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

I made a purchase on my Capital One Spark Business credit card on XX/XX/2023 from XXXX XXXX XXXX for a 3 month marketing campaign. The deliverables were not per the contract, regular reporting was not being done, and the merchant was unresponsive/late with responding. After repeatedly contacting the merchant starting approximately the first week of XX/XX/2023, I requested to cancel my campaign, at which time the merchant threatened legal actions. I received no further communications after XX/XX/2023. So, I contacted Capital One and disputed the transactions on the grounds that I did not get what I paid for. On XX/XX/2023, Capital One recharged my card upon the merchant responding. The merchant presented both the original contract ( signed ), as well as their analytics to Capital one. Capital one gave me a chance to dispute this by XX/XX/2023. On XX/XX/2023, I submitted my response along with my contract ( unsigned ) and my own analytics from my website which does not match what the merchant reported. I contacted Capital One on XX/XX/2023 as I had not received any further correspondence. I was advised to check my account at capitalone.com for correspondence. Here I found a letter from Capital One dated XX/XX/2023 declining my response and reinstating the charge from XXXX XXXX. I, however, never received this correspondence and had no knowledge of it until XX/XX/XXXX. Also, the correspondence asked for further documentation which was not clear. After inquiring with the agent on the phone, I was told that I needed an original " signed '' agreement which was not previously stated. Capital One is also requesting a " second opinion '' from a competitor of XXXX XXXX, even though I did submit my own analytics from my hosting company. Further, my campaign was supposed to be for 3 months. My campaign went live on XX/XX/XXXX and I've had 0 correspondence from the XXXX XXXX  since XX/XX/XXXX, XXXX s such, I believe they did not uphold our agreement and that Capital One has failed in holding them accountable, instead, they have me paying for services that I did not receive.
Product: Mortgage

The home is located in XXXX XXXX XXXX XXXXXXXX had a renter in the home till XXXX. I returned to the home to rennovate and update the home due to substanial repairs. I have been residing at the residents XXXX weeks a month since XXXX. till now. I am completing renovations and repairs. I intend to rent the home in the future ( XXXX years from now ). 

The large issue is that the lender has hired a third party that has illegally entered the premises on XXXX separate occassions and changed the locks. I have witnesses and pictures of the event. The third party has posted notices to secure the home because they claim it is vacant. It is not vacant. I believe this constitutes fraud and creditor harassment. 

The lender has been made away and payments have been made on the loan. I have hired a local property manager to check on the property to review their processes and behaviors. I have consulted a local attorney. I am happy to assist with any requests from your office.
Product: Credit card

THESE CHARGES ON MY ACCOUNT ARE FRAUD, THE CREDIT CARD WAS STOLEN AND USED WITHOUT PERMISSION, I CONTACTED THE BANK THEY SAID THEY WOULD TAKE CARE OF THE CHARGES THEY NEVER DID I GOT A STATEMENT AND CALLED AND SPOKE TO FRAUD AND FILED A FRAUD CLAIM, THEY STATED THEY WOULD TAKE CARE OF THE CHARGES ON THE ACCOUNT, THE CHARGES WERE NOW REBILLED, THESE CHARGES ARE FRAUD AND NOT MADE BY ME NOR MY AUTHORIZED USER, THE CREDIT CARD WAS STOLEN, REMOVE THE CHARGES IMMEDIATELY. I HAVE ATTACHED A FRAUD AFFIDAVIT WITH FTC. THIS IS UNACCEPTABLE FOR YOU TO CHARGE ME FOR CHARGES UNAUTHORIZED BY ME
Product: Mortgage

The lender is not offered any options other than a Repayment plan that is more than 80 % of there current Net income of {$2500.00} - This does not provide the client with any financial relief or assistance to her hardship that cause the delinquency. The file should be reviewed for all modification options due to the financial hardship that caused the initial delinquency to being with.
Product: Debt collection

On XX/XX/year>. Me and management for ( XXXX XXXX XXXX XXXX XXXX ) had agree that due to the mold in my apartment, i would only have pay my current month rent and they will keep my deposit and my last month rent that i had paid when i move in to cover the remaining expenses and i would owed nothing afterwards. As stated in the emain which i took a screenshot and attached as in attachment. You will see for yourself that management stated THAT EVERYTHING WILL REMAIN THE SAME, MEANING OUR AGREEMENT THAT WE BOTH HAD AGREE TOO. AND THAT I WILL OWE NOTHING ONCE I MOVE OUT.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX O Date XXXX XXXX XX/XX/XXXX, XXXX AUTO Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

ON XX/XX/2023 I PAID IN FULL OWED AMOUNT OF XXXX PLUS XXXX IN PRE PENALTY FEES PLUS XXXX  APROX ON RESERVES ESCROW IN CASE THEY NEEDED THE MONEY. 

THEY HAVE NOT ISSUE A PAYOFF LETTER LIEN RELEASE ON COUNTY REFUND OF XXXX APROX ON UNPAID HO INSURANCE TO XXXX  REFUND OF XXXX XXXX PAID IN FULL ON XX/XX/2023 FOR UNDETERMINED RESERVES AND PAID BY ME DETAILS ON PAID 2023 PROPERTY TAXES ( HOW MUCH DO THEY PAID AND HOW MUCH IS PENDING )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card companies publish information that is not current and accurate that they claim come from my credit report.That I should take my concerns to them. when I look at my report it is accurate The companies however do not change your much lowered score and it just stays and it affects how much your limit will be and never move. 
always a shuffle between card company saying it comes from bureaus and bureaus saying they do not know ehere the company got information from in the interim I am stuck with lower score and can not get it fixed. 

one bank in particular chase thruu their credit monitoring has me with 8 late payments and I have not had a late payment in 7 years why should this information be out there about me
Product: Debt collection

The choices available do not exactly match my dispute, however I chose the closest options. The debt collectors attempted to re-file a debt that was placed on my credit report XXXX  years ago. The {$940.00} XXXX XXXX debt is XXXX years old. Instead of removing the debt after XXXX years which is mandated, they re-filed it as a new debt XXXX  month old. The initial debt did not have any impact on my credit report because of the age of the debt. Because the debt appears to have been placed a month ago, it now negatively impacts my credit report. This company was deceitful, shady and underhanded and screwed up my credit score by entering a fraudulent date and time for my charges. Please assist me in enforcing this debt collector to remove this erroneous information immediately from my report. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to you to express my dissatisfaction with the permanent limitation that was placed on my PayPal account. I believe that this action was taken by mistake, and I would like to request that you re-investigate my case and consider restoring my account. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. Therefore, I am deeply perplexed by the permanent limitation that was imposed on my account. I have been a loyal PayPal user for many years, and I have always been committed to following your policies and guidelines. 

I understand that PayPal has strict rules and regulations to ensure the safety and security of its users, and I appreciate the efforts you make to prevent fraud and protect your customers. However, I believe that in my case, there has been a misunderstanding or an error, and I respectfully request that you reconsider your decision. 

In light of the above, I am requesting that you re-examine my account and provide me with an explanation of the basis for this limitation. I am confident that, upon further review, you will find that my account has been unfairly restricted, and I would like to ask you to restore my account if possible. 

I would appreciate it if you could respond to this email and let me know if there is any additional information that I can provide to support my case. The email address on my PayPal account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to buy something online and used Paypal. The merchant charges in XXXX  and I wanted my credit card to be charged in XXXX. In the paypal transaction page, I selected the transaction to be paid in XXXX. However, Paypal continued to charge me in USD with their predatory currency conversion fee. ( Ended up being an extra ~ {$100.00} ) I reached out to Paypals customer service and they were unhelpful and did not see it as an issue.
Product: Credit reporting or other personal consumer reports

TransUnion systems are reporting as down on every operation. Agents tell me they have to escalate but cant provide information on why I cant see my information despite creating an account and paying for a score. Unsubstantiated drop on report. Other XXXX agencies show dramatic increase. I believe TransUnion has become compromise XXXX  again but they are refusing to acknowledge and jeopardizing my credit standing in the process.
Product: Mortgage

On XX/XX/XXXX started a Refinance w/ Lender One Financial out of XXXX Tx . The Broker was XXXX XXXX NMS # XXXX. Worked with this broker for 2 months and was told that my refi was a difficult refi. I was given all kind of reason why and was made to believe it was going to be hard. They had me to do a survey and two appraisals that cost me over {$2000.00} and one of the appraisals was not authorized by me and was charged to my credit card. I finally after inquiring with others, went to another broker. This broker has me closing in 3 weeks. We have been trying to get a release letter signed for the appraisal that was paid for from This Company for week, I have been passed from one to the other and still do not have letter. I know this is not right, should have been done the day I requested it, that is the normal. It is holding my closing up and I do not want to pay for another appraisal. My last contact was on XX/XX/2020 with this company. Please Help with transfer letter. This has jeopardized my refi with this other company.
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 XXXX debt bondage, which falls under XXXX  according to XXXX-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 XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX022.142 ( 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: Mortgage

On XX/XX/XXXX I received a letter from Attorney 's XXXX. The letter stated that they where sending the letter in compliance with the Fair Debt Collection Practices Act and that I had 30 days to dispute the debt. This is the first communication I have received from this attorney. I did dispute the debt in writing and I sent the dispute to them via Certified Mail. According to the post office and the signature card the dispute was received by XXXX. On XX/XX/XXXX. This is well with in the 30 day time frame. According to the Colorado Attorney General Website " You may dispute the debt ( or any part of it ) within 30 days after receiving the first notice. Your dispute must be in writing. The collection agency must then stop collection efforts until it mails you proof of the debt ( a bill or court judgment ) and the name of the original creditor if requested ( if different from the creditor listed on the collection notice ). '' On XX/XX/XXXX I logged on to the XXXX XXXX Public Trustee 's Website and I notice that they have already submitted the info to the Trustee for foreclosure. They have not responded to my dispute yet and obviously have not stopped the collection efforts. I contacted the XXXX XXXX Public Trustee and they said the foreclosure packet was received on XX/XX/XXXX. In addition they have already scheduled a sale date for XX/XX/XXXX. Before filing this complaint I called XXXX, they said that they are in the process of responding but they can still file paperwork with the Trustee. I have clearly been taken of advantage of and lied to by the banks and lawyers and they should at least be made to follow the laws. It appears to me that between Nationstar and their attorney they have already violated the Colorado Fair debt collection practices act 3 times in trying to collect this debt. 
1. by not halting the foreclosure efforts when the debt was disputed2. by not maintaining accurate accounting records3. by not listing work out options on the initial collection letter from the attorneyPlease help me to stop another wrongful foreclosure case. If you need more information about the previous filed complaints please do not hesitate to contact me.
Product: Student loan

Submitted a discharge request to the Department of Education to have my student loans reviewed from both XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX  no longer exists and they promised placement rates that have been identified as false information and numbers.
Product: Vehicle loan or lease

I am complaining because when I got car it was used and they charged me high high interest rate and I'm almost done paying or I been paid alot I had the car since 2013 and it a XXXX XXXX and I'm paying XXXX and that's way to much to be paying the company or bank is Santander Bank and I feel like I'm being ripped off and they keep threatening me about repossessing my car when I been paying them and probley allready paid them off
Product: Mortgage

Once again PNC still hasnt fixed my account so money is being held in a suspension account instead of being applied once they have a full payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XXXX 2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XXXX 2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following ; I am writing to formally dispute certain entries in my credit report under the Fair Credit Reporting Act ( FCRA ), particularly addressing the issues outlined in 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ).

1. **Challenge to 30-Day Response Time ( 15 USC 1681i ( a ) ( 1 ) ) ** : I request that you provide a response to my dispute within the 30-day timeframe mandated by federal law. It has come to my attention that this time frame may not have been adhered to in my case, and I require immediate clarification on this matter.

2. **Challenge to Investigation Protocol ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ) ** : Furthermore, I challenge the investigation protocols that have been employed in reviewing my dispute. I believe that the investigation did not adequately consider the information I provided, nor did it follow the procedures prescribed by law to ensure an accurate determination.

Given the significance of these issues on my credit standing, I urge you to take prompt action to rectify these concerns. Please provide me with a written response detailing how each of these matters will be handled and the steps that will be taken to ensure compliance with the protections afforded by the FCRA.
Product: Money transfer, virtual currency, or money service

I used my Bank of America XXXX to send money to a XXXX  XXXX, the XXXX  XXXX promised they could create the correct key for a car that I needed moved. My mother passed this was her former car and I needed it to get more repairs. The key never turned the car on but instead only opened the door, so I asked the company for a refund they refused. Then I asked Bank of America to give back the money but they refused as well. I need the {$280.00} back into my account because I am a XXXX with XXXX kids. Also the pain and suffering I went through was horrible due to the fact that the car as emotional significance because its my mothers car that she left to me, one of her only possessions.
Product: Credit card or prepaid card

Kohls an account which was opened in XX/XX/XXXX recently just closed my account due to what I believe they will say was inactivity. I check my score weekly and have a credit score ranging from XXXX. Obviously I take my credit worthiness seriously. Kohls has damaged my credit score, furthermore they have done so without having sent me any correspondence about actions that they planned to have taken. This is a violation of the FDCPA & I want this account reinstated with the 7 year old status that it has immediately. If Kohls does not comply I will introduce this issue to my state legislatures, FDCPA, and other regulatory entities. This is a way in which certain business entities can keep certain demographics credit worthiness down. They never in 7 years increased my credit limit from {$300.00} up to a level of which I am worthy. Every credit card company does periodic reviews of their account holders & increase their limits without the credit card holder having to ask and incur a inquiry hit to their score. Kohls is unscrupulous and needs to be held accountable for any damage done to my credit score bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several recent occasions I attempted to contact the bureaus to investigate certain incorrect items on my reports. However the bureaus never completed a full investigation into the status and accuracy of those items in a timely manner.
Product: Debt collection

On XX/XX/2020 I received a notification from XXXX Credit monitoring that a collections account has been placed in my file. Paragon Revenue Group had opened two collections accounts one in the amount of {$3200.00} and a second for {$230.00}. At no point have I ever received notification from Paragon Revenue Group, either via the phone or through the mail, that I have any outstanding debt with any medical provider, furthermore I have not had any treatment or service outside of a single routine doctors visit in the past 14 months, for which there is no outstanding balance. 
I have written to Paragon Revenue Group, at an address that I found online, requesting validation and removal of these collections. Given that I have never had any correspondence with Paragon Revenue Group, or anyone else, I do not have account numbers or other information in which I can base this validation request on beyond my name and address.
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below.
Product: Credit card or prepaid card

Since filing a complaint I received a letter in the mail with a statement of my account. My credit limit was XXXX and they have decreased my credit to XXXX without my knowledge.I am hoping to resolve these issues as soon as possible.