23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Savor credit card, by Capital One, to pay {$90000.00} as a part of payments to home renovations ( including flooring, painting, kitchen cabinets, countertop ) contracted with XXXX XXXX XXXX XXXX XXXX None of the services contracted were completed by the contracted company. After attempting to resolve the issue with XXXX XXXX XXXX XXXX ( documented ), I disputed the transaction and Capital One and faxed invoices and proof of my attempts to resolve the issue with the merchant. Capital One issued a purchase adjustment to my account, pending investigation. On XX/XX/XXXX I received a letter from Capital One requesting additional documentation ( the same documents I had already sent ), and stating that if they did not receive the documentation by XX/XX/XXXX, we may charge {$90000.00} back to your account and consider your case closed. On XX/XX/XXXX, I received another letter, stating we are unable to assist you with your claim. Contact the merchant and work directly with them. On XX/XX/XXXX, Capital One issued a transaction refill of {$90000.00} to my account. After spending hours on the phone with several customers account managers, no one seemed to know what they were talking about regarding my dispute. One said manager, requested a valid second opinion by the company that was hired to complete the service undone. On XX/XX/XXXX, I faxed a letter with a second opinion they requested. On XX/XX/XXXX, I called again and spoke to an XXXX XXXXXXXX, Mr XXXX XXXX employee ID XXXX XXXX   according to him ), who, after placing me on hold multiple times to review the documentation and communicate with the office people that decide this, stated I will call you within 8 to 10 days. I think we missed the deadline with MasterCard. 
Capital One has failed the obligation to protect the me, the customer, from a fraudulent merchant. Therefore, I am asking the assistance of the Consumer Financial Protection Bureau to resolve the issue. Case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A while back we had contacted Wells Fargo because we had fallen behind alittle not by much but my wife wasnt currently working so we decided to try to do a loan modification to lower our payment to make it easier for us, we spoke to someone on the phone and specifically asked can we still make payments during the process and they told us no which we didnt understand, but we went along with it thought we were starting the loan modification process, but every time we tried to contact someone the voicemail was full so you couldnt leave a message or when you would finally get a hold of someone that person doesnt work there anymore so we would have to submit more paperwork and start over again this happened twice. During the what we thought we were doing a loan modification we recieve a letter in the mail saying we have a law day and we werent even aware that we were in danger of facing foreclosure because we never received anything before that, so we hire a lawyer and stop the law day and finally get some where with the loan modification mind you now we are so far behind because they told us not to make a payment when we thought we were doing a loan modification the first time.. so everything is settled they say we can do a trial period which we made all three payments over the phone and the last payment I asked the lady what happens next she said you get something in the mail to sign so that is the permanent Payment so we said okay and then all of sudden we get a letter again saying we were never doing the trial and we never made payments and that they were persuing the foreclosure so now we are back at the beginning again but now we are more angry then we were before and now we want to sue them, we need an attorney to sue them for all the stress and pain they have caused us health wise due to stress.. so that is where we are at right now
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between Santander consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all 3 bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.
Product: Checking or savings account

Went to bank of America to close an account that merchants had been withdrawing unauthorized funds. Opened new account with same bank. Changed my direct deposit with employer. Tried to access the new account and was redirected to fraud dept. The told me that all accounts with them had been closed. Today is payday I go to the bank and they refuse me my money and any access to my money that was sent to them via direct deposit. If the account was closed they should have sent payroll back to my company. I have Bill 's that need to be paid today. Light phone and car.
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$230.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX DOBXX/XX/XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes when I saw inaccurate accounts on my credit report this morning. Ive been diligent about checking it, but suddenly, there are discrepancies for reasons I cant explain. I tried refreshing my browser in case it was just a glitch, but the problem persisted. Now, Im feeling so unsettled, and I really need those documents I sent to be checked properly, so I can have peace of mind again.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICES LLC regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my XXXX ( XXXX ) CFPB Compliant ID, XXXX ( XXXX ) CFPB Complaint ID Number, and XXXX ( EQUIFAX ) CFPB Complaint ID Number XXXX I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights.

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit XXXX  and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices. XXXX, EQUIFAX, and XXXX ( collectively the " CRAs '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to XXXX XXXX XXXX XXXX XXXX, Equifax Information Services LLC, XXXX XXXX, their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. was hacked yesterday. My details were leaked, according to their website. https : //www.equifaxsecurity2017.comXXXX
Product: Debt collection

I recently sent amsher collection company a dispute in regards to a collection that theyre reporting on my credit report. They have failed to validate that I in fact owe a debt the form sent was debt collection validation informing them to supply me with the information obtained to show that I in fact owed the debt. I am not requesting a verification of debt, but a validation of debt. All collections must cease and desist immediately until they provide proof of debt by way of validation not verification. They are operating in deceptive practices and will be held civilly liable.
Product: Debt collection

I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.
Product: Debt collection

I'm filing this complaint against Preferred Lease for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

American Express refused a purchase on XX/XX/XXXX that was within my credit limit with no warning and then decreased my credit limit by 30 %. Two of the reasons listed for its decision was my FICO credit score and my percentage of utilization of revolving credit. In  lowering my available credit limit, both factors will be further negatively affected. I spoke with a customer representative from American Express who said that my credit could be restored with a {$250.00} payment to be applied towards my balance on the account in question or by submitting additional personal financial information. 

