23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX account. {$2400.00} past due as of XX/XX/XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Balance {$2900.00} Account Name XXXX XXXX Account Number XXXX Account Type Business LOC Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card or prepaid card

I received this letter in the mail written by Capital One at XXXX  XXXX XXXX XXXX XXXX, Utah and my replacement card is on hold and when I called the number in the letter and did not have an extension number they hung up.I have no way to make a copy so I will type it here. 
It is dated XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XXXX card Cade no. XXXX Dear XXXX XXXX XXXX We have placed a hold on your Capital One credit card account. It is important that we speak with you as soon as possible to clear up concerns we have around potential fraud. 

Please call today so that we can work to resolve this issue for you. We can be reached at XXXX XXXX XXXX o the number on back of your card anytime seven tdays a week. It you have spoken with us about this, there is no need to call again and you can ignore this letter. 

Sincerely, Capital One customer Fraud Protection. 

When I called this number they asked for an extension which I did not have. 

Therefore I am still without a card. 

I am not paying someone without a bill like this. Could you get me my card. They wrote me and I received this letter but have no communication with them. I do not have a card any longer to call the number on the back and my number was XXXX. This is a number on this letter of a card I never had in my possession. The card was not stolen but lost in the house on the floor and I found it but by that time the card was cancelled.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 1681XXXX XXXXXXXX XXXX XXXX  .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX  XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX  XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}.
Product: Checking or savings account

I deposited a check into Citibank to open an account from my. I waited the 10 business days to get my ATM debit card once I got it I was working out of state in XXXX Massachusetts. ( XX/XX/23 ) I have my card on my XXXX XXXX over there. While my partner was using my physical card in XXXX XXXX XXXXXXXX where I live, I would get the fraud detection alert and clear it up with Citibank after every purchase or so but I recognize that it was purchases from two different places so that could cause the fraud alert. I got back to nyc XX/XX/23 and the next day the XXXX we went on a shopping spree however with every purchase Citibank would detect fraud and put a hold on my account. I would call and clear it up. On the XXXX the same process would repeat with me calling citi bank to unlock my account. I even tried withdrawal from the Citibank atm itself and that also set off a fraud alert and locked my account. Now XXXX  ( XX/XX/23 ) I withdrew {$1000.00} and ordered an XXXX and the fraud detection alert went off again however this time i called to get it removed but they said they could not verify my identity due to my phone number and would not give me any other explanation than their third party verification system would not allow me to use my phone number and there is no other option. They sent a letter that will arrive in 5-7 business days. I can not wait that long because I have a trip to XXXX XX/XX/XXXX meaning if I wait I would have to cancel my trip. I truly believe I am being discriminated against because of my race and living area. I do not believe every other customer at Citibank goes through this type of scrutiny when accessing their funds.
Product: Student loan

I filed for chapter XXXX bankruptcy in 2013 and Nelnet and it subsidiaries file a claim. They were repaid thru the 5 years and at the end of bankruptcy I paid back all claims in full. Now nelnet reopened new claims of money owed. They provided the courts with their claims and it got paid, they cant now come back and Circumvent the US bankruptcy court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently limited in XX/XX/XXXX. I have not broken any of the user agreements or done anything wrong. I am a XXXX XXXX ; I only used my PayPal account to receive payments from my clients. I understand how important it is to review the accounts regularly to keep PayPal safe for both buyers and sellers. However, I always work in good faith and follow all the policies and user agreements as stated. I tried to contact PayPal support a few times, but they said that this decision is final and the only option I have is to wait 180 days and then withdraw my PayPal balance. After 180 days had passed, on XX/XX/XXXX, I received an email saying that my funds were eligible for withdrawal. But on XX/XX/XXXX, PayPal transferred all my money ( {$1100.00} ) to themselves. The transfer memo said XXXX damages caused by XXXX XXXX XXXX violation. I contacted PayPal support, but they couldnt even explain to me which policy I broke. I think this is completely unacceptable and is simply theft. I would like to get my money back ASAP.
Product: Money transfer, virtual currency, or money service

I mobile deposited a check that I received to Capital One that was a refund from an apartment complex 's rent. ( XX/XX/XXXX ) The check was made out to myself and my Fiance which we both endorsed and mobile deposited this on the Capital One app. Capital One restricted my account and flagged this due to suspicious activity. I called about this issue continuously and was either sent to voicemail or hung up on. The few times I was able to get a hold of someone I was told wrong information. After going to the highest level of Managers that would take my call I was then told to seek out a hold harmless letter from the check issuers bank. I did so and the check issuers bank first did not know what type of form I was referring to which I assume because that is not common practice. The check issuers bank then stated they would sign the form assuming the check issuer agreed once they received the form. ( XX/XX/XXXX ) I called back a few days later and nothing had changed as there was a stalemate. ( XX/XX/XXXX ) I was told that an investigation was underway and I had to wait. I then waited a week and called back, no change. ( XX/XX/XXXX ) I did this multiple times and no change. As I continue to call they continue to give me different excuses as to why they will not send the check. ( XXXX ) I am posting this here because I do not know what to do next. This check was nearly {$1700.00} and for me that is a lot of money and I really need it to pay rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Quicken Loans in XX/XX/XXXX to ask what I needed to do or send them to get them to fix the problem of wrong info reported to the credit company 's. Info that they reported my mortgage as being closed and discharged as part of the bankruptcy. It was not discharged, it was showed as an asset. So Quicken should instead report it as being open and in good standing. Was transferred to different department and they told me their was nothing I could do because it was company policy to report it that way. 
I contacted the credit agency 's and sent them copy 's of the bankruptcy, bank statements, and tax statements from Quicken Loans and more, but the company continued to say the mortgage had been discharged. The company sent all the proof to Quickens, but Quicken still refused to change what they reported. I'm a XXXX senior citizen. Quicken Loans has damaged my credit and caused an almost {$7000.00} financial burden on me and now I'm unable to get a refi loan to finish my kitchen. The stress I have been under from this has caused my Dr to put me on more medication. I have had a mortgage with Quicken since XX/XX/2013and always paid no time. Quicken Loans has cause me major stress and damaged my credit.
Product: Mortgage

