23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A charge appeared on CapitalOne credit card that I did not make. Received email from CapitalOne asking if it was valid. I told them it was not. They told me to get the merchant to get it removed. When merchant did not, CapitalOne told me to prove it was not mine. I did so. Then CapitalOne sent me a letter telling me to " get a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. '' If I did not send that to CapitalOne along with many other requests already provided, the case would be closed.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing in response to your recent email regarding the reporting of the following accounts : XXXX XXXX Account # XXXX : Original balance {$20000.00}, charged off and sold to another lender. 

XXXX XXXX Account # XXXX : Original balance {$4000.00}, charged off and sold to another lender. 

XXXX XXXX has provided me with documentation confirming they are the lender that purchased both accounts from XXXX XXXX Bank. These documents include : A letter on XXXX XXXX letterhead confirming the purchase of the accounts and settlement. 

A notarized Affidavit of Sale from the XXXX XXXX - XXXX of Indiana, verifying the transfer of ownership of these accounts. 

A XXXX Form issued by XXXX XXXX XXXX which shows the debts were cancelled following their settlement. 

Copies of these documents are attached for your reference. 

Despite these facts, XXXX XXXX continues to inaccurately report to the credit agencies that these accounts are " charged off and sold to another lender '' without acknowledging their settlement status. This inaccurate reporting has caused significant harm, including : Defamation of character.

Loss of financial opportunities over the past two years.

Emotional distress due to the ongoing dispute.

Additionally, your continued actions and inactions appear to violate several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681s-2 ( a ) ( 1 ) : Furnishing inaccurate or incomplete information to credit reporting agencies. 
15 U.S. Code 1681s-2 ( b ) : Failing to investigate and correct disputed information.

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692e : Using false or misleading representations in connection with the collection or reporting of a debt.

Fraud and Privacy Violations 15 U.S. Code 1681q : Obtaining consumer information under false pretenses.

18 U.S. Code 1038 : False information and hoaxes, causing harm by perpetuating false reporting.

Other Consumer Protection Violations 15 U.S. Code 1691 : Discrimination in credit transactions if your practices are shown to disproportionately harm certain consumers without justification.

To resolve this matter, I demand the following actions : Immediate correction of the inaccurate information reported to the credit agencies. 
Written confirmation that XXXX XXXX has updated the credit agencies to reflect that these accounts were sold to XXXX XXXX and subsequently settled in full. 
Compensation for the financial and reputational damages caused by your inaccurate reporting. 

Failure to address these violations promptly will leave me no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will explore legal options to seek compensation for the harm caused. 

Thank you for your immediate attention to this matter. I expect a response within 15 days of receipt of this email. 

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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Vehicle loan or lease

I have recently ( XX/XX/2022 ) taken delivery of a new XXXX XXXX XXXX. I am leasing this vehicle through Tesla XXXX XXXX ( XXXX ). Yesterday I received my first invoice with my first payment of {$550.00} due on XX/XX/2022. As I reviewed the invoice for remittance information to establish an automated payment via my banks bill pay service I realized this was not an option and that I would be XXXX to Teslas process which gives me only 2 payment options BOTH of which require me to disclose my bank account information. It is not in my best interest to disclose this information and I have never done so lightly. Further, I have reviewed my lease agreement and it makes no mention of this practice. 

As a business minded individual, I can appreciate the minimization of payment risk and predictability of cash flow that this policy establishes for their business, however this is not a consumer friendly practice and definitely not friendly to someone with a long history of paying my bills on time ( as evident from the hard pull of my bureau file in the assessment of my creditworthiness ). I object to the notion of being forced into disclosing my personal bank account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continuously and falsely verified this alleged account. XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because XXXX is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Checking or savings account

As of XX/XX/2022, TD Bank changed my savings account and started to charge a fee of XXXX dollars for transfers. I have never approved a change of my account and have never been charged the XXXX dollars. Its been close to XXXX dollars in total that they have taken from me. I would like to get that money back. I have had this account for XXXX  years and only recently did they start to charge me, because of a change in my savings account that i was never made aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to the debt collector on XX/XX/2024 disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine or that I am the rightful party that owes this debt. I also mailed a letter to all XXXX credit bureaus on XX/XX/2024 asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from report as the law states it should.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX '
Product: Debt collection

In XXXX I was reviewing my credit report and saw that there was a debt that I did not recognize as mine. The alleged debt claimed that I allegedly owed {$1100.00}. I wrote a letter requesting validation from XXXX  Credit Bureau regarding this alleged debt. However, they did not validate the alleged debt according to the opinion written by XXXX XXXX XXXX of the FTC, nor to my satisfaction. I then wrote a letter to the collection agency, LVNV FUNDING LLC requesting validation of this debt with the same expectations that I wanted from XXXX. They in turn turned the letter over to Resurgent Capital Services. On XXXX, XXXX, I received a brief letter stating the debt was validated by issuance of a preprinted bill. This was not sufficient nor did it meet the FTC criteria. I in turn wrote a letter dated XX/XX/XXXX stating that this did not validate this alleged debt. 

Today is XXXX, XXXX, XXXX and I have yet to hear back from Resurgent with any validation to this alleged debt. In addition, they are still reporting this alleged debt without accurate validation. 

I am enclosing the information in the above aforementioned complaint.
Product: Checking or savings account

One of my checks was intercepted in the mail and partially washed and passed off at XXXX XXXX XXXX for {$11000.00} and cashed. I discovered the problem XX/XX/XXXX. I Moved most of the money out of the account into a new account and I have been waiting ever since for my financial institution to make it right. I have probably called 20 times to the institution to try to get an update and they just tell me its under investigation and refused to give me any more information. XXXX XXXX XXXX  knows who committed the crime, when they did it, where they did it, and what the amount was. My bank is SunTrust and has given me very very little customer service. The firstPhone call they made to me was over 40 days after the incident
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status. 

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!
Product: Credit card or prepaid card

My issue is with paypal credit ( synchrony financial ). After years of paying automatically on the same date I noticed after two moths my due date was changed to two days earlier without notice. I have never received notice about this and also received two late fees before I noticed and closed my account,
Product: Credit card or prepaid card

Hi, my TD bank debit was stole by someone on ATM machine about {$740.00}, when I received the fraud alert message from TD bank I press NO immediately and I called bank to stop my card and I went to local office next morning cause the money was stole by XXXX and I need at home to take care my baby. So morning time they told me this 2 transaction was pending and they cant do dispute now, so after couple days I went to bank again because the money was proved and was gone from my account. After 3 weeks I did not get my money back I did not get any notice from bank so I have to go to bank again, and this time they told me my request was deny because the stoler use my correct PIN number so they can not do anything for me. 

And also someone stole my information to apply for XXXX  XXXX credit card which I never apply for before, I call to cancel this card already but I dont want this will affect my credit
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly remove the following accounts : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed:XXXX XXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX  Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TXXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX   Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX   XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX Experian XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it.

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in the following inquiries. Below is proof That somehow my information was given without my authorization. 

Fraudulent inquiries that appears on my consumer credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the following inquiries are fraudulent needs to be deleted and removed from consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) dut to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) wnd regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

In XX/XX/XXXX I bought this property in XXXX, XXXX. We owned a home in XXXX, but this was going to be our retirement home.The 30 year fixed mortgage was with XXXX XXXX at an interest rate of 6.875 %. When Countrywide went under the mortgage was picked up by Bank of America.With the housing collapse in XX/XX/XXXX-XX/XX/XXXX we couldn't sell the XXXX house ; we were paying on both mortgages. I was still employed by XXXX XXXX, but was " retired '' in XX/XX/XXXX. The XXXX house finally sold in XX/XX/XXXX, at which point we tried to refinance the XXXX  property.The 1st result was they agreed to a short sale, which we rejected. In XX/XX/XXXX we applied for a loan modification, which they made extremely unpleasant. In XX/XX/XXXX they approved a loan modification, decreasing the interest rate from 6.875 to 6.75 % .They said they couldn't change the term-18 years left, but we should pay the new monthly payment and at the end of 18 years we would owe them a final payment of {$750000.00}. So, in addition to a usurious interest rate, this would increase our total payments to them over the 30 years by another {$250000.00}. I'm XXXX, XXXX  military ( 23 years XXXX ), and have no income other than my XXXX   military XXXX, my social security, and disbursements from my 401K. The balance on the mortgage is {$820000.00}. I was hoping to achieve a reasonable interest rate and would have preferred a 15 year mortgage.Any help would be greatly appreciated