My complaint stems from the fact that my credit limit was lowered without warning, which will only further impact my credit score which American Express cites as a part of their reason for their action, and that the only grounds for having it restored are additional payments on an account that is current with no payment due or by submitting additional personal financial information. American Express ' actions and resolution processes are predatory and aim to bully its clients ( me ) into early payment or unfair disclosure of additional personal financial information. 

Furthermore, at the time of writing this complaint, I have yet to receive a letter or email from American Express detailing in writing their specific process for restoring my credit limit all of this information was presented to me over the phone by their customer service representative, so I can not review this information myself or attach American Express ' requirements to this complaint.
Product: Credit card

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 
AMERICAN EXPRESS XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Unauthorized Credit Inquiry and Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized inquiry placed on my credit report by your company. Your company pulled my credit report on XX/XX/year>, and added a hard inquiry under [ Credit Bureau : XXXX, XXXX, or XXXX ], yet no credit was ever extended to me. This unauthorized action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violation : Under 15 U.S.C. 1681b ( f ), you are legally required to have a permissible purpose to access my credit report. Since no credit was ever extended to me, you did not have legal grounds to pull my credit report, and your inquiry was unauthorized. As a result, you have violated my rights under the FCRA, and I am entitled to {$1000.00} in statutory damages per violation under 15 U.S.C. 1681n.
Product: Money transfer, virtual currency, or money service

On XXXX ( midnight ), an ACH of {$120.00} was done using XXXX XXXX 's system from a XXXX XXXX  account to a CapitalOne account. CapitalOne claims that it did not go through the system, and furthermore claims that federal law requires them to wait 4 business days before posting the amount. It is my understanding that this is inaccurate, as the receiving institution must post this amount as soon as the ACH system transfers the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively disputing an account with XXXX XXXX XXXX XXXX for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, Transunion, XXXX, XXXX and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition TransUnion and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, XXXX, and Transunion assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXX credit Services, yet XXXX is reporting. Please remove from my credit file.
Product: Debt collection

PayPal issued a refund from my account to a buyer for an item that I sold on XXXX. Even though XXXX previously denied the buyers request for a refund due to signs of fraud, being attempted on the buyers behalf. The buyer waited a few months and contacted XXXX   and was able to successfully conduct a fraudulent refund based on PayPals practices. Which are a breach of XXXX  policy to detect abusive tactics from both buyers and sellers on its platform. This is why XXXX closed the case months earlier when the buyer made his first attempt to scam me, the seller ( out of my product, and the payment that was issued to my paypal account ) for the product I sold. When I noticed that this was a scam I immediately alerted XXXX that PayPal was holding my funds and that I suspected this was a scam on the buyers behalf. XXXX escalation department examined the case closely, and agreed that this was an attempted scam on the buyers behalf. PayPal was notified and released the funds in my account. If PayPal had already been notified about this scam from this buyer. Why did they issue a refund to this buyer who was clearly a scammer? Pay pal refunded the money without proper evidence, and at my expense. I lost merchandise, the payment, and gained a negative point on my credit score ( for a  negative balance of {$460.00}, because of their poor customer support practices, and conflict of interest policies.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REPORT THESE INQUIRIES AND WOULD LIKE FOR THEM TO BE TAKEN OFF MY CREDIT REPORT BECAUSE I AM A VICTIM OF XXXX  XXXX  AND THEY ARE DAMAGING TO MY XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have submitted another request for this issue that was just closed without proper evidence under complaint XXXX. Again, KeyBank has failed to address that they continued to charge non-sufficient fund and return fees for an account that I closed in their branch. Note, I have had many discussions with KeyBank both in person at their branch, and via their call center in the XXXX. I am glad that KeyBank provided evidence of previous miscommunication with their XXXX center, resulting in a refund that they paid to me. I am not sure how or why this lack of communication continues to occur, but KeyBank has placed my name in XXXX for overdraft fees only, again sometimes charging as much as {$77.00} for a {$17.00} charge. My first question is specifically to the Consumer Financial Protection Bureau - is this legal? Is a company able to charge & XXXX for a {$17.00} return charge? Why, as a consumer, is KeyBank able to punish me for choosing to no longer do business with their bank and closing my account? As noted in my initial complaint, KeyBank has never paid a charge on my behalf, and my current balance with this organization is only from their service fees. My second question is for KeyBank - what responsibility do you take for not properly closing my account, as requested? Your response to my previous complaint was that you are taking no responsibility for your mistake, and continuing to assess overdraft charges for an account that was closed. In addition, how are you rectifying the situation with your call center? I am aware from speaking with your branch that many of your customers ( not only me ) have complained that your call center employees do not properly understand English, and I have a concern with how you are protecting my personal information when it is outsourced to another country.