23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company started calling me, I told them to stop calling me on the phone and send me something in the mail, they kept calling me, but soon stopped. I did receive a letter from this company saying that they were investigating, then it showed on my credit report that I owed this. I NEVER received anything from this company telling me that they were going to do this. I sent a letter, certified mail, on XX/XX/2024. The reply I got from the Post Office was, the company told the Postman to take it back to the Post office and they would pick it up there. I haven't received anything showing they ever picked up the letter. Here is a copy of the letter. 

Capio Partners XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern, According to 18 USC 894, states Whoever knowingly participates, in any way, or conspires to do so, in the use of any extortion and means, to collect or attempt to collect any extension of credit, or to punish any person, for the nonpayment there of, shall be fined under this title or imprisoned, not more than 20 years. 
I need you to send a copy of any contract that I have with you, showing my wet ink signature, promising to pay you. Furthermore, I was denied credit for an XXXX Credit card, due to this egregious, unlawful crime that took place, with this information being on my credit report. You have conspired with the credit reporting agencies, also, I need your license number to collect in the State of Ohio. 
I want this REMOVED from my credit report, within 30 days of the delivery date of this letter! Furthermore, you DO NOT HAVE MY PERMISSION TO SHARE MY INFORMATION WITH ANY OTHER PERSON OR COMPANY. 
If I do not receive a written reply within 30 days, I will access damages, which you will be invoiced for and expected to pay. DO NOT CONTACT ME BY PHONE OR TEXT!!!! Every attempt to contact me by phone will be documented and I will add {$100.00} per attempt to the damages. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I noticed this account was listed as a collection on my credit report as ( Browns collection services ) with a phone number of XXXX I had no idea what it was for so I requested a Validation of debt to them and received a response on XX/XX/2020 with a letter stating this was a copy of a bill from XXXX with a copy of my medical treatment information which stated what medical procedures where done and the cost also a copy of the office policy but never did they send me a Release form to share all this medical information with the collection agency This is a violation of my rights The HIPAA law protects patient privacy and that includes third party debt collectors accessing your information. They also never send me a notice of my right to dispute the debt and on the statement send to me the balance is  {$250.00} but they are reporting a debt of {$420.00}
Product: Checking or savings account

I received an eamil advising me to bring account to a XXXX balance before XXXX on XXXX/XXXX/2923. My husband had received his paycheck around XXXXXXXX XXXX of XXXX which brought our account to a positive {$72.00} ( aprox ) Athe hat time I then transferred the remaininf balance from my checking to my savings. which left me with a XXXX balance.I had logged into my account at XXXXXXXX XXXX on the XXXX of XXXX to make sure it still had said XXXX.Which in fact it was. I decided to check my account at XXXX in the morning because of past history with XXXX. i discovered I was charged a XXXX overdraft fee. I called and discussed my account and was advised that there was nothing they could do. That becaused I had a pending XXXX charge. My account was still in the negative. Now I have been told the " pending '' charges are in space some where til they say processed. They kept changing their stories why I was charged the XXXX overdraft fee. I was told it was because I had this pending charge, then I was told becasue I had a XXXX something in m account. i kept explaining to them according to the onlune bank app it showed I had a XXXX balance. I asked them if I had a negative balance Why would it let me transfer the XXXX and change from my checking to my savings. Iget an answer we'll it is the bankjs discrestion. I adv them NO it will never let transfer from a negative checking to my savings. Then when I was transferred to their legal dept because I adv them I was filing this complaint. He told me my husbands check was processed at XXXX. I asked him if so then why did it not show up in my onlune banking for XXXX hours later. He then asked me did I have screen shots of what I was saying. Now come on I take screen shot of everytime I log on to my online banking. I asked the gentlemen if you expect us to abid by your rules and regulation shouldn't your o=app and your records say the same thing at the same time. No answer. 
My husband and I left and made a stop to get somemoney out of our saving and his card didn't work. Just worked a couple days ago. 
Called the bank and they advised their was some suspious activity on his account. They blocked us from our online account. 
When we asked what suspious activity they adv someone tried signing in using my husbands log info. Now mind you my name is on the account. I have my own log in. Made me go thru all sorts of hoops to get my account back up to including telling me my wife is not allowed to have my log in information and if he did share that with me they will close our account. 
I think they purpsoely did something to our account to " punish '' us for raising a stink about the XXXX. This is the same bank who flagged our account for a XXXX gas purchase, but let a $ XXXX transaction go through for XXXX XXXX the online betting site. Then take a 14 business days to refund our money. They can not keep doing this to people. This exact same situtaion happened befor and I was told '' oops the computer made an error.
Product: Credit reporting

