23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.
Product: Credit card or prepaid card

I have got a hold of Capital One and made a payment for closed account that said it's still opened on my credit report and wanted to keep that credit card and build my credit back up. 

Then there is a utility bill that I have been unable to get off my credit report that doesn't belong to me. All I'm wanting to do it get my credit report back in good condition. 

I would greatly appreciate your help with those matters. 

Thanks, XXXX XXXX
Product: Checking or savings account

So since XX/XX/XXXX XXXX havent had access to my money. On XX/XX/XXXX I called capital one and they havent told me anything about the account or why theyre withholding funds from me the accountholder. All I want now is a check for the funds and to close the account. I suspect it has to do with the unauthorized transactions on the account. But if theyre going to deny every dispute then they can just keep the money. I just want the account closed and a check for whatevers left after the investigation.
Product: Mortgage

On XX/XX/year>, we submitted a communication to Select Portfolio Servicing ( SPS ). While they have acknowledged receipt, they have yet to address all the points raised regarding the Billing Errors. 

This mortgage issue remains an ongoing dispute, and no resolution has been reached. Despite this, on XX/XX/year>, SPS filed a foreclosure lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Although the lawsuit appears to have been filed by the XXXX XXXX XXXX XXXX XXXX the Federal Housing Finance Agency ( FHFA ) previously confirmed that " XXXX XXXX does not have an interest in your loan. '' We have since reached out to the FHFA for clarification on the actual owner of the loan and the involved parties. 

Given these unresolved issues, SPS has prematurely filed the lawsuit.
Product: Debt collection

Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX  with no assistance. I have no other option on getting this taken care of.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened or reported without my authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  - {$17000.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$850.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

Unfortunately in XXXX until XXXX of 2023 on XXXX, XXXX & XXXX I was 30, 60 and 90 days late. I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was dealing with my mother death from XXXX which I had to move back to my home state while trying to balance being a single parent of a XXXX & XXXX year old, while taking night classes to fulfill one of my long standing career goals of gaining my college degree. Now that Ive found a prosperous balance in my life, I honestly can not associate with the person that let this payment obligation go unattended. I fully respect my obligations with Capital One Bank & have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully paid off my account since my unfortunate circumstances. 


Ive recently begun searching for a new financially rewarding career in business, & it has come to my attention that because of my late payments with Capital One Bank, Im being rejected careers in my field. As you may know, FICO scores are being used more & more in the selection of prospective job applicants. 


In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by removing the LATE PAYMENTS that are reporting with XXXX, XXXX, & XXXX. I sincerely hope that Capital One Bank believes in their customers & I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time & look forward to receiving a favorable decision from your department soon. 




Late Payments : XX/XX/2023- 30 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 90 days late XX/XX/2023- 90 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.
Product: Credit card or prepaid card

I'm sure you have plenty of evidence against BofA as far as the opening of accts without permission but here are 2 more. The second one I reported the day before the story broke in the news. 
Incident XXXX XXXX XXXX XXXX XXXX XXXX rec 'd notice from BofA that my request for XXXX XXXX Mastercard was approved and they were reducing my credit line on another one of my BofA cards ( card ending in XXXX ) in order to send me the new card. I really did not believe I would get the card because I knew I did not apply for it. 
Rec 'd the card ( card ending in XXXX ) around XXXX and cancelled it. 
XX/XX/XXXX - rec 'd notice that a fraudulent acct was opened in my name and the credit line effected was being restored. I called XXXX XX/XX/XXXX to issue a complaint. They said I was in good standing and credit line was ok and they would file a complaint. 
Incident # 2 : XX/XX/XXXX rec 'd email advising that BofA had rec 'd my application for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Rec 'd email advising that I had been approved for this card. 
XX/XX/XXXX dated letter in mail that I had been approved for this XXXX XXXX card and another BofA card 's credit limit was being adjusted ( card ending in XXXX ) so that I could get this new card. 
XX/XX/XXXX rec 'd email that new card was shipped. 
XX/XX/XXXX - I returned from vacation and came back to find the XXXX  XXXX XXXX, that I did not request, in my mail ( card ending in XXXX ). Called BofA on XX/XX/XXXX and reported it, they said they would cancel it and said to contact credit bureaus to prevent issues. Which I did.. The next day the issue of accounts opened by BofA without consent was on the news. I am awaiting an update from Bof A that the credit limit on the card they reduced is restored. 
I do have of all the documents, including the credit cards issued, that I have referenced above but will not attach them unless they are needed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>
Product: Debt collection

Dont have contract with company Dont know who the company is. 
Proof company is located in my state needed. 
Proof signed contract by me In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

15 u.s.c 1681 section 602 A : states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

My Bank of America credit card has been charged with fraudulent charges from XXXX XXXX, see charges and dates below : XX/XX/XXXX XXXX XXXX  {$110.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX  XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX {$1700.00} There were two additional charges inXX/XX/XXXX and XX/XX/XXXX which were 'caught early ' ; they no longer show up in my statements so I can not quote the exact amount and date.

Each time, I reported the fraud to BoA, the charge was reversed and I was sent a new card. I also called XXXX twice to report this fraud. I have never had an account with XXXX. Both companies have promised to properly investigate the fraud but neither company have been able to stop the fraudulent charge from happening each month.
Product: Credit reporting

Hi, I want to buy a house and borrow Heloc and I have found out that one of the mortgage loan got mixed up with my sister because we both have same XXXX. This is the second time it happened to me and I tried many times trying to dispute with Transition and call XXXX about the error but they just to point their finger at each other. It has been more than 2 weeks now and I am running out of time to clear the credit report so I can close the transaction on XX/XX/2017. Please help me resolve this issue as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.
Product: Mortgage

We were notified that our escrow increased by {$71.00} per month when our insurance was reduced and our taxes showed only a {$20.00} per year increase. I called Mr. Cooper twice and yesterday was placed on hold for more than 40 minutes and they did not provide a reasonable answer. Our original mortgage holder was XXXX and in XX/XX/ were notified that our mortgage was sold to Nationstar and they quickly changed their name to Mr. Cooper. XXXX sent us the annual Escrow Account Discloser Statement in XX/XX/XXXX and they showed a escrow surplus of {$46.00}. Mr. Cooper claimed that they mailed us a XXXX on XX/XX/XXXX but we never received it. I asked why we were being charged the extra {$71.00} per month and they could not give me an answer. They told me they needed to place me on hold while checking and they never came back to the phone. The escrow specialist [ XXXX ] told me that she was located in Texas and I told her several times that she was very hard to understand. She continued to apologize but did not provide a reasonable answer. She then placed me on hold and never returned. Finally I was forced to hang up when the battery on my phone signaled low. Respectfully, XXXX
Product: Checking or savings account

The company closed my account and i didnt receive my funds in the closed account.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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

First let me clarify that this is the same complaint statement that I 've submitted for XXXX Clarity, XXXX and now CoreLogic/ I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX XXXX, CoreLogic and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. CoreLogic, XXXX, XXXX, and XXXX My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
Product: Credit card

I am a Citi credit card customer for almost 8 years. I made a credit line request from online account on XXXX XXXX 2015. The request resulted in a Hard inquiry on my credit report. 
The credit line increase with Citi card has always been a soft inquiry for me in the past 8 years. 
In response to my complaint with CFPB, Citi executive replied ( response attached ) " When a credit limit increase request is submitted, online or by telephone with a representative, the request may be instantly approved without a credit bureau review. If the request requires additional review, you are notified that we need to obtain a copy of your credit bureau report. " When I applied online my request was immediately denied. I did not get a message that someone will respond to me in 24 hours. Based on the Citi executive response I contacted them again and the representative mentioned it specifically mentions if my credit bureau report will be pulled. The website interface is very misleading, when a customer goes to Credit line increase page, sometimes it says " customer will receive instant decision and bureau report will not be requested and few other times it says " bureau report will be obtained and reviewed in 24 hours '' ( see attached ). I told representative that I might have been shown the page with bureau report required but since I was declined instantly it should have been the page when it does n't require credit check. When I asked for a proof the executive said, she can not provide the proof of which page I clicked on as the information is proprietary. I do not understand if it is my information why the bank can not share with me what I submitted rather than saying I must have clicked on the page which says bureau report required. 

I have attached below : 1 ) Previous complaint and Citi 's response. 
2 ) XXXX screenshots of different message on the same page which leads to confusion for the customer. 
I would appreciate if Citi can remove the hard inquiry as my request was instantly declined and if it was a hard pull page I would have got a message after my request that it will be reviewed within 24 hrs. 
It is sad that Citi can not provide the proof and mistrust a customer woh has been banking with them for 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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: Credit card

XX/XX/XXXX Yesterday on XX/XX/XXXX a dispute of alleged debt was sent to SYNCHRONY BANK via REGISTERED MAIL # RE XXXX XXXX XXXX XXXX. This dispute was sent in response to SYNCHRONY BANK, previously receiving a notice of billing error from me via REGISTERED MAIL # RE XXXX XXXX XXXX XXXX on XX/XX/XXXX and refusing to address it. The XXXX XXXX XXXX under barcode # XXXX XXXX XXXX XXXX XXXX XXXX [ my return receipt ] came back to me with the corner that would indicate the date received torn off with no signature and no printed name. I was able to validate the date of delivery on the XXXX website, however, which is included in this complaint on the attached .pdf. This violation falls under Interference with Commerce under Title 18 USC 1951 ( The Hobbs Act ) and Obstruction of correspondence under Title 18 USC 1702. The Criminal Resource Manual from the U.S. Department of Justice, CRM 940. 18 U.S.C. 1341 Elements of Mail Fraud states the following : There are two elements in mail fraud : ( 1 ) having devised or intending to devise a scheme to defraud, and ( 2 ) using the mail for the purpose of executing, or attempting to execute the scheme. Schmuck v. United States 489 U.S. 705, 721 n. 10 ( 1989 ) ; see also Pereira v. United States, 347 U.S. 1, 8 ( 1954 ). SYNCHRONY BANK has in its possession a billing error notice from me since XX/XX/XXXX that SYNCHRONY BANK was bound by federal law to address within thirty days via a written notice to me to provide clarity on the matter. Instead, SYNCHRONY BANK ignored it, bombarded me with phone calls and sent me a presentment to collect the alleged debt in violation of federal law! SYNCHRONY BANKs action in this matter is also a violation of Title 15 of the specific codes listed in the notice below, is an intention to devise a scheme on me & constitutes the use of the mail to execute the scheme which is fraud and a violation of Title 18 U.S.C. 1341.
Product: Payday loan, title loan, personal loan, or advance loan

I have a payday loan with Wahido Lending, dba River Valley Loans. I took the loan in XXXX of 2023 for the amount of {$200.00}. I didnt know the interest rate, and they dont tell you until after you hit accept. I accepted the loan and read the interest to be 69 %, I agreed because payday loans are higher. After several months of paying {$25.00} a week, I started questioning what was going on. I received no email for account setup and had no idea what website to go to, so I did a simple web search and found it and set up my account. I am looking for payment history, there is nothing. Looking for the amount left to pay, there is nothing. Found how much I owe and its a {$1000.00}, with a pay off today amount of {$270.00}. Now I am extremely concerned and confused, I look and see that my interest rate is 690.29 % and once all said in done I would pay a total of {$870.00} in interest. Go on to read on there website that they do not give loans out to Minnesota residents, yet they gave me one, I live in Minnesota!
Product: Credit card or prepaid card

I rented a car from XXXX in XXXX. Two charges were posted related to the rental ( one charge denominated in USD and the other denominated in Euros ). The charge was posted on XX/XX/2018. I disputed the charge on XX/XX/2018. However, I didnt have all the details i.e. credit card statement when I disputed the charge. Subsequently I contacted Chase Bank to change the disputed amount on XX/XX/XXXX, which they told me I had to wait until the original dispute was settled When I tried disputing the additional amount, Chase declined the additional disputed amount saying I had missed the deadline to file a dispute. However I was just following instructions given to me by the Dispute department. Please refer to the attached letter I have sent to Chase. The additional disputed amount is {$150.00}.
Product: Credit card or prepaid card

Paypal refused to close my account today despite 8 phone calls and failed to recredit me for a fraudulent charge for {$170.00} from XXXX
Product: Vehicle loan or lease

I originally went into a contract with XXXX XXXX and sports provided the contract was written as a consumer installment contract not a loan But credit acceptance has reported it as a vehicle finance loan as a finance loan it violates federal contract law in regards to finance charges 1026.4 Finance charge. subsection4 d part 2 ( i ) The insurance coverage may be obtained from a person of the consumer 's choice, and this fact is disclosed. ( A creditor may reserve the right to refuse to accept, for reasonable cause, an insurer offered by the consumer. ) ( ii ) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 1026.17 ( g ), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage. 
the creditor as they have told the world they are faild to give me the option to choose to be insured through the finance charges and forced me to find insurance I will settle for no less than destruction of the contract and a full refund of the complete purchase including the downpayment