23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed a dispute with Capital One in regards to a transaction that I made and never received the product. Capital One sent a letter stating that the company mailed out the product and that was all the proof they needed to make me pay for the item. I requested proof of me receiving the item. I did not receive a response and I need this transaction removed. I need proof of where this item was mailed to and I need this transaction removed since I have no product.
Product: Checking or savings account

Last Friday, XX/XX/2021. I reported to Chase bank about unauthorized transaction from my checking account. I spoke to XXXX, I was put on hold for 15 minutes, then I was transferred to a female, I repeated to her about my report that their is an unauthorized transaction in my account amounting to $ XXXX something. So she said, they will investigate and she acknowledged it, they will cancel my card and send me a new one. I said thank you. I was expecting my debit card be replaced right away. Saturday comes, Sunday and Monday. I called and followed up. Bec I used my credit card to gas up, but I was declined, found out that Chase banker cancelled also my credit card. Instead of my debit card only of which I only complained about my debit card, for that unauthorized transaction. I spoke to a male banker, & said they will replace my credit card. I was so disappointed that both my cards are on hold. I needed to gas up, and non of them works. I cant catch up with banking hours bec I m at work, gets out of work and bank is closed. I waited for another day. XX/XX/XXXX, Tuesday morning, I called again to follow up my debit card., I needed to send money to my brother for his dialysis and medications, but my debit card still on hold. I spoke to XXXX. She said my debit card was on hold and the replacement is was bit in placed. Which makes me more upset. I spoke to their supervisor, this is not acceptable. Its a negligence, I needed my card, for my money. I dont use XXXX XXXX bec I done trust it. My chase account is often encountered unauthorized transaction that I dont understand why it happened. So pls help me get a fair service, this chase bank should train their staff well. They should compensate. And Im so disappointed with their negligence. I am a XXXX who works hard. I know what it means to be responsible to my clients. So pls help me let them feel my disappointment and concern. I dont accept apologies.
Product: Debt collection

I requested over the phone, through email and with a hand written letter as requested by XXXXXXXX XXXX  delivered to them in person that they cancel the account I sit up for my sons as they hadn't used it in XXXX months ( account XXXX XXXX ). 

Well they didn't cancel the account and it resulted in more charges which I disputed with the bank. 

I had email conversations with the XXXX XXXX XXXX XXXX telling him what happened and what needed to be done. 

I then was sent to collections Aldous & Associates who are threatening in an email they will report me to the XXXX XXXX. I called them but they didn't want to listen to a thing I had to say so I told them to cease and desist or I will consult my personal attorney. They can send you an email to collect a debt but can't allow you to email them back? Seems like some unfair business practices! 

I'm a XXXX and make {$150.00} an hour and to date I have spent over XXXX hours of my time trying to get them to fix this mistake. 

They need to own their mistake, remove this balance and move on before I sue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for an XXXX XXXXXXXX XXXX XXXX  XXXX card. I was approved and received the card in early XXXX. When I had not received a bill, I called the customer service line and was told I had a payment due on XX/XX/year>. On XX/XX/year> I learned that they reported a XXXX late payment because my payment was due on XX/XX/year>! I never received a bill or any notification whatsoever that a payment was due. I feel this is unfair and XXXX  XXXX XXXX did not have my back as a consumer. I am paying off the card and closing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in response to my dispute number XXXX Experian response to my cfpb complaint stated. 

" The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( XXXX ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX '' This is 100 % false. 

The code in which they're referring to is 15 USC 1681c ( XXXX ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian has blatantly lied and it is unacceptable. 
No where does it state you have to file an complaint with an law enforcement agency. 
Ive satisfied all requirement by law. 

I believe this is an stall tactic, and they're now aiding XXXX XXXX bank in reporting fraud. 
Im demanding monetary compensation for the fraudulent account that they're voluntarily and knowingly without any proof are reporting on my file, even after the fact of me notifying them. 

Remove this account from my file asap!!
Product: Checking or savings account

On XX/XX/XXXX I paid for service to help find an apartment with two separate transaction to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$300.00} and another for {$150.00}. The person failed through to find me an apartment and block my phone number. On XX/XX/XXXX, I disputed these charge with my bank and explain to the that the person never provided the service and block me from contact them. The bank provided me with a temporary credit on XX/XX/XXXX and on XX/XX/XXXX the bank decided to reverse the credit they provided. Which mean that I paid for something that I have not received.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account # XXXX To Whom It XXXX Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To clarify this matter, please provide the following : XXXX. XXXX. XXXX. XXXX. XXXX. XXXX XXXX : The name and address of both the original creditor and the current creditor. 
XXXX XXXX : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( XXXX ). 
Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose of this claim. 
Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX
Product: Checking or savings account

Ive been a customer with Capital One Bank since XX/XX/XXXX, starting with a XXXX savings account. I kept this savings account from XXXX until XX/XX/XXXX. In XXXX, after purchasing my home ( in XXXX ), I withdrew funds from this account for home improvements. During my visit to the branch, the teller noticed that my savings account was an older version and informed me about the XXXX XXXX account, which offered higher yields. She explained there were no costs to set up the new account and transfer funds from the old one, and that it would only take a few minutes. I agreed, but I couldnt help wondering why they hadn't automatically moved me to the new account, especially since the old one wasnt available anymore. Why was this done as a courtesy to their existing customers who would not have know unless informed by someone in the bank. I had been maintaining average balances of at least {$170000.00}, and prior to closing on my home, I had over {$210000.00} in the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX  and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I'm unable to make a Principal Only payment through the website or the Mobile app. 

