23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
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. 

Account name : XX/XX/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 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 card

On XX/XX/XXXX i was notified of a pending payment for {$440.00}. As my account balance was {$0.00} i did not authorize a payment for more than my {$0.00} balance. I was not expecting there to be a payment so I immediately called Bank of America customer service. The agent was not able to help me in any way. I asked for a XXXX call back which never occurred. 

I then contacted Bank of America XXXX office. A Bank of America XXXX XXXX XXXX  ( XXXX XXXX ) eventually said she would expedite the return of my money. She indicated standard returns can take 10 days or more to return my money and that an expedited " return would return my money much quicker. '' When I asked what Bank of America is going to do for overdrawing my account and for keeping me without my money for more than a week, she indicated Bank of America would do nothing. After expressing my dissatisfaction and her not doing anything, i chose to remain silent. Rather than being rude or cursing at her i figured it was more polite to just remain silent. She then proceeded to accuse me of wasting her time.I find this extremely insensitive given the number of hours I have spent on the phone or emailing Bank of America customer service without.Compensation for my time. XXXX XXXX was getting paid by Bank of America. I was getting nothing for the inconvenience and lost interest because of BOA 's actions and now I was being chastised by their XXXX XXXX XXXX for wasting her time. 

I asked XXXX to have her XXXX ( XXXX, XXXX ) called me. Her XXXX said my money would be returned to me soon and to let her know if it was not in my account within a few days. My money has not been returned to my account as of now which has been more than the 10-day standard return and this was supposed to be expedited. 

I left XXXX voicemails with XXXX, and XXXX emails with no reply. 

In short Bank of America took an unauthorized payment from my account when there was {$0.00} due, agreed that their billing system is confusing, has accused me of wasting their time, Had me without my money losing interest, falsely promised and expedited return, and will now no longer return any of my email or phone calls while also previously stating they will not compensate me for all of this. 

. You can listen to all of these recorded phone calls and view my written correspondence.
Product: Student loan

I spoke to Navient representative XXXX. XXXX on XX/XX/2019 at approximately XXXX EST. The  beginning of the call went well ; however, when I expressed that the options given to me were not feasible. The representative soon became very rude and abrasive. The representative soon begun to mention threats towards me and mostly my mother. He made it seem as if he was the end solution in all matters. I am appalled at the lack of professionalism that was displayed in the call, I mentioned the time and date of the call so that Navient may pull up the call and hear the recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : Equifax INQUIRY XXXX XXXX XXXX XXXX Late XX/XX/2021 I DID NOT AUTHORIZE THIS REPORTA SO CALLED FINANCIAL BROKER NAMED XXXX XXXX MADE THE INQUIRYWITHOUT MY PERMISSION I CALLED THE THE XXXX XXXX FIRST THEY DID NOTHING I MAY JUST SUE THEM IN MY LOCAL COURT I HAVE BEEN TRYING TO FILE A COMPLAINT WITH EQUIFAX OVER SEVERAL MONTHS THEY WILLNOT ALLOW ME TO LOG IN TRY AGAIN LATER I DEMAND A REMOVAL OF THIS INQUIRY 2-XXXX XXXX XXXXXXXXXXXX XXXX THIS " BROKERAGE " SENT ME TO THE " CHECK YOUR OFFERS WITHOUT AFFECTING YOUR CREDIT SCORE '' THAN DID AN INQUIRY SAME DAY ITS ON MY REPORT I WAS BAIT AND SWITCHED-THE CREDITS OF THIER FRAUDULENT SOAP OPERA OPEN WITH " NO EFFECT ETC '' I DEMAND REMOVAL AND DID NOT UNDERSTAND THE VERY VAGUE FINE PRINT
Product: Money transfer, virtual currency, or money service

Let me first demonstrate the landscape, the canvas that has been existant for several years now and repeatedly shown in CFPB complaints towards both Capitalone & XXXX ... 

CapitalOne ; a financial institution ; has a combative relationship with XXXX ; a financial institution ; and because of an obvious behind the scene grudge, animosity.. the consumer is damaged, harmed and suffers repeated problematic situations needy of babysitting matters where the banking institution is to remedy, seamlessly and without consumer intervention as a practice. Cap1 can research and find I've had 2 accts with them and the first was short lived when I discovered this behind the scene combative relationship only to discover it was not the specific card, program or theme of the credit line ; but rather followed over to the current Cap1 '' Buy Power '' card/program ... It was this animosity that had me leave the first Cap1 offering, evidencing the longevity of the existing problem. 

XXXX Now for the current chapter of this problem .... 
Because of this existing relationship, XXXX can not /willnot establish a digital bill pay relationship ; as it does with all other financial institutions and other large companies and Cap1 must be paid with alternative method, a check cut and mailed by XXXX   personnel. This issue, distinction of online billpay has always created lengthy delays in payment to Cap1 and has been the source of several complaints regarding an assortment of burden to me as a consumer. Upon immediate need for payment to secure a specific balance adjustment, I've been forced to deviate from XXXX 's bill pay and must go directly to Cap1 and make payment there by some sort of digital transfer directly from my checking acct. 

In my defense, XXXX does have a deficiency showing the option for me to put a hold on those funds after this snail mail check payment vs the immediate pull from the acct that normally occurs and the available balance is reduced from the digital payment.. 

Currently, Cap1 has a check in hand and is refusing to apply the funds to my account and creating further frustration, seemingly as a retaliatory politics to alienate XXXX customers, XXXX flinging as XXXX  does in return with me in the middle. 

I'm sick and XXXX tired of this XXXX, ya 'll grow the XXXX up and treat each others customers ( whom are also your customers ) with respect and timely handling of their financial matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX Credit Reporting company that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.
Product: Credit reporting or other personal consumer reports

I found the following improper hard inquiries on my credit reports. Specifically, there are duplicate hard inquiries for pre-approved mortgages : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Equifax mortgage service XX/XX/XXXX Equifax mortgage service XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX There are duplicate hard inquiries for pre-approved car loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are unnecessary hard inquiries for pre-approved credit card applications : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

Chase Bank will not accept my cash payment for my credit card. They want me to go and buy an I.D . or buy a money order from them. I have no job and can not afford either and the time before they charge me fees is too soon anyway. I 've spoken with an executive at the head office for credit cards. This will ruin my credit report and my future. Please help me! My name is XXXX. I 've tried all that I can do Reach me at : ( XXXX ) XXXX They will not respond to me even after I 've written a dozen times!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report accuracy dispute process does not allow for a dispute in regards to improper handling of credit inquiries by the agency. It is my understanding that the CFPB requires agencies to consider multiple mortgage loan inquiries within a 45 day time period to be classified as only a single hard inquiry. Equifax has both of the following inquiries noted as separate hard inquiries even though both are for the same mortgage loan.  One  is from  XXXX  and the other from   XXXX   XXXX   XXXX   XXXX  . I can not dispute this directly with them as their process only addresses individually reported items, not classification errors.      EQUIFAX CREDIT IN QUIRIES  XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX /  XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific unauthorized accounts and inquiries on my credit report following a recent data breach, which exposed my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent and unauthorized accounts promptly removed from my credit report.

The following accounts are unauthorized and should be blocked and deleted : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Additionally, please block and delete the following unauthorized inquiries : XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Last year I started an account with XXXX  for virtual currency transactions and trading After a short while a company approached me online claiming to be a bitcoin day trading platform with XXXX, that could guide me into bitcoin day trading, to gain profits as the markets allows us to do so. 
Their platform checked out and it looked like a legit business to start trading virtual currency XXXX was the website for their trading platform. 
I trusted them cause they got my information from XXXX and theyre a serious well respected platform, but it turned out to be a state of the art scam and I lost a lot of my money, I need help to recovered those funds.
Product: Debt collection

On XXXX of this year I had made a payment arrangements for southwest Credit to take payments on the behalf of XXXX XXXX and something happened and the payment didn't happen I sent in checks totaling {$300.00} to them on XXXX and first told they didn't receive my payment then when I had XXXX XXXX the actual debtor call and southwest told the representative that the checks were going to be sent back to me I called and were told and confirmed that my check were in the mail now XXXX giving me until the XX/XX/XXXX to make the payment and southwest said on XX/XX/XXXX its mailed to my P. O. Box address I provided but now to be told my check were mailed to another address the priority mail XXXX XXXX XXXX XXXX XXXX XXXX United States postal service
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX  I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been doing multi inquiries on credit report. I have not authorized Capital One to due any inquiries on my behalf. Three times month is unnecessary.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously attempted to resolve these violations through direct communication with the company. As these infractions persist and clearly violate my legal rights, I am entitled to statutory damages of {$1000.00} per each documented violation listed above. The company must either provide appropriate compensation for these violations or immediately terminate and remove these accounts. Prompt action is required to address these matters.
Product: Checking or savings account

I have a Billpay setup with Bank of America ( BoA ) for payment of Homeowner Association fees to XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/year>, a withdrawal of {$170.00} for the XXXX HOA bill was debited to my account and the check was mailed to XXXX XXXX XXXX XXXX address in XXXXXXXX XXXX. 

Along the way, even though this check was clearly marked " To the order of : XXXX XXXX XXXX XXXX XXXX ''. an association, XXXX XXXX XXXX XXXX XXXX XXXX '', which has nothing to do with XXXX XXXX XXXX cashed this check through their XXXXXXXX XXXX account XXXX. 

For the past one year, I have been asking Bank of America to refund my money since the fault was not mine, but the Bank refused, saying that my money can not be refunded unless XXXX refunds the fund. 
This is a crime in the first place, cashing someone's check. 

Attached, please find all the communication with the BoA. I need your intervention.
Product: Mortgage

I paid off my mortgage in XX/XX/2010 through Chase. It was paid in full. I am a victim of identity theft and fraud and because it was so bad I have address confidentiality through the attorney general. All my mail goes to them in XXXX. The reason I'm contacting you is that someone has removed all my positive credit from my credit report including the pay-off of my mortgage through Chase. I have spent countless hours calling companies due to charges that I didn't make. It has affected me tremendously. I can't get a loan of any kind.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied and was approved for a Chase Sapphire card. within a few weeks I received the card. I had not yet activated the card as of XX/XX/XXXX. On XX/XX/XXXX, I received a statement from Chase stating I had an outstanding balance which is the {$95.00} annual fee plus late fees with a due date of XX/XX/XXXX. Apparently the interest which was originally billed XX/XX/XXXX and due on XX/XX/XXXX however until todays date XX/XX/XXXX I never received any billing statement from Chase, never received an email to my email address which is on file reminding me of the billing statement but I do receive promotions there and I never received a paper billing statement. On the same day XX/XX/XXXX I received a notification from XXXX XXXX that there was a change and an account listed was closed. I contact Chase to Explain, they gave me a run around, transferred me to 3 different departments, would not allow me to speak to a supervisor and did take my complaint over the phone with no further resolution offered. During this worldwide pandemic COVID-19 they are offering delayed payments for Chase customers however that was not the resolution I was seeking. I was requesting due to the fact and no fault of my own to re-instate my account and allow me to pay the annual fee and waive the late fee so this would not negatively impact my credit rating which has drastically dropped by 30 points. They would not even extend a courtesy to me being a first time customer.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX BANK XXXX - XX/XX/XXXX
Product: Checking or savings account

I signed up with Wells Fargo along with my son to get the {$250.00} incentive when opening an account and use it 10 times. After I signed up and used it 10 times, I noticed they did n't put {$250.00} in my account ( but my son already got his {$250.00} ). I wrote a message and was told " When a promotion has been credited, customers will see them on their accounts. Without a   XXXX   on file, the incentive can not be applied. '' So I went to the local Wells Fargo branch to submit my  XXXX , weeks later they still said never received, until they called the branch to realize the branch did n't submit it  XXXX  even though they had in their possession. After that they said it would take another 5 business days ( this was  XX/XX/XXXX  ), on  XX/XX/XXXX  I wrote another message only to find out they have no idea what is going on and " have escalated and will take another 14 business days to find out in a letter ''. It is now  XX/XX/XXXX  and Wells Fargo says ( " bonus not posted because I am not " targeted '' ), which is completely false information, and makes no sense if that is true as my son already got the {$250.00}, also the fact they keep asking for more information for no reason. I would like the {$250.00} to be applied to my account or I will have no choice but to take Wells Fargo to small claims court
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX