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

I have been a customer of Capital One Bank. I believe that their fees have been predatory and deplorable. My husband died and I was trying to pay all of my bills on time. I would like to receive an account of my account payment history. I want to understand how the interest rates fluctuates from one amount to the other. I want to receive copies of all of the charges on my account per month since I opened this account.
Product: Debt collection

Aldous & Associates , PLLC XXXX XXXX XXXX System XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates , PLLC, Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Product: Checking or savings account

Citi restricted and then closed my checking account. will not refund or give me my money back. Citi will not communicate or respond. they sent me a letter from there fraud prevention dept. with a contact number, stating that my call to that number would clear up the matter. when calling said number, they say someone will contact me within 24 to 48 hours. Iv made five such calls and no response. when I call that number now Citi says they closed the account and its under investigation. and if I can prove the money is mine I may get my money back. Citi removed my money from my account 2 weeks ago and still have not contacted me for what ever info they feel they need from me to clear up the situation. other than a letter asking me to contact them. which I have now tried five times with only a response from Citi saying someone will be in contact with me in 24 to 48 hours but they never do,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter challenging the validity of these alleged bankruptcy Innovis have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with XXXX, I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to hear back from them.
Product: Credit card

Dear Sir/Madam My name is XXXX. I am a student at XXXX University XXXX. I am from XXXX and my credit card is from XXXX XXXX. On XXXX XXXX there were XXXX fraudulent transactions on my credit card. Total amount was about XXXX XXXX dollars. I did not receive any OTP. But the bank blocked it after transactions. Next day I found out. I registered a complaint against these transactions and asked for a refund. XXXX was XXXX Meta Platforms , Inc. I know XXXX provides refunds. But XXXX provides only XXXX transactions in refund. I am a student, I can not pay an amount of XXXX dollars. They are not helping me. Even when I called them from XXXX they canceled my call. I complained to them more than XXXX times. I only want all transactions amount back. I complained about that to banking court, but no response. No, my concern is that why XXXX don't have any system to compliant. I tried my best to contact to XXXX for refund but I failed. Why does XXXX XXXX XXXX XXXX has customer with criminal activities. Definity someone who purchased advertisement by hacking my credit card belong to any other company. A common person or hacker don't purchase advertsiments. It will be company. Its mean XXXX XXXX XXXX XXXX support these companies to run its own business. My XXXX XXXX XXXX is XXXX. 
Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Debt collection

A letter dated XX/XX/2019 was received from debt collector Williams & Fudge on an account receivable by XXXX  XXXX XXXX University. A payment plan negotiated with XXXX has been faithfully paid to on the account. XXXX never reached out to alert that there was any sort of problem, or that the debt was going out for collections. 

This is not a student loan, but is instead funds owed directly to XXXX for tuition after a scholarship had been retracted for insufficient GPA. No signed agreement was made outlying or accepting terms on a debt. 

Williams & Fudge has tacked on a 33 % fee on the account, the origin and acceptance of that specific fee as a penalty can not be determined. Neither notification of rights under state law nor a statement of their terms was provided, including a clause for time-barred debt and the significance on paying a time-barred debt. A statement of enforcability in a lawsuit was also not provided as is required by law per the NM Attorney General. 

I request that CFBP investigate the situation, the source, amount and legality of the debt collector fee, and compliance with federal and state law including FDCPA, NMCARA, New Mexico Unfair Practices Act, and NMSA 1978 Section 37-1-1 et seq.
Product: Credit card or prepaid card

I had about XXXX reward points in my Bank of America Merrill+ credit card. The points are worth about {$1000.00} in redemption value. 

On XX/XX/2020, Bank of America suddenly closed my credit card without giving me a chance to redeem the reward points. This is a classic bait & switch tactic. Bank of America earned credit card processing fees because of my card usage. By denying my ability to redeem these rewards points, Bank of America kept all their credit card processing fees thanks to my business, but refusing to give me the credit card rewards as promised.
Product: Credit reporting or other personal consumer reports

I

am writing to formally request that the fraudulent inquiry listed below be blocked and deleted from my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed. Fraudulent Inquiry : XXXX  - Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$2700.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent XXXX, Transunion, and XXXX a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account.

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.
Product: Debt collection

Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Comprehensive Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, and Capital One Dear Sir/Madam, I am writing to file an extensive complaint regarding a deeply concerning matter involving XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One. This situation has caused immense distress and confusion, and I earnestly seek your intervention in resolving this complex issue. 

To provide a complete overview of the situation, I must first emphasize that XXXX XXXX XXXX XXXX has persistently refused to remove a derogatory and outdated delinquency from my credit report. Despite the fact that my lawyer successfully discharged this debt in court, XXXX XXXX XXXX XXXX continues to pursue me, tarnishing my creditworthiness and causing substantial harm. 

Furthermore, I recently received a letter from XXXX XXXX, asserting that I have serious delinquencies reported at XXXX XXXX and XXXX. These delinquencies are directly linked to the aforementioned matter with XXXX XXXX XXXX XXXX. I find it deeply disconcerting that XXXX XXXX, XXXX XXXX, and XXXX are perpetuating false and damaging information, despite the court ruling and the debt discharge. 

In addition to the issues mentioned above, I have attached documentation related to a Capital One debt, which has not been current since XXXX. Astonishingly, the letter sent to me by XXXX XXXX is dated XXXX, falsely claiming that the bills are from XXXX. This misinformation is not only misleading but also further demonstrates the negligence and unlawful practices of these entities. 

It is evident that XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX, and Capital One are all interconnected in this matter. Their collective actions have caused significant harm, violated consumer protection laws, and flagrantly disregarded the court 's decision and debt discharge. 

I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and Capital One. I urge you to take immediate and decisive action to rectify this distressing situation and hold these entities accountable for their continuous disregard for the law. 

Enclosed with this letter, you will find copies of all relevant documents, including the court ruling, the debt discharge documentation, the letter from XXXX XXXX, and the Capital One debt records. These documents serve as vital evidence to support your investigation and highlight the urgent need for resolution. 

I deeply appreciate your attention to this matter and your unwavering commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will expedite the necessary actions to address this issue, rectify the harm caused, and ensure that all parties involved are held accountable for their unlawful behavior. 

Thank you for your immediate assistance. I eagerly await your prompt response regarding the resolution of this multifaceted matter. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

Fraudulent charge to Citi Master Card dated XX/XX/XXXX for {$230.00}. The vendor was XXXX ( XXXX ). This was an online charge and our cards were not lost or stolen. This was reported immediately to the Citi XXXX department who now refuse to correct the charge and and threaten to report us to the three consumer reporting agencies if we dont pay Citi Corp back The vender has also been contacted and states they can not assist as the charge was made too long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas XXXX XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both XXXX  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 Midwest Recovery Systems XXXX XXXX {$1500.00} 2 XXXX XXXX {$190.00} 3 XXXX   XXXX  {$610.00} 4 XXXX XXXX {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of Amp Security XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was {$500.00}, Not {$1800.00} Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX  is over the time frame required to submit report to me. Please refer to the attached XXXX XXXX dispute letter sent to them.
Product: Credit card

I made a payment of {$7400.00} to CitiBank on my credit card. They dated stamped my check. It was honored on second submission to my bank. The first submission was declined as a security matter by my bank. Citi charged me with a late payment, reduced my lines of credit, and has failed for 12 months to fix the problem, despite many phone inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
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

This is in response to a complaint.I alreadrefiled complaint number XXXX XXXX I Previously filed this complaint against women within. And comety Bank responded and said they closed the account with monetary settlement. 
Today I checked my experience credit account. And it was still open and reported. I had been {$110.00} late this month. 
This is not what comity Bank said they did Not closed and no monetary settlement
Product: Credit card or prepaid card

My name is XXXX XXXX and I am writing this complaint myself against Goldman Sachs. 

On XX/XX/XXXX Goldman Sachs was asked to Validate a Debt pursuant to FDCPA 15 US Code 1692 via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In this They chose to remain silent and did not validate my request so I sent them a Notice of Default on XX/XX/XXXX via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In both notices I asked them to stop all collection attempts via phone or electronic. Since that notice received by them I have received phone calls every day from their customer support center in regards to my bill. Per 15 USC 1692d ( 5 ), a debt collector may not cause the phone to repetitively wring and 1692c ( c ) a debt collector may not contact you after you have asked them not in writing, Goldman Sachs has broken the law and is liable to XXXX worth of damages per 15 USC 1692k for calling XXXX XXXX repetitively. 

Goldman Sachs has also broken other laws according to the Fair Debt Collections Practices Act. 

All of this is documented in the attachment.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate late payment information on my XXXX, Experian and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, XXXX, and Experian and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXXXXXX XXXX XXXX XXXX account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.
Product: Credit card or prepaid card

Company is REFUSING to give me my secured deposit back until i provide them with income verfication on another account not associated with the account is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts thats currently listed on my XXXX, XXXX and Trans Union credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission XXXX FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.