23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The last week of XXXX up until XX/XX/XXXX, Capital One has frozen complete access to my card 4 times. Of the XXXX, XXXX I have successfully verified EVERYTHING, and unfroze account now for it to be frozen AGAIN, this time for making a full payment on account. I then successfully verified payment, yet they will not unfreeze account without calling my bank again for the XXXX time this week. These a discriminatory practices based off my credit history and the account being new. Credit card companies generally have the authority to freeze a payment method under certain circumstances, such as suspected fraud, unusual or suspicious activity, or non-payment of the credit card bill. However, they must follow established laws and regulations when freezing a payment method. Some common rules and practices include : 1. **Fair Credit Billing Act ( FCBA ) : ** This federal law outlines the rights of consumers when it comes to billing disputes, including unauthorized charges. Credit card companies must investigate billing errors promptly and can not restrict the entire credit line for the disputed amount.

2. **Equal Credit Opportunity Act ( ECOA ) : ** This law prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because someone receives public assistance. Credit card companies can not freeze a payment method based on these protected characteristics.

3. **Consumer Financial Protection Bureau ( CFPB ) Regulations : ** The CFPB oversees and enforces federal consumer financial protection laws. They have regulations in place to ensure fair treatment for consumers when it comes to credit cards, including freezing payment methods.

4. **Card Issuer Policies : ** Credit card companies also have their own policies and procedures for freezing payment methods. This may include notifying the cardholder of the reason for the freeze, providing a way to dispute the freeze, and resolving the issue in a timely manner.

Overall, credit card companies must comply with applicable laws and regulations when freezing a payment method, and consumers have rights to challenge freezes that are unfair or unjustified. It is important to be aware of your rights and protections as a credit card holder.

They have cut off complete access to my account even after telling them numerous times I made the payments and having never had a returned payment, now any fraudulent activities on card. I would like my account unfroze and these practices to halt immediately before I file suit for discrimination, slander, and bias under the ECOA.
Product: Money transfer, virtual currency, or money service

an individual sent me a link to a brokerage that was a fraudulent copy of XXXX  and used it to steal XXXX dollars. The website was an exact copy of the real one its still up, listed at XXXX XXXX XXXX. I was told to transfer money into my account using XXXX XXXX so i could trade stocks but the website was just a way to capture the money it was not functional in any capacity for trading after i found out i could not withdraw my money. Once the money was deposited none of the withdrawal features took place. I contacted truist bank and in a chronological timeline showed all the screenshots of my transactions, messages between me and the scammer, his XXXX  wallet address, and him mocking me after the fraud was revealed. I have now filed a complaint to the FBI and have signed under oath my statement. This scam has XXXX XXXX XXXX XXXX  and caused XXXX because i have bills and family obligations and this money was wrongfully taken away from me. I can send the full report i sent the bank will all evidence if i am provided an email address to sent it to.
Product: Debt collection

I got an XXXX  XXXX at XXXX XXXX XXXX. On XX/XX/2022, I paid the {$62.00} owed after insurance. On XX/XX/2022, I received a letter informing me that my debt had been sent to a collections agency ( Quality Asset Recovery LLC ), despite the fact that I have already paid it.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$230.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT ANOTHER RECOVERY COMPANY HAS ALREADY COLLECTED.I DO NOT HAVE A CONTRACT WITH THIS COMPANY
Product: Vehicle loan or lease

I bought a Toyota XXXX. XXXX is a hydrogen car that Toyota sells with a discount, a state rebate, and a {$15000.00} fuel card. 

This fuel card was characterized to me as having 150 fill-ups while the price of hydrogen went down. That was the way for Toyota to incent the car purchase and protect the buyer from high fuel expenses. 

At the time, the card 's value was {$15000.00}, the price of hydrogen at the time was {$18.00} per Kilogram and the car 's tank had a capacity of XXXX Kilograms. So it was pretty close to XXXX tanks. They even claimed it could get close to XXXX miles of fuel. 

Since I bought the car, the price of hydrogen has not gone down at all. In fact, it has more than doubled. There are XXXX people in the state of California on the same boat. The number of tanks the fuel card holds has gone down by half, the car 's value is intimately tied to the card, and Toyota does nothing to at least make folks whole. It's a double financial whammy. The card 's value is halved, and the car 's trade-in value also keeps going down. Toyota is the single larges customer of this fuel in the state of california and its actions have an impact on every other player in the market. 

The real shame is that it's likely the hydrogen infrastructure will collapse, and the car be worthless. Yet, I still owe Toyota {$30000.00} for a car and a card whose purchasing value went down {$7500.00} in a year.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. 
The charge has been reversed, but I would suspect that this would happen to many consumers at the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry on my credit report. After reviewing my credit report, I believe this inquiry is inaccurate/unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I hold a checking account at truist Bank. And I was not receiving my monthly statement as normal. I went to withdraw money from the ATM and noticed a significant error on my account over {$5000.00} was missing from my account the very next day I went into the branch the moment opened and requested a statement that's when I discovered multiple another ice cream directions on my account which I did not authorize nor know about. Totaling in the value of {$5100.00}. Over 3 months worth of operations actions with multiple transactions in small amounts in the one day. The bank did not notify me nor did they put a freeze on my account no one tried to stop this from happening so I reported it to the bank fraud department and in lieu of the recitation they gave me a provisional credit of {$1900.00} not the entire {$5100.00}. Now the bank is telling me that in order for me to uncover the rest of my money I would have to file a police report. However I know for a fact that is in violation of Regulation E.
Product: Credit reporting or other personal consumer reports

Here is the translated text in XXXX : I am contacting you to dispute inaccurate information on my credit report under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with its duties. 

After reviewing my credit report provided by [ XXXX XXXX XXXX XXXX have identified information that I believe is inaccurate and must be investigated and removed immediately. 

Under the FCRA, you are required to ensure that the information reported is accurate and verifiable. Upon receiving this letter, I request that you promptly investigate this matter and correct any errors found. I also request that you remove any unverifiable information from my credit report and notify me of the results of your investigation within the legal 30-day timeframe.

It is important to note that under 15 USC 1681 ( o ), credit bureaus can be held civilly liable for negligence if they fail to comply with their legal obligations. If this matter is not resolved appropriately, I reserve the right to take the necessary legal action to protect my rights and my credit history.
Product: Payday loan, title loan, or personal loan

I emailed CheckCity on XX/XX/XXXX because the website would not accept my correct payday, but it had my withdrawal date a few days before I got paid. The customer service rep fixed the problem in their records to be withdrawn on XXXXXX/XX/XXXX, though if did n't show up on the website. They assured me about twice not to worry. <P/>I looked this morning, XX/XX/XXXX, and my bank account showed a negative balance of {$350.00} ( because I had a previous negative balance of {$58.00} until I got paid on XX/XX/XXXX). I had just perfectly figured out my finances for XX/XX/XXXX, so I was extremely upset when I saw this. This money was not supposed to be withdrawn until XX/XX/XXXX. I emailed to demand they fix this error and am awaiting a reply. <P/>I will never use CheckCity again!
Product: Debt collection

I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains and has just updated to paid instead of the deletion that I was told would happen.
Product: Student loan

I've been asking for 20 years for copies of all these promissory notes of all these loans but I never received not one supporting document with my signature. 
In 20 years a copy of the promissory note was never provided to me. All addresses they have are fraudulent addresses. 
There were never any payments on any of these loans because I have never taken these loans. For 20 years I've been asking for 20 years for copies of all these promissory notes of all these loans. 

However, I suppose it took it out they have not provided me in 20 years a copy of a promissory note they were never any payments on any of these loans because I have never took these loans they are helped for 20 years and every year I'm taking legal action AT THIS POINT ON THESE COMPANIES. 

For years of violating the fair reporting act and never validating these debts. Not verifying validating these debts are mine. They have never shown me one promissory note saying that I sign for any of these loans which they have accounts forans they are helping for 20 years report falsifying in accurate information
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I have an Amazon store card that I stated using in XXXX. I just noticed that I have been receiving a charge that I hadn't noticed previously when checking the card statement. Went back as far as it allowed which was to XXXX. Seems I've been charged a credit card security fee for a while now. Called them and found out I've been paying it since XXXX. The fee amount which is 1.66 % of the total every month. I tried to get a refund and they will only allow a refund of the last 12 months. I feel as if I've been secretly thrown into a credit card scheme that they can legally do to take advantage of people. I asked for a supervisor and they refuse to give me the entire refund. I checked online and many people have been noticing the same charge popping up on their synchrony cards. One person said they were able to get a refund of for theirs dating back to XXXX. This has me extremely stressed out, please help and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate, incomplete and erroneous information in my consumer report. I want information deleted.
Product: Debt collection

I used to have voice over internet with the carrier called XXXX now known as XXXX XXXX and about a year and a half ago I discontinued telephone service with them. However there was an incident in which I moved and in that move I lost a little box that was necessary to voice over telephone calling. The box was about the same size as a deck of cards. I contacted XXXX and explained that the little box had somehow gotten lost in the moves.They said that I owed them {$100.00} dollars for the box. I explained to XXXX that it was an honest mistake and due to me having to move twice in two months, that it was an mistake in which I had ultimately no control over the situation being that the movers were moving me and I explained that I could not afford to pay for the box and that since I was a loyal customer for four years I felt that they should have honored my reasons. I was never again contacted by XXXX. About a year later I began receiving harassing telephone calls from a collection agency stating that they represented XXXX and that they were trying to collect {$120.00}. I asked them what for and they said I owed them money for the lost box. I explained to the collection agency what the situation was and why I did not feel that I should be held responsible for a little lost box and that mistakes happen. I told them that I was filing a complaint. I recently reviewed my credit report and found that I have a collection item reported by the collection agency who supposedly was representing XXXX. I feel that this wrong being that XXXX never contacted me again nor tried to call and discuss the situation and for them to do this is really bad business after I had a legitimate and very logical reason for the issue. I would never deliberately NOT send a little box back to a company for no good reason. I think what XXXX did was wrong and I do not feel that I owe them anything. This is how XXXX treats it former loyal customer 's? I want the derogatory information that XXXX supplied to be removed from my credit report and I want the harassing phone calls to stop. I am requesting your help with this matter and please advise. Thank You. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX Account # : XXXX several times to the credit bureaus but I have not getting any response regarding the results.
Product: Mortgage

On XX/XX/2018, Wells Fargo mortgage apparently sold my home at foreclosure auction while I was in an active Chapter XXXX Bankruptcy which I believe to be a violation of the law. The also did so after assuring me that since I was in bankruptcy the sale would be stopped pending the adjudication of the chapter XXXX case. Since that time the " buyer '' has continued to harass me and demand that I leave my home. I do not believe the foreclosure sale was valid. I am still working through legal remedies for the situation but feel that the appropriate government agencies should also be made aware of this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to dispute these hard inquiries from my TransUnion credit report. I am a victim of identity theft and fraud. These inquiries are not mine. Please remove them from my TransUnion credit report as these are fraudulent inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>