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

On XX/XX/XXXX I XXXX dollar payment posted. Also the funds came out of my bank. When this happens my available credit goes back up. Customer service states they have the right to wait 7 additional days before allowing me to use my money. This has never happened to me before. I dont think this policy is legal. I made those payments because I am relying on the available credit to pay bills. 

This is Capital one
Product: Debt collection

TD Bank XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXX This account was paid in full in the amount of {$2600.00} following my phone conversation with Latresea on XXXX XXXX, 2016 approximately XXXX XXXX. The funds were released on XXXX XXXX, 2016, 13 days before due date. I have done my due diligence and will forward this information to Consumer Financial Public Bureau and the XXXX. 
Please adjust your records and close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud. I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future. I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Product: Money transfer, virtual currency, or money service

I met someone on XXXX who told me they would help me trade crypto futures. 
After several trading sessions and large profits, they said I must pay taxes to reap my profits. As of now, my account is " frozen '' All of this was done through Coinbase Wallet and XXXX. Neither company is useful in helping me solve the problem. 
I Originally wire transferred the funds from XXXX XXXX to XXXX XXXXXXXX XXXX. 
My entire life savings is " frozen '' in an account I don't even understand. Approximately {$390000.00} USD. I later found out the person has several XXXX accounts under different names. I have made several complaints to XXXX, and they have been of no help. I also filled out a complaint on the FBI website IC3. I'm devastated. I have lots of information about the scammer, whose photographs I traced to XXXX social media site XXXX. I hired a private investigator to help me find the person. I don't know what to do, and I'm at the end of my rope. The scammer even convinced me to cash out my SEP IRA and add that to the pot.
Product: Student loan

After graduating in 2013, I began paying back my student loans in XX/XX/2013 to Navient. When I requested a payment history, 3 years of payments, totaling {$15000.00} were missing. 

I filed a complaint with the NY Attorney General Office and was told to contact your organization.
Product: Credit reporting

I filed a complaint last year with the CFPB regarding an erroneous account on my credit report. The CFPB never received a response from the company. This account is still reflecting on my credit report and it is a fraudulent listing. It is now affecting my mortgage qualifications. I am writing the CFPB to help with the violations on the FCRA against XXXX or to help with getting the fraudulent account delisted from my report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please take a look at the attached letters and ID docs for verification. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
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 : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Money transfer, virtual currency, or money service

I went to ACE CASH EXPRESS to send money to my daughter and son in XXXX, using XXXX XXXX 3 months ago but only my son received his money on time, I have since tried contacting XXXX about the transaction but in vain. Can you please help me to track my money back
Product: Credit reporting or other personal consumer reports

They have accounts opend when I was XXXX  XXXX  and my data was effect by the XXXX data breach
Product: Credit card or prepaid card

I disputed a charge of {$520.00} from a vendor that rented me an apartment for a vacation rental. Barclays has never addressed the points of my dispute. Instead that just keep saying they can't override the vendor terms and conditions that I agreed to. But, they have never provided proof that I agreed to the terms and conditions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATIONXXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2023, I booked a condo through XXXX for XXXX XXXX XXXX. I signed the Rental Agreement, and I paid the full amount of {$5700.00}. The property was removed from XXXX and the rental company, XXXX XXXX, would not respond to email or voicemail for clarification. A few days before the reservation date XXXX informed me that they would give me a refund and cancelation. On XX/XX/XXXX, I receive a welcome email from the rental company sent me an email re-confirming my reservation. Due to a lack of communication I had already booked a different villa from another website. I contacted my credit card company and they credited my account for the full amount. On XX/XX/XXXX, the rental company sent me to a collection agency, Capital Accounts. On XX/XX/XXXX, I received an email and letter from Capital Accounts for {$7400.00}. The reference number is XXXX. I contacted them via email that this was a misunderstanding and that I was working with XXXX to correct it. On XX/XX/XXXX my credit card company reversed the credit, applying the full amount back to my credit card. XXXX left out a lot of details to the credit card company so I reported both XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX and XXXX XXXX  sent me separate emails and refunded me for the full amount which was {$5900.00}. Since then Capital Accounts have continued to send me letters stating that I owed them {$7400.00}. After having received another letter from Capital Accounts on XX/XX/XXXX, I tried calling them. Every time I am connected to my case manager, she is requesting payment. The connection is very poor and breaks up. I can not hear what she is saying. I sent them another email with attachments of the refund emails from XXXX. I contacted XXXX XXXX  to contact the debt collector but have not received a response.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to remove any record of the inquiries with all credit reporting agency. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have XXXX  credit alert and per the attached my account XXXX has erroneously inaccurately been reported 30 or more days late by Chase.This is some straight out institutional racism XXXX that permeates in this country at it's highest form!!! 

I have NEVER been 30 or more days late on this mortgage in the 13 years that I have had it, and this is a blatant attempt to ruin my excellent payment history, because I am in the process of refinancing my property with another lender, and these XXXX at Chase know that if I have a late payment on my history in the last 12 months that I will be unsuccessful in refinancing, and have to continue the loan with them. 

On XX/XX/19, I made my mortgage payment via Chase payment by phone system, and the payment information ( routing number/account number ) were correctly provided, confirmed, and I was provided a confirmation # of XXXX!!! 

Then I'm informed through my credit alert program that I am 30, or more days late with my payment with the representative claiming that my bank ( XXXX XXXX XXXX ) said that there was NO such account with them. Which again, is pure XXXX ... I contacted XXXX XXXX and was clearly told that that was incorrect, and they don't operate like that, and were NEVER contacted by Chase, and if so that they would have reached out, and contacted me to communicate such.
Product: Student loan

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX Email : XXXX Phone Number : [ XXXX Subject : Unauthorized Transfer of Debt, Privacy Violation, and Identity Theft Issues Details of the Complaint : I am filing this complaint regarding a debt originally held by XXXX, which was subsequently transferred to XXXX, and then transferred again to XXXX, without my knowledge or consent. This repeated transfer of my debt between various collection companies has occurred without proper notification or authorization from me, violating my privacy rights and potentially exposing me to identity theft. 

Issues with the Debt Transfer : Unauthorized Transfer : The debt was transferred from XXXX to XXXX and subsequently to XXXX without any prior notification or consent from me. This transfer process took place without providing me with a clear explanation or verification of the legitimacy of the debt and the involved parties. 
Violation of Privacy Rights : By transferring my personal information between these entities without my knowledge or permission, my privacy rights were violated. I was not informed of these transactions, nor was I given an opportunity to dispute or verify the debt before it was passed from one company to another. 
Potential Identity Theft : The unauthorized handling and transfer of my debt information raises serious concerns about the potential for identity theft. Without my consent, my sensitive information has been shared among multiple parties, putting my personal and financial data at risk. 
Lack of Debt Validation : Despite multiple requests, none of the companies involved in this transfer has provided proper validation of the debt, including documentation of the original loan agreement, verification of my responsibility for the debt, or evidence of how the amount was calculated. 
Violations : Fair Debt Collection Practices Act ( FDCPA ) : The companies have failed to provide proper validation of the debt and engaged in unauthorized transfers, violating my rights under the FDCPA. 
Fair Credit Reporting Act ( FCRA ) : Any reporting of this account to credit bureaus without validating the debt violates the FCRA. 
Right to Privacy : The unauthorized sharing of my personal information with multiple entities is a breach of my privacy rights. 
Requested Resolution : I request a thorough investigation into these practices and hold the responsible companies accountable for their violations. 
I request the immediate removal of all negative information related to this account from my credit report. 
I seek compensation for any damages caused by these unauthorized transfers and the violation of my privacy rights. 
I request that all collection activities related to this account cease until proper debt validation is provided. 
Thank you for your attention to this matter. I look forward to a resolution that protects my rights and holds these companies accountable for their actions. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit Management MIDLAND FUNDING, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for Midland Credit Management From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX  is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX ], you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Product: Credit card or prepaid card

I talked with Capital one on XX/XX/2020 about a Recurring charge ( XXXX  XXXX  {$510.00} ) to my account that I wanted removed. I am under contract with the merchant but want the merchant to bill me directly ( by mail ) instead of my credit card. after several attempts to contact merchant I called capital one to cancel the recurring charge. They asked me if I had talked the merchant but and I told them I can not get my agent with the merchant to respond. Capital one then told me that they can not stop recurring charges due to a recent new policy due to the corona virus. They explained that they are not stopping any recurring charges at the present time. I feel totally out of control of my own money here. Is this legal??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SELF-REPORTED XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I have never had a master card or a XXXX XXXX  account. I havent opened a credit card in 10 years
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX/XXXX  XXXX
Product: Debt collection

XX/XX/XXXX I received a letter in the mail ( albeit to an address I have not resided at in over 10 years ) from Jefferson Capital Systems for a debt that was a result of identity theft. They claim I owe {$5700.00} for an account at XXXX that was fraudulently opened in my name after my phone and wallet were stollen in XX/XX/XXXX. After many attempts at disputing the debt directly with XXXX, in additional to formal police reports and Federal Trade Commission reports filed, I am still being chased down for a debt that is 6 years old. 

I called Jefferson Capital Systems on XX/XX/XXXX to dispute the debt. I received a one-page fraud form in the mail from them on XX/XX/XXXX in which I filled it out and mailed it back. 

Attached you will find my formal police report of the crime committed against me, in addition to the collections notice from Jefferson Capital Systems and the fraud form I filled out and sent back to them. If any additional documentation is needed, I ask you let me know so I can provide it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them in my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX