23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

During XXXX and XXXX, I had XXXX send auto debits for monthly payments direct to Capital One, to assure timelines of pmt. In XX/XX/XXXX, Capital One sold my " debt '' to a collections agency ( XXXX ), who said that no payments had ever been ade, despite my proof on checking account statements showing monthly deductions sent to Cap One. I hired an attorney, who spoke with Capital one and XXXX, and to make this issue go away and not effect my credit adversely any longer, agreed to pay the {$350.00} balance in full, again. My atony wrote a letter to XXXX and Cap One, with all parties agreeing to my paying the balance in full, Cap One not reporting this account as a charge off, and that NO late payments would ever be reported on my credit report stating such, as Cap One had been paid on time monthly. This was to insure that everything was fully satisfied for all parties involved, and XXXX said they 'd send a release/receipt back to attny within 24 hours. On XX/XX/XXXX, Cap One added a note to my credit report stating that I was late the entire year of XXXX, filling each grid on my credit report with either a 30, 60, or 90 day late notation. ( this math is actually impossible if you look at it ). They also notated a charge off, a collections transfer, and that the account was closed by credit grantor, making it look as if I had n't paid per the legal agreement set up to report the account as closed, never late and paid in full. This goes directly against the fair debt reporting act, and is why consumers can NEVER see to get ahead of anything. This account was opened in XXXX, and paid in full and closed in XXXX. It 's ironic that the late payment notations and charge off/collection notes have just appeared on my XXXX report, as it 's almost to the 7 year statute of limitations for reporting debt in VA. 5 years after fully satisfying the credit card debt, multiple times actually- as Capital One would never admit to receiving the auto payments from my checking account, although XXXX shows they left my checking account monthly, went to Capital one properly notated with my act info, and never came back, I paid them consistently, on time, AND paid a full balance AGAIN to a collector that Capital One sold my debt to, despite the fact they were being paid on time.
Product: Mortgage

I have been consistently given false and misleading information/instructions from Seterus regarding my attempt at a loan modification over the past several months which has resulted in a potential foreclosure of my home, escalating late fees and severe emotional distress. I have literally spent the equivalent of DAYS on the phone with countless Seterus representatives. I need to waste time explaining the facts to them over and over while also being asked to submit the same documentation over and over again. Most recently, I followed the exact advice received from a Seterus representative on submitting my divorce decree as part of my modification packet. Following 8 months of review and further mistakes in handling of the documents by Seterus, I was informed by one of their supervisors that I should not have listened to their representatives 8 months previousand that the same documentation was required that I was told would not be required. Their pattern of blatant misrepresentation has caused me to lose sleep on most nights as I worry about whether I can stay in my home. I made all necessary trial payments for the modification and only waited to sign/execute the final papers last week when I learned of the newest swerve from Seterus. There is a foreclosure sale date of XXXX XXXX, 2016 and I am seeking immediate resolution in the form of the modification agreement that was originally agreed to. I have never formally complained about a company before in my entire life but I feel compelled to say that Seterus has by far the worst customer service I have ever experienced. They are either just inept or fraudulently malicious and I am shocked that regulators continue to allow them to be in business given the sheer number of others who obviously have had similar experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX XXXX at one time ( from mid 700s to 500s ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
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: Money transfer, virtual currency, or money service

Upon looking into my account and noticing there was still an astronomical balance due, despite having sent multiple money orders for months prior, I requested for a money order refund online. After further investigation of receiving a photocopy of the money order, the payee that appeared on the money order was not that the money order was made payable to. I filled out, had notarized, signed and sent in a forgery affidavit, the original recipients and original money order recipients ( back completely filled out ) to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, Mail Stop : XXXX XXXX, CO XXXX I have called and spoken to three live representatives-all representatives really could tell me nothing other than a money order refund was in process ( it has been processing since XX/XX/2024 ), I have sent emails ( received a generated automated response reply ), sent multiple letters by mail to request a status update on this matter in hopes to recover what has been forged/stolen.The original money order numbers were : XXXXXXXX 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  This is quit a bit of money for me, and it all still needs to be paid to its original purpose.
Product: Debt collection

XXXX still reports this XXXX  t after more than 7 years and already paid.
Product: Debt collection

I sent this company a debt validation letter requesting it provide documents to validate that I owe this debt. This company never responded so I sent a notice of intent to file a lawsuit in which this company still didnt respond.
Product: Checking or savings account

So I got scammed by a company that hired me. They deposited a check into my account that was fraudulent and the fraud department terminated my account even though I was not the one that deposited it. It was deposited on XX/XX/2022 and I do not know the amount because I was unable to see it due to them already locking my account from me. It was seen as a high risk and I could no longer bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRY FROM THIS COMPANY ON MY CREDIT REPORT, THAT WAS NOT AUTHORIZED! 

THD/CBNA Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only
Product: Checking or savings account

I have an account with Bank of america, as of XX/XX/23 I deposited a settlement check from my lawyer, then as of this morning XX/XX/23 bank of america closed.my account ( without reason per them ) and is holding all of my funds. Even the funds not related to the check. They did verify check is valid. They refuse to release funds.
Product: Debt collection

Fair Collections and Outsourcing sent me a collection letter to let me know an apartment complex I lived in before had placed on my name. When I reached out to FCO to find out they had no idea what this collection was for. I had paid a deposit to " Suredeposit '' when I first moved into this building and if anything happened at the end, I was supposed to pay that company any difference. There was no damage to the apartment as I had the carpet washed and all wall repainted. This collection was supposedly to replace the carpet. When I talked to FCO 's agent, XXXX XXXX, she said that she was not sure why that collection was sent to them before me being told about the debt. It's only a {$450.00} but the amount is not the problem, the problem is that when I applied for a place XXXX months ago, I was DENIED because of this collections since it's a " apartment rental '' related collection. Though this was for a carpet, when people look at it, they only see where it comes from and it could be a number of things such as unpaid rent, or utilities, which is not a good look for other apartment rental companies. 
Now to make things worse, last month around XXXX XXXX, they reported another collection on my credit reports on all XXXX bureaus. This new collection was a new account but this time the creditor is the apartment complex, for the same amount, {$450.00}. when I spoke to this XXXX XXXX, she also mentioned that this account was owed to them and also to the building. So now, they're trying to double dip XXXX collections for XXXX with different collection account, from XXXX different places. XXXX also mentioned that this seemed to be wrongfully reported and that she would check and would get back in touch with me within a couple days. I have never received any more letters from FCO since this call. Only action taken from them was reporting that second account to the credit bureaus. This move was extremely shady. I disputed these account with all XXXX bureaus and they deleted XXXX, but the other one still remains. 

This malicious reporting and Fair Collections and Outsourcing seems to be trying to only damage people livelihoods as I can not get a place to live because this collection is on my reports.
Product: Student loan

I have attended XXXX on 2 separate occasions and both times were unable to get further after obtaining my lisences. I now owe {$70000.00} of debt and XXXX has interviewed me twice and not once did I hear back from them. I have been out of school with my XXXX XXXX for 3 years and still dont work in the field that I love. I have applied multiple times and havent heard anything back from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX FI XX/XX/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: Checking or savings account

I was not active in these accounts as I was dealing with an ailing mother, my Mother did in fact pass in XX/XX/2018, I was not made aware af any issue by the following institutions and with this information removed at once XXXX XXXX Chexsystems XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX I want ALL Information from the presidents of these bank, to supervisors etc, I am given this right under the FCRA. 

I want thes names to answer interogotories
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph (
3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond.
Product: Credit reporting or other personal consumer reports

I discovered in XXXX my identity was stolen. I have XXXX  fighting this for XXXX years. I was able to get XXXX reports. They are reporting fraudulent accounts that are XXXX XXXX XXXX and two fraudulent accounts that are XXXX XXXX XXXX. Status of limitations is 7 years. But it gets worse I have a freeze and fraud alert and my reports locked. When opening up to look at my report the lock was open. Now that explains how a credit card was open this year. 
But they claim to verify everything.They verify nothing. There is on account that is states negative but there is no money, it says no status. Why is that not been removed. It also states upon putting a freeze alert theme credit reporting agencies are to inform me that a hard copy is not or going to be done. 
Well I just discovered again they dont follow the law. They allow 4 or 5 hard copies to be not without my permission.when i discovered my identity was stolen I went on to XXXX a brought everything ( hard copy ) books to learn how to fix my identity. I feel like Inhave been XXXX over and over just with out the physical act of. They broke my civil rights, and destroyed my Character XXXX? years.But, they stand behind their lies and state its been verified. 
I am mentally tired how do I get the last 10 fraudulent accounts and hard inquiries removed permanently. I only want my positive account in my reports. 
The best is transunion They yelled at me and said they have everything verified on me. We they were living. I started working at the high school in my town on XX/XX/XXXX. They are reporting I started XX/XX/XXXX. That would make me XXXX years older than my mothers. But they swear it verified. They have the incorrect information on when I retire and the rest is the same accounts they are keeping on my reports for 30 years and 11 years. I wan to make then accountable for what they have done to my mental state and physical health. I want to sue them for XXXX XXXX dollars. Please you dont understand I always follow through. Thats how come I was able to catch them lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX Account : No Number, Date XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : No Number, Date XX/XX/2012 XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter requesting the method of verification, and materials supporting 6 disputed items on my credit report asserting my rights under FCRA 611 ( a ) ( 7 ). I had mad several online and in writing disputes where Experian just keeps sending back Verified., I asked for a response or deletion within 15 business days as is the law. The letters were received on XX/XX/2019 with tracking number XXXX. I received and email XX/XX/2019 Saying my disputes were complete where they just marked all items as updated with no documentation. I demand these items be removed as per my letter as it has cause me irreparable harm and cause a significantly high interest rate when purchasing a vehicle and denial of an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX hrs, I shopped at the XXXX, Tx XXXX XXXX and purchased over {$67.00} worth of items. At the checkout, the cashier informed me that I can get an extra 15 % off if I apply for an in store credit card. I inquired about credit check. She stated that its an in store credit card and only a soft credit check is pulled. I told her that I didn't want it to effect my credit score. She replied back that it will not. 

On XX/XX/2020, received a letter from Comenity Capital Bank about a credit card that I applied for. I called Comenity Capital Bank on XX/XX/2020. I told the Bank Rep that I did not apply for a Comenity credit card. She is informed me that XXXX XXXX is one of their customer. I asked about my credit report and she informed me that there was a hard credit report pulled in my name. I informed her that I didn't apply for Comenity Capital Bank credit card. 

Bottomline, 1. XXXX XXXX mis-represented the product and did not properly inform me of my right as a customer. Employees need to be educated on the different between hard vs soft credit check. At the end, there was a hard credit check on me. That was not what I was informed by the store cashier. 
2. Comenity conducted the hard credit pull without my permission and its customer to mis-represent their product ( credit card ). At the end, my credit score has changed because of their violations. 

3. The hard credit check violated my right for the following reasons stated above and laws in the attached complaint. 
- FTC Violation - Truth and lending violation - Fair Lending violation - FCRA violation
Product: Prepaid card

A balance of {$1200.00} was paid to my new apartment with my Social Security Direct Deposit through Ace/Netspend ( Bancorp ) on XXXX. {$69.00} was paid later on XXXX ( same prepaid account, NetSpend ). 

My 1st month here was XXXX My rent is not due till XXXX XXXX due to a Special for us XXXX  I paid my new lease early on XXXX XXXX ' XXXX, when I received my Direct Deposit on XX/XX/XXXX for XXXX XXXX. Rodents were heard everywhere, All threw the walls, couldn't sleep. Finally took a nap and woke to dispute the balance paid of {$1200.00} + {$69.00} ( plus processing fees ). 

Received a copy of the Dispute and a statement : Claim : XXXX stating ; Provisional credit NOT issued due to the nature of the cardholdholders dispute with the merchant. It is NOT a billing error. Claim not covered by Regulation E. Next status update XXXX I canceled the Dispute. I have yet to receive anything. Today is XXXX ( There is a balance I disputed before. They put it in my account then took it back out in about XXXX seconds
Product: Debt collection

Company never sent letter This company is also unable to collect debts in California due to not having a California license. I have left a link from the XXXX website.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.