23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter from debt collection company name ARS National Services Inc. We do not know where this amount coming from.
Product: Credit reporting or other personal consumer reports

Performed credit check for business account rrom Lowes without providing social security and my personal credit was dinged.
Product: Credit card or prepaid card

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX First ( Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a breach to come to light as of XXXX/XXXX/2017. There is also evidence that they have already known about this for months, in addition to several high level managers selling stock just before the official announcement. Their actions this point seem to have only been to help themselves and leave the public in the lurch. Their resolution has people sign up for a " free '' service that binds people to an arbitration clause, and most likely starts charging them for the service after their free year is concluded.
Product: Mortgage

On XX/XX/2023 I was informed that my mortgage was being sold to Chase and that Chase would continue my automatic ( bi-weekly ) payments ; nothing was needed. Then I got an email saying it didn't go through for some reason. I resumed automatic payments. In XXXX I started receiving calls from Chase but no voice mail was left. In addition, Chase 's phone number is flagged as spam by my carrier for some reason. Chase called several times from a strange number and never left a voice mail indicating anything was wrong. I called them and they told me I was somehow behind on my payments and that I needed to make an extra payment because I am supposed to pay ahead of time when on a biweekly payment amount, even though nothing changed. Somehow I was able to come up with an extra grand and the waived the " late fee ''. Now in XXXX I am getting calls again from the same " scam likely '' call, no voice mail whatsoever. I reach out and they explain that somehow, I am behind on a payment because they didn't apply the payment right ; they applied the extra payment they told me to send them to the wrong bucket and somehow it's again my fault, requiring me to call and wait for them to fix their issue. 
At this point is is starting to sound like this is a pattern with Chase. This sounds like something XXXX XXXX would do to keep people in vicious cycle of never ending late fees. Despite them waiving this extra late fee I am seriously concerned why I need to reach out to the bank to help them correct the issue and why they call, refuse to leave ANY voice mail and make me track them down. Again, this seems like a pattern of deceptive business practices and I am hopeful CFPB can rein in this awful bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXEach I pay for my closed account, capital one report negative remark to credit bureas I never made the payment. 
XXXX.Each month I receive more than XXXX different minimum payment from capital one from the bank App, written letter the send to my address and credit reports. 
XXXX, on the XXXX credit bureas capital do not state exact minimum payment and actual payment I made. 
XXXX, capital one filled XXXX degoritory remarks on my credit file with only XXXX and XXXX because XXXX had disputed and resolved after the gave inaccurate reports to XXXX I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from bureas is less than {$70.00}. 
XXXXcapital one received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, capital one refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit burea as ended at {$2000.00} and on capital one bank {$2000.00}. 
XXXX, XX/XX/XXXX capital one add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest rose from XXXX  % to XXXX % and capital one increases it every XXXXmonths. 
9.i got capital one mail at my mail box with minimum payment of {$120.00} for month of may and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. Capital on XXXX occasions turned credit education thrice services because I engaged them for transparency. 
XXXX. Capital one did not report my first till XXXX payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.
Product: Debt collection

ALLY FINANCIAL has repeatedly ignored and did not verify or validate debt and continues to engage in collection activities on XX/XX/2020, a repossession company moonlight repossession contacted a unknown third party giving out my information and giving third party repossession information. 

On XX/XX/2020, sent my first letter dispute letter utilizing my UCC abilities in requesting additional information on the account and to this day I have not received no information regarding the documents requested as they state these documents are not legally binding to them attached. 

On XX/XX/2020, ALLY FINANCIAL received second UCC  dispute letter utilizing my ability and requesting documents as well as verifying information. Attached On XX/XX/2020, I sent another letter requesting payment information and the original instrument of indebtedness and to date no verification or document received. 
Attached. 

On XX/XX/2020 moonlight repossession hired by ALLY FINANCIAL spoke to a unknown third party regarding me and did not observe the reason they were present and entered the residential address property with no purpose and no contract between me and them. Attempting to collect on a debt for ALLY FINANCIAL. 

On XX/XX/2020 sent out cease and desist until purported debt is verified and validated attached. Again utilizing my UCC abilities. 

Ally financial is violating federal codes and ucc code being a financial institution Not marking the account as dispute however advised me Im committing fraud restricted my account and abilities and sending other agencies to harass me. 

Defamation of character Mail fraud Violation of the fair debt collection practices act Violation of fair credit reporting act All letters sent from me through certified USPS mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was illegally garnished by XXXX, XXXX XXXX XXXX, XXXX on behalf of midland credit collections. I live in Hawai'i and they do not have jurisdiction to collect from Oregon. I was not properly served or notified about impending summons or garnishment. They admitted to have my email, my phone number, employer, my address is correct with the state of Hawai'i and yet they stated they attempted to serve summons at old addresses. Those addresses have forwarding in place in my current home address in Hawai'i. After I was told on a recorded line they knew they couldn't collect due to my state of residence they didn't offer to stop garnishment until I stated I spoke with an attorney. They told me I could make an offer to settle, I said no. I have asked for a verification of debt. They then said they would send back all the funds and return the account to Midland.I have received the payments.
Product: Checking or savings account

I am writing to file a formal complaint against Capital One for failing to deposit my direct deposit from my employer, as well as other incoming deposits, into my account in a timely manner. Despite my repeated attempts to resolve this issue with the bank, I have been informed that the problem is due to " technical issues '' on their end. This failure to deposit funds is causing significant inconvenience and potential harm to me, as I rely on these deposits to meet my financial obligations.

Under the Electronic Funds Transfer Act ( EFTA ), financial institutions are required to provide timely access to deposited funds. Capital One 's inability to process my direct deposits promptly may constitute a violation of this law, as it is hindering my access to my own funds.

Given the seriousness of this matter, I am requesting that the CFPB investigate this issue to ensure that my rights are protected under consumer protection laws, specifically the EFTA. I am concerned that this situation could be part of a larger pattern of systemic issues within Capital Ones operations.

I would greatly appreciate your assistance in addressing this matter and ensuring that Capital One is held accountable for any potential violations of consumer rights. 

Thank you for your attention to this complaint.
Product: Debt collection

I sent a letter to Ability Recovery in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.
Product: Checking or savings account

They closed my account said there was fraudulent actions on my account which it wasn't and they closed it I don't remember the exact dates but I know it was Wells Fargo 's bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am impacted by the coronavirus because I XXXX  for XXXX and XXXX I have underline health issues and ca n't XXXX   till this is over with, so I called XXXX XXXX and XXXX XXXX to let them know both companies said that they would not report as being late on my credit report and XXXX XXXX I got an extension for two months. When I dispute the late payments with the credit bureaus it only takes them three days they come back and say that it's been updated but it's still showing late. This is coming from the Credit Bureaus. And this is XXXX Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

Vance and Huffman. LLC Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.
Product: Credit card or prepaid card

I called Chase sapphire ultimate travel rewards to book travel for two on a XXXX XXXX flight. I was supposed to receive a 50 % bonus from using my points through Chase but instead they attempted to use more points than it would have cost me to book the flight myself through XXXX. 

Chase said I would need to use XXXX points but the two flights combined were only XXXX ( XXXX x 2 ). 

Chase Sapphire advertises a 50 % bonus when using points but for me to use their system I would have received a negative reward. 

I can transfer my existing points from my Chase Sapphire card to my southwest rapid rewards account 1 to 1. How can a company charge you more when they say you are supposed to get a reward/benefit? 

I feel completely tricked. This card has a high annual fee, almost {$500.00}, so the benefits are the main motivating factor in getting this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DOB : XX/XX/XXXX SSN : *** ** XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX  Acct : XXXX Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 {$800.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Also , this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXXXXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy : XXXX XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

I am a consumer by law. My credit report continues to report these inaccurate items that you continue to report. By law you are not mandated to report inaccurate information you can not verify with evidence. This is harming my ability to get competitive auto insurance rates.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that there are inquiries that I don't remember I have allowed to be reported on my file - and it is so stressful to see because I do not in any way have permitted for these.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain fraudulent accounts from my credit report. I am a victim of a recent data breach, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$7200.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account1 Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$760.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$760.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$500.00} Highest balance {$0.00} Terms 8 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to being denied credit I was made aware of a collection account on my credit report. I contacted XXXX to dispute this and many other inaccuracies on my credit file starting in XXXX of 2024. In every way I can possibly explain this account is inaccurate I have disputed it and continue to be told the company is verifying as accurate. I have never had an account with kinum financial. I am not aware of this debt. I did not agree to their debt or debt collection methods. I do not agree to have this reported on my credit file. This item has been disputed with the company directly with the credit reporting agency and still no relief. I would like this complaint to include both kinum financial and XXXX credit bureau. Both are at fault.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX currently known as XXXX XXXX XXXX XXXX for conducting multiple unauthorized hard credit inquiries on my credit report, which has negatively affected my XXXX XXXX. 

On XX/XX/2023, I called XXXX XXXX XXXX XXXX to explore the possibility of purchasing a vehicle. During my call, I explicitly stated that I wanted to go through XXXX bank and would prefer not to have any credit checks performed until a decision was made. Despite this, the dealership proceeded without my explicit consent to run multiple hard credit inquiries, which I only discovered after receiving alerts from my credit monitoring service. 

These inquiries were made without my authorization and are in direct violation of the Fair Credit Reporting Act, which mandates obtaining consumer consent prior to conducting such checks. This action by the dealership has not only led to a reduction in my credit score but also could potentially impact my ability to obtain favorable credit terms in the future. 

I have already contacted XXXX XXXX XXXX XXXX regarding this issue, but the response was unsatisfactory and did not resolve the situation. Therefore, I am seeking the assistance of the CFPB to help address and rectify this matter. 
I respectfully request that the CFPB investigate this matter and ensure that the unauthorized inquiries are removed from my credit report. Additionally, I seek assurance that such violations of consumer rights are addressed promptly to prevent similar incidents in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.