23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used capital one Earn Credits for Shopping programs and created a shopping trip to XXXX on XX/XX/2020. I do not recall when exactly I created that trip. I made the madewell purchase on XX/XX/XXXX roughly in the morning and assumed that I would receive the 10 % statement balance as promised on the XXXX earn credits for shopping. However, when I went back to capital one offers section after I made the purchase, the madewell button was not there around XXXX in the afternoon. So, i wondered if my madewell purchase would qualify or not, so I called in capital one customer service. First call was terminated probably due to bad signal. Customer service folk from credit offers dept named XXXX answered the call around XXXX. He looked at my account and told me he doesnt know when this madewell offer expires and has no information to know if my purchase from XXXX is qualified for this offer. So I asked, if a capital one specialist doesnt know if my purchase if qualified, how can I know if the system traced/ recorded my purchase right. He said, a customer is supposed to finish the purchase soon after he clicked that offer button and as long as the purchase is done within 24 hours of the offer. I said, I didnt know if the offer expires first or the first click went first. My capital one account does not provide this information and thats why I am calling. Im not supposed to know every websites I clicked and its unreasonable to require a customer to know when he clicked a button. The capital one system does not offer that information and it needs to. He began to argue with me and got very impatient with me. Some of the words he used and his comments were quite insulting. His attitude became very unbearable, and said he needs to hang up on me if I kept talking. I knew that the conversation became heated and it went no where, so I asked what his employee ID is, what his name is, and he said he cant give any of that information to me. In general, I didnt expect to get hammered for asking information I am authorized to know. Capital one please investigate the offers section and this employees problem.
Product: Debt collection

XXXX XXXX XXXX XXXX was apparently bought out by Citibank. For SEVEN weeks we had no access to the account, nothing, no statement, no online access etc. Apparently none of the payment information transferred over where we had the account set up for auto pay monthly but NO one advised us of this and we weren't sent a new card in the mail to date. The new card will have a new number so there is no way to check on payments or get in the system to check on anything. I have been receiving collections calls from Citibank regarding payments I didn't make, except it is THEIR problem. The collections agent tried to collect for TWO months, even though the 2nd payment isn't due until XX/XX/18. I was then transferred to his supervisor since I am unwilling to pay a higher monthly payment that is high through XXXX and Citibank error and NO error of ours. XXXX employee number XXXX became condescending and nasty and attempted numerous times by PUSHING for a payment that isn't due until XX/XX/XXXX. I set up a payment for XX/XX/XXXX for a little more than the normal monthly payment but am still being harassed for a payment that is almost {$30.00} more than is due because of their late fee that they will only take off of the total balance but are still trying to collect on the front end. I was called via robocall at my place of employment to collect on something that was " late '' through no fault of my own. I believe I am due for these calls and treatment. They won't even send a NEW card at this point until I pay what they say as due but I have no ACCESS to my account. So I am filing for their unethical collections practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 XXXX XXXX XXXXXXXX - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections.

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data.

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed.

Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information.

Evidence that my personal financial information has not been mishandled or improperly reported.

Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary.

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law.

Thank you.
Product: Debt collection

On or about XX/XX/2015 I discovered entries on my credit report that I did not make. There was an entry of {$4400.00} owed to an apartment complex that I new nothing about or had anything to do with. I contacted the police department and made an identity theft complaint. I also filed an identity theft complaint with the Federal Trade Commission. I sent copies of my FTC affidavit and the police report to XXXX, XXXX and XXXX XXXX. However, the item is still being reported by an ageny named Rent Recovery Solutions, LLC. Rent Recovery Solutions , LLC , is reporting this fraudulent information in my credit file. I was a victim of identity theft. I took all the necessary steps to resolve the issue but Rent Recovery Solutions is still reporting this negetive entry in my file.
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. 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 XXXXXXXX XXXX. XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, CHASE BANK denied my application for obtaining credit with the CHASE FREEDOM CARD. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). CHASE BANK is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. CHASE BANK 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.
Product: Credit reporting

Please read my attachments We contacted XXXX XXXX for full package with telephone, cable, Internet the whole nine yards. When the services finally got here we got basic television, no internet what so ever. We were transferred to XXXX telephone for services. When the first bill arrived there was XXXX separate billings on all XXXX accounts. It all started with XXXX. We contacted the credit card that we used to set up services. They informed us that service was stopped due to fraud by XXXX XXXX, and misrepresentation of their services. At that time we thought the case was closed. We were assured there was XXXX billing. The equipment was obviously old and covered in dust, the channels keep switching on their own and the cable box kept going on and off on its own. The person we complained with at XXXX was extremely rude and we just cancelled the service. The person we spoke to there assured us there was a zero balance. We also had to set up XXXX appointments before they came. No communication between their offices
Product: Debt collection

They are threatening me with legal action saying my pay would be garnished and debt would damaged my credit for the next 15 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a letter of dispute regarding this debt, as I am not obligated to pay the amount stated. The debt appears to be based on services that were not required for my lease agreement with XXXXXXXX XXXX XXXXXXXX, where I was explicitly told that I was not required to pay a deposit upon move-in. In fact, the leasing department confirmed that a {$0.00} deposit was required for my tenancy. 

Furthermore, I emailed XXXXXXXX XXXX XXXX XXXX, declining their services due to this requirement. After I declined their services, I did not receive any further communication from them until I was contacted by XXXX XXXX XXXX regarding the collection of the debt. 

I immediately reached out to XXXX XXXX XXXX to dispute this debt and followed up with an email. I also submitted disputes through Experian, TransUnion, and Equifax, providing clear documentation, including the lease agreement from XXXXXXXX XXXX XXXXXXXX, which confirms that no deposit was required for my move-in. 

Despite providing these details, all three credit bureaus have continued to report the collection as valid, which is inaccurate given the evidence provided. I request that this issue be re-evaluated and that the collection entry be removed from my credit report as the debt is invalid. 

Please see the attached communication and documents for your reference, including my lease agreement and all correspondence related to the dispute. 

I appreciate your immediate attention to this matter and expect the removal of this collection from my credit report. Please inform me of the steps you are taking to resolve this issue and confirm the outcome.
Product: Debt collection

I have verbally told several companies on Transunion to stop contacting me and I sent out Cease and Desist letters. I will make sure to download a copy from my Transunion Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations and Obligations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of information are required to : Provide accurate, complete, and verifiable information.

Refrain from reporting information they know or reasonably should know to be inaccurate.

Furthermore, 15 U.S.C. 1681s-2 ( b ) obligates you to : Conduct a reasonable investigation upon notice of a dispute. 
Review all relevant documentation provided by the consumer. 
Notify all credit reporting agencies of the investigation results and update or remove inaccurate information. 
Requested Information In accordance with 15 U.S.C. 1681g and other applicable laws, I request the following documentation to verify the validity of this debt : The original signed agreement or contract that proves my liability for the debt. 
A complete payment history for the account, including dates of delinquency. 
Proof that XXXX XXXX XXXX is legally authorized to collect this debt. 
Documentation showing the debts chain of ownership from the original creditor to XXXX XXXX XXXX. 
Dispute Details Account Number : [ Provide the account number listed on your credit report, if available. ] Date of Dispute : [ Date you noticed the information on your report or became aware of the issue. ] Specific Errors : [ Briefly describe the issue, e.g., " The account reflects an incorrect balance, '' or " I do not recognize this account. '' ] Your Legal Obligations Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), you are prohibited from furnishing information to credit reporting agencies without taking reasonable steps to ensure its accuracy. If you can not verify this debt within the legally mandated timeframe of 30 days, you must notify the credit bureaus to remove the information from my credit file immediately.
Product: Debt collection

On XX/XX/year>, I contacted AmSher Collections by phone to request verification of a debt they are reporting on my credit report. During the call, I requested proof of the debt, including any signed contract or agreement proving that I owe this amount. Instead of receiving assistance, I was hung up on during one call and treated unprofessionally on another.

On the same day, I also mailed AmSher a certified debt validation letter requesting proper documentation and proof of the debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, I have not received any verification of the debt, nor have they provided documentation to substantiate the legitimacy of their claim.

This account continues to harm my credit, even though AmSher has failed to provide proof that it is valid. I am requesting that the CFPB intervene to ensure AmSher complies with the FDCPA and removes this unverified account from my credit report. 

Please remove this account from my credit profile with all three credit bureaus immediately, as this is not my account. Despite my disputes, this company continues to place this inaccurate information on my profile. 

I urge you to review their XXXX reviewsmany consumers have reported similar issues. Yet, this company is still allowed to report on behalf of consumers. Their actions are fraudulent, and if this pattern continues, it is only a matter of time before a class-action lawsuit is filed against them for exploiting and misusing credit reports. 

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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # 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 XXXXXXXX XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Im writing this to formally express my concerns regarding cash app handling of disputes, particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform. Despite using cashapp numerous times, and reporting discrepancies, my financial institution and cashapp fail to investigate my claim adequately. They informed me that recovering lost found was impossible and that tracking these transactions was infeasible. The CFPB finding that cashapp has not only neglected to to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raised concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scammers this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

I have been banking with National Bank of Airzona for a few years now, however only this year have I had trouble checking my account balance, balance on credit cards and making payments. When I call in, I am told that they can not vverify who I am and that I can not get any information about my accounts including balances or making payments to loans or credit cards. 

I tried to explain that i am XXXX and that I can not read the security code on the back of my card and they are unwilling to accept the pin code that rhey send over my land line phone even if I get it correct. 

Simply going to the local branch each time to complete a simple balance check on my account or making a payment on a loan is unacceptable. There are no other procedures in place to verify who I am. This is a blatant violation of the Americans With Disabilities Act.
Product: Checking or savings account

I placed a stop payment on a merchanXXXX XXXX XXXX back in XX/XX/year> yet the merchant was still able to process transactions from my account. Every XXXX wills they were trying to debit money from my account.. so I started not keeping any money in this account but sometimes I would have enough for them to debit. I called the bank no less than XXXX times to have this issue resolved. Every tiime I saw this merchant trying to take different amounts from my account I called. Some of the transactions were sent back because of NSFs but many more were processed. anytime I called the rep from the back told me that I have a stop payment and they are not sure why the transactions are still going through but they assured me the transactions would be reversed because I placed a stop payment on the merchant. So in XX/XX/year>, I was doing an audit of my checking account and I saw that some of these transactions were still going through and being paid. I called back and escalated my concern. It was at that time that I learned this merchant was actually sending in paper checks that I didnt authorize and the stop payment I placed was only supposed to be for electronic ACH transactions instead of paper checks. I havent written or authorized a paper in years. I was told that he saw how many times I called and their team smiths have placed stop payments on ACHs and paper checks. This representative also told me not to worry because he could see the stop payments I placed back in XX/XX/year>. So at this time I was issued a temporary credit while they investigate. So I just closed my account because Bank of America could not protect my funds. In XX/XX/year> XXXX just recently concluded their investigation and reversed the temp credit and deducted {$1600.00} and {$610.00} XXXX totaling {$2200.00}. They didnt give me any information about why the stop payments had not been processed and why even after I called them multiple times to correct this situation nothing ever happened
Product: Credit reporting, credit repair services, or other personal consumer reports

The goverment website says, to order your free annual credit report from one or all of the national credit reporting companies, and to purchase your credit score, visit XXXX, call toll-free XXXX, or complete the XXXX XXXX XXXX Request Form and mail it to : However, on the XXXX website, it only allows you to receive your credit report. It does not allow you to purchase your credit score. If I go to any one of the credit bureau websites, I am forced to pay for a monthly membership to get my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX   XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and XXXX XXXX XXXX   XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX to XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX