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

On XX/XX/2021 I, consumer XXXX XXXX certified mailed Capital One CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Capital One received each letter on XX/XX/2021. In the Affidavit of Truth letter, I informed Capital One of the violations against me the consumer. Inside of my Cease-and-Desist letter I informed Capital One that I'm now exercising my right of rescission.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction. 

Capital One did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Capital One of their violations by certified mail delivered on XX/XX/2021. 

I do not authorize the repossession of the property. Repossessing the property is a violation of 15 USC 1692d ( 4 ).

I do not give Capital One permission to speak to a third party regarding this alleged debt as that would be a violation of 15 USC 1692c ( b ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( CashApp, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). EFT services include transfers through automated teller machines, point-of-sale terminals, automated clearinghouse systems, telephone bill-payment plans in which periodic or recurring transfers are contemplated, and remote banking programs. The Federal Reserve Board ( Board ) implements EFTA through Regulation E, which includes an official staff commentary. The Electronic Signatures in Global and National Commerce Act ( the E-Sign Act ), 15 USC 7001 et seq., became effective XX/XX/XXXX, and allows electronic documents and signatures to have the same validity as paper documents and handwritten signatures. Disclosures in consumer transactions provided in electronic form would satisfy Regulation Es written disclosure requirement only if the financial institution received proper consent under the E-Sign Act. If a financial institution provides disclosures in both paper and electronic form, the paper form can be used to meet the disclosure requirements, and E-Sign consent is not required. The Board issued final rules for the electronic delivery of disclosures required under Regulation E on XX/XX/XXXX ( XXXX XXXX XXXX. XXXX ( XXXX XXXX, XXXX ) ).
Product: Credit card

I pay my Bill card from Wells Fargo in full every month. I went through the XXXX app and paid my full account balance by clicking the pay in full button on XX/XX/2024 of {$4700.00}. I did not realize that a {$5.00} charge posted to my account the day after the statement closed. The statement closed on XX/XX/2024 with a total balance of {$5.00}. This was due XX/XX/2024. I did not see it and got an alert, so the {$5.00} was paid XX/XX/2024. I subsequently was charged a {$74.00} interest charge saying I had owed interest on all my charges from the previous month, even though they were all paid and the statement balance was {$5.00} ( paid XXXX day late ). This is absurd and looks to be illegal and at the very least completely unreasonable. How is this possible?
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )
Product: Credit card

Citibank advertised and issued a Citibank XXXX card to me 7 years ago, over the course of time, Citibank has devalued the points program and primary benefits all while charging me a {$490.00} annual fee. The XXXX night free primary benefit has been reduced to a restricted list of hotels that only Citibank knows without transparency to cardholders expects on an individual hotel query/lookup basis. In most cases the XXXX night free primary benefit is not available at all resulting in the inability for cardholders to realize the benefit that has been advertised. Citibank states that the terms and conditions allow them to freely reduce the benefits at will. This is an unfair and deceptive business practice that is designed to lock-in cardholders who find it difficult to transfer to another bank and credit card rewards program. The the public should be made aware of these deceptive business practices that mislead consumers.
Product: Debt collection

I was called buy a process server saying they wanted to know if i would be home so they could serve me paperwork on a civil mater. She didn't know what it was about but gave me a case number and phone number to call. When I call the number they answer as XXXX XXXX XXXX XXXX and said I had an account with XXXX debt from XXXX. I told them I filed bankruptcy in XXXX and said they would check and get back to me. I asked for them to send me paperwork on this because I think it was fraud using my name and they refused. I tried to call the process server back on the caller ID number in my phone and it went to voicemail. The message for this voicemail gave the company name as XXXX XXXX and associates. i have tried to call it 3 times with no answer. I did some looking online and found links to scams from both of these company 's using the same wording as they used with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and associates XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year>, I tendered a certified promissory note in the amount of {$16000.00} to United Finance Co. via XXXX with adult signature required. This note was intended to serve as full payment for my auto loan, in accordance with the Uniform Commercial Code ( UCC ) 3-603 ( b ). The note meets all legal requirements under the UCC and is a valid financial instrument. 

Despite this, United Finance Co. refused to accept the certified promissory note and failed to return it. According to UCC 3-603 ( b ), if a negotiable instrument is tendered and then rejected, the obligation is discharged to the extent of the amount written in the instrument. United Finance Co. 's refusal to accept this valid financial instrument and their failure to return it constitutes a violation of this law. 

I have thoroughly documented all actions, including the tendering of the note and proof of delivery. United Finance Co. is failing to uphold the law by denying the discharge and the validity of the certified promissory note. This situation has caused significant distress and financial uncertainty.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed for inaccuracies but was never deleted. Please remove this account immediately. 

Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2019 Status Paid, Closed. 
Status updated XX/XX/2019 Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$370.00} Terms NA
Product: Money transfer, virtual currency, or money service

On Tuesday XXXX XXXX at XXXX XXXX CST a transaction was initiated that withdrew {XXXX} from my bank account in order to buy bitcoin on coinbase.com. Although I had used the service often in the past this transaction was fraudulent -- at that time I did not even have access to a computer. I reported the fraudulent transaction to coinbase as soon as I noticed it had happened which was roughly about three hours later. I asked that the they cancel the transaction and they refused, stating that they would need to investigate the account security first. I reported this both by phone and by email. 

Coinbase immediately locked my account and I received an email shortly thereafter that was trying to glean how my account may have been compromised. I answered their questions to the best of my ability. After not receiving a response I called coinbase 's customer support line in an attempt to get my account unlocked and retrieve my funds, they repeatedly told me that hey " can not deal with account specific issues ''. I sent another email to support explain how much of a hardship this was causing me and once again asked them to reverse the transaction. 

I received no reply until today, Thursday XXXX XXXX. They again only tried to glean details regarding how my account may have been accessed and refused to address when I may be able to access my money or get it refunded. I have already provided as much information as I can in regard to their security question and stated as much. I only wish to get my money returned and have no interest in continuing to use their service. The irony behind the ordeal is that had I not reported the unauthorized transfer to coinbase I would have simply been able to transfer the money back to my bank account instead of having it withheld. 

The {$XXXX} debit overdrew my checking account by {XXXX} and I am accruing fees daily due to the overdraft. In addition to this, I will be unable to pay my XXXX rent, I 'm unable to buy groceries and I if this does not get resolved shortly I will wind up with a number of past due bills. 

Coinbase is holding my stolen money without consent or permission. I do not care if they close or disable my account but I need my money returned as it is causing a significant amount of hardship and additional costs.
Product: Credit reporting or other personal consumer reports

I have had my vehicle for over a year now with Global Lending Services. I make my payment on the XXXX of every month. My payments are due the XXXX. The car company reports to credit the last day of the month if a payment is 30 days late. I made my payment for XXXX on XX/XX/XXXX, still not 30 days late. My credit got hit for being 30 days late while also reporting and increase of {$420.00} to my account thats inaccurate. I reached out to the escalation department and they said they wouldnt fix it as they report on the last business day of the month. They also recently marked my account as being a new account. Both false remarks have knocked mine and my husbands credit dramatically making it so we cant qualify for a house now. Ive been trying to resolve this matter but the company refuses to offer and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and previously informed your agency on XX/XX/2024 about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit reporting or other personal consumer reports

Trying to dispute old accounts that are either paid off or closed and all three credit reporting agencies won't do nothing. Except for changing dates amounts so items can be on my report longer. Even when they say they investigated and they change the years or amount and they tell me it remains. This goes for disputing hard inquiries to personal info. IAM not happy with the agencies cause they can't do anything right except for fraudulent changing accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX may have violated the 605 ( b ) rule under the Fair Credit Reporting Act ( FCRA ) by unlawfully selling my personal information without my consent. Section 605 ( b ) of the FCRA restricts the reporting of inaccurate or unverifiable information and requires entities to ensure the accuracy and privacy of consumer data. By issuing a charge off without a 1099-C for a discharged debt without your authorization or valid cause, the credit union could have misrepresented your financial status, potentially harming my credit report and creating undue tax liability. These actions could constitute fraud and noncompliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Mortgage

Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.
Product: Credit reporting or other personal consumer reports

DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has confirmed that they send one batch of updated accounts to the bureaus. They said that this is sent to all bureaus at once. This is usually done on the last day of the month. For the past three months, XXXX  and XXXX  have updated my XXXX accounts within a week, but Experian can take 14-20 days. I contacted Experian about this last month and the rep told me that he would have someone update my info. Three of my accounts that still had outdated info ( my student loan and my XXXX credit card and auto loan ) were magically updated the next business day if I recall correctly. 

This month, I encountered the same issues with Experian not updating my info, while the other two bureaus updated the info within a week of receiving it from XXXX. I called Experian today and they claimed that they never received the info from XXXX. I promptly called XXXX, who claimed that they sent it. XXXX has always been honest when they had delays reporting to bureaus, so I have no reason to not believe them now. I know other people who are having the same delayed reporting with Experian and they claim that even Experian 's own employees have acknowledged the issue. However, the reps that I spoke to today blamed this delay on XXXX. They wanted me to file a dispute to let XXXX know that the info was incorrect -- -even though XXXX claims that they already sent it. That's not resolving the real issue, which is Experian not updating the info once they receive it.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Transunion : XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.
Product: Credit reporting or other personal consumer reports

I HAVE CLOSED ACCOUNTS ON MY REPORT THAT I CAN NOT VERIFY AND NOBODY ELSE CAN EITHER.

I'm here asking the CFPB to make these agencies perform properly, and to show me what they have.

I need my original application with my wet signature and the beginning of the account ledger to show the debt My principal allegedly owes.

If not please have this deleted immediately. and have all agencies reflect this change and to mail me a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting delinquent payment information is incorrect. This account was paid as agreed. The court has closed this case XXXX. And it is still reporting on my credit report and public record.
Product: Credit reporting or other personal consumer reports

It is illegal to post transaction history on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a person not a credit repair agency I called XXXX today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.
Product: Checking or savings account

On XX/XX/2020 Bank of America charged me a {$12.00} fee to move funds from my savings account to my checking account. They moved {$18.00} from my savings to my checking account and charged me the above fee. There was no reason to do that though because I had {$23.00} in my checking account and no cleared charges made my account go below {$0.00}. 

I did speak to three different people ( two on XX/XX/2020 and one on XX/XX/2020 ) and it was the third one who issued a reversal of the {$12.00} charge.
Product: Debt collection

XXXX is apparently handling a federal loan and are refusing to work with the payments that I can afford. I can not afford more than {$200.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished one account on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation