23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect name spelling is reporting on my credit report. 

XXXX XXXX Multiple addresses that is incorrect is reporting on my credit report. 

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

Re : Pre-Litigation Letter - Securities Fraud, Billing Error Dispute, and Rescission of Security Interest/Tax evasion/remove right to repossess Dear To Whom It May Concern, Chief Financial Officer, indenture trustee I trust this letter finds you well. I am writing to address serious concerns related to my XXXX-interest Certificate of Indebtedness under your management. This communication is a pre-litigation notice outlining issues concerning securities fraud, billing errors, and the immediate rescission of the security interest in the asset.

**Relevant Legal Citations : ** - **12 CFR 126.3** - **15 U.S.C. 1666b** - **16 USC 433.1** Under the Electronic Funds Transfer Act and relevant statutory provisions, I am asserting my rights and concerns as outlined below : **1. Securities Fraud Allegation : ** - It has come to my attention that my account has not been properly credited in accordance with the Electronic Funds Transfer Act for the interest securities dividends payment related to my Treasury Coupon.

- The failure to credit my account raises suspicions of securities fraud under applicable laws.

**2. Billing Error Dispute : ** - I assert a billing error dispute related to the non-receipt of interest payments on my XXXX-interest Certificate of Indebtedness.

- This dispute extends to past, present, and future interest payments, and I demand a thorough investigation into the matter.

**3. Request for Asset Representation Review : ** - I am formally requesting an Asset Representation Review to ensure that my assets are being managed in accordance with all applicable laws and contractual obligations.

- This review is essential to determining the accuracy and transparency of the handling of my securities and financial interests.

**4. Rescission of Security Interest : ** - I hereby request the immediate rescission of any security interest held in the asset/product/security related to my Certificate of Indebtedness.

**5. Remittance of Interest Coupon Dividends : ** - In accordance with the Electronic Funds Transfer Act, I request that you, as the indenture trustee, perform your fiduciary duties to remit and direct the securities ' interest coupon dividends to my Treasury Direct Account, as detailed below : Your Treasury Direct Account Information Account Name : XXXX XXXX number : XXXX Account : XXXX Conclusion and Action Required : I trust that you will take immediate action to address these concerns, conduct a thorough review, and promptly rescind any security interest held in the asset. Failure to rectify these issues within a reasonable timeframe may compel me to pursue legal remedies available under the cited statutes and other relevant laws.

I anticipate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Please send legal title, XXXX, and any other securities for investment purposes to C/o XXXX XXXX XXXX XXXX XXXX XXXX Also attached is your indenture agreement stating the responsibilities of a indenture trustee performance on cancellation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX I XXXX
Product: Debt collection

I have sent several disputes trying to get this info. Resurgent refuses to provide the credit card agreement that i would have been provided when applying for this card. They also will not send over the written application with my signature as the original creditor couldn't get this either. When i originally reported this identity theft to them, they closed the account and removed from my credit then i guess sold this to Resurgent. This account is fraudulent and is on my credit. I want the documents proving this is my debt ( as they don't exist ) so that i may file a claim/police report for this and need those documents. If they can not supply, this needs to be closed and removed from my report. If they can, i can file my identity theft claim and police report and can supply this to get this closed and removed. I had several accounts in XXXX  that were opened in my name and this is the last one i have been trying to get taken care of. Resurgent has refused to supply the documents required to validate. Not to mention, i was never given the 30 days of dunning to dispute originally or i would have disputed at the very beginning!
Product: Mortgage

this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage
Product: Student loan

When I initially applied for my loans through XXXX XXXX I was never aware of the interest rates. I was told it would be somewhere between XXXX % while federal student loans were set by XXXX. Some of my private student loans are 10.2 % and I feel like Im getting no where. I have asked numerous times if I can consolidate it to a lower interest and they told me no all the time. I said there was no way I could afford it and they told me to ask my parents for the money. Secondly, I had my sister as a co-signer and was told that if I made principle and interest payments that I could release her in 24 months. I followed all of there rules and everytime I tried to release her I kept getting a ridiculous reason as to why they were not releasing her. Finally after writing a long letter and applying for like the 8th time, she was finally released 6 years later. This company is very shady and I would love for the consumer bureau to do an investigation on this company because they have misled me and have not been honest and have been unwilling to work with me about lowering my payments or telling me about income based repayment plans.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX XXXX XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX BANK XXXX {$760.00} XXXX ( Original Creditor : XXXX BLINK FITNESS ) XXXX {$150.00} SYNCB Inquiry P XXXX XXXX C U Inquiry SPECIAL FINANCING COMP Inquiry
Product: Money transfer, virtual currency, or money service

I cashed a cashiers check for services performed from an individual and it bounced, now my bank is not honoring my deposit and took the money from my account.
Product: Credit card or prepaid card

I am unable to determine the expiration date of my 0 % promotional rate on my existing balance transfer. The information is not available anywhere on the website, or on any of the PDF monthly statements. I would like to know when my promotional periods ends, so as not to incur any interest charges.
Product: Credit card

XXXX Furniture company XXXX XXXX XXXX a refund of XXXX to my credit card. There had been fraud on the card number used for my original purchase to them, but I was told by Wells Fargo I would be able to receive the refund still to the new number. On this same date, I received a deduction in the rewards balance points reflecting the refund of the transaction. There has been no refund to my card balance/statement. 

XX/XX/year> - Filed complaint to Wells Fargo for missing refund. Wells Fargo case number : XXXX I have still not received the refund. They have claimed it was possibly returned to XXXXXXXX XXXX  though they have been unable to provide any proof supporting this possibility. They have continued to extend their deadline and not respond to any emails I have sent. XXXX XXXX has been very helpful and confirmed they did not receive the refund.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a Retail Installment Sale Contract for an auto loan with Capital One Auto Finance through XXXX of XXXX XXXX. After carefully reviewing the loan agreement, I identified several discrepancies and potential violations of federal and state consumer protection laws, including illegal interest charges, fraudulent misrepresentation, and improper lien enforcement. 

Key Issues Identified : 1. Incorrect Finance Charges & Interest Calculations The documented monthly payment amount ( {$510.00} ) does not match my recalculated figure ( {$770.00} ) based on the disclosed terms.

The finance charge calculations lack transparencyCapital One has not provided details on the APR application, interest accrual method, or payment allocation.

Failure to disclose proper finance calculations may violate the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ).

2. Unlawful Inclusion of Optional Add-Ons The loan includes optional products totaling {$5700.00} without clear disclosure of how these affect the amount financed and monthly payments : Spartan Theft Deterrent Device : {$1900.00} Ultimate Platinum Protection : {$3000.00} XXXX GAP Insurance : {$760.00} These add-ons may have been improperly financed in a way that increases interest charges without proper disclosure, potentially violating TILA and unfair lending practices laws.

3. Failure to Prove Loan Ownership & Possible Securitization Violations Capital One has not provided documentation proving that it owns and has the legal right to enforce this loan.

If the loan has been sold or securitized, Capital One may have already been compensated and may no longer have the legal authority to collect payments. 
This raises concerns under Regulation AB ( G16 ), which requires disclosure of securitized assets.

4. Fraudulent Misrepresentation & Unjust Enrichment The contract falsely states that the security interest has been satisfied, yet Capital One continues to enforce it.

If the loan was securitized and sold to investors, Capital One has already been paid in full and should not be collecting further payments.

These actions may constitute fraud, unjust enrichment, and unfair business practices under Californias Unfair Competition Law ( Bus. & Prof. Code 17200 et seq. ).

5. Unfair Arbitration Clause Restricting Consumer Rights The contract contains an arbitration clause that severely limits my ability to take legal action, including class-action claims.

This may be unconscionable under California law, based on legal precedent ( Gentry v. Superior Court ( 2007 ) 42 Cal.4th 443 ).

Actions Taken So Far : On [ 01/28/2025 ], I requested a detailed breakdown of the loan terms and finance calculations from Capital One. They failed to provide adequate clarification. 
I sent a formal demand letter requesting proof of loan ownership, securitization details, and corrective action for these violations. Capital One has not responded. 
As a result, I am escalating this complaint to the CFPB and requesting an investigation into Capital Ones lending practices.
Product: Credit card

A capital one card was opened without my consent or knowledge and money is being spent without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 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 XXXXXXXX
Product: Credit card

I believe the account is invalid. XXXX XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 15 U.S.C. 1681i, I am disputing the accuracy of information reported on my credit file regarding a XXXX XXXX account, which shows a missed payment for XX/XX/XXXX. This payment was made in full, and I am unable to retrieve additional receipts due to login issues. As per the statute, I request that this information be reinvestigated and deleted. 

XXXX XXXX  allow me to make a payment in XX/XX/XXXX for {$410.00} XX/XX/XXXX i paid the remaining balance from XXXX and full payment for XXXX payment.
Product: Debt collection

On XX/XX/XXXX, I reached out via courier service to Midland Credit Management asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing, nor that they own the alleged account.
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. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I made a payment for {$260.00} on XX/XX/2017 to my GM Financial Auto Loan. At the time of this payment. My prinicpal and interest payoff ( excluding late fees ) was {$250.00}. According to GM Financial 's payment hierarchy, the payment ahould have been applied to principal and interest first, then any overage gets applied to late fees. GM Financial put thjs payment 100 % to late fees which is causing me to show past due for a principal balance that I should not owe. Under the fair credit reporting act, late fees are not a reportable debt. GM financial promised to rectify this issue inXX/XX/XXXXby reallocating the XX/XX/XXXXpayment to principal and interest and updating my credit report. This has yet to be done and is preventing from getting approved from credit. This is a missapproriation of funds, and GM financial needs to take care of it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block, inc. ) due 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 platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.