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

I am requesting for the many hard inquiries associated with Capital One Banks, credit line of increase to be deleted off my credit report. As they have admitted to having technical issues due to this overdraft line of credit that I have applied for and was approved on XX/XX/XXXX. I was told by a representative and also the security department after verifying my identity, that the overdraft line of credit should work. I proceeded to continue online with the process and the system pulled my credit again. Which added another hard inquiry. I called in again and spoke with the security department and I was told the security restriction was released after verifying my identity again. I proceeded to continue the process and I received another alert that my credit report was pulled again by this bank. Each time being approved but not being to access it. This issues is not my fault and after waiting several weeks this issue is still not fixed. So I am requesting for the overdraft line of credit increase to be cancelled due to the inconvenience and any hard inquiry associated with this credit line of increase, to be deleted off my credit report with XXXX. Attached is a document of how many hard inquiries are showing on my credit file. A previous dispute was filed and I was told this company would respond by XX/XX/2019.
Product: Credit card

I opened a secured credit card up wit Capital One back in XX/XX/2015. Prior to submitting my application, the description for the credit card stated that it was a secured card and after excellent payment history and never being late on the card, I would get back my {$200.00} security deposit. This was one of the reasons I went ahead and applied for the card. Now, I do understand that I had a card previously with the company which I unfortunately had to default on but that is beyond the point of this one. I have continuously tried to contact Capital One to get back my money after making excellent payments and never being late. I have always been told that that offer was no longer offered on my card and that the only way to get my money back was to close the card. That is not what I want to do. I wish to keep my card. I feel like I was defrauded by Capital One and was given false pretenses. Not one time did I ever receive any information to state that my card was not eligible for a refund. They even gave a one time only credit limit increase while after I had my card for about a year and a half. I feel like I should get my money back. The information on their website in reference to the secured credit cards still have the same information that you can get your security deposit back. I just want my money back as promised.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Hello, I deposited a check for {$7100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a local government, yesterday at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the teller told me that the entire funds would be available the next day on XX/XX/24. Later, I received an e-mail from the bank stating that since the check looked suspicious and a possibility of being returned, and therefore, they have put a hold on the funds until XX/XX/24. 

The check is a government check and was definitely cleared last night, why would they put a hold on the funds that they have already received. I need the funds now, I have made payments such as utilities and car payment, car insurance, I called them but was told that it would take a week for them to receive the funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not even out of state. Please help, I am having financial hardship and need the funds now. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.
Product: Checking or savings account

After my mother 's passing in XX/XX/XXXX and the completion of the necessary paperwork by XX/XX/XXXX, funds from her savings account at Marcus Bank by Goldman Sachs were to be sent out to me and my siblings. My siblings in the U.S. received their checks without any problem. My check ( approx. {$40000.00} ) was to be mailed to my address in XXXX. On XX/XX/XXXX, a shipping label was created with a XXXX, XXXX, but according to the tracking info, the check was never delivered to the carrier. Since then I've contacted the bank several times asking for info on when the check can be properly sent. The bank informed me that the matter is under investigation, but as of XXXX, nothing has changed. I've received no explanation for what went wrong and no projected date for when the issue will be resolved and the check delivered to me.
Product: Checking or savings account

I typically get early deposits Wednesday afternoon. It didnt show up Wednesday, Thursday, or Today ( Friday ). I cant get in touch with them and I need my money for transportation to get to work and food to eat as well as rent approaching. They arent giving updates and I need access to that money
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing with deep frustration and disappointment after reviewing my credit report and discovering several fraudulent accounts resulting from identity theft. Among them is a XXXX XXXX, which I did not authorize. These accounts were added to my credit report without my knowledge or consent, causing significant damage to my credit. 

As a victim of the XXXX data breach, my personal information was compromised, enabling these accounts to be fraudulently created. Under 15 U.S. Code 6802, financial institutions are legally required to safeguard my personal information. Furthermore, 15 U.S. Code 6803 mandates that institutions clearly and transparently inform me of their data protection policies. These safeguards were not upheld, leaving my information vulnerable and misused.

Additionally, as provided by 15 U.S. Code 1681c-2, I have the right to have accounts related to identity theft blocked from my credit report. These accounts must be investigated and either blocked or removed within four days of receiving this complaint, as required by law. 

These fraudulent accounts are causing severe harm to my credit, preventing me from securing a home for my family, and adding unnecessary emotional and financial stress. I am requesting that you : Investigate these fraudulent accounts thoroughly. 
Remove or block these accounts from my credit report immediately. 
Provide written confirmation of the actions taken to resolve this matter. 
It is unacceptable that these fraudulent accounts continue to impact my financial goals due to the failure to protect my personal data during the XXXX breach. This issue demands your immediate attention to prevent further harm to my financial future. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX confirmed in writing that this account was removed from all XXXX major credit bureaus ( Experian, XXXX, XXXX, and XXXX ). However, upon reviewing my credit report, I was alarmed to discover that the account has reappeared on my Experian report. I did not authorize or consent to this account being reported, and Experian has blatantly failed to provide the legally required notice of reinsertion. This constitutes a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a reckless disregard for federal law. Experian violated 15 USC 1681i ( a ) ( 5 ) ( B ) by failing to notify me of the reinsertion within five business days, 15 USC 1681b by reporting the account without my written consent, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in its reporting. These actions amount to willful noncompliance, entitling me to statutory damages of {$1000.00} under 15 USC 1681n ( a ). I demand that this account be deleted from my credit report immediately. Additionally, I require written confirmation of its permanent removal without delay.
Product: Credit card

On XXXX/XXXX/16 I applied for American Express Platinum card with promotional offer of receiving XXXX MR points after spending {$3000.00} or more using the card within 3 months. I fulfilled the requirements and received XXXX MR points totaling XXXX points on my account. On XXXX/XXXX/16 the XXXX points disappeared from my account. On XXXX/XXXX/16 I have call the customer service, talked to XXXX and been told the account is under review and will receive explanation letter or call from American Express within few days. As of today I did not received any correspondence at all. 
Please investigation this issue and let me know. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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, US DEPT OF EDXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as XXXX XXXX XXXX XXXX XXXX, which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency XXXX XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from TransUnion that your agency XXXX XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.
Product: Debt collection

XX/XX/year> amount {$1400.00} I sent a letter to company for information on agreement purchase
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

TD Bank has charged an overdraft fee for a situation in which we make a check deposit minus " cash ''. If there is not a balance in your existing checking account ( pre-deposit ) to cover the " cash '' portion that you are taking from your deposit, they charge an overdraft fee. 
I understand that technically you are taking money off of a check that has not yet cleared so essentially you are taking withdrawal from you checking account but that is NOT explained to you at the time you are standing with the teller making the transaction. You do n't find out until you see the overdraft fee and call the bank to understand where its coming from. 
The complaint is regarding a deceptive practice. Its fine if the policy is as it is but it should be the teller 's responsibility to tell the customer that they do n't have the money in their checking account to cover the withdrawal so they can either choose to take it against an alternative account that has the funds or they can take a lesser amount so they do not incur the fee, otherwise they will incur the fee. 
TD Bank does not do that at the point of the transaction which is just a way for them to collect a fee.
Product: Credit reporting or other personal consumer reports

Recently, I requested verification of the method used to investigate the inaccuracies on my credit report. Unfortunately, I have not received a response from the credit reporting agencies. I believe that Experian, XXXX, and XXXX have conducted inadequate investigations into my disputes, failing to address them properly. This has caused significant financial hardship and led to missed opportunities. 
I am deeply concerned that my disputes may have been mishandled in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that credit reporting agencies conduct proper investigations into consumer disputes and provide clear and comprehensible results. Additionally, inaccurate or unverifiable information must be corrected or removed from credit reports promptly. 

In this case, the agencies have failed to meet their obligations. Therefore, I request the following actions : If the investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
I request written confirmation of the actions taken in response to this dispute, including details of any corrections or removals made to my credit report. 
I trust that the CFPB will investigate this matter thoroughly to ensure compliance with federal regulations and to hold the credit reporting agencies accountable for their obligations under the FCRA. 

Thank you for your attention to this matter. I look forward to your response and resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
Product: Credit card or prepaid card

I opened a travel insurance claim on XXXX. XXXX, on behalf of Chase, promises a review within XXXX business days. Despite uploading all required information repeatedly, today on XXXX, I received an email and voicemail requesting the same information again. Chase needs to instruct its vendor XXXX to meet the terms and conditions of its travel insurance benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

The lender has stated multiple reasons for a denial of this loan, including, but not limited to : denied for affordability, or not being able to create an affordable pmt for the loan, and that the client has multiple properties. The lenders reviews have not been consistent with the reason for the denial. the lender has also failed to provide detailed denial letters to the client or our office.