XXXX XXXX went through a tumultuous divorce and then became very ill. As a result, she fell behind on her mortgage and now is facing a sale date on XX/XX/2018. She has since got back on her feet and works as a caregiver and also collect rental income. She can maintain the mortgage payment and need only a loan modification to bring her current, giving her a fresh start. She will be submitting a full assistance request to Select Portfolio Servicing attached to this complaint with the CFPB. XXXX XXXX will also be enlisting the aid of her Congressman in regard to the postponement of her sale date. 

XXXX XXXX requests that the sale date be put on hold while her new assistance request is under review, per the California Homeowners Bill of Rights and Dual Tracking : Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 
Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate.
Product: Debt collection

First off, I could not find an appropriate description of my problem in the drop down menu for the question : " Which of these best describes your issue? " In XXXX I started to receive calls from a Simon Agency for unpaid medical debt since XXXX that I was not aware I had. After several conversations with them clarifying what they are asking for, as I believed I had paid all my medical bills, I ended up paying this unexpected additional claim for {$750.00} that they came up with. 

I just realized today that this XXXX delinquent medical bill I paid in full in XXXX XXXX has been reported as XXXX different delinquent accounts some of which for {$30.00}, others for {$18.00}, etc - all broken up. I spoke with this Simon agency today and they claim that these charges are for different doctor visits and therefore reported as separate accounts. However, I visited the same hospital and all the work was done within this XXXX hospital, and this was XXXX bill that was unpaid. I am XXXX person and I went to XXXX hospital that claimed I owed it money. I personally would not care how they reported but in this case this policy seems to be invented so as to hurt my credit score. I realize how beneficial this is to the financial institutions who can now use the excuse to charge me higher interest rates on any services I might need within the next 7 years. 

Unless you are part of the scheme created to hurt innocent citizens, I would very appreciate your backing me up and consolidating the appearance of these separate accounts into XXXX. 

Also, if your bureau really stands for consumer protection, I would expect you to go after such practices and remove them from existence before they occur. 



Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX please remove any other name from my file they are not right ( XXXX XXXX XXXX 
My address is XXXX XXXX XXXX  XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Product: Credit card or prepaid card

I have been a XXXX XXXX customer for about XXXX years, and have consistently paid my account in full each month. I had accumulated XXXX unused rewards points. Two months ago I discovered Barclays had revoked all of my accumulated points, which had a redemption value near {$15000.00}. No reason was given for the seizure of the points other than my account was revoked. The only reason for given for the account being revoked is a statement Nature of business does not align with revised Bank risk tolerance. However, this explanation makes no sense as this has always been a personal, not a commercial account. I have attempted to resolve the matter in good faith using the available channels of replying to the address on the revocation letter, and speaking directly with customer service. I have been told verbally that it is impossible to restore rewards points after they have been revoked. This is obviously untrue. Further, I was told that I must accept the situation and continue to make payments. This situation is unfair, abusive and simply intolerable. 

For the Barclays representative reading this complaint, I want my rewards restored, or their equivalent cash value paid to me. Until this is done, I will not be making any further payment to the account.
Product: Credit card or prepaid card

Comenity Bank, XXXX Visa credit card. Opened in XXXX, and XXXX I send my payment in 2 weeks ahead and they credit day after due date, say they are aware of a delay in there receiving of mail payments. Refund late fee, but I then send payment by XXXX or XXXX of each month for due date of XXXX and even 17 or 18 business days mail and they still credit day late everytime. Only once did they do my payment processing properly, XXXX, sent on XXXX received on XXXX like normal mail should work. today XX/XX/2021 again they say not received and will waive my late fee after speaking with manager XXXX. But I say the problem is not the mail system, as that is impossible, it is not me, as I am sending payment in beyond early, but is there predatory practice of purposely holding payments to just after due date for fees and causing credit damage to good customers always paying on time.
Product: Credit card

My electrician sent me a bill, I paid it with my credit card and a few minutes later I got a call from my electrician saying I should pay with a check instead to avoid the 4 % surcharge for using credit card. So I then paid with a check. Electrician told me to call the card company to get a chargeback for the credit card payment. 

I called my credit card company ( Capital One ) a few minutes after the charge, and explained the situation, they said to wait for the transaction to go through because it was still listed as pending. I called again a few days later when it was no longer pending. They opened a dispute that is has now become unresolvable. The credit card company is refusing to do a chargeback. I have a huge charge sitting on my credit card. I wasted hours getting the email from the electrician telling me to get a chargeback, the paid invoice I got from the electrician, copies of the endorsed check ( front and back ) and they are still refusing to do a chargeback, telling me I need to show my bank account statements and every time I call they are asking for more and more paperwork for what should have been a five minute chargeback.