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

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Links https : //www.ftc.govhttps : //www.ecfr.gov/cgi-bin/text-idx Files File XXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Debt collection

My Name is XXXX XXXX I work for XXXX at XXXX in XXXX CT, On XXXX XXXX, my paycheck show a garnishment deduction I called ADP on XXXX XXXX to find more information about it I was told that it was a court order when I know for sure that is not one going on, I didn't get any warning about this, I couldn't get any help over the phone so I send an e-mail to the wage garnishment department I got an email back saying that someone will contact me but no one did, in the main time I got another deduction on XX/XX/XXXX, I send a second email on XX/XX/XXXX with all the information about this debt that was resolved and close on a XXXX  XXXX bankrupcy in XX/XX/XXXX, I got an email back saying that they were working on my request and should expect to hear back within one business day, but no one has contact me. On my XX/XX/XXXX paycheck another garnishment deduction was taken what makes total of 5 consecutive deductions. I'm attaching all bankrupcy information as well the emails that i send to ADP ( XXXX 's payroll company ) I'm attaching a letter that I send on XXXX when this collection company try to collect the same debt and was dismiss just with that letter until now. 
I'm also attaching my last paycheck showing the total amount of garnishment
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter dated XXXX XXXX 2017 from Capital One stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite Capital One 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite Capital One 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the Capital One department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : Source Receivables Mng, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Attached is my Notice to Arbitration with Experian per their Arbitration terms and agreements, delivered via Certified Mail on XX/XX/year> and received and signed by an Experian Agent on XX/XX/year> ; See attached copies of the above-stated Arbitration Notice Letter . I submitted this Arbitration notice via Certified Mail due to Experian 's Sham investigations/reinvestigations regarding all my prior complaints filed here on the CFPB Portal. Experian has unlawfully failed to properly investigate my consumer disputes, Experian also has failed to notify me as a consumer regarding my consumer disputes resulting in the inclusion of incorrect information on my credit report which has threatened my and my children 's livelihood by hindering my ability to access credit, employment, and housing opportunities. This is defined as defamation of character under Common Law and Experian is liable for Civil liability up to {$1000.00} per violation along with wilful negligence. Experian has yet to respond to my Arbitration Notice Letter per the terms and conditions.
Product: Credit reporting or other personal consumer reports

The following company, XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I do not have any financial obligations with this company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company are considered fraud as no authorization has been provided to this company to furnish any information into my credit profile... 

Experian Credit agency has not completed an investigation into this matter to validate any claimed relationship that I have with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax to have them unfreeze my credit. I had done this two months ago without problem and thought it would be a quick call. On the first call I had gotten through verifying my identity and was about to have a confirmation code with the cs rep let me know there was an internal server error. She told me to call back in 24-48 hours and they would be able to complete my request. I called back XX/XX/XXXX and was told I needed to go through the same process. At the end of the call I was told the same internal service error was continuing. I asked to speak to a supervisor and was argued with by representative, finally put on hold and 20 minutes later hung up on. This has repeated on a daily basis as I am trying to move and can not do anything with frozen credit. This has been far and away the worst customer service I've experienced from a national brand - let alone one handling my credit. I would like to have this problem resolved or at the very least be communicated with as to why it is happening.
Product: Debt collection

On XX/XX/2020, I received a call from Bank of America for a credit claim in my name. I did not request this credit claim and did not authorize anyone to do so on my behalf. The amount in credit owed is {$2300.00}. I am an existing customer of Bank of America. I have already notified Bank of America of the claim being unauthorized. They locked my account under suspicion of fraud. I was a victim of identity theft and those funds offered through the claim were sent to people I do not know through bank transfers and XXXX. The amount taken out of the account was approximately {$2800.00}. This included over {$450.00} that was already in my Bank of America account. I called through multiple directories of Bank of America about my situation, opening my account or clearing this claim. They have closed my account and revoked the claim but still require me to pay the debt of the amount the claim is in.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : 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 and so on.
Product: Credit card or prepaid card

I applied for an XXXX XXXX card, online, to buy a ticket. I was approved on XX/XX/ online, and received email confirmation, and then went to purchase a ticket online. There were problems with the server and I had to reach out by phone to, XXXX XXXX and XXXX XXXX complete the purchase. I was told I had a credit under my name. The credit was from a ticket purchased by another individual under my name. I was scheduled to use my ticket onXX/XX/XXXX. I had to cancel the flight on the XX/XX/XXXX. I was told I had until the twenty seventh of that month and this year to use my cancelled ticket or loose all benefits of that purchase because it was a 're-ticket from someone else purchase, under my name. I was shocked and said that I had all paperwork on my purchased non-refundable ticket and there was no langue or disclosures or ticket numbers to assert the claim they, XXXX XXXX, were making. I called my credit card company and opened a dispute for fraud and misleading information on or about XX/XX/. This was after several attempts to contact Citi Bank about the incident with XXXX XXXX with no response from them. They requested information with I sent showing and validating my verbal account of what transpired, issued a provisional credit only to Send out notification on XX/XX/2018 stating that the provisional credit was taken back because the " merchant did not accept my cancellation ' and I would have to call the merchant. Called XXXX XXXX XX/XX/2018 and they have cancelled the ticket and refused to send me copies and told me I could email their customer relations. Fraud, fraud, fraud. Please if you need more information I will provide it. Both of these companies have acted fraudulently and together but acted as separate.
Product: Mortgage

