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

I am a victim of identity theft, and fraudulent accounts were opened in my name without my authorization. I contacted all three major credit bureausExperian, XXXX, and XXXX dispute these accounts and provided supporting documentation. XXXX promptly investigated my disputes and removed the fraudulent accounts from my credit report. However, Experian, XXXX continues to report the accounts as " verified '' despite my efforts to provide proof of identity theft. One of the fraudulent accounts is with XXXX XXXX XXXX. Despite this, Experian, XXXX, has not taken action to remove the account from my credit report. I have requested Experian, XXXX, provide documentation and the " method of verification '' for these accounts under my rights in the Fair Credit Reporting Act ( FCRA ), but they have not provided a satisfactory response. This inaccurate reporting by Experian, XXXX, is causing significant harm to my credit profile and adding undue stress. I request the CFPB 's assistance in ensuring that Experian, XXXX, : Conducts a thorough investigation into the disputed accounts. Removes all fraudulent accounts from my credit report, including the XXXX XXXX account. Provides a detailed " method of verification '' for how these accounts were verified.
Product: Debt collection

I always paid my rent with Money Orders. And this last time was no different. I gave the apartment complex my two money orders and they took them both. then about a week and a half later. Managment came to my apartment and said. That the first larger amount money order went through. But then hands me the second money order back along with a 3 day pay or vacate and adds on a late fee as management tells me that the second money order bounced. Correct me if I'm wrong, but how does a money order bounce? 
Also said we need to pay that amount along with the late fee. But can no longer use any money orders to pay it. I called the money order company XXXX XXXX and asked them about it, and they said it is still good. I see later that management failed to sign back on money order. But by then it was too late. I could not pay the amount and late fees without another money order. If I even had the money too. So, I did what the law states. I had to vacate the apartment. Which I was able to cash the money order in myself at my bank later on a few days later. The amount was only {$440.00} And now nearly six months later I get a collections report put on my credit report for {$2000.00} + dollars from them. When it is not right money orders don't bounce last, I knew. I tried disputing it, and only thing i got was told it was valid and they raised the amount by XXXX dollar more. 
I do not think this is right whatsoever. Money orders don't bounce. right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for UNITED REVENUE CORP to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you IF ANY INFORMATION SUCH NAME AND BIRTHDAY IS MISPELLED REMOVE AND DELETE FROM MY REPORT THAT IS NOT ME.

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Credit card or prepaid card

I initiated a 0 % balance transfer around XX/XX/XXXX and paid the fees for the use of the credit. From the beginning until XX/XX/XXXX, I was charged no interest. In XX/XX/XXXX A charge subject to 14.99 % interest totaling about {$27.00} was placed on the card, rightfully, which caused a minimum interest fee of XXXX cents. My minimum payment was about {$73.00}. I made a payment in XX/XX/XXXX of {$80.00} and a payment in XX/XX/XXXX of {$70.00} ( minimum payment went down to {$67.00} ), and then I made a payment XX/XX/XXXX, prior to the due date of XX/XX/XXXX totaling {$160.00}. Well above the minimum payment, and yet, I was still charged the XXXX cent minimum interest fee. There have been no other charges beyond the {$27.00} and my balance transfers are still 0 % and still within their term. <P/>I contacted the Citi XX/XX/XXXX to inquire about why I was still being charged interest and they told me that they charge interest on all balance transfer, s even 0 % offers, and they had no explanation as to why I had several bills with no interest charged until XX/XX/XXXX. <P/>My understanding is that credit companies are to apply amounts beyond a minimum payment to balances with the highest interest first. This does not appear to be happening.
Product: Credit card or prepaid card

On XXXX a {$32.00} charge for monthly parking pass by XXXX XXXX XXXX ( XXXX ). Was told by XXXX that the monthly pass could not be used by XXXX  after purchase, and to dispute with credit card company, as no refund would be issued. Capital One was the issuer for which a dispute was filed days later on XXXX. 

In early XXXX, I reached out to Capital One Dispute Center and they stated that they asked for detailed letter outlining complaint after dispute was made, and in the digital resolution letter I never received it stated " confirmation no cancellation policy was received '' ( attached ) and therefore the {$32.00} would not be credited to my account permanently. 

Reached out to Capital One again on XXXX, saying I did not receive digital notification of this, upon noticing the charge-back, and the Capital One call representative asked for a detailed letter of the dispute ( attached ), responding hours later that it had been over 60 days ( it was not ) and to contact the merchant. Furthering this ordeal, I reached out to Capital One again on the morning of XXXX and they again asked for a letter detailing the issue, and once again issued a letter saying I did not provide what they asked for ( attached ) and the matter was resolved to contact the merchant.
Product: Debt collection

this account has been sold to many collection agencies, after talking directly to XXXX XXXX, for an account that was open longer than the required min time frame. The collection is not valid and should be removed from my record. the original date of service started in XXXX and was cancelled in XXXX, the collection on my credit report looks like it was from XXXX. FYI, XXXX XXXX was sold to XXXX, which is why this collection is resurfacing after being confirmed paid in full. all equipment was returned to XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY TRANSUNION AND XXXX  BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT
Product: Vehicle loan or lease

My auto was financed through Capital One at the time of purchase. The load was paid off and now CapOne is refusing to provide me a lien release letter. They are asking me to go to XXXX XXXX XXXX to get the lien release. XXXX is owned by XXXX XXXX XXXX. CapOne has sold my information to them and now they are demanding me to pay {$23.00} for the lien release. I consider this a scam where the financial institution has a responsibility provide me the lien release free of charge. They claim they did send me the lien release. My County Clark office nor I have received it. Also CapOne refuses to provide me any proof of them sending me the lien release. Consumers should not be charged to receive their lien release once the loan is paid off. This is a scam where CapOne and XXXX XXXX is colluding.
Product: Mortgage

In XXXX, Nova Financial & Investment, my mortgage holder, applied my ON TIME PAYMENT of {$1000.00} to miscellaneous NEW subaccounts, including 1 called 'unapplied balance '. They then 1- reported me LATE to the credit bureaus and 2- began an escrow account that I never requested nor agreed to. 

I contacted the company in mid XXXX and was informed that I had a 'late balance due ' of {$270.00}. This was a strange number to me. Later on XX/XX/XXXX, XXXX informed me via tele that MY LOAN PMT INCREASED IN XXXX. I was then informed that only {$950.00} was received. This could not be. As I had just sent my XXXX payment for the same, agreed to at signing, amount of {$1000.00}. This was when I discovered their 'creative " accounting practices. And learned that monies were sent to XXXX XXXX for my property taxes. I had paid these same taxes in late XXXX, and sent Nova PROOF just as they had requested. Its clear to me now they did this to create and collect on UNJUST LATE FEES. and in the process, they wrecked my credit. Banks recently were fined for the exact same fraudulent FEE practices on checking accounts. 

On XX/XX/XXXX I emailed a complaint directly to XXXX and received a 'verification email ' that it was received and ACTION would be taken. Also, I would be contacted by XXXX XXXX within 2 days. She later said that she would 'submit to credit for a review today ' and immediately get back to me. 

It is now XX/XX/XXXX, and I have heard nothing. My good credit, and record of ON TIME payments, is now wrecked thanks to Nova. And their creative bookkeeping practices continue. Will you please help?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan at XXXX XXXX on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX  on XXXX, XXXX, XXXX. These accounts have resulted in a few fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from th US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
PXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. Per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name XXXX XXXX  XXXX 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 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: Credit reporting or other personal consumer reports

Ive been in communications with Transunion about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. They are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit card or prepaid card

I purchased appliances through XXXX XXXX  website and received a promotional period of no interest for 18 months with Comenity credit. I paid diligently over the 18 month period and paid of the last statement on XX/XX/2020 with a statement due date of XX/XX/2020. However the following month I received a bill with all the interest incurred over the 18 month promotional period. After calling the company they stated I had paid the last statement after the " promotional date '' but before the statement due date. I have paperless billing and when I paid my last statement, nowhere did it show a promotional due date on the physical website. I had to open the full paper statement to show any documentation of the date they were speaking of. Had I known straight from logging in to their website that the bill needed to be paid on XX/XX/2020 not by XX/XX/2020 I would have done so. After speaking with multiple managers they refused to do anything to mitigate this, refused to make any changes to the incurred fees, refused to offset the payments or remedy the situation in any way. All they could say was I was past they date and they Would not do anything. Not that they Could not, but WOULD not. This may not be fraud, however this was misleading to someone who chose to be paperless and was diligent about making payments to meet the deadline. They refused to make any changes to a paying customer who was on time on every bill. 11 days cost me nearly {$1200.00}.
Product: Debt collection

FirstPoint Collection Resources has been reporting a collection on my consumer reports which has been tarnishing my reputation and causing me undue hardship. I do not know who this company is. I have never received any type of correspondence from this company stating that I am obligated to pay this company for this alleged debt. I have never done business with this company nor have I ever gave any permissible purpose to this company to have my information, or to report anything on my consumer reports. Nothing was ever validated with me in regard to this alleged debt. FirstPoint has illegally obtained my personal information and chose to illegally report this alleged debt on my consumer reports without verifying the facts of this account and also without providing me the opportunity to accept or reject any validity of this alleged debt. Their illegal practices have not been fair. This grave error has violated many federal laws of the FDCPA and need to be rectified ASAP!
Product: Bank account or service

I opened a checking account on XXXX XXXX, 2016 with the Branch Manager, he offered me overdraft protection. He advised me that, the overdraft would cover changers if I did n't have the available funds in my account, and as long as I deposited the funds to cover the transaction I would not be charged any NSF fees. The morning of XXXX XXXX, 2016 I overdrew my account by {$10.00} getting gas at XXXX. That same day I made a cash deposited in my account of {$20.00} to cover the transaction from the morning of {$10.00}. My account reflected a positive balance of {$14.00}. The NSF charged for the transaction posted to my account two ( 2 ) days later and caused other transaction to be declined and more NSF Charges. I was unware due to the statements the branch manager advised me of when selling the Overdraft protection to me. I called Compass Bank to make a complaint and get this rectified on XXXX XXXX, 2016. I was told by rude agent that someone from the corporate office would be calling me back. I still yet to receive a call back and my account has not been corrected to date and more fees are occurring.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - Interview Invitation received from XXXX XXXX using email XXXX XX/XX/2022 - Interview was held on XXXX - point of contact " XXXX XXXX XXXX '' - XXXX ID XXXX : XXXX - Offered employment and emailed employment agreement and documents to complete and return. 
XX/XX/2022 - Informed needed to pay fees for software and equipment for home office and would be fully reimbursed- was provided a Reimbursement Agreement contract document and emailed a " Start Up '' check that was to be reimbursement. Instructed to print and deposit check via banking app. 
{$550.00} XXXX transfer for software licensing. 
{$950.00} XXXX transfer for office equipment and materials {$850.00} XXXX transfer for overnight shipping service for office equipment and materials XX/XX/2022- Message received the company will be emailing a check of {$5500.00} today to complete all general payment including the Tax and Clearance fee for working materials- asked to make yet another a payment of {$1500.00} with personal funds and that would be reimbursed with another startup check before the end of the day. 
This was too much. Bank of America was immediately called at this time and a complaint filed, Claim # XXXX - requested action be taken to recover my money. Bank of America has not provided any follow up even though the full information of what transpired and how it was conducted has been submitted in support of complaint. The bank put a stop payment on the check that was deposited as instructed resulting in {$0.00} reimbursement. 
Complaint filed with FTC. 
Report number : XXXX Thank you for filing a report with the Federal Trade Commission and helping to fight fraud in your community. 
The FTC does not resolve individual reports, but your report will be entered in the FTC 's Consumer SentineXXXX database and will be available to federal, state, and local law enforcement across the country. 
XX/XX/2022 - Bank of America reversed the mobile deposit of {$2400.00} stating a stop payment was made on the check on XX/XX/2022. Notice of returned item received via USPS - notice is dated XX/XX/2022. 
XX/XX/2022 - Emailed to the " vendors '' requesting immediate refunds. No responses. 
XX/XX/2022- XXXX message to " XXXX XXXX XXXX '' - " Refund my money immediately '' - no response.
Product: Mortgage

I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.