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

Capital one credit card closed my two credit cards for absolutely no reason. Ive tried to call them and speak to them at capital one but they always responded with same generic answer that they cant reopen accounts because they dont have authority. I dont understand how any government agency can call themselves a governing body when they allow these banking institutions to do anything they want. I never violated any user agreements. Bank had no authority to close my account and it should be opened immediately. I had absolutely followed all user agreements to the best of my capabilities and never violated any agreements. Capital one simply closed my accounts because they felt like it. Which is illegal, and criminal and should be fined by federal government so this never happens again to me or anyone else
Product: Credit card or prepaid card

Please verify and account that account belongs to me since my name and adress are wrong .Per credit fair report act any inaccuracies such as : incorrect name and adress should be deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/year> -- trying to cancel account and delete data via web browser, certain to use desktop site. There is no delete option. Must call to delete account. Changed address to XXXX address. No delete option available. Must call to delete account and data.
Product: Vehicle loan or lease

Dear Capital One Auto Finance, I am writing to formally express my dissatisfaction with your handling of my loan payoff and lien release process. On XX/XX/year>, I paid off my auto loan in full. As of today, XX/XX/year>, I called your customer service department to request the release of the lien on my vehicle title. To my surprise and frustration, my request was rejected. 

Your agents informed me that Capital One Auto Finance would not send the necessary documents to the Arizona Department of Motor Vehicles ( AZ DMV ) to file the lien release on call beginning XXXX XXXX XXXX XXXX, XXXX XXXX. This is an unacceptable situation, as I have fulfilled all my obligations by paying off the loan, and I expect Capital One Auto Finance to promptly and correctly release the lien with AZ DMV, as required by law. 

Please address this issue immediately and ensure that the proper documentation is sent to the AZ DMV so that the lien can be released without further delay. I expect a response and resolution to this matter within the next five business days. Without proper response from Capital One Auto Finance within timely manner, Im intended following with other legal actions permissible by law.

Thank you for your prompt attention to this issue. 

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

I recently checked my credit report and noticed incorrect and inaccurate information.
Product: Credit reporting or other personal consumer reports

This account was charged off on following date : XX/XX/year> Since then account has repeatedly been updated as charge off every month. This is an updated in the payment history. A charge off account shouldn`t include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and neglect has violated my rights. I am demanding deletion of the following accout. Account : XXXX XXXX XXXX XXXX. Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


XXXX XXXX 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Product: Mortgage

We have received a Tax statement from County that taxes are not paid for XXXX. I have sent the tax statement on XX/XX/XXXX to Pennymac and they have not responded to my emails or phone calls. Called Customer Service for about XXXX times and it just sits on queue forever. No person to talk to. I have requested a call back and no one responds. 

I have sent emails dated XXXX. 

I would like to know the proof of any payments made and also have them contact the County and sort this out.
Product: Checking or savings account

I have been trying to get my money back for nearly {$700.00} fraud charges that occurred while I was in the hospital in XXXX. All of my things were stolen and I informed every single rep and supervisor that I spoke to, of that. The dispute was filled out wrong not once, not twice, but three times! The first time, the rep included transactions that did NOT belong in the dispute and also put doesnt remember these transactions as the reason for the dispute, when I told him multiple times prior to submitting it that my purse ( all of my cards were in it ) and phone was stolen the night I went to the hospital & that they were fraud charges. I immediately canceled my cards when I got out of the hospital and got a new phone that same day. I also told that same rep that I had my hospital documents & report. I was told none of that was needed. Okay. A week or so later of going back and forth because the dispute was closed, I asked for a supervisor. She was very apologetic and admitted that the rep was at fault after listening to my calls, she supposedly reopened it and told me I would be refunded in two days and I NEVER was. Here I am nearly two months after opening the initial dispute with NO resolution. Im tired of typing this story over and over, Im tired of repeating it verbally over and over. Ive contacted Wells Fargo SEVERAL times about this matter, I got sick of contacting them with no resolution but every time I look at those transactions I get upset knowing I didnt make them & Im being held at fault for THEIR agents negligence when my calls were listened to & the supervisor said herself the rep was 100 % at fault & apologized to me. Ive been a customer since 2017 and Im on the verge of getting a lawyer because this is unacceptable.
Product: Vehicle loan or lease

NCB Management Services , Inc., with ( account number : XXXX ), recently notified me through a letter about a security breach at their organization ( NCB ), which has compromised some of my personal information. According to ( NCB ), their national accounts receivable management company offers account services to various companies. They claim that I am receiving this notification because they identified my records as among those accessed without proper authorization. It's crucial to note that I never granted authorization for this company to possess any of my personal information. The involvement of this third-party debt collection agency in such an incident is unacceptable.
Product: Credit card

Portfolio did it again bought a credit from other company and theyre calling even to my mother inlaw stating I owed them money. And they lied about theyre not calling you. But I got their number already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found that there is an error in the following item : 1 ) XX/XX/XXXX ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XX/XX/XXXX XX/XX/XXXX Charge account, Opened XXXX XXXX, XXXX XXXX 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several delinquent federal loans reporting on my credit. These accounts aren't mine.
Product: Debt collection

XX/XX/XXXX Audit Charge-off ( uncollectible debt ) with Virginia Department Housing Authority in the amount of {$1.00} XXXX dollars for property address XXXX XXXX XXXX, XXXX, VA XXXX with an appraisal value of {$110000.00}. Please reference IRS Valuation Form 843 for debt in the amount of {$64000.00} ( XX/XX/XXXX to XX/XX/XXXX ) dated XX/XX/XXXX. No escrow is due to debtor XXXX XXXX XXXX. Unpaid property taxes since XX/XX/XXXX per IRS tax lien document received on XX/XX/XXXX with an expiration date of XX/XX/XXXX due to property abandonment. Charge-off ( uncollectible debt ) with sold boutique at XXXX XXXX XXXX in the amount of {$400000.00} on behalf of Suntrust, XXXX XXXX XXXX, the OCC, 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

Subject : Assertive Dispute of Unauthorized and Unverifiable Account on Consumer Report To XXXX, XXXX & Experian, I am writing to dispute a blatant violationan unauthorized and unverifiable account XXXX XXXX XXXX XXXX has glaringly appeared on my consumer reports with XXXX, XXXX, and Experian. The presence of this item unequivocally tarnishes my creditworthiness and unequivocally constitutes a breach of my privacy. I assert, unequivocally, that this unauthorized account is a blatant form of identity fraud, even in the event of a permissible purpose, for which I categorically have not given consent. 
The reporting of this account is a violation under federal law, explicitly governed by the Fair Credit Reporting Act ( FCRA ). Sections 611 ( a ) and 611 ( b ) of the FCRA unambiguously outline the procedures for reinvestigation of disputed information and the prompt notification of disputed information to furnishers of information, respectively. The Fair and Accurate Credit Transactions Act ( FACTA ), Section 312, leaves no room for ambiguity, establishing the unwavering responsibilities of furnishers of information to consumer reporting agencies.

I assert, without a shadow of doubt, that this item must be thoroughly investigated and promptly removed from my consumer reports, as it unequivocally violates both federal laws. I emphasize, without hesitation, that I did not provide consent for this item to be included in my consumer profile, and I categorically assert my right to have it deleted.

This account outright violates North Carolina law, specifically the North Carolina Identity Theft Protection Act under Chapter 75, Article 2A, encompassing provisions from N.C. Gen. Stat. 75-60 to 75-68. 

I demand that XXXX, XXXX, and Experian, along with XXXX XXXX XXXX XXXX take immediate and unwavering action to delete this item within 30 days from the receipt of this dispute. Any failure to comply within this stipulated timeframe will be considered willful noncompliancean offense for which XXXX, XXXX, Experian, and XXXX XXXX XXXX can and will be held civilly liable. 

I expect nothing less than a swift and assertive written confirmation of the resolution once the unauthorized and unverifiable item has been removed. 


