23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I filed a claim against XXXX charges with my Capital One Bank for services not rendered. 

On XX/XX/XXXX, although XXXX did not oppose nor file against any of my disputes Capital One still denied my claims against XXXX and recharged my account with {$260.00}. 

On XX/XX/XXXX and XX/XX/XXXX I asked for a Supervisor to get involved. 

When receiving no response by XX/XX/XXXX I again called on XX/XX/XXXX and XX/XX/XXXX. 

Upon speaking to a supervisor my claims were still denied. In sum, enabling XXXX to fraudulently charge customers and string them along about rectifying their lack of services. Stringing them along so as to continue charging fraudulently. While in the interim customers in good faith wait on XXXX to resolve their false advertising. 

Capital One claim number XXXX
Product: Credit card

I canceled my Discover Credit Card in XX/XX/XXXX of this year, due to numerous unauthorized charges ( mostly by XXXX 's ) and XXXX disputes that were found " in favor of the vendor '' in excess of hundreds of dollars, although documentation was not properly collected nor investigated properly. I have now received a statement from Discover with a charge dates XXXX ( 2 months after I canceled my card ) for a XXXX warranty in which during a call on XX/XX/XXXX, Discover informs me " we have documentation that supports the vendors ( XXXX ) charge. '' I however, have been directly communicating with the XXXX Offices of XXXX, and they have assured me that my warranty in the amount of {$85.00} was not charged. When I called to complain about this fraudulent charge to Discover, they REFUSED to give me anyone 's name, and would only give me a " p.o.box address to lodge a complaint. '' They also threatened ( bullied XXXX me that " if you do n't pay, you will be charged late fees. '' As an independent XXXX, I have spent a PLETHORA of hours upon hours from XX/XX/2016 to Present, fighting with Discover, which has equaled additional financial loss. Please tell me how a credit company in which I separated services with over 2 months ago is holding me in financially responsible and XXXX for unauthorized and fraudulent charges to a credit card THAT NO LONGER EXISTS?
Product: Debt collection

Sunset Finance, XXXX, GA is continually calling me and my sister 's number ( XXXX ) XXXX. I have retained a credit repayment firm, and they received notice, but they continual to call. I am XXXX and the calls to me and my sister are causing a mental health strain. 

Please intervene for me. I am a XXXX veteran with mental and medical issues I have power of attorney with XXXX XXXX XXXX firm.
Product: Credit reporting or other personal consumer reports

APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR EQUIFAXXXXX TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS EFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$7700.00}
Product: Debt collection

They first left me a voicemail saying that if I do not respond in a certain amount of time they will try to locate me. They threatened to call my current employer to find me. They also called my husband stating the exact same thing. I called them back ( XXXX ) and they said they were " compliant mediation '' of some sort tried to guilt trip me and ask me questions like " you did not plan on paying it back didn't you? ''. They say I am being sued by XXXX county and that they will come find me. I have not received any notice by mail that they are doing so.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX XXXX XXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX of XXXXXXXX XXXX. My vehicle financing was done through XXXXXXXX XXXX  During this process, there were two hard inquires from a company named XXXX XXXX which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XXXX XXXX XXXX I mailed written notice of my information being used without my permission and requested removal of the two unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to close my account. Yet, while I owe them {$520.00} on XX/XX/XXXX, when I try to close my account through the app, it says I owe {$630.00}, which is entirely fabricated with NO basis. They continue to provide horrible customer service, refuse to be contacted via phone, and seems like they deliberately spend hours without solving any problems. Now they can't even get the amount owed correct. They should not be allowed to take advantage of vulnerable customers. 

Yet again, they wasted hours of my time through their chat feature and closed my written requests to correct this and pointed me back to their chat feature. There is no accountability and they have repeated broken their own policies and contract with me. And now, I want to close my account and they added an extra {$110.00} for NO REASON.
Product: Credit card or prepaid card

This complaint is in ref to initial complaint number XXXX. 

I was mis-lead until I noticed of a {$95.00} membership fee. This was not mentioned during the phone application for a Chase Bank Business Credit Card. When I complaint to the company, I was told to close the account and re-apply for a different card and Chase will pull my credit report again. Why? They were unwilling to transfer over to a non-fee credit card. 

I am a small XXXX Veteran XXXX  trying to survive during this crisis. Don't have time for this sort of non-sense from a co that I have spent over 22 years of military service defending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX  : XXXX XXXX, Account Name : XXXX XXXX xxxxxxxxxxxx XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 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 my account without my written permission. 
15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I sent a letter to Experian asking them to look into a number of accounts they are reporting that I need more information on. They refused saying I disputed this already. I do n't know what they call a dispute, I did at one time try calling the numbers under some of the accounts I question but all I got was bullied by debt collectors and harassed. I know I have a right to that information from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXccount # XXXX ) Has violated my rights
Product: Debt collection

This mater is in reference to a collection placed on my XXXX XXXX HOA account going back 7 years. I have made numerous payments on my account but the balance never decrease. Based on my account records with the Law Office if Cynthia Hitt Kent, LLC there a number of payments that has not been credited to my account. I have contacted the collections office on many occasions identifying this issue. No action has been taken to update my account with the collections agency ; in turn there are all kinds fees and interest charged to my account. In my communication I have submitted copies of checks chased on my checking accounts. Fails information is forwarded to my HOA Board and they are taking legal action against my assets.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments.
Product: Payday loan, title loan, or personal loan

Keybank paid off car loan with home line of credit and received title but was not collateral on the loan. Keybank received title and we have requested more than 4 times for the title and payoff confirmation. They keep stating they mail it and have confirmed address information but it is never received. The vehicle was traded in and the dealership is threatening to buy back the car and charge for use and mileage. 

Keybank is will not allow any further options to collect the title and paid in full information except by mail.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent a dispute to equifax going over some items i felt were in accurate and eperian has done everything to ignore my request to look into the dispute. They continue to stall in regards to this matter
Product: Mortgage

There is an assignment of deed of trust on file with the XXXX County Clerk 's office that was filed on XXXX XXXX, 2011. The assignment of deed of trust has the incorrect property city and property zip.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems reporting an FTC violations with XXXX XXXX XXXX XXXX {$1500.00} and {$49.00} both FTC violations
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : 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 XXXXXX/XX/XXXX
Product: Debt collection

I am submitting this complaint regarding Springs Oak, Capital LLC for their violations of consumer rights. Notably, Springs Oak, Capital LLC has been found in violation of consumer protections in cases such as Briones v. Midland Credit Management , Inc., 2018 WL 1157982 ( C.D. Cal. 2018 ), where Midland was found to have violated the FDCPA by engaging in deceptive practices, and La Grassa v. Midland Credit Management , Inc., 2019 WL 4862065 ( E.D.N.Y. 2019 ), highlighting the companys repeated issues with consumer rights. These precedents further underscore their pattern of misconduct. 

Upon reviewing my credit report, I discovered that Springs Oak, Capital LLC has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. This action constitutes harassment, defamation of my character, and an outright violation of my rights. Springs Oak, Capital LLC is collecting on behalf of XXXX XX/XX/XXXX further infringing on my rights. 

Additionally, my private information has been improperly shared with Springs Oak, Capital LLC, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress. 

Please note, I am not requesting verification of the debt, as the required verification should have been completed prior to placing this item on my credit report. 

I urge Springs Oak, Capital LLC to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations. 

Furthermore, Springs Oak, Capital LLC has violated the following FDCPA provisions : 15 U.S.C. 1692e : Prohibits false or misleading representations, which Springs Oak, Capital LLC has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes improper sharing of my personal information.

I am requesting a prompt investigation into this matter and expect confirmation of corrective action within 30 days. Should Springs Oak, Capital LLC fail to address these issues, I will pursue further legal and regulatory actions to protect my rights.
Product: Checking or savings account

My East West Bank account can not view the monthly statement, and the customer service does not cooperate to pull this part of the information
Product: Credit card or prepaid card

I applied for this product online and this is what I agreed to. XXXX XXXX XXXX # XXXX There is no annual fee and there is supposed to be a spend promo at {$500.00}. I contacted capital one on XX/XX/XXXX regarding fee and they stated its a part of the terms of the account and I was provided an address to send a letter. I also mentioned the fee of {$39.00} in comparison to a credit limit of {$300.00} seemed excessive and was told its a part of the terms of the account. 

Then on XX/XX/XXXX I contacted them to see how far away I was from the spend promo of {$500.00} and was told this did not apply to my account. As you see from this link this card should not have an annual fee. I applied online but had to call in to approve the application and did not request any changes. Their customer service is of little help and they are XXXX bent on saying I approved this fee when i did n't and this offer does n't apply and no other explanation. 

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delaware XXXX phone XXXX last 4 of ssn is XXXX
Product: Credit reporting or other personal consumer reports

The account is being reported monthly as a charge off. This is not correct because the account was originally charged off back in XXXX. I was never given a XXXX for that charge off. By allowing the account to be charge off each month, it prolongs the date of when it was organically charged off in XXXX. 

This is fraudulent reporting by the creditor. 

For this non-compliance, I will seek civil liability for willful non compliance under 15 U.S. Code 1681n.
Product: Debt collection

XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing in response to a collection notice I received from your company regarding an alleged debt. I do not acknowledge this debt and request full validation under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Per my rights, I am requesting the following information before I consider any further action : 1. The name and address of the original creditor.

2. A complete accounting of the alleged debt, including the full amount and itemization of any fees or interest added.

3. Copies of any written agreements or contracts bearing my signature that substantiate my obligation to this debt.

4. Proof that Jefferson Capital Systems LLC has legal standing to collect this debt, including a copy of the assignment agreement or purchase agreement transferring ownership of the debt.

5. The date of the last payment on the account, as well as the date the account allegedly became delinquent.

6. The applicable Statute of Limitations ( SOL ) for this debt according to my state of residence.

7. A copy of the last billing statement sent by the original creditor before the account was allegedly placed for collection.

8. Documentation showing that Jefferson Capital Systems LLC is licensed and legally authorized to collect debt in my state. 
Additionally, in accordance with the Uniform Commercial Code ( UCC 3-501 ), I demand you provide proper proof of claim and verification of the alleged debt in compliance with legal requirements. Until I receive sufficient validation, I do not acknowledge or accept liability for this debt.

Per the FDCPA ( 15 U.S.C. 1692c ), I request that you cease all communication regarding this alleged debt until proper validation has been provided. Any further attempts to collect this debt without proper validation will be considered a violation of my rights under federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
If this debt is time-barred under my state 's Statute of Limitations ( SOL ), I request written confirmation that you will cease all collection activities, per FTC guidelines regarding outdated debts. 
Please note that this letter serves as a formal dispute. Any failure to comply with my validation request may result in legal action being taken against your company. 
Sincerely, XXXX XXXX
Product: Student loan

After I submitted complaint # 1 about Wells Fargo 's handling of our student loan, here 's what I have as of XX/XX/XXXX : - Despite the fact I was a customer in good standing from XX/XX/XXXX to XX/XX/XXXX, in XX/XX/XXXX our account went into defaults because suddenly two of three accounts were n't called out by number on my payment. Never a problem before XX/XX/XXXX, a problem now yet no notification that something had changed or shifted - Despite the fact I 've been paying {$500.00} every two weeks against the loan set since XX/XX/XXXX, since XX/XX/XXXX I 've had to pay @ {$700.00} extra to make up for the " default '' account and apparently still " owe '' {$320.00} - over an additional {$1000.00} out of pocket and a hit on my credit report, thank you Wells Fargo for the awesome refund of {$37.00} on so-called late fees - In their written response, Wells Fargo clearly states : " we are unable to send cosigners monthly billing statements. '' If cosigners are held to the same level of responsibility as primary account holders, we should legally have the same rights.
Product: Credit reporting or other personal consumer reports

I reviewed My Report and saw that I had a different balance on my account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Extreme Accuracy. This information is damaging and I had a credit card closed because of this dated information and difference from reports. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ XXXX XXXX XXXX