23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for PDF Version of Credit Card Application Reference Number : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request a PDF version of the credit card application form for Discover Financial Services. As an individual interested in applying for a credit card from your esteemed institution, I would greatly appreciate receiving the application in electronic format for my convenience. 

I understand that the traditional method of acquiring a physical application form is available, but due to personal circumstances and the convenience offered by digital platforms, I kindly request the provision of the PDF version. This will allow me to complete the application process efficiently and in a manner that aligns with my technological preferences. 

Please find enclosed all the necessary information to authenticate my request, including the reference number mentioned above. I assure you that this request is solely intended for personal use and I will treat the provided PDF application with the utmost confidentiality and responsibility. 

If possible, I kindly request that the PDF application be sent to the following email address : [ XXXX ]. This will allow me to access the document promptly and proceed with the application process. 

I would like to express my gratitude in advance for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your understanding and cooperation. I look forward to receiving the PDF version of the credit card application. 

Yours sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including a copy of my signature or electronic signature, for any unauthorized inquiries.

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

Under the FCRA, XXXX is required to investigate these disputed items and take appropriate action, including deletion or blocking, within XXXX business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for reference.

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.
Product: Mortgage

We had a home that was foreclosed on back in XX/XX/2012, and we are no longer in possession of the home. To this day, BMO Harris is still calling our son, XXXX XXXX, and leaving messages on his voice mail about collecting monies owed on this debt. Our son was not involved in the financing of this home in any way, and has nothing to do with this mortgage. It is illegal for them to be contacting him about this debt. We never gave BMO Harris his name or phone number as a contact. It is completely illegal what they are doing.
Product: Checking or savings account

I already answered these questions and had sixty days to upload documents. Case XXXX was closed before the sixty days. Please refer to this case number.
Product: Vehicle loan or lease

Suntrust Bank - XXXX continues to lie to the CFPB and myself. I will attach my Credit Score from XXXX, as you will see it has not dipped below the XXXX mark and on XXXX XXXX, 2017, the date of their inquiry it was approx XXXX, not a score of XXXX as they claimed to the CFPB and myself. They flat out lied. Furthermore their basis of rejection was I believe in violation of discrimination on my discharged Ch XXXX, again they claimed I was still active in this, I was discharged, case is closed.
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 : XXXX XXXX Account Number XXXX has violated my rights. 

XXXX5 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 XXXX 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
Product: Debt collection

Resurgent Capital Services keeps calling at all times about a debt that is not valid under different names XXXX XXXX/ Resurgent
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX And Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Pre- Arbitration demand notice Amount ; XXXX XXXX XXXX I am writing to you as a consumer who has been wronged by the actions of XXXX and Sequium Asset Solutions LLC . I believe that XXXX and Sequium Asset Solutions LLC have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, which has caused significant harm and damages to me.

15 USC 1692C ( c ) that states that debt collectors must stop contacting a consumer if the consumer asks them to in writing. Which was done on XX/XX/year>. I have continue to get emails which I am entitled to receive XXXX per violation the sum of 4 emails. 

I allege that XXXX and Sequium Asset Solutions LLC have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer financial harm and emotional distress. Moreover, they have failed to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I have also been made aware that the underlying contract contains a binding arbitration agreement, which requires disputes to be resolved through arbitration rather than litigation. I intend to enforce this agreement and pursue arbitration in accordance with the terms of the contract and applicable law. 
Based on the above, I demand the sum of {$5000.00} in compensation for the harm and damages suffered as a result of XXXX and Sequium Asset Solutions LLC wrongful conduct. 
I urge you to take swift action to resolve this matter, as I believe that it is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. 
Thank you for your attention to this matter, and I look forward to your prompt response. Please be aware 10 days from the date of this letter if resolution had not been agreed upon based on this dispute a case will be filed with XXXX arbitration. 

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

XXXX XXXX XXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to XXXX XXXX Experian, and XXXX XXXX these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.
Product: Credit card

This complaint in relation to a Credit Card account with XXXX XXXX. 

