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

Capital One is sending me alerts incorrect alerts in regards to credit profile and my so called free service XXXX XXXX  it upsets me that the information there providing and stating is incorrect NOT MATCHING THE THREE BHUREU 'S causing me to questionINFORMATION I believe Capital One is deliberately providing this information with following marketing adds asking me too purchase crediting monitoring products XXXX XXXX Is Over Reporting And # XXXX company damaging my credit WITH NO FORGIVENESS ( IMPACTED BY COVID ) Capital ONE they are stealthy to report late payments not once but twice to keep me in bed with them and offering me extended credit and reporting/diminishing my credit worthiness I HAVE PAID OFF ALL CARDS AS I WILL ONLY USE THEM AND MY CARD IN A EMERGENCY last time I closed 2 accounts it made my score way down I will leave one account open to prevent this in the future
Product: Debt collection

This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the FCBA, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the FCBA in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX, PNC Bank completed the merger with my bank, BBVA. I completed the process for mobile access to my accounts on the XXXX. To my surprise and dismay, I could not see my accounts, but I could see those of my Ex-husband. These are accounts that have been opened since our divorce in 2018. I could see his recent transactions, etc. 

I went to the branch in my hometown of XXXX CO and sat down with the manager, XXXX XXXX. He was shocked when I showed him that the accounts I was seeing were not my own. I could not see my accounts, so I can only speculate on who could see them. XXXX XXXX could not do anything to help me, but offered to escalate the problem. 

Several days later, I could see my accounts, including a personal signature line of credit ( which PNC labeled a business credit line ) initiated in XXXX of XXXX. The max draw was {$250000.00}. I used {$200000.00}, and had paid the note down to approximately {$170000.00}. The loan terms were interest only for a year, then principal and interest. The historical payments were between $ 700- {$800.00} per month, plus some principal payments. When PNC took over, they upped the payment to {$4700.00}. I immediately called and after many calls and lengthy holds, I was told that it was being escalated. I spoke with a woman named XXXX, no last name given who was sympathetic, yet could not remove the autopay. She said she escalated the case. 
I eventually spoke with XXXX XXXX, a case manager on XX/XX/XXXX, XXXX XXXX, case manager on XX/XX/XXXX, and now XXXX XXXX, case manager, on XX/XX/XXXX. In the meantime I have spoken with at least 5 other representatives who answered the phone and could do nothing. I spoke with XXXX on on XXXX who assured me the auto pay was discontinued so I could make the interest only payment. I promptly paid {$800.00} to cover the interest on XXXX, only to find that PNC continued with the autopay in the amount of XXXX on XX/XX/XXXX! They were going to get their {$4700.00} even though autopay was discontinued, and this is an interest only account! 

I need help resolving this. PNC has been no help in resolving this issue, passing it on to yet another " case manager ''. I plan on closing the account that they are drawing on, as to prevent yet another unauthorized deduction.
Product: Debt collection

I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ), you are legally required to stop contacting me once this request has been received. 
This letter serves as my official notification that I no longer wish to be contacted regarding this matter. Please be advised that this request applies to all forms of communication, including but not limited to telephone calls, letters, emails, or any other method. 
You may only contact me to confirm that no further collection efforts will be taken or to notify me of specific legal actions you intend to pursue, if applicable. 
Failure to comply with this request may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. I also reserve the right to take legal action under the FDCPA for any violations. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a new collection account was placed on my credit report by a company called XXXX XXXX XXXXXXXX account number XXXX as a medical debt. I asked all three bureaus to investigate as I have never had an account with the company listed. All three came back and just stated verified without giving me any details as to how they verified the debt, who they spoke to and how they know the debt is mine. I need this inaccurate information removed from my credit report as soon as possible.
Product: Debt collection

I am writing to formally file a dispute and dispute against a third-party debt collection agency for improper actions in connection with an alleged debt. I believe the debt collector has violated federal laws, including Fair Debt Collection Practices Act ( FDCPA ) and/or Fair Credit Reporting Act ( FCRA ). Below are the details of my complaint : TRANSWORLD SYSTEMS INC ACCOUNT # XXXX The debt has been reported inaccurately to the credit bureaus without providing notice or validation. 

