23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used XXXX to send money overseas to an individual who claimed they were so-and-so. Turns out they were not real, I had access to this individuals email address and found a picture of their Passport XXXX Street Address and a picture of the person WITH the passpoirt in hand. I could not use XXXX to Get my money back, I went to my bank and after trying to file XXXX claims, they resolved the XXXX claim without paying it. So I am out {$19000.00} and theirs nothing I can do about it, stay away from BOA.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a email from PayPal saying that I am banned from their services and can no longer use them. 

I was given no reason or explanation, just that I was now banned from everything and can not use the service. I had a balance at the time that took weeks to be mailed to me. I still get statements for the account to this day, but have no way to access it or use it.
Product: Debt collection

Subject : Formal Complaint and Dispute of Debt Collection Practices Dear Portfolio Recover, I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report.

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies. 

XXXX. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices. 

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies.

2. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law. 

XXXX. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.
Product: Bank account or service

I went to XXXX XXXX to get an XXXX inspection for a XX/XX/XXXX Mercury Grand XXXX and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to 100 mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX XXXX saying that my egr valve and spark plugs needed to be replaced which I had repaired in XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it. XXXX XXXX said that they had a dealer tag and would drive the 100 miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make {$680.00} I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket {$190.00} without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back. The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XXXX and a brochure from XXXX XXXX stating state law. I gave them a letter from XXXX a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged {$110.00} to reset automobile computers on their machine. Now my checking account is in collection with Wells Fargo who says I need a XXXX opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XXXX XXXX and paid for it XX/XX/XXXX.
Product: Debt collection

Today I received a letter from my supervisor at work that I had a personal phone call from this XXXX from Pioneer Credit Recovery. I was extremely upset and embarrassed!! I have never not once heard of this company and certainly have not received anything via US Mail that I owe a debt to them. What are they doing calling me at work > Is n't this a violation? How can they just start harassing me at work when I have yet to receive anything documenting this supposed debt >?
Product: Mortgage

My deceased son has an outstanding loan with Amerihome mortgage company. On XX/XX/XXXX I sent the death certificate of borrower. XX/XX/XXXX faxed court assigned administrative papers from probate. XX/XX/XXXX faxed administrative papers again because they did not have. XXXXspoke to research person who would call me and we could proceed with payoff amount. No call. I called XX/XX/XXXX. XXXX said they had papers but they needed ID. TOLD TO FAX MY drivers license. After received it could take up to 5 days to process. Contract for sale of house was on XXXX XXXXthus not enough time. 

This timeline leaves out the hours I spent daily going up the chain of authority to get answers..on XX/XX/XXXX, I spent 6 hours, talking, questioning, trying to get the process moving faster to meet deadline of XXXX. Could not get payoff! Then they needed my drivers license. After I faxed it it would take another few days to process before getting payoff. they said they had to have drivers license for federal reasons. Administrative paper was state. When I asked to talk to someone over an XXXX persons head, he sent me to XXXX. I did not hear his name at first and asked his name. He repeated XXXX, how may I help you. Then, he could not hear me, but I could hear him. I hung up. There was no call back. Nice prank! 

It was an exhausting experience. Each call, I might talk with anywhere from 4-8 people. Each time they did not have info, send me again, oh yes I have it but now you need this, and me just asking for payoff so we could continue on timed signing on sale of house. For some reason, they did not want to get their money. 

Twice I asked for someone above the executive mediator and the XXXX person. Told we would get a call back and never received one. NO ONE CARES IN THIS COMPANY! The person handling the closing tried also the first time. That is why I got involved. She said usually when you ask for payoff, they give it. Done within 30 minutes and one phone call. THEY WANT THEIR MONEY! 

I could never put down on paper how terrible this experience has been!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section XXXX [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , XXXX  XXXX  # XXXX, XXXX  XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items below, but the bureaus have not removed them or proved validation. 

Sec. 602 State, I have a right to privacy. 

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

I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.
Product: Debt collection

EXETER FIANCE HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! 
I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! 
NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! 

VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information 08 CAPITAL ONE BANK USA N A XXXXXXXXXXXXXX 08 CAPITAL ONE BANK USA N A XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX
Product: Checking or savings account

Capital One Bank locked my entire account ( a main checking account and several savings account ) on XX/XX/2023. This was under their assumption of suspicious activity, specifically regarding a wire transfer. Since then, it has been a long challenging year to receive most of my funds back. I have gotten all my personal funds back over the past year. However, there is still an issue with the main checking account. A wire transfer was sent on to my main checking account on XX/XX/2023 of an amount of roughly {$17000.00}. I have asked the bank several times over the past year to re-send the wire transfer that caused all this mess back to the original sender but they refuse to contact them and re-send them the money. I have even spoken to the original sender who sent me this wire transfer and they have let me know that they have tried to reach out the Capital One bank via XXXX messaging but Capital One does not respond back. After publishing my initial complaint with Capital One, I received a letter from them stating : We reviewed the complaint you recently filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the restriction placed on your XXXX Checking account ending XXXX after a wire deposit was received and wanted to follow up with you. Our research has confirmed the decision to end the banking relationship with you has been upheld and final. This means you will not be able to open new accounts with Capital One in the future. 

The funds from the wire deposit posted on XX/XX/2023 will be returned to the remitting bank before any remaining balance will be issued to you in the form of a check to the address on file. 

A check in the amount of {$25.00} had been issued to your mailing address we have on file as of XX/XX/2023. Additionally, a final check in the amount of {$12000.00} has been issued to your address on file and the XXXX Checking account ending XXXX has been closed as of XX/XX/2023. Please allow up to ten business days for each check to arrive from the date they were issued. 

Since this letter dated XX/XX/2023, the remitting bank STILL has not received their wire deposit total of roughly {$17000.00} even after Capital One bank has issued out the remaining balance in the form of a check to me.
Product: Credit card

I am filing a complaint regarding a rewards offer promoted by Chase. On XX/XX/ XXXX XXXX Chase 's website displayed an offer of {$25.00} cash back for a purchase of {$130.00} or more from the merchant XXXX. Prompted by this promotion, I made a qualifying purchase from XXXX on the same date. 

As of today, XX/XX/ XXXX  the offer has been removed from Chase 's website, and my account no longer reflects that I redeemed the promotion. This situation appears to constitute mismarketing, as I relied on the terms of the offer when making my purchase. 

I am requesting Chase upholds the terms of its advertised promotion and issues the {$25.00} cash back reward as promised. This matter impacts consumer trust and the transparency of marketing practices. 

Thank you for your attention to this issue. I am happy to provide any additional information needed to assist in resolving this complaint.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 I send letters to Transunion requesting incorrect items on my credit report to be addressed and as of todayXXXX I still have not heard anything back. 
FCRA states they are to respond within 30 days and I have received nothing meanwhile my incorrect credit still stands. 
This also is my second complaint about this same matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

n accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXXXXXX XXXX XXXX  account # 's XXXX, XXXX XXXX account XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

They were enquiries hard inquiries on my credit report trying to get delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is Medical Debt from a XXXX procedure which was denied by the Veterans Administration as unnecessary. This debt is reporting to XXXX, XXXX and XXXX which is against present regulations.
Product: Debt collection

On XX/XX/2021, my employer received a call on my behalf from IQ Data International, during this phone they stated they were attempting to collect a debt, and explained the alleged debt owed, I explained that I was not sure I owed the debt and even if I did, I wouldnt have the finances to pay it right now. At that point the representative stated if I did not find a way to pay this, he knew where I worked, and could make life very difficult for me as I am in the military, I asked him if he was threatening me and he stated he was just letting me know what he could do. I told him I wanted to work this out, at that point he said hed get someone else on the line. He then transferred the call to his manager. When she got on the phone she started yelling immediately, I told her she was contacting me on a goverment line and needed to contact me on my personal phone from now on, she then stated good now that I know you work in the government I will contact all of your higher ups and keep calling your job until its paid. She then started giving me payment options, at this point I had to return to work so I told them Id call back. At lunch I called back to try to discuss getting a debt validation letter, and he said he couldnt do that but could go over the charges with me and started going through them. I told him I dont have money for this debt and I cant pay it if I dont know I owe it. And he told me I needed to use a family members credit card, or max out my cards, or do whatever it takes to pay this, otherwise hed put this on my credit and it would make life very hard for me. I told him Id need time to figure something out. 
I later called them back, after consulting with an attorney. And asked XXXX XXXX with IQ, if he could please just send me a debt validation letter. And he began asking me why, said he could go over all the charges with me, said it was wasting time, and asked if I would agree to pay the debt if he sent a letter. I said no because Im unsure I owe the debt, and would like to verify it. At this point he said he was done dealing with me and was sending it to collections so I needed to speak with his manager. She came back on the line and asked why I wanted a debt validation letter, I stated it was because it was my right, and I wanted to make this work but idk if I actually owe it, at this point she started screaming and saying I was stalling, I was being as polite as possible and she just kept yelling about how I wasted her time and she was putting this in my credit immediately and now I wont be able to buy a house and shed make sure my job knew about it. I requested all communications be in writing and through me, and she said no shed be calling them today. I recorded the entire call, and have detailed proof of their threats and refusal to validate the debt and send communications in writing and cease contacting my employer. The file is larger than 10 mb, and will not let me upload, but I am happy to email it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection for a telphone bill of {$770.00} that is not mine. The creditor, on whose behalf the collection agency claims I owe money, states I do not have any unpaid invoices or that they have sent an invoice to a collections agency. The credit reporting agency has not investigated properly. They simply have asked the collection firm to confirm I owe the money. In the meantime, y credit score has gone down over 50 points.
Product: Money transfer, virtual currency, or money service

hi, paypal blocked my account without any reason. 
i have balance in my account and i made purchase with my debit card. 
now i received a email that my account was permanent close and my money is hold again for 180 days. 
i never had any dispute or chargeback in my account, and now i cant use this account but i need my money. 

PayPal. ( Id. de XXXX my emaill XXXX XXXX