23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX I was apart of Transunions inquiry issue, they were deleted from my credit report and then reinserted without proper notification. Customer service would not help with the matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, Co-owner, confirmed that I have the Traditional IRA and still active. She said that I am over wealthy in revenue that the Guaminians  disbelieved and a staff in XXXX XXXX requested I leave the premise.
Product: Credit reporting or other personal consumer reports

On my Experian report there was an unrecognized and not local address that was added to my records. I reached out to Experian via instructions provided through the app And never received a reply or correspondence
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank , N.A . closed my Costco Anywhere Visa based on inaccurate, faulty information. Citi customer service as well as management stated their decision was based on information received from XXXX, the credit bureau, which according to citi the report showed a delinquent credit card in my name and managed by Citi. I communicated to Citi I had no other credit card issued by Citi. I asked for Citi management to review my credit, which I had to provide and which showed no discrepancies, delinquencies, or derogatory information as of XX/XX/2020. I communicated, called Citi almost on a daily basis for about 3 to plead for someone to review their erroneous decision. I informed them that my employment is contingent on my clean credit, but my pleads were ignored, refused because once a credit decision is made, citi does not retract their decisions. Now my credit report shows CITI credit card closed and it now contains derogatory information. The closing of my Anywhere Costco credit card reflects badly in my credit report and therefore in my employment. I am very careful about my credit ; I pay the entire statement at all times and its even set up to be paid automatically to avoid any lateness or fees. 
Citi informed me that the only recourse available to me is to re-apply for the credit card or file a formal complaint. I will not apply for the credit card because I have no delinquent credit card.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Vehicle loan or lease

I entered into this contract agreement with XXXX XXXXCredit Acceptance without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX  XXXXCredit Acceptance willingly and knowingly took advantage of me and my consumer credit.I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission i am not liable for any finance or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 
In addition, I was given false and deceptive information ( violation of 1692e ) as i was told that a down payment of { {$3000.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges.
Product: Debt collection

I am writing today because I believe that either XXXX  ( Charter Communications ) or CBE group is trying to extort funds from me. When I cancelled my XXXX  service, I went into the XXXX office in XXXX GA and returned all of my equipment. 
Please refer to attachments in parathesis below. 

On XX/XX/2023, CBE sent me egregiously inflated bills ( " XXXX XXXX XXXX XXXX XXXX  '' ) allegedly balances I owe to XXXX. However, on XX/XX/2023, XXXX had turned over the balance of my Mobile account to a collection agency, called XXXX XXXX and they sent me a request for payment of {$69.00} ( see attached XXXX XXXX XXXX '' ) and I submitted payment that same day ( see Payment to XXXX XXXXXXXX XXXX ). Initially back in early XXXX, I submitted a complaint to the XXXX  against CBE because I was not sure which amounts they were trying to collect from because I had already submitted proof of payment ( above ) of the {$69.00}. Then CBE group then consulted with XXXX about this {$69.00} and then XXXX escalated their invoices to inflated amounts, not owed. I submitted a payment of {$110.00} ( see attached labeled " XXXX payment '' for proof of payment ) and now XXXX is showing I now owe a balance of XXXX in my XXXX  account ( See attached, " how much is due to XXXX .. " ) to verify that I owe a XXXX balance. And the amounts I paid were substantially less than the balances sent to me by CBE group. Additionally, if I owed balances for unreturned equipment, these balances should have been listed in my XXXX  account, but they weren't because I had already personally appeared in the XXXX office in XXXX GA to return this equipment. 
They are LYING and I plan on submitting complaints against XXXX  as well as CBE to Fraud complaint with Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

PORTFOLIO RECOV ASSOC {$680.00} Balance updated XXXX XXXX, 2022 PORTFOLIO RECOV ASSOC {$1600.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
Product: Credit card or prepaid card

My complaint is against Capital One Bank, in 2020 when covid was raging I was approved for unemployment in XXXX through a hearing when my payments abruptly stopped through no fault of my own, the ceased payments caused me to get XXXX miss payments in XXXX & XXXX. I have NEVER had a missed payment EVER with my Capital One accounts, Card or Auto and as soon as I had the money I paid my account. I have spoken to Cap One and even offered cash to remove the missed payments but all they would say is that they were running a program for covid hardship and since that's closed theres nothing I can do, but my point is I didn't know of said program nor had the ability to learn of it due to I couldn't pay for cable and would have went homeless if not for the eviction moratorium. As a Capital One member that all but those XXXX missed payments has exceptional payment history should be cut some slack with this.! It wasn't my fault the money stopped, I am high risk plus couldn't get childcare to work there was literally nothing I could do. I personally feel as if I'm being bullied for something that was out of my control and I really need some help to clear this egregious oversight up Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to XXXX  and Experian about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of XX/XX/XXXX. Experian and XXXX   told me they verified with a company but I sent a letter in XXXX with method of verification to both experian and XXXX  and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from TransUnion saying they did not complete my investigation request because it looks like my request came from an unauthorized third party. This letter was mailed by me, with my return address on it, and it with my digital signature. There is no way they thought this came from a third party. This is a clear attempt to ignore my investigation request and that is a violation of the FCRA. Also there is no law saying that a third party request can not act on my behalf if I gave them permission. I mailed the letter on XX/XX/2022.
Product: Debt collection

On Friday XX/XX/2020 I was contacted numerous times by XXXX " XXXX XXXX '' he said he is a locator trying to issue me paperwork for case # XXXX XXXX and that I needed to contact XXXX. After he gave me the message he was intending to give he proceeded to contact my daughter and threatened to come to her address- he stated her address- he then contacted my EX- Husband and gave him the same information he already gave me ... I have been divorced 6 years, his name is on NOTHING!! When calling the XXXX # - XXXX XXXX, XXXX said I owed ACE Cash Express {$340.00} plus {$200.00} extra for a locator fee. 
I have requested numerous times that they stop calling on all numbers they have, including my work number!! I have received several messages with threats to show up at my place of employment as well as my house and daughter 's house. 

PLEASE HELP
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that, as defined by 15 USC 1681 ( a ) ( 2 ), " consumer reports '' do not include any reports containing information solely as to the transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations like Early Warning Services. The mentioned events, such as NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' that occur in a private business relationship between myself and my bank, not between myself and Early Warning Services. I never opened an Early Warning Service line of credit account, and therefore, these events should not be reported by your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

Transunion still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

XXXX all XXXX fro still having incorrect information XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been letting Experian know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2.  VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED  COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Product: Mortgage

I am receiving restricted calls from the collection department ( Cross-country mortgage ) saying I'm not being worked with on a loan partial ( which I am working with loss mitigation ) for my Covid Forberence that ended in Decemeber XXXX. ( pictures attatched ). I received a call XX/XX/XXXX from the initials LiL ( women ). She did nothing but tell me I'm not being worked with on the loan partial when I know I am. I'm being in constant contact with the Loss mitigation department and I'm just waiting on the under writers. Due to high volume it is taking a little longer. So after I talk with initials LiL and she asks me for full payment I ask to be transfered to loss mitigation to see what's happening. Once I'm transfered a very rude gentleman in the background is yelling THIS IS NOT HOW IT WORKS and he hangs up!!! So I immediately call back and speak with a women from loss mitigation process and everything is fine she tells me they are just waiting for the approval and it will take time due to high volume. So now today XX/XX/XXXX I am receiving an email saying " We have previously notified you about the delinquency of your account. Our records indicate that we have not received your payment which was due on XX/XX/XXXX. ". I Was in covid Forberence until decemeber XXXX and resumed making my normal house payments in XX/XX/XXXX and since then have been making them. Why is the collection department saying I am delinquent from XX/XX/XXXX. Please look into my account. As of now I am being told I am waiting for approval on loan partial but am now starting to be harrased by the collection department.
Product: Money transfer, virtual currency, or money service

I am trying to transfer money back into my bank account from the XXXX app but its saying capital one blocked me from enabling external applications and its very frustrating.
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.

- XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXXXXXX : # 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 XXXX 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

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  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

On XX/XX/2019 I used my Western Union App to send {$100.00} ( XXXX XXXX  Baht ) to my wife who needed it to take our daughter to hospital for XXXX fever. When she went to pick up the money she was told to refer me to an email that they had sent which stated that the money would not be available until XX/XX/2019. When I called to inquire why my money was being held they blamed my bank. When I checked my bank they informed me that the money was removed by WU at XXXX XX/XX/XXXX, which means WU instead of honoring my money in minutes option, they waited fifteen hours to begin the transfer. When I tried to speak to supervisors at WU they either hung up on me or refused to answer their phones when My call was transferred. 
I am sure that this is part of a much larger conspiracy to keep peoples money so WU can earn interest. 
I will never use the App again, because even though out of twenty transfers this is the first time WU borrowed my money for a week, you never know when the algorithm that they are using to select victims will choose you again.
Product: Credit reporting or other personal consumer reports

THE METHOD OF VERIFICATION TO YOUR COMPANY, THIS LETTER MAKES IT CLEAR THAT I AM NOT DISPUTING ANY ACCOUNTS. 

THIS IS NOT A REINVESTIGATION OF THE ITEMS I DISPUTED IN MY PREVIOUS DISPUTE. DO NOT OPEN A REINVESTIGATION. I REPEAT, DO NOT OPEN A REINVESTIGATION ) ( I DO NOT AUTHORIZE NOR DO I WANT ANOTHER REINVESTIGATION ) ( I REFUSE ANOTHER REINVESTIGATION ) ( THIS IS NOT ANOTHER DISPUTE. I DO NOT WANT ANOTHER DISPUTE ) ( I NEED THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT LISTED THAT YOU SAID WERE UPDATED AND VERIFIED ( XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I AM ALSO SEEKING FOR DAMAGES {$5000.00} FOR VIOLATING THE FCRA FOR NOT GIVING ME THE METHOD OF VERIFICATION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX NOT PROVIDED XXXX {$670.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX / XXXX Date Opened : XXXX / XX/XX/ In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.