23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was charged twice on XX/XX/24 for {$160.00}. Only one of the 2 charges is legit. After trying to settle the problem with the merchant, I attempted to dispute the amount with SoFi. SoFi rejected the dispute and sent a generic rejection letter. When I asked why, they said I used my pin in the transaction so it was a correct charge. The issue was that I was charged 2 times so that doesnt really address the issue Im having. I feel that this money was stolen from me and SoFis dispute department has been completely unhelpful. To make matters worse, there is no human being working at SoFi that I can reach to discuss the issue. Customer service person on the phone said its not their department, I cant talk to anyone in disputes and that I have to find another way to contact them some other way. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts 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 be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Consumer Loan

I purchased a Kia Sorento with Capital One financing in XXXX XXXX XXXX 2016 I realized that because of the increased cost of my medical care resulting from my XXXX, Medicare costs going up, and fewer doctors taking Medicare that I could no longer afford to make the car payments. I contacted Capital One about arrainging a Voluntary Repossession. They told me that I had to contact a special department and that someone from that department would call me back. I waited two weeks without a call back. I contacted and called them back. Again the same run around and no call back. I called again the same thing. They are going to force the repossession to be due to non-payment which will have a greater impact on my credit record. And they will probably force a private sale which will cause me to owe more than I normally would after all is said and done.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent correspondence regarding an alleged debt in your possession. 
According to your communication, you claim that I owe a debt to SOUTHWEST CREDIT SYSTE. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. The date the debt was incurred.

4. The total amount of the debt, including any fees or interest.

5. Documentation establishing your ownership or authority to collect this debt.

6. Purchase agreement to show full ownership of such account I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights. 
Kindly send the requested information to the address provided above. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as my Driver 's license and SSN. I have been disputing the information on my Credit Report that are completely unknown to me. I have been also doing some research and discovered that I may be a victim of identity theft and that the items I am disputing are the results such crime. I have also been submitting complaints through the CFPB in hopes that the Credit Bureaus would pay attention to my disputes and remove the items I am disputing. This complaint is already my 6th complaint and the letter I sent was already my 4th written appeal. Under the Fair Credit Reporting Act Section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit File. I have read enough and understand my rights, which is clearly being violated by the Credit Bureaus. I need the following items removed as soon as possible : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT RES CRP Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$820.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I WAS INFORM THAT MY PERSONAL INFORMATION WAS EXPOSE IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN SOME INACCURATE INFOMATION AND ACCOUNTS
Product: Vehicle loan or lease

I have a Good credit score at XXXX points. I have very little debt, compared to my income. I have only ever paid 1 account late, due to becoming XXXX, which caused that 1 account to go 6 months past due, more than 3 years ago. The XX/XX/XXXX agreed to guarantee my loan in full, in accordance with the Transportation Loan Guarantee program provided to people with XXXX, pursuant to the Rehabilitation Act of 1973. However, Navy Credit Union discriminated against me, due to my XXXX, by denying my auto loan application for arbitrary reasons of : 1. Too many recent accounts ( my recent accounts are as a cosigner destructing LLC debt to lower interest rates ) 2. Serious delinquency ( due to my XXXX over 3 years ago, and only on 1 account ) 3. Too many accounts with balances ( I only have 3 credit card balances ) 4. Ratio of balances to credit limit too high. I only have 3 credit cards with less than {$3000.00} in total balances ). 

The reasons for the denial do not accurately reflect my credit report, and credit score of XXXX. Furthermore, I appealed the denial seeking reconsideration given that the State of California, through the XX/XX/XXXX, is guaranteeing the transaction through a Federally mandated program for people with disabilities. 

Navy Credit Union ignored this loan guarantee information and denied my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Hows it possible that youve reported me 90-150 days late with no late payments prior to that? I was never late on this account. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX who is a subsidiary company for XXXX XXXX XXXX have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a Capital One Bank credit card I am still working with capital one one.. They also had someone come by my house!!!!
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run byXXXX and trytn.work which involved me making deposits for a total amount of XXXX from my PNC bank account to fraudulent firm ( s ).
Product: Credit card

I am writing to provide an update on the ongoing dispute concerning the charge from XXXX XXXX XXXX XXXX, which appeared on my Capital One Bank statement dated XX/XX/2024, totaling {$110.00}. 

Upon discovering this unauthorized charge, I promptly initiated a dispute process with Capital One Bank. In response, Capital One promptly commenced an investigation and requested additional information from me. Despite my timely and comprehensive response to their inquiry, it seems that the information provided did not meet their validation criteria. 

In my efforts to resolve this matter, I attempted to directly engage with the merchant, XXXX XXXX XXXX XXXX. However, despite my repeated attempts to communicate via phone, XXXX XXXX has been unresponsive. Its worth noting that their cancellation process is solely facilitated through their app, which I adhered to, and I possess email evidence confirming the cancellation. Curiously, despite my repeated attempts, XXXX XXXX seems adamant about communicating only with Capital One Bank regarding this dispute, rather than directly engaging with me as their customer. 

I am deeply concerned about the handling of this situation by Capital One Bank. Despite previously issuing a credit for this disputed charge, they have since reversed it, leaving the unauthorized purchase still reflected on my credit card statement. 

It is of utmost importance that Capital One Bank takes decisive steps to safeguard its customers ' interests, particularly in cases involving disputed transactions following service cancellations. I urgently request Capital One Bank to conduct a thorough reevaluation of this dispute and to promptly take the necessary actions to rectify this situation.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request your assistance in addressing an issue related to an account reported by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2016, and is currently being reported on my credit profile. I believe this account is inaccurate, and I am requesting its immediate removal from all three major credit reporting agenciesXXXX, XXXX, and TransUnion. 

The primary reason for my request is that I was not of legal age at the time the account was opened. As I was under the age required by law to enter into such agreements, this account should not have been established in my name. Furthermore, despite my attempts to resolve this issue directly with XXXX XXXX XXXX, they have refused to remove the account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be both accurate and timely. Since this account does not meet these standards, it constitutes a violation of the FCRA, which requires that any outdated or incorrect information be promptly corrected or removed. 

Additionally, as per the FCRAs seven-year rule, accounts should be removed from credit reports after seven years. As the account was opened in XX/XX/2016, it has now been more than seven years, and should no longer be reported.
Product: Payday loan, title loan, or personal loan

Hi I recently got a text from a number XXXX said I got approve for a loan they asked for my XXXX and password to verify Nd they put XXXX to my account said I Had to send it back through XXXX to XXXX XXXX number XXXX XXXX and now my account been locked I know its a scam
Product: Checking or savings account

I contacted the company about unauthorized charges I seen on my transaction history. My card was locked during each transaction. They stated the charges will either fall off once there done pending if not Ill be able to dispute the charges. I then contacted again regarding the same issue how are transactions going threw an my card is locked during each. At this point the previous transaction are pending so I then file a dispute. This time they decided to cancel my debit card a send another one. So therefore I have to transfer my funds to access any momey. Once I tried to transfer its stating I reach my limit an it will start over on the XXXX th. While waiting on that to happen. I then received a text message stating my dispute was denied. I asked for the information they used to determine the outcome. When contacted them about the unauthorized transaction. I received another message shorty after me questioning them that my account was suspended due to suspicious activity. Which isnt true because I wasnt able to use my account due to my card being canceled an I was unable to transfer funds. So my account was being used because I was either waiting on my card or my transfer limit to become available again. At that point I asked to be mailed a check because I needed it access to my funds. The rep stated they were investigating an Ill be notified shortly. The account is closed so what was it to be investigated. So therefore I daily finally comes available that I was told XXXX be able to transfer my funds out. Which would have been XXXX XXXX. I tried making a transfer it wasnt successful it stated I reach my transfer limit. I then contacted someone an they stated the day it will come available is XXXX XXXX. As of XXXX XXXX Im still unable to transfer my funds out. An threw the process you cant talk to anyone over phone. They only communicate threw text messages which I think is unprofessional when it comes to someone have issues with there funds
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway through taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX funding account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately
Product: Checking or savings account

XXXX XXXX tried to make a transfer to XXXX  from my HSBC checking account like I had done a multitude of times. Got a call shortly after to confirm that it was me making the transfer. Confirmed successfully as far as I know ( was kinda hard to understand the agent ). Then a few hours later when loging in to check on the transfer got a " creditials suspended '' pop up. Called the number where I was told my account was recommended for closure and then transferred to another team who gave me 0 information regarding the reason.

Every 2 weeks ish after I have chatted and called to try and get information regarding reason but have not been able to get an exact reason beyond " account recommended for closure '' and the process supposedly takes XXXX days. I have $ XXXX sitting in an account I can't access nor have gotten a reason for it being marked for closure. Nor any sympathy about the fact my money isn't accessible. It is ridiculous, and there teams have done nothing but give me the run around.
Product: Credit reporting

Made numerous complaints to Trans Union concerning the XXXX credit item on my credit report. Informed Trans Union that the information from XXXX is erroneous. Just recieved a final report today and the results are quite confusing. For example, XXXX recieved the vehicle in XXXX XXXX and list that my payment hx was " OK '' from XXXX and then it goes up to 60 days etc. It also lists the last payment made on XXXX/XXXX/XXXX of {$700.00} ( impossible ) I also sent to them the bill sent by the company in the amount of XXXX on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : LVNDFUNDING Account number : XXXX This information is being reported incorrectly! 
( Date Verified, Date Last Activity, Date Reported, Date Opened ) Also account was sold to collections agency that is not authorized to do business in my state the account was opened. ( XXXX XXXX Nevada )
Product: Mortgage

Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX. Account balance based upon numbers that they have provided in Section 6 Your Escrow Account History for the Past 12 Months is more than {$10000.00} off for the above-mentioned time period. The numbers on this legally required annual escrow disbursement statement in no way are correct. Ending and Beginning Balances from year to year do not match. There is no disbursement showing for my impounded homeowners insurance, yet references are made to it. Payments into the escrow account are supposed to be the same each month, according to Item XXXX Projected Payments into Escrow ; yet for some unexplained reason around XXXX of some years the amount deposited is greater that the projection. 
Even taking into account homeowner 's premiums that more than likely were paid there is still over a {$5000.00} discrepancy.
Product: Debt collection

XXXX/XXXX/2015 at XXXX XXXX. they called me at my job, my cell, my brother in law & my sister in law saying the following. " My name is XXXX XXXX I am calling from you can not really hear from where. Then she says, I have a affidavit for you to go to court, If I hide from them, then they will do a summons and to call this number XXXX reference # XXXX. I have saved this message. Why would a collection company do that? I am upset. I am also embarrassed that they called my job and family. If I owe them money, I understand, but to go through this tactics that they are doing is affecting me. I am scared. I ca n't not understand why they do this. My XXXX XXXX went, up. I got knots just listening to the message. I need your assistance.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been an American Express cardmember since 1983. I have 3 American Express cards, including a XXXX card for which I pay fees alone of {$5000.00} a year. American Express wrongly charged fees of {$310.00} on my account and has been charging a " delinquency charge '' of {$39.00} a month since then. American Express has recognized its mistake on three occasions but refuses to credit my account for it, despite saying it will do so. I have spoken to a representative for each of the last 3 billing statements and on each occasion the representative assures me that the amount will be credited - but then fails to do so. I spoke with American representative XXXX on XX/XX/XXXX, who said she had " reversed '' the charge. She lied. I spoke with representative XXXX on XX/XX/XXXX. She said I would be " refunded '' for the charge. She lied. The only way I can hold Amex responsible for doing what it says it will do is to contact the CFPB. This has now escalated. The card with the wrong charge is my Corporate Card - and now my employer has started advising me that I am " delinquent '', which is ruining my internal reputation.
Product: Debt collection

I have disputed the debt owed in the current amount of {$1600.00} on XXXX XXXX XXXXXXXXXX/XX/XXXX, and XX/XX/XXXX, requesting the original creditor invoice and agreement to no avail.