23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection Account : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) Account # : XXXX Balance : {$470.00} This is a formal complaint against the collector Portfolio Recovery XXXX XXXXXXXX. I have been disputing this account directly with the collector and they have claimed that I have NOT provided new information which is to form basis for a new investigation, when in fact, I have indicated specifically on every letter that I've sent them what I wanted as part of their legal duty to do a reasonable investigation of this debt. 

In the first letter that I sent, I have asked them to validate the account, they responded with insufficient documents stating the amount that I owe without all the other documents I have asked them to provide such as a proof of my identity, proof that this account has not been written off as a tax liability. And prior to reporting this debt to my credit report, I have never received a notification from this company of planning to report this account. They never sent me that proof as well.
Product: Checking or savings account

I am filing s complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital.one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$770.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance XXXX {$400.00} ; XXXX XXXX .... Balance XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX .... Balance : {$4200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXX XXXX XXXX .... Balance : {$770.00} ; XXXX XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1900.00} ; XXXX XXXX XXXX XXXX .... Balance : {$390.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance {$4800.00} ; XXXX & XXXX XXXX Balance {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that my personal information was compromised through the cybersecurity breach of Equifax on XXXX/XXXX/2017. I filed a 90 day fraud alert on my credit profile on XXXX/XXXX/2017 and I am waiting to determine the extent of the breach before taking further action.
Product: Credit reporting

I have been working diligently to repair my own credit. My credit score was XXXX XXXX weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping everyday for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All three credit bureaus are reporting my score inaccurately. My utilization is 27 % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
Product: Credit reporting or other personal consumer reports

I see multiple inquiries that I recognize Under 15 USC 1681 B : Obligations with respect to disclosures of personal information. This a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE ALL PREVIOUS JOBS
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Reported a Derogatory 90 day late on Parent Plus Loan. 
My Phone Number changed - there was NO confirmation of email from me until today XXXX when i spoke with XXXX and then her supervisor XXXX and advised them of email and correct phone number. I never received a XXXX postal letter to advise me payment was missing. XXXX XXXX  waits XXXX days to report to the Credit repositories and reduced my credit fico score by XXXX Points. i ONLY found out of this issue from XXXX XXXX on last XXXX when i received an email at XXXXXXXX XXXX stating my Credit score had changed. 
i am a XXXX XXXX and have XXXX XXXX Payments with a XXXX XXXX ( i have excessive usage of credit this month and will reduce my debt to lift my score back into the XXXX range as it has been for the previous XXXX XXXX XXXX years. My Daughter is a XXXX XXXX XXXX XXXX XXXX and i was advised the loan was forgiven due to her service to the Community. 
i would have reached out to XXXX or XXXX XXXX XXXX had i Felt anything Different. 
i would NEVER risk my LIVELYHOOD as a XXXX XXXX. Please advise the removal of Derogatory & late fees and i will provide the full {$5800.00} via bank account upon your response. PLEASE understand this action will cause me to lose my Business. Your response and attention to correcting this unfortunate act are Sincerely Appreciated.. 
I have a copy of the MPN with NO Phone Number- this is unfair had XXXX XXXX reported as a 30 day late i would have received the notice from my other Creditors advising a change in my XXXX Score and would of had the Fair Ability to correct the Perception that i allowed a debt to remain XXXX days in Arrears WITHOUT ANY ACTION on my behalf.. I Have additional documentation supporting NO Yearly Addendum was Provided and No communication or Action was EVER Reciprocated on my behalf. although my home phone number and home Address were correct and provided in XXXX XXXX File .. i also advised the supervisor " XXXX XXXX at XXXX XXXX i would make FULL PAYMENT IMMEDIENTLY with removal of the Derogatory LATE payment reporting .. his response was he did everything " RIGHT '' and could NOT remove the LATE REPORTING because it WAS CORRECT when it was reported. EVEN When i told him the Phone number being called was Not in Service. the loan was consummated 2020 .. as a professional i would have been aware the loan was in arrears after 30 days with proper reporting XXXX a XXXX DAY report. 
ALL MY VERY BEST, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

My account was frozen around XX/XX/23 due to an unknown reason and I have submitted all required documents.. I called East West bank multiple times with no help whatsoever. There is a remaining balance left in the account that is rightfully owed to me but every time I call I am getting a different answer. I am entitled to my funds because there has not been any fraudulent transaction on my account.
Product: Credit card or prepaid card

Was alerted through XXXX on XX/XX/23 that there was a hard inquiry to my credit report. Checked and sent that Bank of America had ran a credit check. I have no knowledge, did not provide consent, nor do I do any business with Bank of America. I immediately contacted Bank of America and spoke with XXXX who confirmed that someone filed an application using my stolen information for a XXXX XXXX XXXX. I advised XXXX that it definitely was not me and she went through the steps to dispute it on Bank of America end. I contacted all 3 credit bureaus to start the dispute process to remove the hard inquiry. This is gross negligence on Bank of America side knowing that the XXXX XXXX XXXX is a well known scamming system that steals people 's identity to fraudulently open credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated from XXXX XXXX University in 2012, but prior to my enrollment there I attended for for profit vocational school, XXXX XXXX ( XXXX, Az ). During this time I accrued private student loan debt which was held in forbearance while I attend school. Upon graduation I consolidated my federal loans into XXXX, and have regularly made payments on an income based plan. When I graduated my cosigner was in bankruptcy thus resulting in me not having to pay on the private loan. I was never made aware that private loans could not be consolidated with my federal loans, and assumed I was managing my student loan debt as responsibly as I was able. This however changed when my cosigners bankruptcy ended and I was sent a bill for a payment I could not afford. 

Over the past XXXX months myself and my cosigner, my mother have made attempts to contact Navient to discuss repayment options, and have both been told that the only option I have is an " interest only '' repayment. This only lowered the payment by less than XXXX dollars and was still not affordable. I recently sent them a letter asking if other options had become available and was sent a letter back stating they will not discuss it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus.
Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Docket :  XXXX
Product: Debt collection

On XX/XX/2018 at XXXX XXXX, I received a voice mail from XXXX XXXX stating that " I'm calling in regards to some personal information of yours that has now been submitted to me. It will be in your best interest to contact me with the name and number of your representing attorney. If you were not being represented by an attorney, I urge to to contact me directly today so we can discuss your situation in the options that are available to you. My phone number is XXXX extension is XXXX ''. 

I called, and the lady was very rude. When I gave the information, she immediately put me on hold for 3 minutes. I told her that I was going through a debt-consolidation company, she said that she didn't work with that company. I had already been told that they did. She started arguing with me, and I hung up. She then proceeded to call my sister ( who I do not have a relationship with ) and then called my husband. With my husband, she discussed personal information with him. I understand that no one has the right to discuss my personal information with anyone unless I give them permission to do so. Which I did not. She had to have dug pretty deep to get my sister 's information-like I said, I do not have a relationship with her. XXXX, I don't even have her phone number. 

I understand that I got into debt. I am working with someone to get out of debt. This harassment has got to stop, and I am hoping that you can do something about it. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I noticed misinformation on my American Express account in the amount of XXXX I called American Express and they told me to it would be updated immediately as of today XX/XX/2023 this issue has not been resolved I have been unable to get answers from American Express and it is costing my credit score to have been dropped XXXX points American Express is not cooperating to have this information updated on my credit report thank you
Product: Checking or savings account

Im currently negative {$110.00} from overdraft fees. I already dont have any money in the account. They charge {$29.00} for overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX XXXX On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 reporting or other personal consumer reports

XXXX has been reporting to all XXXX bureaus inaccurate payment history showing my date of default to be both XX/XX/XXXX and XX/XX/XXXX when it was actually several months prior, also this Open-Ended account was closed past the State of Alabama Code Section 6-2-37 XXXX XXXX ) XXXX allowance causing the balance to be incorrect as well. 

The original date of default being extended inaccuratly was intentional and set in place to supress my credit perventing me from making a home purchase.
Product: Debt collection

In the date XX/XX/2019 I put some information in the credit CLEARONE like name, telephone number and fisical address to get a estimate to pay my credit debit but they use those information whitout my social security number and my permission to get a hard inquiry from my credit
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX card which I cancelled on XX/XX/2023. Paid them what they said I owed which was {$2700.00} but on XX/XX/2023 they recieved an {$81.00} payment. I received a bill for {$54.00} which is due on XX/XX/2023. I asked for payoff on XX/XX/2023 and to cancel my card. Which they did but they are telling me the XXXX is interest on XXXX. I feel like they are over charging me on the XXXX for the whole bill cycle. Everything should have been paid in full at the time I asked for the payoff and cancelled my card.
Product: Credit card or prepaid card

In XX/XX/XXXX, I ordered furniture from XXXX XXXX. Of the total furniture ordered I only received 2 chairs. The total for the two chairs was {$660.00}. In XX/XX/XXXX, with the authorization from XXXXXXXX XXXX the chairs were returned because the rest of the order was back ordered and they could not complete the order. My credit card was initially charged {$1000.00} which included two charges {$320.00} and {$76.00} which were disputed and I have a letter saying I was not responsible for these charges. With regards to the {$660.00}, I returned the chairs and continued to be charged for the chairs. In addition, on XX/XX/XXXX I was charged {$1000.00} as a finance charge adjustment and in XX/XX/XXXX. My statements show that interest charged in XXXX totals {$1000.00}. How can interest charged be more than the actual purchase of {$660.00}? I have tried to resolve this situation with Capital One as well as XXXX XXXX  and I have been unsuccessful. 
This is ruining my credit and I need a solution
Product: Checking or savings account

On XX/XX/XXXX I attempted to send money via XXXX. I was notified by the recipient they had not received the funds. I called XXXX and was told to download a security app and then various transactions began to come out of my account. I thought I was working with XXXX and it was a scammer. I contacted my bank immediately with the assistance of my daughter and granddaughter to file a claim. Now, the bank is stating I owe because the thieves provided documentation I authorized, which is fraudulent. 
Later I was notified I lost my job and someone filed unemployment benefits in my name. Now, I have to review my entire life to repair it.
Product: Checking or savings account

XX/XX/XXXX I closed my IRA with Suntrust because they don't have any branches in XXXX XXXX. As a result, I was apparently sent a check of {$200.00} issued by Suntrust XXXX, with the instrument number XXXX -- but I never received it despite regularly receiving multiple types of correspondence from Suntrust before and after closing the IRA. 

XX/XX/XXXX I reached out to Suntrust regarding the {$200.00} check that I never received. Both persons with whom I spoke informed me that I would have to fill out a form and have it notarized : a " Lost, Stolen or Destroyed Official Check Or Similar Instrument XXXX XXXX and XXXX of Loss. '' XX/XX/XXXX I realized I would have to pay a notary {$65.00} to receive back my {$200.00}. Notaries weren't working in offices due to the pandemic, so there was a {$35.00} house call fee. Yet Suntrust mailed me the XXXX XXXX form just fine and I still hadn't seen my check in the mail. Furthermore, to spend {$65.00} meant I was being fined for the bank 's loss of my check. And there was no guarantee that spending the money would actually ensure receipt of a second check. It was a quandary. 

XX/XX/XXXX I recently learned about the CFPB handling a case similar to this one -- with success! So, now I would like to obtain the {$200.00} from Suntrust that is rightfully due to me.