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

Approximately 45 days I contacted XXXX of XXXX to purchase a XXXX XXXX XXXX XXXX XXXX for my business XXXX XXXX XXXX. I explicitly communicated to the sales person and the Finance Manager that the sole purpose of the transaction was to obtain financing for the vehicle under my corporate profile to further establish my corporate credit by adding a secured trade line that would report to the various credit repositories. Almost a month passed by when I realized that my trade in ( XXXX XXXX XXXX ) had not been paid off. The new finance manger told me that the previous finance manager had forgotten to get several signatures on the contract and needed me to come in and sign the missed signature blocks. I agreed to come in and execute the documents. XXXX weeks later I realized my vehicle had still not been paid off and I was in jeopardy of my existing lien holder marking me 30 days late with all XXXX credit bureaus which caused me to have to make an additional auto payment on top of the $ XXXX down payment made for the purchase of the new vehicle. On XX/XX/XXXX I received a notification from XXXX and XXXX that a new auto loan in the amount of $ XXXX was now reporting on my personal credit report which lowered my personal credit score from a XXXX to a XXXX instantly. In the end I was charged over XXXX % interest for a vehicle that was intended to be in the name of my corporation for no reason. I agreed to the higher rate only to accomplish the loan being funded through my corporation. I have suffered financial damage both interest rate wise and credit score wise due to bait and switch tactics as a result of unfair, deceptive and abuse tactics of this dealership. I contacted the General Manager two times with no response. In addition I contacted the new finance manager who was extremely condescending, unprofessional and disrespectfully combative when I attempted to seek resolution.
Product: Checking or savings account

i am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from child support and 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: Debt collection

I received a text message on XX/XX/24 from XXXX from Spring Oaks Capital , LLC. wanting to set up a payment plan for {$100.00} a month for nine months. This payment plan is for XXXX XXXX I would assume is a defaulted account. 

I do not have or applied for an XXXX XXXX, so I do not know why this debt collector has my cell number and is trying to collect this debt from me. This company has started calling my cell today, XX/XX/24 at XXXX XXXX without leaving a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$48000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$18000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX {$9400.00}
Product: Debt collection

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report under 15 USC 16c-2. The inquiries listed were unauthorized and negatively affecting my credit. Please eliminate all unauthorized hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX XXXX Balance : {$100.00}
Product: Money transfer, virtual currency, or money service

My coinbase account is restricted. I can not transfer funds out of the account. My money is essentially locked in their application and they are being unresponsive to my emails to their customer support line regarding this case. It has now been several months since Ive been having this issue with no progress. This is extremely sketchy and dangerous behavior for a company charged with the responsibility of protecting the publics digital assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXX XXXX was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. XXXX acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, XXXX report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.
Product: Payday loan, title loan, or personal loan

I have a complaint about a finance company who allowed and individual to receive a loan using my information wondering how but anyway I think it was an estimated amount of {$5000.00} and it's still XXXX left to pay on it I have copies of all the harassing letters to me after I have contacted them around numerous occasions that this account was two none of my knowledge they said they will check into it and they never respond back I would always have to call them back after they said able check into it as if I was lying and I have told him that I was in that I need for myself because I was applying for help I was getting denied due to this apartment account been past due and things but I finally got someone to help me investigate and look into it and XXXX and the fraud people working on it and investigated and it came to pass that I had no attachments to this account that was bringing my credit down for no reason to me and I even explain to them the eye was in dire need of some help myself with a loan me applying and I applied with them and they turn me down and it was something dealing with that account so since this period of time over this 3 years spam of stress and me being harassed for someone else 's account to I think that they're there to be compensation for me and I want to prosecute thank you
Product: Credit card

1. I applied and was approved for the Citi XXXX Credit Card on XXXX/XXXX/2016 and provided address A on the same day. 
2. I changed my home address on XXXX/XXXX/2016 because of moving and gave them my address B, however I have n't received my credit card until XXXX/XXXX/2016. During this time, I have told 10+ time my new address B ( which is the same one I provided on XXXX/XXXX/2016 ) over 10+ call with Citi. 
3. On XXXX/XXXX/2016, I wanted to pay for {$700.00} balance in my tuition online ( which is a legit school website ) and my card was declined for no reason. 
4. I immediately called Citi and they told me that because my phone number is invalid ( which is unreasonable because I am calling them from that phone number all the time ) and I do n't have a homeline ( I only have a cell ) and I do n't have another Citi credit card with them. So they CA N'T verify my ID. They told me the only way to verify my ID is that they will send me a letter in mail and I should follow the instruction. 
5. Today is XXXX/XXXX/2016 and until today I have n't received any mails from Citi. 
6. I called Citi on XXXX/XXXX/2016 asking about the letter in mail and they told me they would send me another one. 
7. To conclude : I applied for this credit card on XXXX/XXXX/2016 and I ca n't even use my card for XXXX time as of XXXX/XXXX/2016 and I do n't know how long I have to wait.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity. 

For consumers, 15 U.S. Code 1692 ( g ) provides essential protections by ensuring they are informed about their debts and have the opportunity to dispute any inaccuracies. Understanding these rights can empower consumers to manage their debts more effectively and protect themselves from potential harassment or misinformation from debt collectors.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXXXXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXXXXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, XXXX, I requested on or around XX/XX/XXXXXXXX  for validation of the debts I mentioned and the XXXX  XXXX filed in XXXX XXXX Nevada in XXXX. I have not received validation of these debts. I also disputed credit inquiry and they are still on my credit file. I'm asking for the validation before I seek legal counsel. It's been 30 days and what progress has been made on my request for proof of validation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
Equifax 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( collection department agency/attorney ... original creditor is XXXX XXXX XXXX for the amount of {$2800.00}. opened on XX/XX/2020.. Balance updated on XX/XX/2020.  The Bill is for a XXXX XXXX XXXX for XXXX. I am a female and my name is XXXX XXXX. I was formally married to XXXX XXXX   and resided at XXXX XXXX XXXX in XXXX Ga XXXX. XXXX XXXX has a brother named XXXX XXXX XXXX. its seems this bill belongs to him. I have reported this to law enforcement and the amount needs to be removed from my credit report, because I am not the responsible party for the payment. It is incorrectly reported and appears on my experian credit report. I have filed a dispute to this effect. Police case # XXXX
Product: Credit card

I am the victim of Fraud. XXXXXXXX XXXX Home Depot/Citibank account opened in my name. I never applied for. ( partial account # XXXX as reported on XXXX report ) ). I have called XXXX and Home Depot to report Fraud. Balance of {$3200.00} as of XX/XX/. I did not apply for this card, and I did not make these purchases... .this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my chase app credit XXXX  theres a closed account for XXXX XXXX XXXX XXXX for {XXXX} i don't recall making this or even know this existed.I 've never seen this on my chase app till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again the credit bureau 's request that you guys ( citibank ) contact them to fix this issue
Product: Credit reporting or other personal consumer reports

This act not only violates the FCRA but also infringes upon my fundamental right to control the dissemination of my personal information. Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ), it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency. Portfolio Recovery Associates. Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the above collection agency failed to provide me with an explanation of how I can exercise my right to nondisclosure. This collection agency has no contractual agreement with me about any debt that I owe them ; when asked to provide, they can not, and they have violated my rights as a consumer again!
Product: Credit reporting

Was rejected for a mortgage so the mortgage company sent me a letter telling me that, and included Trans Union as a reporting source. Tried to log in at the website the letter advised me was there to provide me a copy of my credit report, and the site advised me that my report was not available due to a data entry problem. That error note gave me a phone number which I called to probe the problem. Over a period of 4 hours ( really! ), I spoke to 14 representatives - from consumer relations, the offline department, the online department, customer service. Each representative asked for my personal information, spent time researching issues, and then referred me to another representative. Each referral was back and forth from one department to the other - and then back again. I never was able to get my credit report online.
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong information to XXXX XXXX. Equifax is reporting I owe {$250.00} to XXXX XXXX. XXXX XXXX  is not reporting this debt to equifax. When I call equifax the Customer service is rude and say they do not see the collection but on my XXXX XXXX app the collection is reporting from Equifax. Please update information with XXXX XXXX asap and remove the {$250.00} XXXX XXXX  collection off my report please
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Checking or savings account

I first requested in writing to close all my accounts on XX/XX/2023 because i moved to a state ( SC ) where Citibank does not have any branches. They closed the checking accounts but not the 2 XXXX XXXX accounts. I was told to submit another request in writing. I mailed it XX/XX/2023 but after that, only 1 of the accounts was closed. Every month since then, the 1 remaining open savings account incurs a {$25.00} service fee so i call customer service and they reverse the fee and they tell me the account will be closed next month. Today, XX/XX/2023, after the same scenario, I asked to escalate my case and I was with a supervisor who tried to connect to Retail Service Operations while I was on hold. After 1 hour 5 min, my call was picked up by a different agent and when i explained that i was placed on hold, she advised that i call back the regular customer service number. At this point, I need assistance in resolving this since the normal channels are unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates from XX/XX/XXXX through toXX/XX/XXXXthat are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of this.
Product: Debt collection

From or around XXXX of 2020 I sent a letter to a collection agency ( Kirscenbaum & Phillips, XXXX XXXX, XXXX, NY XXXX ) rep discovery bank pertaining to an alleged debt of XXXX. My letter stated that I never owed Discovery nor anyone else {$1600.00}. I also requested for them to send me any viable evidence, with my signature and for them to verify the alleged debt. I also informed them that a printout of a bill or itemized document does not constitute verification as per FTC opinion letter from Attorney XXXX XXXX XXXX. 

On XX/XX/2020 I sent a follow up letter to the above collections due to the fact that they never validated the alleged debt which is in volation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ). 

From or around XXXX of 2020 I sent a letter to XXXX XXXX XXXX XXXX requesting for immediate cease and desist from all attempts to collect from this unknown debt. Too date they have totally disrespected all laws etc and still haven't verified nor validated the alleged debt.
Product: Mortgage

4 Months after start of Mortgage Refinance application, still in process and my perception is that the ongoing waiting and no firm closing is unfair lending practice because the requested Refi and the Mortgage Loans to be paying off are with same Mortgage Lender and while waiting for refi closing, the loans that remained un-refinanced is on me paying higher mortgage costs and the Mortgage Lender continue to collect higher interest income. 
Ongoing Refi processing and documents posting to a secure web portal is summarized below. 
Mortgage Refinance Application started on XX/XX/XXXX ; Application Package and disclosures documents posted XX/XX/XXXX ; Conditionally Approved XX/XX/XXXX ; Loan Estimates document accepted XX/XX/XXXX Valuation of Property accepted XX/XX/XXXX Phone conversation with Processor about mentioned escrow/title services will take up to 3 weeks ; Mortgage Interest float lock at 2.75 % on XX/XX/XXXX ; E-mail from Escrow Company received on XX/XX/XXXX ; Escrow Officer E-mail requested confirmation that Title to the property remains under Living Trust per the XX/XX/XXXX. 
Re-locked at 2.5 % interest rate via GSE document on XX/XX/XXXX. XXXX ; As of XX/XX/XXXX Escrow services / title services results not visible to borrower not in web portal ; My request for Refi closing without further delay sent via Secured messaging sent on XX/XX/XXXX ; Complaint sent to my XXXX XXXX on XX/XX/XXXX ; XXXX XXXX that my credit union appreciate patience while my credit union continue to work on loan.
Product: Credit reporting or other personal consumer reports

Some used my information and did charges on my target card for XXXX and numerous inquiries