The debt collector engaged in harassment or used abusive and deceptive tactics such as, calling excessively. 

Despite the lack of validation, the collection agency reported this debt to the credit bureaus, damaging my credit. 

FDCPA Violations : Failure to provide written verification of the debt and/or using deceptive, unfair, or harassing practices. 
FCRA Violations : Inaccurate reporting of the debt without following required procedures for notification and investigation.
Product: Debt collection

As a federally protected consumer I entered into a consumer credit transaction with XXXX XXXX XXXX XXXX only. The Law Office of Brett. M. Borland P.C. falsely claims to be authorized to collect this alleged debt and I assume is working on behalf of XXXX XXXX XXXX XXXX. This law office having details of my private transaction as a federally protected consumer is a violation of my right to privacy. Additionally, they have violated several federal laws which are outlined in my attached Affidavit of Truth and Exhibits below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXXXXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took a title loan with a company called XXXX. I finished paying off the loan last month in full. As of today XXXX has not returned my car Title and continues to ignore my phone calls and emails regarding my title. The company refuses to return my title and remove themselves as lienholders. This is clearly a violation and fraud on what they are doing and the company needs to be investigated. They are still reporting to all 3 credit business Bureau that the account is still open and a debt is still owed which is incorrect
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$400.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$400.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity.

Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Prepaid card

I received an American Express prepaid gift card of {$3000.00}. When I tried to use it, it was declined by nearly all online vendors that I've tried. 

The American Express gift cards are advertised such that " they can be used virtually anywhere American Express Cards are accepted in the U.S. '' However, the vendors that I tried all accept American Express credit cards, but they declined this gift card. 

After a quick search, it's apparent that this is a common problem that have happened to many people who have received American Express prepaid gift cards. 

I'm attaching a screenshot of the transaction record showing some of the declined transactions. There are additional transactions that were declined but somehow do not show up on American Express 's check balance webpage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the debt associated with Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported by your agency as follows : Original Creditor : ** XXXX Original Amount Owed : ** {$4000.00} Current Amount Owed : ** {$4100.00} Date Assigned : ** XX/XX/XXXX Balance Date : ** XX/XX/XXXX Status : ** Unpaid This account contains inaccurate and incomplete information that violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **Incorrect Balance : ** There is a discrepancy between the original amount owed and the current amount. Please provide a detailed breakdown explaining the additional charges added to the original balance of {$4000.00}, which now reflects {$4100.00}. 

2. **Unverifiable Information : ** The status date, balance date, and account details are ambiguous and lack supporting evidence. Please provide documentation verifying the debt, including : - A copy of the original agreement with XXXX, showing my signature. 
- A detailed account of all payments, charges, and fees applied. 

3. **Account Designator and Classification Concerns : ** This account is reported as an **INDIVIDUAL_ACCOUNT** under **BANKING** classification. I request verification to ensure these designations are accurate and consistent with the original creditor 's reporting. 

4. **Date of First Delinquency : ** The " Date of First Delinquency '' is listed as XX/XX/XXXX. This date must be substantiated with appropriate records from the original creditor. 

Furthermore, the comment on this account states that the " **CONSUMER DISPUTES THIS ACCOUNT INFORMATION**. '' If this has been previously disputed, I request the results of your investigation and all evidence considered.
Product: Mortgage