Thank you for your immediate attention to this matter. 

Done in good faith.
Product: Debt collection

Wakefield claims that I owe an amount of {$2400.00} WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) but have failed to provide me with a debt validation or any proof that I owe the specific amount. The account number is XXXX I sent a dispute letter about few months ago and still no respond from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX Dealer XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - late/Closed- Inquiries included in Dispute : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

I submitted this complaint to remove this suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX  are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

AFFIDAVIT OF DENIAL STATE OF NORTH CAROLINA COUNTY OF XXXX I specifically deny that these alleged account/debt and/or account stated/implied and/or from XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX obligation is certainly mine, if these alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that these alleged account/debt and/or account stated/implied and/or obligations is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with DEBT COLLECTOR or any of its Affiliates nor have I ever engaged in any business with DEBT COLLECTOR in the past. These alleged account/debt and/or account stated/implied is FRAUDULENT upon my good name and has caused me injury for which I will seek redress, compensation and settlement. Each company named above has failed to respond with valid proof of claim. They are now in default and compensation and settlement is due. PLEASE COMPLETE ATTACHED AFFIDAVIT TO SUPPORT YOUR CLAIMS UNDER PENALTIES OF PERJURY or agree to pay the settlement order in the next 3 days. 

The following inquiries were NOT authorized and need to be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dated this XX/XX/XXXX Without Prejudice By : XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX All Rights Reserved
Product: Mortgage

Here 's the revised version of your complaint letter with the mention of mailed letters : Subject : Request for Removal of 30-Day Late Payment Due to System Error Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding a 30-day late payment recently reported on my account, which I believe occurred due to a technical error in your mobile app. I am requesting your assistance in removing this late payment, given the circumstances surrounding this issue. 

In XXXX, while attempting to make my regular monthly mortgage payments, the mobile app unexpectedly refreshed. As a result, I mistakenly paid the same mortgage twice for {$980.00}, assuming I was on a different mortgage account with a payment of {$770.00}. I did not realize this error until after the late payment was reported. I have always made my payments on time and have a consistent payment history with no prior late payments. 

This technical error was beyond my control, and I made every effort to resolve the situation. I followed up with your team multiple times, sent messages, and mailed letters to inquire about the matter. Unfortunately, I received no response. Additionally, the notification of the issue was missed due to the high volume of unrelated calls I receive regarding refinancing and other services I am not currently pursuing.
Product: Credit card or prepaid card

Carrying approx {$8500.00} on CITI Visa due primarily to medical bills and COVID furlough. 
Bank is charging 15.24 % interest. Called bank to complain and get reduction in interest rate ; banks are awash in cash, feeding at taxpayer trough again, federal funds rate is 0 %, they are paying 1+ % on savings, their cost of goods ( i.e. money ) is peanuts ; 15+ % is usury. Bank 's response - you agreed to these terms when you accepted card .i.e. tough. 

Rate is unreasonable by any standard. They are getting away with " robbery ''!!
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with and I would like them removed off my credit report. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for them to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. I've disputed this information with the credit bureaus and they are refusing to delete this information. This also is a cease and desist. According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. I would also like to see my signature on this account guaranteeing I would pay this creditor. I'm asking has there been any insurance claim found on this debt. I want proof on a change of title that you can collect on this debt. They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. I'm a XXXX in which our information has at times appeared on our credit reports or it may be neither of ours. No matter what the situation may be I've never done business with this company or have a signed contract and this information must be deleted
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i submitted a complaint to cfpb stating i needed the XXXX XXXX XXXX account on my credit report to be removed from my equifax credit report. 

It is XX/XX/XXXX and it is still on my credit report!!!!!!!!! 

It was an account opened by my ex husband, And i had no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX Balance : {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX   XXXX XXXX XXXX XXXX  XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get old addresses and alias names off my report please delete these names and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I am trying to up my credit score so I can buy a home. This failure to protect my information may destroy my ability to make my life and the life of my daughter better. I am, frankly, terrified.