do not agree with the amount of interest that continues to accrue on my account as if I have paid nothing toward this original {$2000.00} loan according to my credit report. Since setting up the payment arrangement on XX/XX/XXXX for the payment that was due on XX/XX/XXXX to be deducted from my checking account on XX/XX/XXXX I have received multiple calls all day and evening from different people and different numbers continuing to inquire about a payment when I was told that a payment arrangement would stop the collection calls. I feel like it is harassment and mob activity at this point, and this has to be illegal. I can't even work without them calling my phone all day from multiple numbers. Some of the numbers do not even identify the company is calling and it could be anyone for all I know but they want me to verify my information. This entire situation has made me very uncomfortable, and I need help, please.