I requested to close the account back in XXXX of XXXX. My records show that the account was closed as of XX/XX/XXXX. I then received a notification that late payments had been reported on my credit report in early XXXX. They stated the account was Levied with a {$2.00} interest charge dated for XX/XX/XXXX. After back and forth disputing with them, I paid the now additional interest that accrued on the {$2.00}. that total was now {$100.00}. I paid that amount on XX/XX/XXXX. I requested that the account be closed immediately. I was assured it would be closed. I was then issued a {$2.00} refund on XX/XX/XXXX. However, today I received a notification from my credit monitoring company that a new account had been opened and that there was a reported balance of {$2.00}. I logged back into the system and see that here is now a Minimum Interest charge added, dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to my previous complaint filed - # XXXX. At the resolution of that complaint XXXX was suppose to remove the incorrect information and send me a corrected copy of my credit report. When the company could not prove the validity of the account information, XXXX  removed the information from my credit file. I pulled my credit report today to find the account has been placed my credit files for Transunion and XXXX. So if you can't get in through one door, you try another! Really! So we are back where we started in the initial complaint. The collection agency has not proven the validity of the account and I have adverse and inaccurate information on two of  my three credit files. Something needs to be done about these ruthless collection agencies that prey on innocent people. XXXX, XXXX needs to be closed down if they are not willing to do their job within the realms of the law. I am sick and tired of having to keep fighting off these vultures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against XXXX and TransUnion for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and TransUnion violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my complaint is regarding the unauthorized reporting of bankruptcy on my consumer credit report and/or credit file, which I did not consent to nor was I properly notified about. 

Violation Details : It came to my attention that both XXXX and TransUnion have listed a bankruptcy on my consumer credit reports. This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit, and it has caused me undue stress and financial hardship. 

Previous Attempts to Resolve : I have previously attempted to resolve this matter directly with XXXX and TransUnion, but to no avail the issue was not resolved Despite my efforts, the issue remains unresolved, and this information is still present on my credit reports. 

Requested Resolution : I respectfully request the CFPB to intervene and facilitate the removal of the bankruptcy information from my credit reports maintained by XXXX and TransUnion. Additionally, I seek assurance that such errors will not recur in the future and request to be informed of the steps taken by these credit reporting agencies to correct this issue. 

I trust that the CFPB will take my complaint seriously and assist me in rectifying this situation as swiftly as possible. I look forward to your response and am hopeful for a favorable resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2013 my car was rear ended and totaled in an accident at the other drivers fault. My insurance company ( XXXX XXXX XXXX XXXX. located in XXXX XXXX. ) paid the vehicle off as the other parties insurance was giving me a hard time about the fault which was later determined their fault. I sent over the documents from XXXX  XXXX that showed the loan/account ( Nissan motor acceptance ) was paid off & closed at {$0.00} being owed & still a different company reports a balance being due.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an airline ticket through XXXX for a flight to the XXXX. An authorization was placed for the full amount, XXXX through PayPal, reflected in my PayPal balance. 

On XX/XX/XXXX, I canceled the trip. As it was in the 24 hour period, it was canceled and I was told I would be refunded/not charged via XXXX. This was confirmed via email. The authorization hold was instantly released, and my money was reflected to be back in my PayPal. 

On XX/XX/XXXX, after the authorization had already been canceled and the money had been refunded, I noticed a charge in my PayPal account in the full amount of the flight ( which had already been canceled and the authorization revoked. This was a brand new transaction ). I contacted PayPal via chat and was told that this would be refunded. The amounts were for {$370.00} from my PayPal balance and an attempted XXXX from my that did not go through. 

XX/XX/XXXX, my PayPal balance was refunded. 

XX/XX/XXXX, the airline attempted to collect the XXXX again. It was denied from my bank and instead created a negative balance in my PayPal balance of XXXX. Retrieval was attempted through my XXXX XXXX  account three times throughout the following week and I was told this would be the end of it. During this time, every time I attempted to contact PayPal or dispute the transaction that caused the negative balance, I was met with an error page each time that would not allow me to access the page. 

Days later, a payment I had received prior to the incident totaling XXXX posted, bringing down my PayPal negative balance to -XXXX. 

XX/XX/XXXX, XXXX was retrieved from my bank account without warning for this amount that had been unauthorized. 

XX/XX/XXXX, this amount posted, creating a surplus of XXXX in my PayPal account. Again, any attempt to collect on this amount created an error. I was not allowed to touch or access my money, as my methods of withdrawal were denied and my account had been limited, meaning I could not use PayPal to pay online.
Product: Debt collection

I have recently received a bill from MBA Law Firm located in XXXX, Texas. The bill claims I owe {$5600.00} to a current creditor called XXXX XXXX. It also states the previous creditor was XXXX XXXX. 
I spoke with a female, " XXXX '', who claims she is a debt collector with the above stated law firm. She advised me that I owe the above stated amount due to lab costs approved by my doctor. I spoke with my doctor and his business manager who both told me that it was a scam and I did not owe anything. 
This " Law Firm '' claims the date of service of the bill was XX/XX/2018 but I have never been contacted, or so much as received one bill from them. So they waited 1 year and 6 months to send this letter and are only allowing me 30 days to resolve it or they would report it to credit reporting agencies. 
" XXXX '' couldn't give me any specific information about the bill and gave me a bogus number to call. She claimed the number was a patient advocacy line but I cant get anyone to answer. 
I am a hardworking citizen who has worked years to build my credit to where it is. I don't even have ONE late payment on my record. This bogus bill for {$5600.00} would truly devastate my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank XXXX : I was not late with making the payment. I made the payment online and it kept kicking me out of the confirmation site. I called the company and they confirmed that my payment did in fact go through.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies. 

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called TransUnion. They ( XXXX XXXX say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with XXXX. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the XXXX is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to Experian for the account XXXX XXXX XXXX that's being reported on my credit profile. Experian responded back to me stating the company that reported the information has certified to Experian that the information is accurate. I am filing a complaint on Experian and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked Experian to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. Experian have failed to do so as I requested.
Product: Debt collection

I got a call about a debt that has reached it's statue of limitations twice ... it is an 18 year old debt ... .i called back on XX/XX/18 ... .I asked for proof and they could not provide ... they said I have a judgement against me ... and that they are going to sue me ... and I do not have any judgements on my credit report..I never got served or gotten any summons to appear in court ... .they served my credit union with papers to freeze my account and I was charged {$75.00} for legal fees from my credit union ... and when I asked for more information she said her computer not coming open and she's looking at another screen and then..they acted like they couldn't hear me any more and just hung up..
Product: Credit reporting or other personal consumer reports

They told you they was still Working on it but In fact contacted me saying it was already completed n accurate but as of XX/XX/XXXX its no longer able to be on my credit report but yet they want take it of even tho they falsely put dates to prevent it from getting off in an earlier time
Product: Debt collection

I declare hardship In XXXX with the debtors..the account was closed and reopened XX/XX/XXXX..without me knowing they 're trying to collect a debt from XX/XX/XXXX..they 've been harassing me & lt ; Account # XXXX {$550.00} Balance XXXX Original Creditor {$500.00} High Balance XX/XX/XXXX Opened Date XXXX XXXX, XXXX Last Reported ... Account # XXXX {$1500.00} Balance XXXX Original Creditor {$770.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported By LVNV FUNDING LLC..they are trying to collect a debt then I do n't know.how do I get help taking care of this because they do n't have original records anyone ever tell me about my account.when they result in that account without my knowledge..have my limitation has been violated? I do n't know
Product: Checking or savings account

First ; On Sunday night,  XXXX   XXXX  at  XXXX   XXXX  as I was going to bed, I checked my bank account balance via text messaging it showed a positive balance of {$74.00}. On Monday  XXXX   XXXX  at  XXXX    XXXX  , I received an online banking ealert ( email ) telling me that my personal checking account balance is below a chosen alert limit = $ -  XXXX .     At  XXXX   XXXX , I noticed my bank account was now showing an overdraft of - {$50.00}. I quickly transferred {$100.00} into my checking account This cerated a positive balance in my account of + {$49.00}.     Then later that same day I made several more small deposits ( {$2.00}. and {$10.00} ) followed by one withdrawal of {$60.00}. This left a positive balance of {$1.0 0}, ( a gain this was on Monday afternoon  XXXX  ) I continued to monitor the account until approx.  XXXX    XXXX    that night and the balance remained at {$1.00}.     Then on  XXXX   XXXX , at  XXXX   XXXX  I received an email eleart notifying me that I was charged with  2 ( two ) overdraft fee charges of {$35.00} each ( {$70.00} ). The total amount of all the overdrafts was showing - {$100.00}, so I immediately deposited an aditional {$40.00} to clear any overdraft fees. ( - {$100.00} + {$40.00} = - {$68.00} ). So, if the fees ( {$70.00} ) were reversed I would have a positive balance of {$1.00}. I immediately called and asked for the fees to be reversed but was flat out denied. I told them I was unaware of any negative balances and when I was aware / notified I promptly covered the negative balances. ( less than 24 hours ).        Fraud was recently found on my debit card account and the card was temporary canceled. This may have caused some confusion on my part and inconvenience. As so, I was monitoring things closely.
I have been with BofA for 17 years. Due to these fees I am trying close my account but they say they can not close it with a negitive balance. Note : (   only their fees make it negative. )
Product: Vehicle loan or lease

Auto loan managed by Wells Fargo. Interest rates were overcharged, which is why loan had to be paid off early. 
When calling customer support, I was specifically told contradictory things about interest fees multiple times. 
Loan was registered under maiden name ( XXXX XXXX ), latest payments made around XX/XX/2016. 
Thank you for looking into this!
Product: Mortgage

XX/XX/2022 email from mortgage broker XXXX XXXX at Chase Bank. XXXX ID XXXX to explore a mortgage XX/XX/2022 convey him I would not need a mortgage as the house I saw over the weekend was old He then sent me a text message ( saved as proof ) called me a XXXX and a XXXX 

These XXXX  abuse were very powerful now it stays with me and make me XXXX.