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

On XX/XX/, I deposit a IRS CHECK to Capital One in the amount of {$2800.00}. I expected the money to be held u til the next business day. 

When I found that The check was being held, Capital One agents in the XXXX told me that an investigation was being made because the check was likely fraudulent or could be fraudulent. 

A person representing Capital One investigation department informed me that the check the IRS GAVE ME WAS not RIGHT and demanded that I turn over any information they have me and that I will not receive the funds u til an investigation was conducted as to why I received a check. 

I sent them the requested information and asked them to return the check to me and to close out my account. I told them that they have no right to dispute or dictate a check from the United States Treasury Department. The check was issued and my bank account was legitimate and everything was proper. 

I was told that they could hold my funds for 60 days if the IRS approved the check. 

I did nothing wrong. I was treated like a criminal and my money withheld. 

Their position is that many people have created fake IRS checks and defrauded the Governments and Capital One was taking a stand. I told them their position has nothing to do with me. But yet they indicated that they will investigate my check and withhold funds up to 60 days. 

They did not accuse me of submitted a fraudulent check. They indicated that this is something they are allowed to do. 

My phone number is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Original creditor : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Leafy Financial LLC , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On, or about XX/XX/2018 I responded for a solicitation from Prosper.com for a  preapproval for a {$35000.00} loan. I was approved " pending verification '' of credit, income, etc, for a {$35000.00} 60 month loan at roughly 13 %, with around a 16 % apr. 

I submitted all of my income for verification, and was told that {$50000.00} of my {$200000.00} in income couldn't be verified or used for the loan as it is rental income. They did " verify '' {$150000.00} of income, but told me I no longer qualified for the {$35000.00}, that they could only extend {$25000.00} based on the income they could verify. I agreed to move forward with a new application, verifying they wouldn't pull my credit again ( they used the same credit hit and score for both applications ). They reiterated that this the new loan application for the lower amount would still be a consolidation loan, paying off {$25000.00} of my existing debt, which is the case. 

They came back with an offer which included a rate literally 2x higher then my original offer, sighting higher " debt to income ratio. '' I asked them to lower the loan amount to get the " dti '' in line with the original offer, so I could get the original rate offered ( I did the calculation, and the " dti '' ratio on the new offer of {$25000.00} with the lower income of {$150000.00}, is actually LOWER then it was with the {$35000.00} loan offer with {$200000.00} in income!! ). They said they would not do this. 

This is a clear " bait and switch '' and a violation of banking Regulation B and other Fair Lending Laws. As I understand it, they can not charge a different rate to clients with the same credit profile ( credit score, dti ratio ). They are claiming my rate went up because the " dti '' changed from one application to the next. I know it did not. The lower loan, with the lower income, came to a lower ratio, and should have lowered my rate, if anything. 

This is a predatory lending practice, and should be investigated. I'm sure I'm not the only consumer who they are taking advantage of in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company is violating serious laws. I have requested a investigation and have not been provided the information requested as given to me by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX Funding # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from  XXXX   XXXX   XXXX . This company has not and could not provide information like documents bearing  my signature that I owe ( {$540.00} ) to them or to any company. I want signed  documentations from this company saying that I owe the amount they are trying to collect. I have written letters  to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the   collection agency.  XXXX  and  Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing  my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Product: Payday loan, title loan, or personal loan

ON XX/XX/2021 revoked my ACH debit authorization from the organization so i can have better control over my account. I never said I would not pay. The response I got was they would garnish me. I don't think it is necessary to threaten me with garnishment just because i do not want auto debits done to my account.
Product: Mortgage

We submitted a request for a short sale after being denied for a loan modification multiple times. During the short sale process we had the property appraised multiple times and were finally able to secure a buyer willing to take on the challenge of purchasing this property with an offer price of $ XXXX. The property has many repairs that are needed and we were not able to get the property approved for an FHA purchaser. 

The lender appraised the property on XX/XX/20 and the valuation came back at $ XXXX. This made no sense since the new and renovated properties in the area were being sold for that value. The buyer decided to dispute the value and had an independent appraisal and inspection completed and the value came back at $ XXXX. The buyer increased the offer to $ XXXX. 

On XX/XX/20 the lender had another appraisal completed since the previous valuation had expired. The new interior valuation completed by the lender came back at $ XXXX. However, we received an email from the lender representative stating that they are not accepting the new valuation and have extended the XX/XX/20 valuation until XX/XX/20. That would make the XX/XX/20 appraisal 234 days old and far outside the 120 day deadline. 

I am not sure why the lender keeps making me jump through hoops or why they want to continue to ruin my credit by not allowing me to complete the short sale with a willing buyer at their own XX/XX/20 and current appraised value. It feels like they are just trying to stick it to me and feels more personal than business.
Product: Money transfer, virtual currency, or money service

I tried to purchase a used motherboard from XXXX but the supplier took it off right when i tried to pay. So XXXX cancelled the transaction, but paypal tried charging me anyway 5 times XXXX even though there was no purchase and i have my paypal account set that it can not charge me multiple times for the same item. I have no idea how this stuff can happen to people??????? I went and read the reviewes of paypal on XXXX, this stuff happens to sellers and buyers every day on XXXX. This kind of fraud need to be regulated better so people are not put in this situation. It was sunday, grocery day and we have had to suffer with no food or anything for 4 days now till another payment hits our account. this is obsurd that banking institutions can do this to people on a daily basis?????? This has happened to me three times now on paypal, I am closing paypal immediately ... ....
Product: Credit reporting or other personal consumer reports

This issue is regarding the reporting of student loans on my credit report because they are a clear violation of my rights under 20 USC 1232g - the Family Educational Rights and Privacy Act ( FERPA ) and the provisions of the Privacy Act of 1974. I believe that my request for removal of these student loans from my credit report aligns with my rights as per 20 USC 1232g, which states in part, " No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing education records ( or personally identifiable information contained therein, other than directory information, as defined in paragraph ( 5 ) ) of students without the written consent of their parents to any individual, agency, or organization. '' Furthermore, Section 7 of the Privacy Act of 1974 provides individuals with the right to access their records and request amendments if they believe that the data is inaccurate, irrelevant, untimely, or incomplete. Specifically, it states that, " Each agency that maintains a system of records shall ... maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to ensure fairness to the individual in the determination. '' As a federally protected consumer, I have the right to have the correct information reported accurately on my report and XXXX, XXXX, and XXXX ; by way of Aidvantage and the Department of Education, have been misusing my credit file by reporting my student loans, without my expressed written consent. So per the FCRA and 15 USC 6802e ( 2 ), because they do not have my consent, I am opting out of them reporting student loan information on my credit report, effective immediately.
Product: Debt collection

To whom it may concern, I am writing to dispute certain inaccurate information appearing on my credit report maintained by your bureau. Upon viewing my credit report, I noticed discrepancies in the account section, which I believe is inaccurate. 

Below are the accounts that need to be reviewed and potentially removed or corrected from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I certify that the information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to ani one who received my credit report in the past 6 months. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau ( CFPB ) Complaint** **Your Information : ** - **Name** : XXXX XXXX - **Address** : XXXX XXXX XXXX - **City, State, ZIP Code** : XXXX, XXXX  XXXX **Complaint Details : ** - **Complaint Against** : XXXXXXXX XXXX XXXX XXXX XXXX  - **Address** : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX*Subject** : Violation of FCRA - Impermissible Purpose for Obtaining and Reporting Bankruptcy Information **Complaint Description** : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the handling of my bankruptcy information. Specifically, XXXX XXXX XXXX obtained and reported bankruptcy information about me without a permissible purpose, as required by the FCRA. 

**Details of the Issue** : XXXX. **Impermissible Purpose** : According to 15 USC 1681b , a consumer reporting agency may only furnish a consumer report under certain circumstances, such as with the written instructions of the consumer, in connection with a credit transaction, employment purposes, underwriting of insurance, or other specific reasons outlined in the FCRA. XXXXXXXX XXXX XXXX obtained my bankruptcy information without such a permissible purpose. 

XXXX. XXXX*Improper Acquisition of Information** : XXXXXXXX XXXX XXXX claimed to have received information pertaining to my bankruptcy from publicly available records. However, to obtain information from the Public Access to Court Electronic Records ( PACER ) system, one must create an account, and the U.S. Bankruptcy Court does not report information to any third party directly, as confirmed by the court clerk. 

XXXX. **Failure to Ensure Accuracy** : As stated in 15 USC 1681e , consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting my bankruptcy without direct access or verification from the proper channels constitutes a failure to ensure accurate and verified reporting. 

XXXX. XXXX*Consumer Rights** : Under 15 USC 1681c , the FCRA provides specific guidelines on what information can be included in a consumer report and for how long. XXXXXXXX XXXX XXXX  ' actions have resulted in inaccurate and potentially damaging information being included in my consumer report. 

**Requested Resolution** : XXXX. Immediate removal of the bankruptcy information from my consumer report. 
XXXX. Written confirmation that this information has been removed and will not be reported in the future. 
XXXX. Assurance that XXXXXXXX XXXX XXXX will comply with all relevant provisions of the FCRA moving forward. 

**Attachments** : - Copies of correspondence with XXXX XXXX XXXX- Proof of submitted documents and requests - Copies of the letter received from XXXX XXXX XXXX  dated XX/XX/year> Please investigate this matter urgently and ensure that XXXXXXXX XXXX XXXX  complies with the legal standards for credit reporting. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

1. XXXX provided emergency medical services to me on or about XX/XX/XXXX at XXXX XXXX XXXX in XXXX, Illinois. 
2. At the time of services rendered, I was insured by a healthcare plan administered by XXXX XXXX XXXX XXXX. 
3. I submitted his insurance information to XXXX XXXX XXXX via its patient portal on or about XX/XX/XXXX. 
4. XXXX never sent a bill to me for services rendered, nor did XXXX file a claim with XXXX XXXX , XXXX. 
5. XXXX, having access to my valid insurance information and in its failure to make a good faith attempt to file a claim with XXXX XXXX XXXX XXXX, placed a bill for the amount of {$970.00} for collection with HRRG on or about XX/XX/XXXX. 
6. In an attempt to collect a debt, XXXX and HRRG have refused to comply with requests to validate indebtedness by providing detailed information related to the services rendered by XXXX and its management of a claim with XXXX XXXX XXXX XXXX. 
7. The latest attempt to verify the debt occurred on or about XX/XX/XXXX, wherein I received a letter from HRRG which briefly and simply stated the debt had been validated with their client, providing no further detail. 
8. The acts of XXXX and HRRG as alleged above, were done and performed wantonly, willfully, and maliciously, in total disregard of my rights. 
9. The aforesaid actions of Defendants were in gross violation of the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692, et seq. ) 10. The aforesaid representations made by HRRG to me were fraudulent, in that XXXX never attempted to bill me for services, never attempted to file a claim under my healthcare plan administered by XXXX XXXX XXXX XXXX, HRRG and XXXX never made a good faith attempt to validate the alleged indebtedness even after they were informed of their error by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights XXXX U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach, their website claims my wife and I were effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on DPT EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6, 7, and 8 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On XXXX it shows last activity was ( XX/XX/XXXX ), On XXXX it shows that the last activity was ( XX/XX/XXXX ) & On Experian it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across ALL so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( XXXX ) ( XXXX ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between XXXX, XXXX XXXX Experian, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies may be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.