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

XX/XX/2019 walmart rewards credit card was taken over by capital one from XXXX XXXX. XX/XX/2019 I mailed a check totally {$180.00} to Capital One per the credit card statement I got in the mail. On XX/XX/2019 the check cleared my account as an automatic debit, then 2 days later on XX/XX/XXXX Capital One stated the amount was returned to my account due to insufficient funds. On XXXX XXXX stated the process of contacting Capital One due to Capital One charging me late fees and then in order to get my account in ok standings I had to pay double the minimum payment and was charged incorrect interest, since this time I have spoken to 25 different people at Capital One. XXXX, XXXX, and now XXXX from the Financial Resolutions Center Senior Account Specilist have contacted my bank with me on a speaker call and the bank has verified the account was never negative and the total of {$180.00} was taken from my account and never returned. No matter who I talk to no one can help me they tell me someone else needs to fix it. I have also stopped receiving the calls set up by the reps. XXXX has told me she can credit my account but will not do it due to needing to locate the money. I have contact the XXXX and they have not gotten a response from Capital One. I have spent countless hours trying to just get to the same person I last spoke to on the issue and cant ever get to that person. For an upper account rep to tell me they can credit but will not is extremely unprofessional to me. Capital One requested a copy of my check which I cant provide to them due to the automatic debit that was taken from my account. They are not accepting my bank statement that clearly shows it was aken out of my account and no insufficient funds charge. This was asked of me after I wss told by XXXX and XXXX they will not accept a paper copy of my statements, they stated they do not accept that form of verification yet now I'm being asked to provide this.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

ChexSystems , Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that ChexSystems immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for ChexSystems to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from ChexSystems within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that ChexSystems will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX someone took XXXX dollars out of my acct via our " debit card '' through an ATM at BOFA in XXXX AZ ... it happened 2 hours prior to my call and I had our bank card in our pocession the entire time ... BOFA credited my account and then took it out later stating fraud was not committed ... and closed out the claim ... all they said when asked how they came to the conclusion was that chip was read ... ..I asked about video surveillance and was told they NEVER did it ... .they suggested I call Police which I did ... 
Still no resolution ... .now it's thievery on BOFA because they stole my XXXX dollars without proof of fraud!!! Until I have resolution I am filling a complaint with Federal Reserve and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 


U.S Code, 15 U.S.C 1681et seq, Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge you to demonstrate the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewhere delete the alleged inquiries immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} The account labeled as XXXX XXXX with Date Opened : XX/XX/XXXX has been incorrectly reported with a Balance of {$6400.00}, which is higher than I recall. This account was presented as closed, and therefore, the Past Due amount is not applicable. I am pursuing direct communication with the creditor to address this issue. I kindly request that your agency report this account as disputed during my efforts to resolve it. 
Account Identifier XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$940.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX has a Balance of {$100.00}, which does not align with my recollection of a lower amount. The inclusion of a Past Due amount for a closed and charged-off account is inaccurate and has negatively impacted my credit score. I intend to reach an agreement with the creditor to rectify this data. I request that your agency mark this account as disputed to prevent further harm to my credit score. 
Account Identifier : XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1000.00} The account labeled as XXXX with Account XXXX XXXX XXXXXXXX and Date Opened : XX/XX/XXXX is not mine. I request the removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother passed away XXXX months ago and she had a reverse mortgage on her property. We opted for a " Deed in lieu of Foreclosure Agreement '' on XXXX/XXXX/15. The mortgage company will not take ownership until the property is settled ( not scheduled for at least XXXX days ). On XXXX/XXXX/15 we discovered that the mortgage company placed a lock on my mother 's home without any notice or before they took ownership of the property. In XXXX, it is illegal to lockout a resident unless they have proof of ownership. I have the deed to my mother 's house in my possession and the mortgage company does not own at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX  accounts XXXX XXXX  {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXXXXXX XXXX  {$720.00} XXXXXXXX XXXX  {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

1. Provide a full accounting of the charged-off debt, including whether it was forgiven or canceled.

2. Issue a Form 1099-C for the cancellation of the debt, as required by IRS regulations .

3. Update the accounts status with all credit reporting agencies to reflect a {$0.00} balance if the debt was canceled, in compliance with FCRA rules.

4. Cease reporting any inaccurate or unverifiable information to credit bureaus, ensuring compliance with both FCRA and IRS requirements.
Product: Debt collection

Company keeps sending letters in mail and calling me for a debt. This debt is from XXXX XXXX XXXX XXXX and was disputed due to balance billing, and charging me XXXX more than the EOB from Insurance ( including the downpayment, see date of downpayment XX/XX/22 ). I requested the itemized invoice now 4 times and have not received it. XXXX XXXX XXXX XXXX XXXX has now sold the debt to a collector instead of resolving the problem with me and now the collector wont leave me alone. At this point its been over 18 months since the claim was made to insurance and even if I got the paperwork I dont think insurance will fix it since its been so long. If I had received the paperwork within the 30days required by law, I would have been able to get it fixed.
Product: Debt collection

We moved out of apt was on month to month basis they charged us for not giving a thirty day notice.. We never received an itemized statement from the apt manager. Then started receiving very rude phone calls from collection agency and he called my place of employment being very rude to my co workers. Saying if i dont pay he was ginna attach my wages and he said he has a law suit pending against me which i have no knowledge of.
Product: Credit reporting or other personal consumer reports

The following inquires was not authorized by me. I need them removed off of my credit report. 

* XXXX XXXX  - XX/XX/year> and XX/XX/year> * XXXX XXXX * XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate addresses on my account and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) Has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward Consumer provided to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected NOR removed disputed items despite evidence I have provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I recently used a XXXXXXXX XXXX XXXX card backed by Comenity Bank for Rewards purposes. I made a total charge of {$53.00} on the account after which I had said this account up on auto pay. afterwards I lost my debit card and replaced it and this happened to be XXXX of the companies I forgot to update the new debit card information. this company never sent me any notices letters anything telling me that I had late fees racking up. Long story short, this company has racked up over {$200.00} in fees for a purchased of {$53.00}. I sent them a letter explaining my extenuating circumstances, explaining the loss of my auto pay card and that I could prove the legitimacy of my claim with a letter from my bank. However, they simply replied to me with a message that said they would not remove even a dollar of my fees and charges and that they were entitled to They're excessive fees unreasonable rates. So, the payments that I did make on the card went straight to the interest and charges, and did not touch what my small purchase amount was so my interest & fees continue to rack up, well over XXXX XXXX 

I feel this company 's practices violate several consumer protection and fair trade policies at the national and state levels, including but not limited to : the Truth in Lending Act ( TILA ), Credit CARD Act of XXXX, Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulated by the CFPB, XXXX Usury Laws and Antitrust and Competition Policies. 

Thank you kindly for investigating the matter..I also plan to file an XXXX suit with XXXX XXXX and also report their practices on ALL available review platforms as well as social media sites.Your time is greatly appreciated. 

Respectfully XXXX XXXX XXXX with Comenity - XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Mountain America Credit Union has a block on my credit card. They stated that my car loan is passed due 60 days and all of my accounts have been blocked by Mountain America Credit Union. They have denied me access to my accounts which I have been making payments on other than the car which was voluntarily surrendered.
Product: Credit reporting or other personal consumer reports

There is a student loan with the balance of {$3700.00} that I do not have anything to do with.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate this account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 



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  Acct # XXXX 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 contacted Transunion by phone on several occasions regarding the discrepancy that I had with my credit report balance reflecting a much higher balance ( {$340000.00} ) than its original principal balance ( {$340000.00} ) on my mortgage loan with XXXX. I've filed disputes over the phone and online, with an end result of " nothing. '' I even generated a correspondence dispute through the mail on XX/XX/23, and still no response. I've been pursuing this for the last month with no solution. Even when attachments were submitted with the dispute online, the end result of the investigation led to nothing. The customer service representatives that I've spoken to, I assume, are documenting the disputes being reported, but as of today, still there's no closure to this issue. The confirmed balance of ( {$340000.00} ) is indicated on the " Verification of Mortgage, '' dated XX/XX/23 from XXXX XXXX XXXX. This issue has been a drag when it doesn't have to be. The TRUTH of the matter is written in black & white, but Transunion continues to ignore this discrepancy, which by law, violates the federal Fair Credit Reporting Act ( FCRA ). Transunion fails to be transparent in every way, shape or form. And because of this, I'm pursuing this complaint to hopefully remedy this situation that's causing me much anxiety and stress. My rights are being compromised as a consumer and I'm hoping to resolve this as soon as possible. Thank you!
Product: Debt collection

asked for debt validation and have not received any. This is officially the last request before litigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request and Cease and Desist Notice Dear XXXX XXXXXXXX XXXX XXXX , I am writing to formally dispute the validity of the debt referenced in your recent communication dated XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Validation of Debt : The amount of the alleged debt. The full name and mailing address of the original creditor. Documentation showing that you have verified I am responsible for this debt, including a copy of any judgment. Proof of Late Payment : Detailed records of any late payments reported, including dates and amounts. 1099-C Form for Charged-Off Accounts : A copy of the 1099-C form issued for the cancellation of this debt, if applicable. Proof of Account Ownership : Documentation proving that you or your company owns the debt, such as a bill of sale, assignment, or receipt from the original creditor. Account History : A complete account history, including all transactions, payments, and charges. Cease and Desist : Please communicate with me only in writing and cease all phone calls immediately.

Credit Reporting : Remove any negative information related to this debt from my credit report until the debt is validated. Statute of Limitations : If this debt is beyond the statute of limitations, please be reminded that it is no longer legally enforceable. Additionally, I would like to inform you that any further attempts to collect this debt / report misleading information via ( credit bureaus ) to my credit report without providing the requested validation will be considered a violation of the FDCPA. Such violations can result in penalties, including fines up to {$1000.00} per violation and potential damages for any harm caused. Please consider this letter as a formal dispute and request for validation. Until you
Product: Debt collection

I continue to receive phone calls from a company at XXXX. They identify themselves as Acme Debt Collector. They are looking for a person by the name of XXXX. I have explained to them that it is the wrong number. I have asked them to remove me from their calling list, however they continue to call.