23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was the victim of fraud with XXXX. The thousands of dollars was charged to my PayPal Credit Account. I have spent countless hours on the phone with XXXX and PayPal. PayPal is not reachable, the phone menu goes in circles and ends up with over 60 minute hold times. On the rare occasion someone does answer the phone their accent makes it possible to understand them. I am unable to log in or use the app for the last several months. The website and app continue to give me error messages and will not allow me to change my password. I still have no idea what has happened after 9 months!

I do know that PayPal has reported me late to the credit bureaus 3 times as a result of this mess. I demand that PayPal remove all negative reporting.
Product: Credit reporting or other personal consumer reports

I have contacted Capital One multiple times regarding the account ending in XXXX. The account is now too old to be on my credit report. According to their information, which somehow differs from the statements Capital One themselves provided me Capital One claims my first delinquency was not until late XXXX I believe and therefore it will remain on my reports until XXXX. However, the statements they provided do not reflect that. I received a letter from Capital One stating that negative accounts will remain for XXXX XXXX  from the date of the first delinquency. Every time I call I ask if they can view my statements, but I am told they can not, and all they offer is to open a dispute. I have opened multiple disputes and they tell me if they need additional information I will be contacted, which of course never happens. There is not XXXX XXXX  delinquency they are missing but they are missing many not just the XXXX XXXX  I attached. In the XXXX letter, the first delinquency is more than XXXX years old. In addition, my credit reports regarding this account are consistently incorrect. In addition, an XXXX dispute shows they changed the earliest delinquency date yet did not change the Date of XXXX delinquency ( XX/XX/XXXX ) or the Date Major Delinquency XXXX reported ( XX/XX/XXXX ). How that was not changed is clear incompetence but how can the First Delinquency occur during the same period as the Major Delinquency? This makes absolutely no sense at all. And I have been fighting to get this corrected for over a year.
Product: Bank account or service

I was banking with Capital One 360, online banking since XXXX XXXX, XXXX and XXXX XXXX, XXXX, when I spoke with a Capital one 360 banking representive, " you can come and bank with us, if you have any problems with your old bank, which is XXXX, we will do a good job with your account ''. XXXX XXXX, XXXX, I transfered my Money in the amount of {$750.00} from XXXX to the Capital One 360 account. I could not believe or to my surprise the Capital One 360 online banking representives irlegally gave my money back to XXXX! Me as a Loyal Customer begin to make transactions, when I saw my Deposit get in to the Capital One 360 account, 75 % of my bills I requested Credits due to the XXXX Fraud, of trying to ir-legally take my Bill money and necessities money! XXXX Employee 's had ir-legally taking money from me before. XXXX XXXX would never put Fraud in a Mail Box. XXXX would let positive pay, go though by " your funds are here '', and than it would try to ir-legally get me to lose everything!!!! I have, so today XXXX XXXX, XXXX, I am filing a complaint against XXXX for Fraud, and Capital One 360 Online for no Fraud coming in to this account!!!!! When I worked as and in XXXX, I was the Employee, not the Employer!!! XXXX XXXX never put fraud in a mail box!!!! I do not know what Fraud looks like! XXXX!!! XXXX has a problem distinguishing Fraud? I would hardly believe that XXXX Employee 's has a problem distinguishing fraud!!! Meaning, they would do alot of ir-legally things, constancely trying to take money from me, I had XXXX on my registrar, I went into the XXXX XXXX Branch, when I had a correct balance, it may have been the year of XXXX, when my bank book correctly, when I was told by a Branch Manager at the XXXX XXXX XXXX Branch, " if you want to stay with XXXX Bank, we have to charge you, {$37.00}, you plus you have to pay have XXXX XXXX. I showed him my XXXX how well I well I balanced, meaning XXXX money was already there, when he ir-legally, started taking money from me stay them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

after I got an credit card my credit score was dropped by XXXX XXXX  and there is no explanation as to why my credit score was dropped by these many points and also when ai am logging on to my account I feel as though I am being cyber stalked because A Calculator pops up and i don't have or have I installed a calculator app on my laptop I know that I lost my wallet but I have been experiencing this type of cyber stalking since I lost my wallet I believe that some in my neighborhood or some one with in the XXXX XXXX XXXX XXXX that is cyber stalking my laptop given i lost my wallet while I was at home I have been reporting this incident as much as I can even now have this cyber stalking calculator in my tool bar nowI just want to know how I can stop this cyber stalking its not safe
Product: Credit reporting or other personal consumer reports

Today, I saw unfamiliar inquiries on my credit report, and Im baffled as to how they got there. When I checked, I was shocked to see these discrepancies, and refreshing my browser did nothing to clear them. This issue has left me feeling uneasy, and I am asking that the documents I provided be thoroughly examined to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX  These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I purchased a new 2024 XXXX XXXX in XX/XX/year> to address a critical need for personal transportation for myself and my children. At the time, we were in a desperate situation that required reliable transportation. My auto loan payment is {$750.00}, with an APR of 24 %. 

