23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I began the loan process with Capital One on XX/XX/21, application ID XXXX. My loan was approved, and Capital One sent me loan documents to esign. During my review of the papers, it stated I had a credit score of approximately XXXX. I contacted Capital One and inquired about the credit score. On my first inbound call, an agent told me they used the credit score taken from all three bureaus. I contacted all three credit agencies and obtained my credit score. None of the bureaus had my credit score that low. I elevated my request, and after speaking with several individuals, the agent transferred me to the president 's office. 


XX/XX/21 I explained my concerns to a gentleman named XXXX, agent ID, XXXX. My concerns were heightened more when the individuals refused to give their last names. It gives the impression of a dishonest internet scam that many people deal with daily. XXXX informed me on a recorded line that he was with the office of the president. He advised -- defended -- me that Capital One 's computer underwriting is vetted to comply with consumer finance regulations. They use a credit scoring system, information that he does have or was not allowed to communicate to me. I envision another instance of internet scammers secretly using my data for fraudulent purposes. I asked XXXX to invalidate the documents and send me a copy for my records. He stated he wasn't sure that he could. But he would check and get back to me. What reputable company gives this response? 

My request for copies of documents is fair. However, it is alarming when someone identifies himself as working for the office of the " president '' says he's uncertain if he can provide me copies of documents? I am not trying to re-initialize a loan request. I asked for copies. 

Capital One 's responses to my questions raise my concerns that they are behaving deceptively. For example, capital One may have programmed their computers to produce credit offers based on their secret programming to generate results not aligned with fair credit lending guidelines. If they're not going to use the credit bureau scores, why make a hard inquiry that affects my credit score? 

Please recognize that my initial inquiry was not a protest to the interest rate but how they determined it. I feel I'm entitled to that information. 

I ask that this company be investigated for fairness, deceptive practices, and compliance with fair lending guidelines and adequately document their credit responses. I am also sending a copy of this request to the California State Attorney General 's office. 

Sincerely,
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX RI, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Credit Bureau Name [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on My Credit Report Dear [ plaza services ], I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I identified an error regarding an account with Plaza Services that requires immediate correction. The specific inaccuracy is as follows : The original creditor name is listed incorrectly. The report states that the original creditor is XXXX XXXX XXXX XXXX XXXX, but previous records and documentation indicate a different original creditor. I request verification of the correct original creditor and correction of this discrepancy. 

This incorrect reporting could have a negative impact on my credit profile, and under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter. Please update the information to reflect the accurate original creditor or remove the entry if it can not be verified. 

I have attached a copy of my credit report highlighting the disputed information. Please conduct an investigation and provide me with an updated report reflecting the necessary corrections. If you require further information, feel free to contact me at [ Your Phone Number ] or [ Your Email ]. 

I appreciate your prompt attention to this matter and look forward to your response. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX XXXX XXXX Balance Owed : {$200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$920.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Numerous attempts have been made to contact West Lake Portfolio Management on behalf of US Auto Sales since XX/XX/2023. My vehicle has been PAID IN FULL direct to US Auto Sales since XX/XX/2023. My Payments direct to US Auto Sales and from my bank were received, posted and acknowledged. Upon making my final payment, I was advised by US Auto Sales servicing center on XX/XX/2023 I would receive my title within 7-10 business days. However, we are quickly approaching 90 days and I have not received my title, or an electronic lien release issued to the Georgia Department of Revenue. 

I have attempted to contact US Auto Sales on many occasions however, the business has filed for bankruptcy, correspondence sent certified mail has been returned, forwarding address is no longer valid and all business locations are closed. My payments to US Auto Sales included a warranty and GAP Insurance, only to learn US Auto Sales stopped paying the warranty company and GAP insurance over a year ago. I received a letter from US Auto Sales advising I would be entitled to a refund of {$1800.00} that I haven't received. US Auto Sales has been operating illegally in the state of Georgia for the past 6 years as their business license was revoked. I have worked 2 jobs to pay off my car in full and I was excited. I am now feeling frustrated, hurt, mentally exhausted and betrayed by my experience with US Auto Sales. I have always been a good on time paying customer, and always held up my end of the contract. I have been left with no further communication from US Auto sales and stolen funds. I have been left with questioning US Auto Sales integrity and commitment to honoring their contracts. I have provided my XXXX receipts from US Auto Sales, in addition to my posted transaction history from my bank paid to US Auto Sales servicing center from XXXX for my final balance. However, Westlake is advising they aren't receiving my documents. With each phone call to Westlake I receive a different answer. I was advised that Westlake was under staffed. 

It is my understanding that Westlake Portfolio Management has acquired US Auto Sales. Therefore, the matter now falls within the scope of Westlake Portfolio Management. It is now their responsibility to honor their commitment by doing the right thing and making this process as seamless as possible. At this time, I am requesting an immediate release of my title and electronic lien release be sent to the Georgia Department of Revenue as soon as possible.
Product: Money transfer, virtual currency, or money service

Square cash ( cash app ) ubruptly closed my account two months ago.I have XXXX dollars in that app that they will not let me cash out. I have emailed them 8 times with absolutely no response whatsoever.
Product: Credit card or prepaid card

I applied for my Discover It Secured credit card on XX/XX/XXXX, and was required to pay a security deposit and complete identity verification before the card could be opened. My security deposit was withdrawn from my bank account on XX/XX/XXXX, and Discover confirmed that my information was verified on XX/XX/XXXX. I received my card and it was activated on XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my account was closed because Discover was unable to verify my personal information. This was after I have spent the past month completing the verification process and having it confirmed. It was a prerequisite to opening the account, so if I wasn't verified the account wouldn't have been opened. There is no reason to now close my account immediately after successfully opening it, before I have even had a chance to use the card. 

I have contacted Discover and they did not resolve this issue or give me any additional information. I was only given a XXXX XXXX mailing address to write to them about the issue, which is not acceptable to me due to the slow nature of mail communication.
Product: Checking or savings account

Had a dispute with the bank, the account was due to be closed. Long story short they ended up denying the dispute and closing the account with a negative report on my chexsystems statement. When I called in to speak with someone a very rude woman was refusing to even hear my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!
Product: Credit card

On XX/XX/2024, I called a Citibank services for Home Depot and soke with representative and asked him have they received my settlement and payment for an old account. He stated, " yes '' and I asked him will Citibank report any of this to the credit agencies ( XXXX, XXXX, and XXXX ). I advised him that Citibank is still reporting to the credit agencies that I am delinquent, and I am still past due on my account. I asked the representative for a payoff or settlement letter and report my information to the credit agencies. I also advised the representative that the credit agencies advised me that your company ( Citibank/Home Depot ) is still reporting wrongful information to the credit agency. I requested my information be corrected. He advised me that he would do something is 60 days. I asked him if he could email me a payoff letter and he advised no, and I would have to just wait on that too. I also called Home Depot representatives and they all passed me off to Citibank because they refused to look into my case or provide me with information about my account. In all I called Home Depot and Citibank approximately or close to 12 times just to get help. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I was affected by Equifax Data Breach. I have attached a copy of my consumer report Highlighting the accounts that are being reporting inaccurate. I also attached a UCC-11 showing I have not debts or liens under my name. Equifax is illegally selling my information though XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deleted this account. This must be 100 % across all reporting agencies. 


XXXX XXXX XXXX XXXX XXXX This account is a charge off. A charge off is income under the IRS rules. Income does not get reported on a consumer report. It is also against FCRA to report transaction history on a consumer report. 

XXXX XXXX XXXX XXXX XXXX This account is a charge off. A charge off is income under the IRS rules. Income does not get reported on a consumer report. It is also against FRCA to report transaction history on a consumer report. 

XXXX XXXX XXXX XXXX XXXX This account is labeled inaccurately. This account is not a charge off and is Open. It is also violating FCRA by reporting transaction history.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Reporting Transaction history is illegal ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( Equifax has been put on notice of the inaccurate information and must immediately stop reporting that information until they can provide proof that it is valid. ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( ANYONE fails to comply is liable of no greater than {$1000.00} per violation. )
Product: Credit reporting

The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts.
Product: Mortgage

Last year XX/XX/XXXX, I have refinanced my mortgage loan from USBank home mortgage to XXXX XXXX. USBank home mortgage has retained my escrow Balance amount and has not returned the amount back to my personal account. When called USBank in  XX/XX/XXXX, they said they will send the amount in a check to my home address without an apology. They even said the exact amount they retained in the closed escrow account and that they are sending the amount in 2 weeks but its been more than 30 days and more than 15 months from the refinance closure that I have not received this escrow balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. For these violations
Product: Debt collection

RUBIN LUBLIN, IS A LAW FIRM THAT CLAIMS TO REPRESENT XXXX XXXX XXXX XXXX XXXX XXXX 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS
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 {$140000.00}.

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 Lending 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. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Product: Debt collection

This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt that I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX (this is a duplicate account ||EQUIFAX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

I received from Synchrony Bank an email that my payment for an account I have with them for the purchase of a XXXX XXXX bed was not received on XX/XX/2023. The payment had been made through my XXXXXXXX XXXX account for {$200.00} on XX/XX/2023. The same way all of my previous payments were made. They claimed to not have received it. They wanted me to send copies from my bank statement as proof & to talk to XXXXXXXX XXXX  I visited XXXXXXXX XXXX  on XX/XX/2023 and they confirmed that the payment was made and received by Synchrony Bank. I mailed to Synchrony Bank copies from my XXXXXXXX XXXX  Checking account showing the payment was processed on XX/XX/2023, a portion on my XXXX XXXX Statement showing the {$200.00} payment and a copy of all payments going back to XXXXXXXX XXXX being made the same way through XXXXXXXX XXXX along with a letter outlining the issue including the name of the contact person at XXXXXXXX XXXX that I spoke to & their business card. I received no response. Last night I received another email from Synchrony Bank saying they have not received my XXXX payment which I made through XXXXXXXX XXXX  on XX/XX/2023 for {$200.00}. When I called them today, I was told they have no record of either payment. They dont know where my {$400.00} went, that they did receive my mailed in information but that it takes 90 days for them to look at 4 pieces of paper & if they cant find what they did with my {$400.00} that I am responsible to send them another {$400.00}. They claim the only way they can track payments is if I make them through their website which is utter nonsense because they have received all of the other payments I made. I believe there is some type of fraudulent activity within their system. Where did my {$400.00} go?
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to take immediate steps to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing me significant distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible. Please address this matter promptly.