After receiving the response from 5th 3rd bank stating that they needed more information to accommodate my XXXX. I contacted the bank the best way I could for equal access. I first spoke to XXXX, who indicated that since I had made a CFPB complaint she could not help me and that only persons who were not at work could help. She refused to serve me. She did transfer the call to XXXX, I asked XXXX what info they needed. She said they needed to know the type accommodation I was seeking. I told her " effective communication '' she said that I needed to be more specific, I tried to explain the difficulty I have with access but she refused to accommodate my XXXX and refused any process to figure it out. Instead she shifted the burden to me and told me I had to be more specific. I told her we could start at CFR 35.160. She refused to look it up. And refused to further the process to accommodate my XXXX. 5th 3rd bank also lied to the CFPB regarding the insurance requirements. They are now charging me {$2300.00} per year for insurance. They said they they are taking the insurance payments out of my escrow acct. In the end they hung up on me after telling me they would hang up on me. They refused to serve me at the time I needed and are still charging me for insurace on a home that burned down. I also no longer have access to my escrow for the home rebuilding. They have removed my access saying I can only speak to " XXXX '' yet my acct is at 5th 3rd. When I call the president office they do not verify who they are speaking to and make assumptions based on caller ID. Since caller ID can be spoofed, this compromises my security as it could be anyone
Product: Money transfer, virtual currency, or money service

I used the XXXX  system to make a payment of {$61000.00} on XXXX XX/XX/XXXX from my personal account in the XXXX to a US company for medical treatment. The US company is a customer of CapitalOne NA. 

Unfortunately, the account I sent the money to have been closed previously which I believe should have meant that the money bounced back to my account automatically as there was no account for it to be delivered to. CapitalOne have told me they do not recycle account numbers. However, this did not happen. 

CapitalOne asked for a hold harmless letter before the money could be returned and when my bank did not provide this, they ignored all other contact from my bank. 
I raised a complaint with the CFPB and on XXXX XXXX, XXXX Capital One replied to say that my bank should contact them at an email address provided. A phone number for a member of staff was also provided. 

I was very pleased and thought we would be able to get a resolution, so I sent this information to my bank and they contacted CapitalOne at the email address provided to query the exact requirements of a hold harmless letter so that they could send the required information. Emails were sent by my bank on XXXX XXXX XXXX, XXXX  XX/XX/XXXX and XXXX XX/XX/XXXX. My bank also phoned the number provided and left two messages on XXXX XX/XX/XXXX. 

I also contacted CapitalOne by email using the address provided on XXXX XX/XX/XXXX and by phone on XXXX and XXXX XX/XX/XXXX using the number provided, leaving messages on each occasion. 

CapitalOne however ignored these eight attempts to contact them and continues to hold onto my money. 

To summarize, CapitalOne NA did not follow the original XXXX instructions ( the money has never been delivered to the account specified ) and other than responding by letter on XXXX XX/XX/XXXX regarding my first CFPB complaint, has ignored mine and my banks attempts to resolve this and as a result have kept my money for medical treatment since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian promoted a feature called Experian Boost, which is supposed to help increase your score. But when I tried it, I lost 9 points. Experian stated its because self-reporting of accounts increased my risk to lenders. This consequence was not previously indicated by Experian. Experian recommended I remove the boost to restore my score ; but upon removal, my score did not recover the 9 points.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX XXXX XXXX XXXX # XXXX You have validated inaccurate information and this account is hereby disputed.

The information on this account being furnish

ed on my consumer report in fact inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general after any reinvestigation under paragraph ( 1 ) of any info
rmation 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 shall ( i ) 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.

List of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Credit reporting, credit repair services, or other personal consumer reports

I notified the bureau the XXXX account was reporting incorrect. A payment of maybe {$25.00} was due. I paid hundreds to pay the account in full and closed it. I was leaving for a few months and I Did n't want any issues with my credit. I paid the amount XXXX 's stated in their department store and closed the account. 30 days later it reported late as XXXX failed to include any odd days of interest. The bureau is reporting the account is paid, was past 30 days past due. I have NEVER been late on any accounts. I always keep low usage and I pay more than the amount requested. The bureau posted my consumer statement on my report but they are factoring the late payment when scoring my credit. They are reporting 7 months since last late. This is not correct. XXXX 's is reporting paid and closed by consumer but the XXXX time late remains and is affecting my scores which is affecting rates etc. I am requesting either delete the late payment or the payment history and rescore my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX*This is not a duplicate complaint*********** On XXXX I sent a certified letter to XXXX, enclosed was a Notarized Affidavit of Truth and my request for Method of Verification of debt. XXXX responded with a copy of XXXX XXXX XXXX. They never rebutted my affidavit, nor did they provide me with the XXXX of XXXX. In my affidavit I stated that Im a natural person and the original creditor. See attached Theyve never rebutted my affidavit of truth that stated Im the original creditor nor responded to my request of XXXX of XXXX. Theyve only responded with a copy of the promissory Note. They did not provide the XXXX contents of Validation of debt per 15 U.S. Code 1692g ( a ), specifically the name and address of the ORIGINAL CREDITOR, if different from the current creditor. Notice, it is a fact, an UNREBUTTED AFFIDAVIT STANDS AS TRUTH - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notice, it is a fact, I, the affiant, is the consumer and original creditor, this alleged debt is not Valid. Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S. Code 1692a ( XXXX ) Notice, it is a fact, pursuant to 15 U.S. Code 1692a ( XXXX ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( XXXX ), a debt is any obligation or alleged obligation. Notice, it is a fact, nothing within the subsection of 15 U.S. Code 1692g ( a ), validates a debt. This section of the FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information in the affidavit herein is provided to the affiant.
Product: Consumer Loan

In XXXX XXXX, I financed a vehicle with Ally Financial and later refinanced the same vehicle with another lender.The lender contacted Ally and XXXX parties agreed to the terms of the refinance agreement. On or near XXXX XXXX, XXXX Ally Financial reported my car loan as 30 days delinquent. It should also be noted that I am included in the class action lawsuit brought by the XXXX regarding Ally 's illegal lending practices initiated against minority borrowers.