Due to unforeseen circumstances, I fell behind on my payments from XXXX to XXXX. During this time, I requested to have my late payments deferred to the back end of the loan. I worked diligently to catch up, and by XXXX, I was able to get back on track. 

Starting in XXXX, I set up a financial allotment of {$800.00} for my monthly payments. Since then, I have consistently made payments on time and in full. My XXXX and XXXX statements do not reflect any past-due amounts, further confirming that I have remained current. My payments are due on the XXXX of each month, and I have not missed or been late with a single payment. Also, my starting cost for the car was {$28000.00} in XXXX. And as of todays date XX/XX/year> XXXX I owe {$28000.00}. Is this considered preportory lending I am attaching my XXXX and XXXX statements for your review as evidence of my on-time payments.
Product: Credit reporting or other personal consumer reports

XXXX is still charging XXXX dollars for late fees, per the new law set forth by cfpb the amount that can be charged for lqte fees is XXXX dollars ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following XXXX accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Credit card or prepaid card

Applied on XX/XX/2022 and hard inquiry shows on XX/XX/2022. Associate at store said I would receive a letter in the mail as I was not immediately approved nor denied, they just need more verification information. I received a letter on XX/XX/2022 dated XX/XX/2022 stating they needed to verify my identity and to call ( XXXX ) XXXX and so I did. I verified myself was told congratulations as I was approved. Then immediately received an email about another hard inquiry by this same creditor on XX/XX/2022. I immediately called Synchrony Bank at the previous number and they told me it would not have been another hard inquiry. I advised I was looking right at my credit report and it showed XXXX hard inquiries on XXXX XXXX for the same thing. They told me to contact XXXX XXXX and they would correct it. Called XXXX XXXX at XXXX and they pretended not to be able to hear me and hung up. Therefore I am reaching out to CFPB to remove the XXXX hard inquiry from my credit report.
Product: Credit card or prepaid card

XXXX XXXX continues to charge my XXXX Store Card for many items that Ive already returned to XXXX. I have repeatedly contacted XXXX and XXXX XXXX regarding numerous issues with my account, yet XXXX XXXX   has not taken any action to remedy the situation despite their receipt of documentation establishing that I returned these items. 

More specifically, I disputed eight different transactions. All of these disputed items are recharges for items Ive already sent back to XXXX. XXXX  own website acknowledges that my returns are each in transit back to XXXX, and Ive already sent proof of this for each of the disputes. I can not be held responsible for the mail carriers delay in providing the returned merchandise to XXXX. Because I complied with all of my return shipping requirements, XXXX may not recharge me for any of these items. 

I sent this message, along with a Dispute Acknowledgement Form and accompanying print-out from XXXX website for each of the eight transactions, to XXXX XXXX on XX/XX/2018. I still have not received a response from Synchrony, but the charges continue to appear on my credit card statement. I am also continuing to incur interest on each of the transactions.
Product: Credit card

To Whom It May Concern : My wife and I recently came across a U.S. Bank advertisement promoting a " 0 % introductory APR on purchases and balance transfers for the first 15 billing cycles ; thereafter, a variable APR applies. '' With our impressivXXXX XXXX score exceeding XXXX, we were motivated to apply for the XXXX XXXX XXXX  credit card. However, after our application was approved, we were shocked to find that U.S. Bank had altered the terms, imposing a 17.34 % APR on both purchases and balance transfers, along with interest charges appearing on our monthly statements. Despite multiple attempts to reach U.S. Bank 's customer service, we were told that the 0 % APR on balance transfers was only valid for the first 12 months, which contradicts the original advertisement. Additionally, when we logged into our account to initiate a balance transfer, the APR still showed as 17.24 %. This situation raises serious concerns about potential deceptive practices and highlights the need for further investigation to safeguard customers from falling prey to such misleading offers. Thank you for your time and supports.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Deletion of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of information contained in my credit report. I have previously disputed the account : XXXX XXXX XXXX Account NumberXXXX twice, and on both occasions, the account has been verified as accurate. I am requesting a detailed method of verification for the information provided. 

Specifically, I would like to know the following : The name ( s ) of the person ( s ) or entity/entities the credit bureau spoke with during the verification process.

The phone number ( s ), email address ( es ), and physical address ( es ) of the person ( s ) or entity/entities contacted. 
Moreover, I have identified discrepancies in how this account is reported across different credit bureaus. For instance, the account is listed as open with Experian and closed with XXXX. This inconsistency indicates that there may be inaccuracies in the information being reported. 

Due to these discrepancies and the lack of consistent and verifiable information, I am requesting that this account be removed from my credit report. The inaccuracies are not only confusing but also potentially damaging to my creditworthiness. 

Please conduct a thorough investigation and provide me with a method of verification as outlined above. I expect a prompt response and resolution to this matter, as it is my right under the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I 've had the title loan with Advantage one credit for about 3 years now. It was almost paid off! I have agreed to a final payoff of {$1200.00} ( 3 payments ) in  XXXX  2017. The 1st payment was made.
Since then the car was wrecked and I have   XXXX   XXXX   and a settlement was agreed to.
The problem is that Advantage One credit that is on the title for the car has gone out of business and is no where to be found. Very disappointing since I need release of the title to get the settlement from   XXXX   for the car.
Advantage One credit is a   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   in Oklahoma. They have answered the phone but have not been helpful to this point.
 XXXX  is trying to get closed but will not until we get the title for the car figured out!
Product: Debt collection

I keep asking this company to verify this debt and provide accurate information on how this information was gathered to prove that it is my debt that is owed, but this company has yet to respond to the letters that I have sent them
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my being a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file.

Please remove the following accounts from my credit report : Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting 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.

List of Unauthorized 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  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

TomoCredit, Inc. 
Attention : Customer Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Action Regarding Failure to Report Payment History to Credit Bureaus Dear Sir/Madam , I am writing to formally address the issue regarding TomoCredit 's failure to fulfill its contractual obligations as outlined in your Terms of Service. In XX/XX/year>, I enrolled in your credit service, which explicitly stated that past payment history would be reported to the credit bureaus while also paying a higher price for expedited service. 

However, despite repeated attempts to resolve this matter through customer service and filing complaints with relevant authorities ( Arizona Attorney General, California Attorney General, and the Consumer Financial Protection Bureau ), TomoCredit has failed to uphold its promise to report this payment history, which has adversely affected my credit. 

1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The FCRA mandates that companies providing credit services report accurate information to the credit bureaus.

Relevant Section : Section 1681s-2 ( a ) requires that information furnishers must report accurate information to credit bureaus. 

2. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) This failure constitutes fraud and misrepresentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), California Business and Professions Code 17200, and the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ). As a result, I am seeking the following remedies : 1. Immediate reporting of my past payment history to the credit bureaus. 

2. Compensation for any financial harm incurred due to this failure, totaling XXXX for the two months I applied payments to your company for the service advertised that was not rendered. 

I have also requested arbitration from this business, but no response or contact has been made. 

I request that you address this matter within 14 days of receipt of this letter. Should you fail to resolve this issue within the specified time, I will pursue legal action by filing a claim in small claims court for breach of contract and/or fraud. 

Please consider this letter as a final opportunity to resolve this matter amicably before I initiate legal proceedings. I expect to receive confirmation from you within the specified timeframe. 

Thank you for your prompt attention to this matter. 

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

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I started an auto loan in XXXX of this year, with Fifth Third bank. The Federal Truth-In-Lending Disclosures that I signed stated the following : Annual Percentage Rate : XXXX % Finance Charge : {$14000.00} Amount Financed : {$56000.00} Total of Payments : {$70000.00} Total Sale Price including downpayment of {$14000.00} is {$84000.00} Number of payments : XXXX Amount of payments : {$1100.00} Monthly Beginning : XX/XX/year> With an interest rate oXXXX XXXX  % for a principal of {$56000.00}, financed for XXXX  months, I expected the monthly payment to be {$1100.00}. The payment of {$1100.00} is consistent with a XXXX % interest rate. They are overcharging me for this loan. 

On XX/XX/year>, when I made the first payment of {$1100.00}, the payment noted principal of {$600.00} and interest of {$570.00}. With an interest rate of XXXX %, I expected the first payment to consist of a principal of {$740.00} and an interest of {$420.00}. And with an interest rate of XXXX %, I expected the first payment to consist of a principal of {$730.00} and an interest of {$430.00}. They are overcharging me even more. 

I made payments consistently an on time. This whole time, their website and my account portal did not provide me with any monthly statements. 

On XX/XX/year>, I reached out to customer support via their chat function. I requested statements so I could look into this further. The agent, who identified as XXXX, informed me that they do not generate online statements for loans. They stated that the coupon book I received should have relevant information. They offered to mail me my payment activity, which I find rather useless. I asked XXXX for an amortization schedule and they told me that they do not offer this. I asked for an explanation for why the interest I was charged did not seem to reflect the XXXX % interest rate. They told me that my per diem interest rate is {$0.00}. I asked for clarification on that because that still did not add up, and XXXX responded that they do not do math for customers. I noted that an amortization schedule would have helped, and they again said that they do not offer this. XXXX then ended the conversation.