23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One offerred a {$200.00} promo to spend a certain amount in a specific time frame. I did and was assured via recorded call that i would see the funds in my next statement. They are not there. Capital One also has refused to CORRECTLY process a dispute. They refuse ALL direct communication with a consumer except through representatives that do not know the language spoken in the US.

I can NOT email Capital One through my portal. The phone calls go out of country. I WANT MY REWARDS.
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 Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX **** Balance Owed : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX  XXXX  XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX Balance Owed : {$1200.00}
Product: Vehicle loan or lease

On XX/XX/19 a letter was sent out from Westlake Financial indicating I owe {$370.00} plus a {$95.00} late fee, Westlake has stated several times that my check was returned when I done even XXXX XXXX XXXX, I called on XX/XX/19 and Westlake customer service rep stated I owe {$600.00}. This company has lied regarding the amount due and owed for a year I paying on this loan. The letter states {$370.00} and I sent {$500.00} before the letter was mailed by XXXX. 

This interest only loan is deceptive and used to charge customers triple the value of a vehicle.
Product: Mortgage

I have a mortgage w ith   XXXX   XXXX   for my  property at  XXXX   XXXX   XXXX   XXXX , PA  XXXX . The loan number is  XXXX  and was originated i n XX/XX/XXXX .  It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.  <P/> I have been paying consistently on this loan and expected that it would be satisfied in   XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX  .  <P/> At the time of the loan origination  XXXX   XXXX  had a contractual relationship  with   XXXX   XXXX   to mana ge the accelerated payments. I was  not aware of this until I called. As far as I was concerned they were one in t he same.  <P/> I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only sav ed one   year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortg age.  <P/> I have issued complaints to both parties.  XXXX   XXXX  does not acknowledge any ownership in this. They believe    XXXX   XXXX   is at fault.   XXXX   XXXX   does n ot respond to the complaints.  XXXX   XXXX  has since severed their contractual relationship with   XXXX   XXXX    w hich, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it.  <P/> I will continue to file complaints un til one or bo th of these parties provide the information that I am entitled to.  <P/>  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Late 120 Days DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Late/Open
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. My report incorrectly lists " XXXX XXXX '' under my employment history, which is inaccurate and must be removed immediately.
Product: Credit card

XX/XX/year>, I ordered a jacket didn't receive the jacket, it took to long they say it was here in XXXX, 2023 I didn't need it by then, other issues occurred, anyway don't have it still paying for the jacket to keep my credit in good standards. Need help with this issue!!! Asap thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$310.00}.
Product: Debt collection

I just want them to investigate XXXX complaint about me owing {$3300.00} and ask them why they didnt respond to the first complaint.
Product: Credit reporting or other personal consumer reports

Recently, I requested verification of the method used to investigate the inaccuracies on my credit report. Unfortunately, I have not received a response from the credit reporting agencies. I believe that XXXX, Equifax, and XXXX have conducted inadequate investigations into my disputes, failing to address them properly. This has caused significant financial hardship and led to missed opportunities. 

I am deeply concerned that my disputes may have been mishandled in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that credit reporting agencies conduct proper investigations into consumer disputes and provide clear and comprehensible results. Additionally, inaccurate or unverifiable information must be corrected or removed from credit reports promptly. 

In this case, the agencies have failed to meet their obligations. Therefore, I request the following actions : If the investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
I request written confirmation of the actions taken in response to this dispute, including details of any corrections or removals made to my credit report. 
I trust that the CFPB will investigate this matter thoroughly to ensure compliance with federal regulations and to hold the credit reporting agencies accountable for their obligations under the FCRA. 

Thank you for your attention to this matter. I look forward to your response and resolution.
Product: Credit reporting or other personal consumer reports

I recently discovered several accounts on my credit report that I do not recognize, which suggests potential identity theft. I believe my personal information has been used without my consent. The fraudulent accounts include : XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$400.00} XXXX XXXX  Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$330.00} XXXX XXXX XXXX XXXX fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$31000.00} Despite my efforts to secure my information, these fraudulent charges have caused significant damage to my credit standing. I am seeking assistance in removing these fraudulent accounts from my credit history and preventing further misuse of my personal information.
Product: Credit reporting

After numerous attempts to rectify this issue with both the company and credit report agencies, the final result is my credit report now has absolutely false information. This has just jeopardized my application to an apartment that I was attempting to move into by the end of the month. How can I be reported as 55 ninety day late payments, on an account that was open for approximately 6 months? As a Financial Advisor at a not for profit, I understand a phrase or XXXX being different but factual figures of what is " owed '' should be consistent. Further, how can someone be " late '' on an account that is open for 6 months, ( which equals roughly 180 days ) 55 times at a rate of 90 days each time? Did that get you confused too? That would mean I had a contract with them for roughly XXXX days. So that would mean I was late everyday for 3 years straight. Can someone please tell me with a straight face that this is fair? 
It seems this organization is maliciously attempting to sabotage my ability to access credit which may have stemmed from a previous attempt to rectify this account via the validation method allowed by NY State 's Fair Credit Reporting Act. Their actions if I am not mistaken, are a complete violation of this Act. I have attempted to work with all the companies involved to correct this situation but it only has gotten me in worst of a predicament. I am now in a position where I may not have a place to live since I have to now explain this situation, which I can not, to the apartment management company who has just seen this on my credit report this week.
Product: Credit card

Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. 

I am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick of dealing with this situation with Equifax, I have disputed information on the XXXX accounts on my report and they are ignoring the law. The are currently breaking the law. I am not a lawyer, but I am a concerned individual, that has invalid, incorrect, unsubstantiated information on my credit report and I want it removed immediately. 

There are multiple laws that Equifax is violating by reporting these false accounts and by law they are permitted to remove them. I have also filed an FTC Affidavit as well as will be filing with my attorney general. 

I am attaching all documentation that I have sent. 

Equifax is in violation of Act 15 USC 1681 subsections : 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b ) 15 USC ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 B
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a bankruptcy on my credit report from a third party even after I have provided proof from the actual court stating that they do not report to any credit reporting companies. 

Sent a letter to the court on XX/XX/2022 to confirm if they report to credit reporting companies. 

Sent a letter to transunion on XX/XX/2022 On XX/XX/2022 the court responds saying they do not report to any credit companies On XX/XX/2022 I send the proof back to transunion from the Court stating they do not report. 

On XX/XX/2022 even after receiving the proof from court they validated this as accurate again. 

They also have updated my name to an incorrect spelling.
Product: Debt collection

Collection is not from original creditor Amsher collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.
Product: Mortgage

I am working on a HELOC and I received notification from the closing company that I have a delinquent tax on my property. I called Newez a couple of times to no avail. I get transferred to another department and no one seems to know what they are doing. 
My concern now is that my escrow payment will be used to pay penalties and interest. 
The tax for XX/XX/2022 was paid on time, and also the one for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$460.00}
Product: Debt collection

Subject : Cease and Desist Demand To Whom It May Concern at AmSher Collections, I am writing to formally demand that you cease and desist all collection activities related to the alleged debt associated with XXXX, account number ending in XXXX. This demand is based on significant legal grounds and discrepancies in your claim. 

1. **Incorrect Address : ** The address listed in your correspondence is not one with which I have any association. I have never resided at or been affiliated with that address in any capacity. 

2. **Inaccurate Debt Reporting : ** According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), you are obligated to ensure the accuracy of reported information. The alleged debt amount has discrepancies. I contacted XXXX and was informed that any device in question is to be shipped immediately. Furthermore, the amount claimed has been disputed, is not as was stated as {$1800.00}, as your notice states. 

3. **Fraud Investigation : ** A fraud investigation has been initiated due to the alleged application process demonstrating characteristics of an adhesive contract, constituting a breach of the Truth in Lending Act ( TILA ). I have alerted XXXX to these concerns directly. 

XXXX. **Unauthorized Collection & FCRA/FDCPA Protections : ** As per 15 USC 1681b ( 2 ) and the Fair Debt Collection Practices Act, I do not authorize or enter into any agreement for collection of this alleged debt. Your current actions may violate federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

5. **Licensing Violations : ** It has come to my attention that you are not licensed to operate or collect debts in either the state where I currently reside or any states where I have resided. This constitutes a further violation of legal standards governing debt collection practices. 

Given these circumstances, you must immediately cease and desist any further attempts to collect this alleged debt until these issues are resolved and validated to adhere to federal and state legal standards. 

Further contact must only occur if it involves documented proof of validation of this alleged debt, and any errors or fraudulent activity must be rectified before any attempt to collect is initiated. 

Failure to comply with this cease and desist demand will leave me with no alternative but to consider all legal remedies available, including reporting to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] ]
Product: Debt or credit management

I am writing to file a formal complaint against National Debt Relief regarding their handling of a recent transaction and their refusal to honor my request for a refund. I believe their actions violate my consumer rights. Below, I outline the details of the situation : XXXX. Date of Contact and Request : On XX/XX/year>, I contacted National Debt Relief to request the cancellation of a scheduled payment of {$XXXX} set to be deducted from my account on XX/XX/year>. I was informed that it was too late to stop the transaction, which I understood. 
XXXX. Subsequent Request for Refund : I explicitly instructed National Debt Relief that once the XX/XX/XXXX payment cleared, they were not to use the funds for any settlements and that the money should be refunded to me. Despite my clear request, they disregarded my instructions and informed me the money would be used for a settlement without my consent. 
XXXX. XXXX of Events : The {$XXXX} payment was taken from my bank account on XX/XX/year>. 
National Debt Relief informed me the funds would clear on XX/XX/year>. 
I repeatedly reiterated my request for a refund, but they refused to comply, stating the funds had already been applied to a settlement.

4. Violation of My Rights : I believe National Debt Reliefs refusal to refund my money violates my rights as a consumer. I have the right to control how my money is used, especially after making a clear request. Their unwillingness to respect my instructions has caused unnecessary stress and financial difficulty.

5. Nature of the Company : National Debt Relief is a debt consolidation company that works on behalf of clients to settle debts. However, in this instance, they have failed to act in my best interest or honor my explicit requests.

Resolution Sought : I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that National Debt Relief issues a full refund of the funds in question. Additionally, I ask that steps be taken to ensure this company adheres to proper consumer protection practices in the future.

Thank you for your time and assistance in this matter. I am happy to provide any further details or documentation needed for your investigation.
Product: Credit reporting or other personal consumer reports

I reacheed out to yu all early XXXX of XXXX and I am very disappointed in your respoinse, the issues were not resolved and I am still going through these issues. There are 2 collections that are on my credit files that do not belong to me and must be removed asap. They were caused by identity theft I am assuming. ALl I know that I DID NOT CONSENT TO DOING BUSINESS WITH THESE 2 COMPANIES NOR WAS I AWARE OF THESE COMPANIES UNTIL XXXX OF XXXX WHEN I INITIALLY REACHED OUT TO YOU ALL. YOU KNOW THAT YPU ALL ARE VIOLATING MY RIGHTS AS ACONSUMER AND THAT BY FURNISHING INFORMATION THAT I DID NOT AGREE TO MOR WAS I AWARE OF I CAN TAKE LEGAL ACTION WITH YUR COPANY FOR FALSELY REPORTING INCORRECT INFORMATION... There is also a Collection reporting on my child support,, i was never late and that needs to be removed asap! 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information to my credit report. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud therefore you can not legally report this alleged late payment to my credit report AND 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore you can not legally report this information. 

PLEASE ESOLVE THIS MATTER ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in the unauthorized opening of multiple fraudulent accounts in my name. These accounts were established without my knowledge or consent, and I am requesting your immediate intervention to address and remove them from my credit report. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and expect these fraudulent accounts to be expeditiously removed to ensure the integrity and accuracy of my credit profile.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry made on XX/XX/2023.
Product: Debt collection

I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXX/XX/XXXX281 SW 715,719, I PRESUME that no proof of the alleged debt, in fact therefore exists. Also community first have not provided license to collect a debt in my state to collect any debt, furthermore I do not consent to ANYTHING being furnished on my consumer report. 

XX/XX/XXXX