I an complaining about XXXX card which is inaccurately showing XXXX late payments. 
XXXX representatives XXXX had promised to remove the information 2 months ago. Recently another rep called me. After lengthy discussion, XXXX representative said we will remove those late payments if there were charges due to fraud. I told them, that if you see records you will see that XXXX has already given me credit for fraudulent charges and balance was zero and new card was sent. And now XXXX is reneging on the promise to remove those XXXX day late charges. XXXX had my statements returned by USPost for no fault of mine and there were fraud charges so why my credit should be damaged, especially when they admitted on recorded line that my credit was excellent except those reporting. She transferred me to XXXX different departments, no one picked up. 
Is this the customer service a loyal regular paying customer deserves, or is it even legal to damage credit like the way they are doing. I am sending this letter copy to all credit Bureaus so they can remove the late reporting as they are hurting me to obtain decent mortgage interest. 

XXXX XXXX XXXX : XXXX, Equifax , XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX  and Jefferson Capital due to inaccurate information. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a denial letter from a housing company because Equifax is reporting incorrect balance to my account. My credit score recently came back as a {$400.00} because of these problems and I lost money because I was denied based off what they reported. Everything on my credit should has a good standing status but instead its there as if its old. I still make payments on those items and Im not beyond and the amount that they have on file is about {$3000.00} over what I owe them.
Product: Prepaid card

I received an American Express gift card for XXXX from a relative. The balance is {$25.00}. I have tried at multiple in person and online vendors and have been unable to use the card anywhere. It consistently gets declined. This seems to be a consistent issue with these cards, and something needs to be done about it as people are absolutely throwing money away on these non-functional cards.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. 

The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. 

Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. 

I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. 

I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. 

I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. 

Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. 

If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. 

I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

This is my XXXX complaint about Chime. They closed my account on XX/XX/XXXX without my consent and with no warning. Chime " says '' a check for {$1100.00}, the remainder of my balance, was mailed to me on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received that check. I have called Chime many, many, many times. I have emailed them many, many, many times. I've been told that I requested that account to be closed back in XX/XX/XXXX, which I did not. I've been told I requested the account to be closed XX/XX/XXXX, which I did not. I'll they have is tell me that account has a {$0.00} balance offer to me to reactivate that account, which I definitely do not. I just want the money that belongs to me. I have given my information many, many, many times and 55 days later I still do not have my money. Please help!!!
Product: Debt collection

Benuck & Rainey Inc has reported a collection account on my personal credit report. I have no known relationship or prior dealings with this company. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of the alleged debt, including : The amount of the debt The name of the original creditor Verification that the debt is valid and owed by the consumer A copy of any judgment ( if applicable ) Proof of their authorization to collect on behalf of the original creditor To date, none of this information has been provided. Reporting an unverified debt is a violation of federal law. I am requesting that this account be removed from my credit report immediately in accordance with the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea about a collection account that appears on my credit file. I wrote the collection agency a letter demanding proof of what they were collecting and reporting. This was over 60 days ago and they have just ignored the letter and continued to report wrong data to my credit files.
Product: Credit card or prepaid card

I made a purchase of {$160.00} to XXXX XXXX XXXX for a faja using my chime credit card. However after the transaction they informed me they dont accept chime and I would need to dispute the transaction and pay with cash. I told chime about the situation and how I was charged twice and there was already an agreement with the company to refund my money. They even called me to reverse the transaction but couldnt because it was already in dispute with my bank and I gave that information to chime dispute team as well. Yet I was still denied with the only explanation being they found no error i rebutted and asked for the information used in the investigation and I was again denied the following day and still no information about the investigation.
Product: Checking or savings account

I received check from another business for security deposit return. Chase is refusing to release the funds cashed in from issuing bank claiming they can't verify the check and asking issuer of the check to visit the bank in person.
Product: Vehicle loan or lease

I received a loan for {$17000.00} (? ) to buy a  XXXX   XXXX   XXXX . The original price without tax was {$14000.00}. I put {$1500.00} down. Now I 've been paying  Ally Financial s ince   XXXX   XXXX   XXXX   So that ' s  8  months o f payment at {$340.00} a month, which totals up to {$2800.00}. Why is it the I still owe {$16000.00}? I would like for you to contact Ally, and have them explain to your agency where the  XXXX  went to. Also, is  n't 11.50 per c ent interest illegal? Please write or e-mail me back about this.     Thank You,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Experian and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to rectify the inaccuracies in my credit report, XXXX has failed to comply with the FCRA provisions, which protect consumers and ensure fair and accurate credit reporting. 

The specific violations I have encountered with Experian are as follows : Violation of Section 1681e of the FCRA - Accuracy of Information : Experian has failed to maintain accurate information in my credit report. Despite providing clear instructions to update and correct my report, Experian has not addressed the inaccuracies regarding my addresses. Outdated and incorrect addresses still remain on my credit report, causing potential confusion and impacting my ability to receive important financial correspondence. 

These actions by Experian clearly violate the FCRA, which emphasizes the importance of fair and accurate credit reporting and the responsibility of consumer reporting agencies to exercise their duties with fairness, impartiality, and respect for consumer privacy. 

According to the FCRA, as a consumer, I am entitled to remedies for these violations. The potential remedies include : Deletion of Inaccurate and Outdated Personal Information : My primary remedy is the deletion of inaccurate and outdated personal information from my credit report. I request that Experian promptly removes the outdated addresses and ensures that only accurate and current address information is displayed on my credit report. 

Statutory Damages : Under the FCRA, I may be entitled to statutory damages of {$1000.00} per violation. Each instance of Experian failure to rectify the inaccuracies and address my requests represents a potential violation and may be subject to statutory damages. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Experian for its violations of the FCRA. It is crucial to ensure that Experian upholds its obligations and that consumer rights are protected under the law. 

Enclosed with this complaint, please find relevant documentation, including copies of my previous correspondences with Experian and any other supporting evidence. 

I appreciate the Consumer Financial Protection Bureau 's commitment to safeguarding consumer interests and promoting fair financial practices. I trust that you will conduct a comprehensive investigation into this matter and take the necessary steps to address Experian`s violations of the FCRA XXXX thereby ensuring fair treatment and protection of consumer rights. 

Thank you for your attention to this important issue. I look forward to a timely response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per - The Privacy Act of 1974-the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. According to the Fair Credit Reporting Act 15 USC 1681 section 602 & 15 usc 1681 subsection ( B ) - Permissible purposes of consumer reports- ( 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. ( the Company has not had My Written consent to report any impact on my consumer report file ) They Do " NOT '' have my Written Permission to report. I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, nun-verbal per 15usc 6802. And it is Effective Immediately, and Effectively.

[ 5 U.S.C. 552a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting duplicate entries of the same account on my credit report for the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : 1 ) XX/XX/XXXX inquiry XX/XX/2024 2 ) XXXX XXXX XX/XX/2024 3 ) XX/XX/XXXX Inquiry XX/XX//2024XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX )XX/XX/XXXX XX/XX/XXXX Inquiry XX/XX//2024 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XX/XX/XXXX- INQUIRY XX/XX//2024XX/XX/XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXX/XX/XXXX- INQUIRY XX/XX//2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX EXPERIAN :XX/XX/XXXX INQUIRY XXXX/XXXX/2024XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX INQUIRY XX/XX/2024 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/2024XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX NA INQUIRY XXXX/XXXX/2024XX/XX/XXXXXXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXXX/XX/XXXX INQUIRY INQUIRY XXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX