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

On XX/XX/2023, I applied for a credit card through Capital One and was illegally denied. 
After being denied, I send an adverse action letter to Capital One on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. 

As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction. 

FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information.

18 USC 8 defines what other securities are in regards to the US debt.

15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW.

15 USC 1602 ( J ) defines an 'open ended " credit plan.

I will also send a Notice of Default to Capital One for not responding to my Adverse Action letter or my demands for remedy.

Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.
Product: Debt collection

I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you of my intent to take legal action against XXXX, Equifax, and XXXX due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity. 
2. Present evidence of my wet signature on any relevant documents associated with these
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Discover Financial Services added a derogatory mark on my credit report per checking my credit report from the 3 credit bureaus. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no form of written communication, contract, or signature for accused of this debt at all. A bill without a signature does not validate the debt and anybody can send a bill claiming it belongs to me. According to the FCRA Discover Financial Services has violated my rights as a consumer and I am requesting legal action to remove this immediately.
Product: Credit reporting or other personal consumer reports

XXXXonsumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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

XXXX  and XXXX are reporting a collection account from Conserve that was paid off already. Also XXXX and XXXX  are reporting differrent open dates which they should be all accurate and all be same date.it is highly damaging to my credit report. 
attached is a copy of my credit report and also a statement where I paid conserve.
Product: Credit reporting

I have several accounts listed with you that are fraudulent some of these companies such as XXXX acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These collections are on my credit report i dont recognize them XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 redressfor these violations.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

Experian, under FRCA Act you are required by law to remove inaccurate information. XXXX XXXX  has already contacted you to DELETE the XXXX  XXXX account with a balance of {$4700.00} from all of my credit reports as I am not responsible or liable for that account. I have attached XXXX XXXX  ' official record proof of them requesting Experian to remove it from my credit report. Remove it ASAP.
Product: Payday loan, title loan, or personal loan

I made a loan 15 years ago to finance a boat with KeyBank. I have the contract which states that I must pay {$390.00} for 180 months. I have fulfilled that debt. Then at the end of my term, the bank sends me invoices stating that I owe {$1500.00}. But I can not get them to tell me what is the breakdown of that charge. 
I have already paid off the loan per my contract. There is not any late fees owed. In XXXX, I drove to XXXX Ohio from XXXX Ohio ( about 50 miles ) to talk to someone in person regarding this loan. I spoke to XXXX XXXX at XXXX regarding this matter .She promised to look into this matter, and get back with me. She never called me, and would not return my phone calls. I did finally get ahold of her boss, and he told me that he does not make adjustments at his bank. All this time, KeyBank continues to send me invoices stating that I owe approximately {$1500.00}. they continue to call me. I ask for a breakdown of that amount, andthey say that they do not have the resources to tell me what is the breakdown, or that they are just a call center in the XXXX etc. Finally about XX/XX/XXXX, I XXXX a sales and marketing manager who works for KeyBank in  XXXX ( about 4 hours away from me ) and his secretary provides a contact for me who is XXXX XXXX XXXX at XXXX. That was a long shot, but I finally got ahold of someone. XXXX states that she ca n't really give me a break down of the charges either, stating that she does not have the manpower to breakdown the loan either, and it is not an option that the loan department offers. So I have to ask, I have fulfilled my contract. I have paid 180 payments of {$390.00}. And I really need to know what is the breakdown of the {$1500.00}. I have a copy of my contract. I asked XXXX to not submit poor credit rating to XXXX while we are working on this matter. But she states in the email that she can not stop the poor credit reporting. I have credit over 800, and they are going to hurt my credit. I asked them to stop just while we work on this matter. I have fulfilled my obligation to the bank .I have the copy of my contract. The bank did give me my payment history, and I can see on their side that my payments have been made. So, I need to know the breakdown of the charges that make the {$1500.00} that they request. They ca n't tell me wither what is the breakdown. They state that they do n't have the manpower to do this. I am requesting that all credit reporting be stopped until we get to end of this matter.
Product: Mortgage

My home was in foreclosure. I applied for XXXX funds and got the loan reinstated through those funds in the amount of {$39000.00} in XXXX of XXXX. This involved a large amount of work on my part and the part of my attorney to get TD Bank to provide an accurate reinstatement figure to XXXX. We had to file a CFPB complaint just to get that done ( CFPB Complaint # XXXX ). Ultimately, TD Bank did provide a reinstatement figure to XXXX  on XX/XX/XXXX in the amount of {$39000.00}. TD Bank stated in a letter dated XX/XX/XXXX in response to my last CFPB Complaint that this amount brought the loan current. See attached letter dated XX/XX/XXXX. 

Then, immediately afterwards, I started receiving statements telling me that I still owed over {$12000.00}. On XX/XX/XXXX, I called TD Bank after receiving one of those statements, spoke with a representative named XXXX XXXX and she told me that that amount reflected legal fees, appraisal fees, and other fees. I was then transferred to a representative named XXXX who told me that it was unusual to be charged those amounts following a HAF award -- -that the HAF award should have put my account at a XXXX balance. I then asked for a paper statement to reflect a XXXX balance and the current mortgage payment that would become due. I never received that statement and instead received a statement on XX/XX/XXXX, again telling me I owed {$13000.00}. 

I next sent a request for information and notice of error to TD Bank on or by XX/XX/XXXX. I have not yet received a response to that letter, but I would appreciate TD Bank setting my account to current status and removing the {$13000.00} charge, so that I may finally resume making monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance a auto loan and I am being told by lender that I have delinquencies that will not allow me to refinance. I am having trouble finding what they are as my reports states I have no issues with collections. Please advise. 
Thank you XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.
Product: Checking or savings account

Received several emails in early morning that someone attempted to open a Bank of America account in my name on XX/XX/22. I saw the emails and immediately contacted Bank of America who stated they closed the account due to suspecting fraud account. I was recently a victim of theft from my personal checking 's banking account. This person stole almost {$2000.00} or more I believe from my account, and I had to report that to the bank and the fraud detection with the bank. I was able to recover my actual funds and any penalties were removed but I am in the process of buying a home and I am afraid that someone is using my personal information trying to steal from me and use my information to steal from others.
Product: Checking or savings account

I am writing to express my dismay ( and helplessness! ) upon discovering that since Friday XX/XX/2022, Citibank has blocked access to my checking account unceremoniously, without even bothering to notify me via email, phone call or text. 

For the record, as of Thursday XX/XX/XXXX, no issues were present and I still had access to my checking account online. To my surprise, as I logged into my checking account early on XXXX XXXX, I was shocked to discover that my checking account was totally off limits. 

Prior to my account been blocked, there was no indication whatsoever that my login credentials had been compromised, nor that an unauthorized person was trying to get access to my bank account. 

Not to mention the fact that, as a law abiding citizen that has never been involved in any type of illegal activities ( such as money laundering, writing bad checks, etc ), I do not owe any money judgements, student loans, nor do I owe any state or federal taxes. 

What's more concerning about this situation is that Citibank never bothered to contact me to inform me of any unusual activities on my account, or that my account was about to be blocked pending an investigation. 

I contacted customer service immediately via phone and social media ( XXXX ), and was told that the investigation unit that was responsible for blocking my account and that, since this is a holiday weekend, I had no other option that to wait until Tuesday, XX/XX/XXXX, to get in touch with someone from that unit to try to solve this issue. 

That means that I won't have access to my checking account for almost 5 days, with all the inconveniences that this entails. 

Needless to say, I am taken aback by the fact that a bank has the power to arbitrarily block a client 's account ( a good standing client at that! ) at any time without so much as a courtesy warning or notification. Is as if my primary checking account is been held hostage by Citibank without cause. 

What's more, I should have been notified if there was any suspicious activity taking place- which I wasn't. 

Again, I am surprised that Citibank, without so much as a courtesy notification, can block a customer from accessing his own money without cause or previous warning. 

I repeat : there's been no notification from Citibank that my account had been compromised, under investigation, or that suspicious activity was taking place. 

It's unconscionable that a financial institution can behave in such an egregious manner, imperiling someone's financial standing and highjacking my hard earned money without any consideration whatsoever. 

I would really appreciate if your office could help me unblock my checking account and investigate why Citibank decided to block my account without cause and in such an arbitrary way. 

This should not be happening to law abiding citizens! 

Thank you in advance for your consideration.
Product: Credit reporting or other personal consumer reports

I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX/ XXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXX XXXX, XXXX XXXX .acc # XXXX
Product: Credit reporting or other personal consumer reports

Like yesterday and every day before Experian at the end of the day starts Closing complaints and didn't address the issues but once again gave a criminal response
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My identity was stolen and I was charged a lot of unauthorized overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Experian Information Solutions , Inc . 
Dispute Department po box XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX Enclosed : my id, bill with proof of current residence.