23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$490.00} and my account was reported to collections as delinquent for {$490.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.

Also please take into consideration that a police report was filed for this matter.
Product: Credit card or prepaid card

I have been battling with Citi for awhile now. I have a Best Buy MasterCard.. I noticed a couple months ago they was charging me for something called Debt Protection fee. These fees arent cheap and occur monthly. Ive been charged over {$600.00} easily from this. I was told that I enrolled in XXXX of 2007. I never authorized this and refuse to pay the fees Ive been charged for the previous years. At bare minimum the last year. When I try to call they tell me theres nobody to talk to about getting my refund for the previous year. They tell me they have to send it to someone higher up and then thats all they can do. I dont believe this, they are basically telling me I cant speak with someone that is denying these letters. Ive gotten them to send 2 letters to the higher ups and of course both times its denied. This is apparently a huge problem since Ive looked it up. How can I not talk to the people in charge of telling me no? What is the point of the job the people have I actually do get to call and talk to. They basically want me to quit trying and pay all the money and I wont.
Product: Credit card or prepaid card

i Was trying to Apply with a Credit Card With Apple with a bank Name goldman sachs bank usa and They Denied My Application and i dont have bad Credit History and my Score Is Good and they shouldve have not denied my Application for Finance i want this hard Inquiry to be remove from my report please thank you my social security : XXXX date of birth : XXXX
Product: Checking or savings account

I filed a dispute with Chime on a hotel charge Chime ended up denying the dispute however they have not provided me with dispute results they said on the phone that the merchant never responded to the dispute I told them if that is the case it is supposed to automatically go in favor of me but I never received dispute results to appeal it or go further in the dispute process to know exactly why they denied it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate entries on my credit report. Below, I outline the specific accounts that require investigation and correction : XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) This account lists a balance of {$57000.00} with a Collection/Charge-off status. 
Charge-offs : Per 15 U.S. Code 1601, all disclosures under the Truth in Lending Act must be provided, which I did not receive. 
Additionally, the payment history reflects inaccurate entries that do not align with my records. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) The reported balance is {$50000.00} with a derogatory Collection/Charge-off status. 
Disputes : According to 15 U.S. Code 1666 ( b ), billing errors or disputes must be investigated and resolved accurately. This has not been done for this account. 
I contest the legitimacy of the reported late payments and the lack of documentation substantiating this debt. 

XXXX. Account : XXXX XXXX ( Account # XXXX ) This credit card account lists a balance of {$7900.00} and is marked as Collection/Charge-off. 
Collections : Per 15 U.S. Code 1692 ( c ), I did not provide consent for a debt collector to contact me regarding this account. 
The comments state the account was closed due to inactivity, yet derogatory marks remain unjustifiably. 

XXXX. Account : XXXX XXXX  ( Account # XXXX ) This account shows a balance of {$8400.00} with a derogatory status and Charge-off remark. 
Charge-offs : As per 15 U.S. Code 1601, the creditor failed to provide full disclosures required under the Truth in Lending Act. 
The payment history contains inaccuracies that misrepresent my payment behavior. 

Requested Action : I request the following actions to rectify these issues : 1. Verify all disputed entries and provide documentation supporting their accuracy.

2. Remove any unverifiable or inaccurate information from my credit report in accordance with 15 U.S. Code 1681i.

3. Provide a detailed response within 30 days of receipt of this letter. 

I have attached copies of my credit report with the disputed entries highlighted, along with any relevant documentation to support my claims. If these inaccuracies are not addressed, I will be forced to escalate the matter under consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your resolution.
Product: Money transfer, virtual currency, or money service

I supposedly wired money to a fraudulent broker. However, I wired my money to an account with East West Bank- a US based account. They should have done a KYC check, and would be responsible for protecting consumers from fraudulent scams and fraud bank accounts. Loss amount {$370000.00} via wire transfer in 3 separate occurrences to 2 different accounts all by East West Bank. They are engaging in money laundering, letting a fraudulent broker operate with multiple East West Bank accounts.
Product: Credit reporting or other personal consumer reports

I am trying to get Transunion and XXXX to verify the bankruptcy that they are claiming that I file and the bankruptcy that they are reporting on my credit file. I have verified with the courts that they listed as that provided them with this information and they have provided me with a letter stating that they do not and have not furnished the credit agencies ( XXXX and Transunion ) with no such information. Please see attachments. These agencies is reporting inaccurate information on my credit file.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices, which constitute violations of the Consumer Financial Protection Act. Specifically, Cash App failed to implement adequate and timely measures to safeguard my account from fraudulent activity, leaving it vulnerable and unprotected. Moreover, the companys dispute resolution process was both unfair and deceptive, failing to meet the error resolution requirements mandated by the Electronic Fund Transfer Act and Regulation E. These deficiencies have caused substantial financial loss and inconvenience. I respectfully request appropriate redress for these violations and the resulting harm.
Product: Vehicle loan or lease

i have no knowledge of this car loan. i never seen this nor signed up for any type of loan. this account was opened has a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not unfreeze my account. i unlocked the account online but they do not provide access to my bank. I entered my credit card number info to pay the {$10.00} and was denied. it is so frustrating.
Product: Credit reporting or other personal consumer reports

There is a collection on my Transunion credit report for XXXX XXXX XXXX XXXXXXXX who is reporting a debt for XXXX XXXX. I have requested in writing validation of debt from XXXX and the address provided to me from Transunion has been returned as undeliverable. I will submit proof of the returned mail. In addition this debt collector is illegally collecting as they are not licensed to collect in California. This is required by the CA Financial Protection Law.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I called Capital One to request a paper bill be mailed for my credit card ending in XXXX due to issues accessing my account online. The representative confirmed my mailing address and said the paper bill would be sent. On XX/XX/ I received an email from Capital One stating my account was in collections with a balance of {$780.00}, even though I had requested regular paper billing to avoid this situation. Capital One failed to provide the paper billing as requested, and incorrectly reported my account as delinquent.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally file a dispute against PNC Bank regarding the recent denial of my auto loan application submitted on XX/XX/year>. PNC Bank has violated my consumer rights as outlined in 15 USC 1602 and related laws. This letter serves as both a formal complaint and a pre-arbitration notice, as provided by PNC Banks arbitration agreement.

**Violation of Consumer Rights under 15 USC 1602 : ** As a consumer, I am entitled to access credit as a matter of my right under ( 15 USC 1602 ). Denial of my application without proper cause and without adherence to federal regulations governing my rights to credit constitutes a violation of this federal statute. I am aware of the Equal Credit Opportunity Act ( ECOA ), which prohibits denying a consumer credit without a valid reason. In this case, no valid, lawful reason has been given, nor have my rights to access credit been upheld.

**Securities Fraud : ** Additionally, the withholding of my own securities and the denial of benefit after applying for credit is tantamount to securities fraud. Upon submission of my application, I was supposed to receive access to credit, which I did not. This breach must not be ignored, as my security is being withheld unlawfully, causing me harm and depriving me of access to necessary credit.

**Failure to Adhere to Arbitration Agreement : ** PNC Bank 's own arbitration agreement clearly states that customers should attempt to resolve any disputes by contacting the bank first. I complied with this directive and called PNC Bank on the morning of XX/XX/year>, seeking remedy for this violation. However, none of the representatives I spoke to were familiar with the consumer rights issues I raised, nor was I given access to a supervisor or manager when I requested to escalate the matter. This further demonstrates PNC Bank 's failure to resolve the issue through the proper channels as set forth in their own agreement. 

**Demand for Remedy : ** I am demanding immediate action, specifically, I request that : 1. PNC Bank provide the benefit I was entitled to when I applied for my auto loan.

2. Any adverse action taken against my application be reviewed and corrected in accordance with federal law.

If I do not receive a satisfactory resolution to this matter, I will proceed to arbitration as outlined in PNC Banks agreement to seek the remedy I am entitled to under the law.

I expect a prompt and comprehensive response to this letter. Please contact me at your earliest convenience to resolve this matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
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  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd list of Inquiries 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: Debt collection

XXXX XXXX has filed a suit in court but has not contacted me about any debt I owe them, I will answer the suit but they should come with the contract. I have never entered into a contract with XXXX XXXX a debt buying company. I am asking for them to verify debt with the original contract with my signature. They have failed to verify or notify me of said debt but have proceeded to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above 580 ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX XXXX. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no reason. None.
Product: Student loan

On XX/XX/XXXX I contacted the XXXX  to request an amortization schedule for my student loan. They refused to comply with my request. They claimed due to uncertainty over the plan, they could not provide such a schedule, even though they had the end date of the loan and monthly payment schedule listed. As the borrower I have a right to know any and all information about my loan including a standard amortization schedule which lays out the principle versus interest in the loan. XXXX  servicer, XXXX ( no last name given, as is standard for this shady company ) ID # XXXX claimed it is company policy not to provide such information, and yet could point to no written company policy at all. In fact, in the course of our conversation he discovered what he saw as contradictory information given to me by the last agent on XX/XX/XXXX, who said that if we left the Revised Income Pay-as-you-Earn plan we could in fact get a amortization plan. He said it was impossible to get one. Period. This is unacceptable. This is my information. I deserve to see all of it. I can not be a responsible borrower without having full knowledge of the plan. This is not how Free Markets or Capitalism is supposed to work.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I submitted a written request to DSNB Bloomingdales ( DSNB ) on XX/XX/year>, requesting copies of my signed contract and applicable disclosures related to my account. To date, DSNB has not provided the requested documents.

Additionally, DSNB unlawfully shared my nonpublic personal information with credit reporting agencies and nonaffiliated third parties without my consent, in violation of the Fair Credit Reporting Act ( 15 USC 1681b ). This practice appears deceptive and coercive, potentially aimed at forcing payments on a debt that may not be valid. The corresponding USPS certified mail tracking numbers are on the attached documents to show proof of delivery. 

The failure to provide the requested documents and unauthorized data sharing violate multiple federal consumer protection laws, including : - Fair Credit Reporting Act ( FCRA ) Failure to provide requested consumer credit information ( 15 USC 1681g ) and unauthorized sharing of nonpublic personal information ( 15 USC 1681b ).

- Fair Debt Collection Practices Act ( FDCPA ) Failure to validate the alleged debt upon request ( 15 USC 1692g ).

- Truth in Lending Act ( TILA ) Failure to disclose account terms and finance charges ( 15 USC 1631 ).

- Gramm-Leach-Bliley Act ( GLBA ) Failure to provide required privacy disclosures and opt-out options ( 15 USC 6802 ).
Product: Debt collection

I had my identity stolen and realized there were fraudulent items on my credit report which caused me to fill out identity theft reports ( local police and FTC ) back in XXXX of XXXX. Then I submitted these reports to all 3 major Credit Reporting Agencies which caused them to remove all the fraudulent accounts. This company came back randomly a few months later and put this account back on my reports under the guise of it being a different account than the one that was removed. I contacted them on XX/XX/XXXX via a letter sent certified mail and got no reply or proof of any business we've ever done.
Product: Mortgage

Mortgage account is to be paid by person residing in home, since I was evicted. I last made payment in XX/XX/XXXX, due to being on fixed income ( VA, SSA ). Mortgage company has not contacted me in regards to late payments, albeit I am listed as first placeholder on the note. I contacted the mortgage company in XX/XX/XXXX, in regards to the lack of communication from the mortgage company in regards to the account being late. I was informed that I was " refusing to pay '', when I never stated those remarks. I was informed back in XX/XX/XXXX, I would be contacted in regards to late payments, and/or any other changes to the mortgage. I received a call in XX/XX/XXXX, in  regards to a " forbearance agreement '', placed on the mortgage. I was informed the agreement was ending at the end of XX/XX/XXXX, to  which I never applied for a " forbearance agreement ''. Also, I was informed by the caller only when the terms are modified, should all parties be contacted. I attempted logging into the account on XX/XX/XXXX, and was unsuccessful ( see runtime error attachment ). I was able to reset my browser settings, logged in, and noticed the mortgage terms changed from XX/XX/XXXX, to XX/XX/XXXX. I WAS NOT notified by phone, email, letter, etc., in regards to the terms being modified. I may not be residing at the property address on file with the mortgage company, yet since it is being reported to my credit reports, it is of high importance to me any late payments, change of terms ( deferment, forbearance ) be brought to my attention from the mortgage company. The actions by the mortgage company is very unacceptable.
Product: Debt collection

National credit adjusters did not send me information to verify the debt. I have sent corespondent for almost a year and still no response from the Company.
Product: Mortgage

I pay my mortgage through a recurring payment on my bank 's website. The mortgage is set to pay on the XX/XX/XXXX of each month. The paper check is sent to the bank on the XX/XX/XXXX every month. The payment is late if received after the XX/XX/XXXX. Twice this year I have contacted SunWest regarding cashing the check in a timely matter. Currently, they have a late fee applied to my account. I don't understand why the company is not processing my checks quickly using ACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX, 2022 XX/XX/2022 XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days
Product: Money transfer, virtual currency, or money service

In XXXX I opened an account ( XXXX ) with Wise, an international money transfer and internet banking company. I asked a Wise customer service rep how to transfer funds into the account and was provided the corresponding IBAN. On XX/XX/XXXX I followed the instructions given to initiate the transfer in the amount of XXXX from an account in my name at XXXX  bank XXXX. I checked the Wise website each of the following five days to check receipt but the balance remained at XXXX. On the sixth day, XX/XX/XXXX, I received an email from Wise that the transfer had been " cancelled '' and that funds would be returned in 8-10 business days. When I enquired as to why, I was told that Wise needed " more information '' to complete the transfer. I was not told the specific nature of the information. I was never asked, warned or notified prior to the cancellation. Upon investigating Wise confirmed that no email or other attempt at contacting me regarding this matter was undertaken. I feel the unilateral surprise cancellation of the transaction is a breach of fiduciary duty to a customer. It has caused me great inconvenience and pout me in a situation that is difficult to rectify. This is teh answer I received from the company : " Hello XXXX, Thank you for your patience so far. 
We've finished investigating to determine whether we didn't notify to upload additional document to complete the check of your transfer # XXXX, and as a consequence of it, your transfer was cancelled. 
What we've found is that there was no notification sent from our end, asking you to submit a document. '' How can a regulated financial institution act so recklessly?