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

Capital One is still charging me for a product that was not as advertised. I signed up to the website opricot.com which is a site that organizes options data. I was misled on the site thinking the information would be real time or updated often. Which is not the case here because the data randomly updates every few hours which makes it almost useless to trade with. I decided to keep trying it out to see maybe if they would update the information faster or if it was still usable but then I was unable to log into my account. I tired everything. I contact the site through the messaging system and checked for any updates. There is no contact information or phone number which should have been a red flag but I though that capital one would protect me. I filed the first dispute and received my {$45.00} credit but was reversed after XX/XX/XXXX claimed I was still logging in and left my account active. I was attempting to log in to remove my credit card details but the only way to do that is if you cancel your renewal at the end of the month. If you cancel the auto renewal you must close out the whole account. So you are forced to leave in your credit card details and keep auto renew enabled unless you permanently close your account which I did not want to do so I could collect evidence for my dispute. The site seems very suspicious and I have opened a ftc complain which I will attach.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXX XXXX XXXX This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports. 
Thank you for your attention to this matter. I look forward to your prompt and complete response.
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 Bank Account : XXXX, Account name : XXXX XXXX XXXX Account : 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, credit repair services, or other personal consumer reports

I owe XXXX XXXX  approximately {$100.00}. They reported me to the credit bureau for {$1600.00} under XXXX XXXX Also XXXX XXXX reported me to Experian for a XXXX  bill I am not aware of. I dont know who this XXXX XXXX XXXX company is or where they got my information but they are guilty of fraud!!!
Product: Debt collection

After a careful examination of my recent credit report, I identified several accounts that appear to be incorrect and were included without my knowledge.
Product: Mortgage

Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a  XXXX  lien. We negotiated the $  XXXX  balance down to {$23000.00} of which I paid off {$11000.00} in  XXXX   XXXX . I have letters from  Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa  program. T he DIL  was finalized on  XXXX   XXXX ,  XXXX . However,  Ocwen fail ed to pay off the  XXXX  lien to  XXXX  Bank. The loan was initially given to  XXXX   XXXX  and now the law firm of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is handling it. They just contacted me have given me until the end of the month to pay the remaining balance  that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens  history of being able to complete things on time I am worried that this will not happen before  XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for  whatever amount   XXXX   XXXX   takes me to court for which could be anywhere from $  XXXX  {$25000.00}.
Product: Debt collection

radius global has a collection on my account they refuse to remove. 
this is no my account. 
i do not have a contract agreed to pay with my wet ink signature and they have no legal validation not verification.
Product: Debt collection

I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.
Product: Debt collection

I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt. 
2. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent 3. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt. 
4. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy 5. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization. 
6. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt. 
7. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act. 

The following account needs to be removed from my consumer reports immediately : XXXX. XXXX Date Opened : XX/XX/year> Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my Transunion and XXXX reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my Transunion and XXXX reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Equifax, and XXXX on XX/XX/22 disputing an account on my credit report that they are inaccurately reporting. The account in question is XXXX XXXX XXXX XXXX. The information across all 3 bureaus is inconsistent and incorrect. XXXX and Equifax are reporting different late payments, but how can this be when the data furnished should be the same? Also, I was never late on this account because I was on deferment due to covid. I am actually protected under the CARES ACT so I am not sure why this hasn't been updated. Another violation is that XXXX has no payment history-only has it as being charged off, but somehow the other 2 bureaus are reporting late payment history along with it being charged off. I have tried to have this information corrected for over 4 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. Please find the credit reports attached. Please conduct a proper investigation and update this account. My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize authorizing a credit inquiry from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL FTC VIOLATIONS ENCLOSED The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : MortgagesXXXX XXXX, XXXX XX/XX/XXXX - ... stop collections on an additional XXXX accounts to settle the FTC 's charges that the company violated the FTC Act. XXXX will pay another {$2.00} ...
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on HARLEY DAVIDSON FINA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EXPERIAN for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submission EXPERIAN consistently responds within 24 hours stating the accounts are accurate without providing and evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) ,15 U. S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore EXPERIAN actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceedings File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure EXPERIAN complies with federal laws and provides consumer with the necessary proof of investigation. This are the collections accounts that I marked inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I want reported accounts removed off my credit report
Product: Money transfer, virtual currency, or money service

During XXXX time I needed help in order to start my business, that is why I set up a paypal fundraiser to receive donations. my credit grew and paypal just froze my account. when I called in they said that the funds will be available in 180 days. 
now 180 days later I still can not access my money it seems that paypal did steal all donations I have received for a total of {$6200.00} I need help to recover my money Paypal is a FRAUD and should be not able to just rob their users wallets!
Product: Credit card or prepaid card

I received an offer from Capital One for 0 % interest and 0 % Transfer fee. However as soon as I transferred the money over to them from. my other credit card they started charging me interest. I was never told this nor did it say anywhere in writing. So When I went and checked my balance they charged me {$3.00} and some change. I was upset over principal of not being told and I took the matter up with a supervisor. The supervisor said nothing she can do to remove the fee. All I can do is just pay of the card to stop it. So I asked her what the balance was on the card and she told me {$2200.00} so I paid {$2200.00} to be safe on XX/XX/XXXX. She told me I would be paid in full. Now a month later XX/XX/XXXX they send my statement and it showed {$4.00} when I called they told me it was {$4.00} so I asked what is the real amount they told me to pay {$4.00} so I again I asked to have it removed since I spoke to their supervisor that told me the payoff balance. They threw it back at me and told me I could have looked it up on their payoff calculator. I told them should I not trust your supervisor. They said yes you should so I said why would I doubt her. So again I asked to have the {$4.00} removed and she said no. So I just paid {$4.00} today XX/XX/XXXX. Capital One stole $ 7and some change from me today. Yes I know it is not a lot but I guarantee if you look into it they are doing it to all their customers and that {$7.00} x millions ads up! I wish to have my money returned and put Capital One on notice in public record what crooks they are. thanks and I look forward to your resolution.
Product: Debt collection

I disputed an account listed on my credit reports by XXXX XXXX, XXXX hat did not belong to me and it was removed because they could not verify it. Apparently XXXX XXXX, XXXX then sold it to Transworld Systems Inc. and it was added to all three of my credit reports. I did not receive a dunning notice nor a notice of my right to dispute before that added this account to my credit reports. I wold like the erroneous debt removed from my credit reports immediately
Product: Debt collection

Portfolio Recovery Associates failed to validate an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite multiple written requests, this collection agency has failed to provide verification, validation, or the name and address of the original creditor for the following account : Account Name : Portfolio Recovery Associates Account Number : XXXX Additionally, XXXX and XXXX continue to report this unvalidated account despite my repeated disputes. These credit reporting agencies have failed to properly investigate and correct the inaccuracies, further violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

These violations have caused undue harm by negatively impacting my credit score and denial of credit. The collection agencys failure to validate the debt, coupled with the credit bureaus refusal to correct or delete inaccurate information
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that, for the third time, a fraudulent account is appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance is showing same account multiple times on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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

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 Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. 
ACCOUNT PAID IN FULL AND CLOSED, THERE IS UNAUTHORIZED RE  BILL CHARGES THAT WAS RESOLVED AND SETTLE AFTER ACCOUNT CLOSURE.
Product: Payday loan, title loan, or personal loan

The problem I am having is the company wants to charge an excessive amount and posted that excessive balance on my credit
Product: Debt collection

I became XXXX in XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XXXX. Rec 'd notice of intent to foreclose from XXXX XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XXXX, discharged XXXX. XXXX XXXX XXXX completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to Nationstar. Nationstar continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. XXXX XXXX XXXX went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by XXXX months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay XXXX XXXX XXXX, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. XXXX XXXX XXXX should never have sold this nonexistent mortgage. I communicated all of this information to XXXX XXXX XXXX, countless times, and then, to Nationstar. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.
Product: Debt collection

There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.
Product: Credit card or prepaid card

I have an XXXX  XXXX AAdvantage Platinum Selected card that I opened 4 years ago. One of the " benefits '' is a {$120.00} XXXX XXXX XXXX Discount after spend {$20000.00} or more in purchases during a year. Although I have spend that amount I have never received the discounts. I have contacted Citi Bank on XX/XX/19 5 times and any of the customer services agents that I talked with have not been able to help me. Although they have confirmed that I have spend the $ XXXX they put me on hold to transfer the calls but the calls never go through. 

I think this is a deceptive tactic from Citi to do not honor this benefit.