23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One has notified the consumer XXXX XXXX 12 CFR 1006.2 ( e ) on XX/XX/2022, at XXXX XXXX  with a message through email about the consumer account card ending in XXXX. Capital One stated this is an attempt to collect a ( consumer ) debt ( claim ). Any information obtained will be used for that purpose. Authority 12 CFR 1006.1 ( a ) explains the authority, and 12 CFR 1006.1 ( b ) the purpose of the FDCPA and how the act protects consumers and explains unfair practices organizations use to deceive consumers. 12 CFR 1006.6 ( b ) ( 1 ) speaks about how Capital One can not communicate with the consumer about any debt. 12 CFR 1006 ( b ) ( 1 ) ( i ) Capital One contacted the consumer at XXXX XXXX. which is a direct violation of the FDCPA. Capital One has abused, harass, and oppress the consumer 12 CFR 1006.14 ( a ) by sending threatening emails attempting to collect a debt. Capital One has closed the consumer account which is false and misleading information 12 CFR 1006.18 ( b ) ( 1 ) ( V ) ( A ) which is a direct violation of the FDCPA. Capital One has sent the consumer a balance of {$5100.00} with a minimum of {$700.00} which is false and deceptive 12 CFR 1006.18 ( b ) ( 2 ) according to the FDCPA. Capital One has put a restriction on the consumer account for nonpayment according to 12 CFR 1006.18 ( b ) ( 3 ). Capital One cited 15 U.S.C 1692 a ( 6 ) ( B ) and ( F ) and stated they were not a debt collector committing fraud according to 12 CFR 1006.30 ( e ).
Product: Mortgage

This is not directed specifically at Residential Credit Solutions ( RCS ), XXXX XXXX, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules. 

My loan has been transferred to XXXX. RCS sent a letter dated XX/XX/XXXX. The letter arrived at my residence on XX/XX/XXXX. The transfer to XXXX was effective on XX/XX/XXXX. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer. 

In the response that I received from RCS, they claimed that the letter was mailed on XX/XX/XXXX and that they are not accountable for transit time via the U.S. Postal Service. 

Unfortunately, RCS sends their letters presorted, so there is no/no postmark that is recognizable to me. It is incredulous to think that a letter required XXXX calendar days to reach my home. By way of example, I received a letter from RCS on XX/XX/XXXX that was dated XX/XX/XXXX. That took only six ( 6 ) calendar days. 

The spirit behind RESPA is to ensure fair and reasonable treatment by mortgage servicing companies. Receipt of notification that my mortgage would transfer to another company XXXX calendar days before the transfer is unsatisfactory. 

As a consumer, a minimum notification of 30 calendar days in advance ( letter in hand ), seems reasonable and fair. If this requires a mortgage servicing company to send the letter 45 days in advance ( 15 days transit time ), then that should be the rule. 

By the way, this is the XXXX mortgage servicing company that I have had since the mortgage was originated in XX/XX/XXXX/XX/XX/XXXX. Hard to believe that In 3.5 years, I 've had XXXX different companies. It took months to resolve issues with RCS and I suspect the same with XXXX.
Product: Bank account or service

PNC Bank has been charging our family overdraft fees of {$36.00} for paying the item and XXXX days later the items paid are returned to the merchant an a reverse item fee of another XXXX is charged to our personal and business accounts.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I discovered that a check I had written to XXXX XXXX ( Ck XXXX dated XX/XX/2020 in the amount of {$1700.00} ) had cleared my Iberia bank checking account the day before, Friday, XX/XX/XXXX. 

Mr XXXX never received the check, and someone else cashed it. ( The endorsement showed only an initial, so I assume it was deposited directly into the thief 's bank account. ) I immediately notified Iberia Bank. 

The following Monday, someone from the XXXX branch of Iberia ( where I bank ) called and I confirmed that the check had been stolen. She requested that I come to the bank and sign a formal complaint stating that I would prosecute the thief. I did. I also asked to be notified of the bank 's findings. 

The next day, she called and said the bank had deposited {$1700.00} back into my account, but she was unable, or unwilling to give me any further information. 

She also advised me that the bank has no fraud investigation department, so there is no way to find out what happened. ( Mr. XXXX needs to know if someone is tampering with his mail, and I need to know who to prosecute. ) This is a serious federal offense, and surely the feds need to take action against the thief.

Please let me know how to proceed. In my opinion, Iberia had no business cashing this check without securing proper identification.

What is my next step?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXXtrans union and XXXX to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXX XXXX XXXXXXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are XXXX of the companies that ran my information without my permission
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Checking or savings account

PNC wont allow me to find accounts such as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ), and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending Validation to debt letters to collections, Ive yet to receive info back with the 30 day period. Which by law states that my disputed collections are removed from credit report. Also atttached below is a police report and fraud identification report. I also have letters from identitytheft.gov asking for all items to be removed. Attached also will be my forms of identity and proof of residence.I will be mailing these exact letters to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. EXPERIAN & XXXX  HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX  INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! EXPERIAN AND XXXX  NEED TO FOLLOW SUIT!!!!
Product: Checking or savings account

Upon XX/XX/year>, I submitted an initial application for a Business Investor Account with Merrill XXXX, a Bank Of America company. 
From that initial application and the proceeding weeks thereafter, until XX/XX/XXXX, I was deliberately given the " run around '' alledgedly based upon numerous corrections that needed to be made upon my application. 
Nonetheless, I complied to the best of my ability, and yet, this still was not enough for the small business team at Merrill XXXX. 
This was clearly a case of discrimination, bias and redlining, based upon these facts : 1. My company already has had a business account at Bank of America of which all of the information regarding my company is already within the same system as Merrill XXXX is a Bank of America company. 
2. I was recently able to open an individual account with Merrill XXXX without any hassle. 
The individual account was opened online within minutes. 
3. The over-probing about sensitive personal and private information seemed to very unusual as well as unsafe and abnormal for any financial institution to ask such. 
I will provide these overly-invasive questions from the saved email that I received today which demonstrate a clearly biased-redlining and discriminatory behavior communicating the obvious preference to " find a reason '' to NOT open the requested Business Account.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit file from Experian, XXXX And XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO OPT OUT ASAP OF EVERY CREDIT BUREAU OR XXXX XXXX XXXX THAT HAS MY NAME AND INFO IN IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Question for TPD Student loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.
Product: Credit reporting

In XXXX 2009, a fax lien was filed on my Equifax , XXXX and XXXX credit repots. XXXX and XXXX removed the lien ( it has been 7 years since it was placed ). I contacted Equifax last month and I was assured that it would be removed this month. I contacted Equifax this morning and am now being told it wo n't be removed for another three years. Does Equifax has a different set of rules that it follows?
Product: Credit card or prepaid card

I received an advertisement from TD Bank for the TD Cash Visa Platinum Card,  addressed to me in the mail early XX/XX/XXXX. The advertisement stated if I was approved I would have 0 % APR for 12 billing cycles on purchases and balance transfers. It also advertised unlimited cash back on dinning and grocery store purchases, and no dinging with fees like other cards. And spending {$500.00} on purchases within 90 days of opening the account can earn {$200.00} in cash back.I did the application online and was approved right away. I received the card around XX/XX/XXXX. I used the card on XX/XX/XXXX. When I received the first billing statement it stated 0 % APR on purchases.I made the first payment XX/XX/XXXX online which was due XX/XX/XXXX. I received the second billing statement for XX/XX/XXXX-XX/XX/XXXX,  which also stated 0 % APR on purchases. Then XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating they made an error. They ( TD Bank ) made a printing error about the 0 % introductory rate on purchases, it's only for balance transfers. Now they state the APR for purchases is 24.24 %. I've only made purchases, no balance transfers.They advertised 0 % APR on purchases and balance transfers on the application mailed to me. It is also on the first two billing statements. This is false advertisement. I would not have applied for the card if it wasn't 0 % APR on purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I received a fraud alert via email pertaining to two of my consumer reports from Via XXXX & Equifax. I reached out to both companies via separate phone calls. I was told by both companies that these fraudulent hard inquiry accounts would be removed from my consumer report via 24-72 hours. Its been over three weeks and these Fraudulent items are still reported on my consumer report today 's date is XX/XX/2023 from the original date of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable reinvestigation of fraudulent disputed information on my credit consumer report, therefore leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a law suit against Equifax alleging they are Failing to thoroughly investigate consumer disputes Putting previously deleted errors back on credit reports and failing to block identity-theft related information Sharing inaccurate credit scores and data about consumers with lenders These failures align with my experience where Equifax has neither corrected or removed the fraudulent disputed items despite the evidence provided. This has caused on going harm to my credit worthiness, thus preventing me from attaining credit.

Also, due to the lack of Equifax 's ability to keep my personal information safe, I have been affected by the data breach. These egregious laps in data security and investigative responsibility are outright violation of my federal rights under the FCRA 605B and other federal consumer laws. Please also see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a Jr and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Product: Debt collection

I received a notice from XXXX stating my credit had been flagged I have, & NEVER miss payments as I have a high credit rating and knew that what they were saying was impossible.. It came as a debt they say I owed XXXX I have the XXXX account number and I knew there could be no money owed as so purchased my number and had it ported to another company over 2 years ago.. They never port, or sell a number without all accounts paid including the last bill.. I still contacted them they gave me the account number and said there was a XXXX balance as well.. After further investigation, I saw the name CONVERGENT XXXX  Mind you, I have never been contacted by this company other than to ding my credit and a look into my identity was posted..I have tried to reach them to no avail!! Its JUST UNBELIEVABLE!!! I have since discovered it is Blatant FRAUD, I am following up with you because it has been brought to my attention that others have tried as well Please get back to me, so we can not only stop these people but rectify the situation.. 
Sincerely, XXXX XXXX
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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

XXXX XXXX XXXX XXXX Bank XXXX XXXX Account # : XXXX, XXXX ) XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and I did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
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 accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts 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, I found that under section XXXX ( a ) ( Bureau ) shall block the reporting of 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 XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX XXXX  for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the XXXX XXXX XXXX  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 XXXX XXXXXXXX after the date of receipt.