On the website, the option is not available. 

In the mobile app, the option is available, but disappears once I select a payment method. 

I called in to Customer Service XX/XX/2022 XXXX AM and spoke to multiple people. None of which could resolve the issue.
Product: Money transfer, virtual currency, or money service

They did not take the proper precautions and steps to insure that my information did get out. Many times fraud and scammers definitely took money from my account and in their words Oh Im sorry to hear about that REALLY? Then I was disconnected. These actions have cause me a financial loss. I seek appropriate action in this matter!
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 Bankruptcy 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.

Also, I have submitted the inaccuracies from XXXX and XXXX
Product: Debt collection

I have called a settled this dispute directly with XXXX XXXX but the collection company WILL NOT take it off my credit report! I have called MUTIPLE TIMES to get this removed with no results!

This is AT LEAST the third time I've tried to get it taken off. This is for equipment that has BEEN returned! I need this taken off as whoever was in charge of this collection should be fired for not doing there job.
Product: Vehicle loan or lease

I gave the car up for voluntary repossession due to the XXXX XXXX XXXX of XXXX  made all on time payments I payed the final pay off and due the FCRA with being XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report before I was even legal to sign up for a credit card. Now I have hard inquiries that I didnt authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father passed away XX/XX/2021. I was an authorized user on his Bank of America credit card. I notified Bank of America the same day that he passed. They inturn closed the account. Since that time Bank of America has reported a delinquency on my credit report for that card. I contacted bank of americas XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from Bank of America that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and Bank of America refuses to resolve the issue with me or give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with XXXX balance from the beginning because the accounts wasnt my creditors
Product: Payday loan, title loan, or personal loan

On XX/XX/19 a payoff amount was issued to TitleMax   by XXXX XXXX XXXX following a total loss on my Suburban after an auto accident in the amount of XXXX. 
On XX/XX/19 TitleMax  said that the check was in their possession but continued to delay crediting the money to my account and issuing any overpayments due me. I was told that the Store manager XXXX has to approve the transaction despite the check being made out to TitleMax. I believe that they are attempting to extract as much interest as they can up to the dollar amount of the check before they credit my account. This is fraudulent behavior and I now demand that the full amount be refunded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. COMMONWEALTH FINANCIAL {$580.00} 2. XXXX {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

I have been trying to refinance my property for several months now and have been unable to do since my current mortgage company will not send me a copy of my forbearance letter which is needed to refinance. 

I have requested this 14 times and every time they say they will send it. It has not ever been received. Several times I have asked to speak with a supervisor, and the lower level people I am talking with tell me they can not do that and the supervisors do not take calls?? If they get paid to service my loan the least they can do is send me a copy of a mutually agreed upon form that everyone in there organization can see on their computer screen, but now one has the authority to send it to me? I have been handed off to several different departments and am always getting the same story. 

This is a company with bad policies that are not consumer oriented. I have been requesting this form since XXXX, and I am about to lose my second rate lock in a market where rates have increased dramatically. This is costing me money and a whole lot of time! I am hoping you can help me on this simple issue that should not have turned into a nightmare! 

XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning, On Friday, XX/XX/XXXX, I received a call from XXXX XXXX from XXXX XXXX XXXX requesting a date and time where I can be served Court Papers. I thought it was a scam and asked who was suing me. She gave me a phone number I could call. XXXX is for XXXX and XXXX. I spoke with XXXX, who advised me I was being sued by CashCall for default on a loan. I honestly didn't remember a loan with Cash Call and XXXX wouldn't provide any information. I asked if I could get a copy of the loan documents, he said no. I asked how much I owed he said over {$6000.00}, due to late fees, interest and court costs. He also said I was going to court but wouldn't provide where, when and what time. I looked through my emails and didn't find any correspondence with Cash Call, I looked up an old email and found communication from back in XXXX. I apparently did get a loan, but the emails aren't clear if I paid the loan or not. I also couldn't find if I received a copy of the loan documents or not. I'm concerned because I am a widow, with a child and I can't afford any garnishments. I also haven't received any court papers from anyone. I'm reaching out to you because, obviously, CFPB had a case against CashCall, but I don't think it was in the state of California. Is there any information or help you can provide? Your prompt attention is greatly appreciated. 
Thank you
Product: Credit reporting or other personal consumer reports

Got an alert that someone added a debt to my name that I have no clue who this company is or what it is associated with. I pay my bills and never late on anything.