I was previously serviced by XXXX loans on auto pay for the previous 7 years. On XX/XX/scrub>XXXX my loan servicing was transferred to PennyMac for loan servicing. I contacted them on XX/XX/year>, to setup auto payments. During this conversation a PennyMac representative ( XXXX ) presented a bi-weekly payment program. During this conversation I was informed I would need to make 1 month payment to be eligible for enrollment. While on the phone I gave my bank account information and listened for approximately 15-20 minutes as he read the required disclosure documents. After reading the information the representative informed me my next payment would be due on XX/XX/year> in the amount {$1200.00}. On XX/XX/year> in noticed PennyMac had not drafted the first bi-weekly I reached out to their customer support. During this call I was informed my account had been suspended and I was not eligible for the bi-weekly program. This call lasted for approximately 1 hour 20 minutes of the representative trying to explain how the system would not draft my account because I would now be required to pay 2 months in advance to be eligible for the bi-weekly program. I explained to him that this was not what I was told when I setup the account. Because he continued to repeat the same prompts off of his screen I asked him to escalate my concerns to a supervisor and call me the next day with solution. When I spoke with PennyMac the following day I asked him to please listen to the recording to confirm what I was told by their representative. The following day I received another call from PennyMac highest member of their escalation team acknowledging their employee misrepresented the bi-weekly program on XX/XX/year>, and their was nothing they could do to resolve my concerns. I feel PennyMac is in breach of contract because acceptance of my payment on XX/XX/scrub>XXXX agreeing to the disclosure documents, and receiving a Welcome email on XX/XX/year>, was a binding agreement they have not upheld on their behalf. As a result I would like to made whole and compensated for the financial misrepresentation. Please let me know how to best proceed with my complaint? I look forward to hearing your response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file. I have been a victim of a data breach, and these items have been added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to remove such fraudulent entries from my credit report. 
Account to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XXXX - {$00.00} Inquiries to Be Blocked and Deleted : 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 reporting or other personal consumer reports

Formal Dispute of Inaccurate Late Payment Reporting to TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.
Product: Credit reporting or other personal consumer reports

Letters were sent to Equifax, XXXX, and XXXX in regard to incorrect personal information they have on each of their reports. I asked for removal as well as any and all documentation pertaining to how and from whom they received this information. I received no response from either three bureaus, and the incorrect information remains on their reports. I have attached copies of the letters that were sent to each company which lists the information that needs to be removed, asap.
Product: Debt collection

USAA sent me notifications that I had been paid due to them billing me incorrectly on closed credit card accounts. I called them to find out where this credit went. Every representative asks for money for a debt from a renters policy that was discharged under a bankruptcy XX/XX/XXXX. I want an audit of my account and them asking for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out dispute requests on XXXX XX/XX/2023 and XX/XX/2023 to Equifax regarding account number XXXX. There are SO many discrepancies with this account, that it is XXXX that is can not be properly verified. I even requested a method of verification and Equifax has XXXX to provide me with that information. 
This account is being reported differently across ALL XXXX bureaus, and until XXXX of them can provide proof that they are reporting it correctly, THEY ARE ALL REPORTING INACCURATE INFORMATION. 
For instance, with this particular account, I am current on payment in XXXX but suddenly in XXXX I am 60 days late???? There are no more than 31 days in any given month, HOW IS THIS POSSIBLE?? This happens XXXX from XXXX to XXXX- I am supposedly 120 days late in XXXX but then 60 days late in XXXX? That is physically NOT possible.
Product: Credit reporting or other personal consumer reports

For the past several years my credit score has been averaging at XXXX. Recently, I was informed that my credit score has been reduced to XXXX and that this action can affect my ability to acquire loans. 

For the past several years I've been debt-free and paying my utilities and credit card bills on time. I'm left with the understanding that an XXXX credit score is a scheme used to keep consumers in debt while burdened with high interest rates. 

I've worked hard to acquire an XXXX credit score only to be XXXX by credit reporting agencies and their banking buddies. If I don't pay large interest payments on credit cards, one of my banks [ XXXX ] will ensure that I receive a credit score penalty. 

On the other hand, if I fail to pay my debts to [ XXXX ], I will receive a credit score penalty, damaging my ability to acquire credit. 

Nothing in life is free. The elusive XXXX credit score is a money-making scheme. The pay to play relationship between banks and crafty credit reporting agency XXXX  must stop. 

I would ask that credit reporting agencies be desolved and that honest brokers like CFPB replace XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report Dear Discover Bank Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported for the following account : DISCOVERBANK : XXXX These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiry for the account referenced above from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX