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

I recently received a application notice for a credit card, dated XX/XX/2023 from Barclays. The mailed notice referred to a Wyndham Rewards Earner Plus Card, and stated : " Thank you for your recent application.... We have reviewed the application and determined that additional information is needed before the request can be processed. '' I did NOT apply for this! - I don't travel much via hotel and would never have applied for this card. I did contact Barclays directly ( on Tuesday, XX/XX/2023 ) with the provided phone number, spoke to a Barclays customer Security Rep, and requested an investigation take place. I will be checking back with the investigation team to figure out the progress and hopefully, the fraudulent applicant gets caught - I will push to prosecute. I am aware that the phone number on this application does NOT match my phone number but the customer security representative could not disclose any further information at this time. 

I am filling out 2 separate cfpb complaints ( this is my second complaint ) The first complaint was for XXXX XXXX XXXX XXXX, ID # XXXX - XXXX, if needed for reference.
Product: Credit card or prepaid card

I am filing a complaint against Capital One for refusing to investigate a credit dispute with XXXX XXXX for custom draperies. It was for a transaction posted on XX/XX/XXXX for a total amount of XXXX dollars. 
I was misled by XXXX XXXX XXXX decorator, XXXX XXXX. she installed a completely different style than what we agreed one ( She installed a very cheap drapery style ) .I sent to Capital one pictures of the style we agreed on and the style that XXXX XXXX installed. Even the contractors who did the installation agreed the style installed is different that the style I expected. XXXX XXXX failed to deliver on what we agreed on. Relying on false statements from XXXX XXXX, Capital One closed the case, and refused to reopen it. I had previously filed a complaint through the CFPB with documents of tremendous importance, which should have helped decide the case in my favor. That is only if the investigator was willing to investigate the case. Unfortunately, the agent who was in charge of the investigation called me one time and said that they would do a thorough job investigation the case. But they never did. Capital one failed to resolve the issues. Though i provided all required documents, they denied the dispute based on false statements issued by the Merchant. This is what they said in the letter they sent : " Based on the information we received, the merchants decision not to honor your refund request was based upon the original drapes being incorrectly measured. The merchant advised that they remeasured and reinstalled with exactly what you ordered. As a result, we re-billed the disputed transaction ''. I disputed the charges because i did not receive what the decorator agreed to install. I received a completely different style. That has nothing to so see with measurements. 
I should also mentioned that I tried to resolve the case in good faith with the XXXX XXXX. On XX/XX/XXXX, the same day the custom draperies were installed, i emailed the store manager, letting them know that a different drapery style was installed. They said they would contact me and they never did. I also contacted XXXX, the decorator who even came to my house on XX/XX/XXXX to inspect the installation. She was in agreement that a different style of drapery was installed. She said she would contact her store manager on the next steps. On XX/XX/XXXX, she called me to let me know that she would not redo the installation. 
I have already sent supporting documents to Capital one. With no success I called capital one multiple times.That is why I have decided to file a complaint Through the CFPB
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice. I demand the following accounts be removed from my Credit Report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ON XX/XX/XXXX Company Responsed, and stated that On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( Consumer ) received services from the Provider. The total charged for the services was {$7400.00}. Prior to the services being performed, the Consumer signed a financial responsibility agreement. On XX/XX/XXXX the Provider assigned the Consumers account to Capital Resource Management , Inc. ( Company ) for non-payment of the balance due. The Provider also advised that the Consumers insurance company issued a payment directly to the Consumer for the services provided and the Consumer did not forward the payment to the Provider. On XX/XX/XXXX the Company sent a collection letter by U.S. Mail to the Consumers address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX the Company furnished the Consumers account information to XXXX XXXX. On XX/XX/XXXX the Company sent a second collection letter by U.S. Mail to the Consumers address. At no time prior to the receipt of this CFPB complaint did the Company receive any contact from the Consumer. Upon receipt of this CFPB complaint the Company contacted the Provider and verified that the debt information is accurate. A copy of the Consumers billing and financial agreement has been sent by U.S. Mail to the Consumers address. The amount owed {$7400.00} is incorrect. 

The original bill that is attached stating the amount was {$420.00}. 
Yes, the payment was mailed to me and deposited. However, a personal check was mailed directly to the office. Now assuming they never received the check by mail or it was never deposit into their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to dispute items erroneously reported on my credit report. On XX/XX/2019 Equifax replied with an updated credit report stating that everything was verified! On XX/XX/2019 I sent another letter asking for Method of Verification, according to USPS this letter was received by Equifax on XX/XX/2019. According FCRA, CRA has 15 days to reply with Method of Verification. I hadnt received a response as of XX/XX/2019. I proceeded to send a follow up letter on XX/XX/2019 asking for verification once again. On XX/XX/2019 Equifax sent a response which was another copy of a credit report. The Method of Verification was not included. Today is XX/XX/2019 to date I havent received Method of Verification. Equifax continues to report misinformation on my credit report and this is causing a hardship!

Please promptly remove the items erroneously reported.
Product: Checking or savings account

In XXXX, an XXXX XXXX company made XXXX withdrawals of {$1900.00} from my business account that I did not recognize and opened a claim. 
XXXX Bank of America sent me a contract that was signed electronically, which I did not sign or authorize, apparently it is a company that makes loans to businesses Bank of America has been sending my account statement information to several lenders. Today I They say that my claim was denied and send me a contract that has been done wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXXXXXX XXXX XXXX for {$680.00}
Product: Debt collection

CFPB Complaint Regarding Credit Collection Practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX SSN : XXXX ( Email Address : XXXX ) Date : XX/XX/2023 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Credit Collection Practices of Credit Resource Management Dear CFPB, I am writing to file a complaint against Credit Resource Management ( CRM ) regarding their debt collection practices for an alleged debt owed to XXXX XXXXXXXX XXXX. I am disputing the validity of this debt entirely. 
Dispute of Debt and Revocation of Communication Methods I am disputing all claims that I owe any debt to XXXX XXXX XXXX, as collected by Credit Resource Management. I request that CRM cease all communication attempts with me regarding this debt, including phone calls, emails, and text messages. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written validation of this debt. This validation should include the original creditor, the amount of the debt, and a breakdown of charges. Please furnish this information to me within five days of receiving this complaint. 
Request for Purchase Agreement I am also requesting a copy of the purchase agreement between Credit Resource Management and the original creditor, XXXX XXXX XXXX. This document will help me understand the legitimacy of the debt transfer. 
Proof of Licensing and Bonding Please provide documentation proving that Credit Resource Management is licensed and bonded to collect debts in my state.

Lack of Proper Notification I have not been given a proper opportunity to dispute this debt. If Credit Resource Management believes they did send me a debt validation notice, please provide a copy with a certified receipt showing my signature for delivery. 
Legal Citations I am filing this complaint under the following regulations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : Validation of Debts 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) : Communication in a Fair and Accurate Manner 12 C.F.R. 1006.34 ( d ) : Communication with Third Parties 15 U.S.C. 1681s-2 ( 7 ) ( a ) : False or Misleading Representations Request for Response I request a response from Credit Resource Management within 15 days of receiving this complaint. Their silence on this matter will be considered acquiescence to my demands. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ( ID AND PROOF OF ADDRESS ) : Any documentation related to the alleged debt ( e.g., collection letters )
Product: Credit reporting or other personal consumer reports

This is my seventh 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$240.00} 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

Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.
Product: Debt collection

I keep getting a call from XXXX XXXX. Today at XXXX XXXX  was the latest. They are spoofing the caller ID to reflect that they are a Cell caller from MA. The number is XXXX. I feel this is a deceptive practice and they should be fined for using this tactic. When they started to go into their Collector speech, I hung up. They want to verify information that I do not want to give them.
Product: Vehicle loan or lease

I went online to shop for a honda XXXX XXXX  I received a certified offer to go any dealership to receive the lease for $ XXXX month XXXX miles/ year for XXXX months. When I got in for of the finance person he would not honor the deal. I have a credit score over XXXX and definitely should have received the best financing. However, I believe because I am a XXXXXXXX XXXX I did not receive the financing originally offered online. 

Further, my current lease contains an extra {$50.00} for the Ciry of XXXX were I do not live.
Product: Debt collection

Sent collections agency ( Credence Resource Management ) 609 letter to validate the debt. I did not receive any of the information  requested. The letter was dated XX/XX/2020. This well past the 30 days. XXXX  advised me that I needed to contact CFP for some resolution. Below were the information that I asked for. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I have several accounts at Citizens. On XX/XX/XXXX, a payroll check was deposited for my daughter in her bank account at an ATM, along with my payroll check in my own account. My daughter works for our company and I also have business accounts at Citizens Bank where our payroll checks are drawn from. My daughters account has been opened since XX/XX/year>2024. Payroll checks have been deposited through the same ATM at Citizens Bank, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yesterday, XX/XX/XXXX, a hold was placed on my daughters payroll check for FRAUD. I went to the same branch and the XXXX made a call and said this does not make any sense. The payroll check is drawn on his business account here. His daughter has a checking account here. The check was cleared from the business account but the fraud department stated they are still returning the check to us. That return was processed today with the check on the way back to my daughter. So we have to wait to receive it and attempt to redeposit it again. Our payroll company, XXXX XXXX XXXX, creates our checks for our entire staff, now XXXX employees as of XX/XX/XXXX. We all deposit our checks via a branch or ATM or cash them. My daughter cant even use her debit card from another account she has here, it was declined a few times on XX/XX/XXXX. Its always something with this bank. I am supposed to have someone assigned to my business, he has never called me despite set appointments. They do not extend personal or business credit despite having a XXXX credit score, numerous relationships, and consistent business deposits monthly. I am looking into other banks to shut every single account down, even my XXXX childrens accounts. How is it possible to determine XXXX payroll check is fraudulent when you cleared all the prior ones, deposited through the same ATM after work, at the same branch with the same signature. When you call customer service, no one can help you, they pass you around. You go on XXXX XXXX XXXX and read a bunch of bad reviews, I just placed XXXX. This is ridiculous. Whats wrong with this bank. Even the XXXX couldnt understand why they determined a payroll check to be fraudulent, created from a business account, deposited into a personal account all at the same bank, and then issue a return. Their app always freezes on me everyday. Im looking to move all my relationships, all XXXX accounts. They also placed my daughters account under investigation which is also my joint account. She is unable to use her account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

As previously disclosed, I am a victim of identity theft. I have reported this with the FTC. 
Please remove this inaccurate information from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX XXXX Subject : Formal Dispute Regarding Civil Liability for Negligence and Non-Compliance with XXXX Civil Liability under 15 U.S. Code ( 1681 ). O Dear Sir or Madam : I am writing to formally dispute inaccuracies found in my credit report, which I believe stem from your companys negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o Background and Basis of the Dispute On XX/XX/year>, I learned of inaccurate information and accounts on my credit report. After reviewing the details, it is evident that your company failed to fulfill its obligations as mandated under the FCRA. The negligence includes, but is not limited to : 1. The only name that should be on my report is XXXX XXXX XXXX. The only address on my account should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and the only phone number on my report is XXXX ; anything else reporting is inaccurate. 
XXXX. I also see accounts that have been charged off, repossessions, late payments, and inquiries unfamiliar to me. Consumer Credit Laws forbid such actions of late payments 15 us code 1666.b, Charge offs 15 us code 6802, collections 15 us code 1692.g, inquiries 15 us code 1681.b. I will Include a copy of my credit report so the necessary corrections can be made.

This failure has affected me in terms of denial of credit, emotional distress, financial loss, etc., which could have been avoided had your company adhered to the FCRAs requirements.

Legal Rights under U.S. Code 1681o Under U.S. Code 1681o, a company found negligent in complying with FCRA requirements is liable for : XXXX. Actual damages sustained as a result of the failure. 
2. Legal costs and reasonable attorneys fees incurred in pursuing this matter.

Requested Actions To resolve this issue promptly, I request that you : 1. Conduct a thorough investigation into the matter and provide a detailed response explaining your findings and corrective actions within 7 days of receipt of this letter.

2. Correct the identified issues and ensure compliance with FCRA standards.

3. Compensate me for the damage caused by your negligence 4. Cover any reasonable attorneys fees or other costs in addressing this matter.

Enclosed with this letter are copies of the following documents to support my claims : Credit reports, previous dispute letters, denial letters, etc. 
Next Steps Suppose I do not receive an adequate response within 7 days. In that case, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages as allowed under the FCRA. 
I hope this matter can be resolved amicably and promptly. Please direct your response to the contact information listed above. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Several times in the past few years I keep getting phone calls from collection agencies and once from a private detective agency looking for my ex-wife, we have been divorced for over 30 years. How do I get this stopped???
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinserted information on my credit report that was previously removed. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days. 
The account in question is XXXX XXXX, which was removed following a dispute. However, I have recently discovered that this account has been reinserted into my credit report without any notification from your agency within the mandated time frame. 
This reinsertion without proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you : Immediately remove the reinserted information from my credit report. 
Provide written confirmation that this has been done. 
Ensure that all future reinsertions comply with FCRA regulations. 
Attached are copies of relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal. 
I expect this matter to be resolved promptly and look forward to your confirmation within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX