23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear capital one bank Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card

On XX/XX/year>, I received my Talbot 's credit card statement. I noticed there was a new additional fee of XXXX that would be charged monthly. It was called a paperless fee charge. 
I contacted costumer service and spoke with a representative, to request this fee waived at least for this month, giving me time to decide to enroll into their online payment system. The representative stated ( he ) could not remove the charge on his end instead transferred me Comenity the managing company for assistance. I spoke with a Comenity representative and was informed of the process of enrolling on line and one of the reasons for the change/charge was, that they received many complaints from individuals not receiving their monthly statements. I assured ( her ) I did not have this problem and I should be given the option of receiving my monthly statement in the mail and not be forced to have my personal financial information online. The representative assured me that the system was secure and measures taken to protect against hacking. I did not feel comfortable with this and do not feel I should be obligated into going paperless. I told the representative to close my account instead ; ( her ) response was that I would lose my birthday bonus points. Yesterday, I paid my account in full as I have always done, discarded my Talbot 's XXXX XXXX and requested that the XXXX fee be reimbursed.
Product: Mortgage

This is becoming absolutely ridiculous in regards to how many complaints I've had to file regarding my issues. Here is a timeline of my most recent issues that need to be resolved : XX/XX/XXXX - I have been on a forbearance plan for 18 months. I called in to request a deferral agreement for the process of exiting my forbearance. The customer service representative initiated the process and told me to wait and that I would not make payments until everything had been done. 
XX/XX/XXXX - I receive an email ( attached ) saying the agreement has been approved and to wait on the agreement in the mail. I HAVE RECEIVED NO AGREEMENT XX/XX/XXXX - I receive a message from Loan Depot ( attached ) saying they need additional time to furnish a response. 
XX/XX/XXXX - I receive an email ( attached ) from Loan Depot saying {$8200.00} is being debited from my bank account. I DID NOT AUTHORIZE THIS PAYMENT. I logged into my account and was unable to stop the payment, edit my payment info, or even initiate a payment. 
XX/XX/XXXX - I receive an notice ( attached ) that my mortgage is delinquent despite the fact I have not been informed of the details of the deferral agreement. 
XX/XX/XXXX - I called Loan Depot and was told my deferral agreement is still pending and I am delinquent with a late charge, despite the fact my agreement is still pending. No one could give me information about the {$8200.00} payment and I was transferred around to multiple people without resolution or further information.
Product: Debt or credit management

Back in XXXX of XXXX I paid {$110.00} to is credit repair.com services. Since companies under dispute were informing me they needed proof of ID or authorization that I gave credit repair.com permission to work on my behalf. However, the information I provided to credit repair.com was not getting to the correct department based on the email information provided to send in correspondences. Since a month passed and the company was not able to assist or provide service I requested a refund for the {$110.00} and to cancel my services. I was approved for the refund on XX/XX/XXXX and received email from company stating it was approved and my account has been closed as of XX/XX/XXXX and as a courtesy, my member site will still be accessible for up to 60 days following the cancellation. However, the company is still trying to charge me as if the account is still opened and they keep sending me harassing emails stating my services are suspended when the account has been closed and refund for original amount I paid was already refunded as of XX/XX/XXXX.
Product: Credit card or prepaid card

I have noticed that my Wells Fargo XXXX credit card statement has been consistently misapplying credit cards payments since XX/XX/XXXX. For example, I made recent online banking payments ( transfer from checking to credit card ) on XX/XX/XXXX for {$500.00}, XX/XX/XXXX for {$500.00}, XX/XX/XXXX for {$400.00}, and XX/XX/XXXX for {$1100.00} - each transaction was credited then subtracted twice from my balance. Thus, leaving me with a growing outstanding balance. On XX/XX/XXXX I logged into my Wells Fargo online banking account and noticed that the XX/XX/XXXX payment for {$500.00} that I made to my XXXX credit card was added to my outstanding balance. I called Wells Fargo today XX/XX/XXXX and told by their representative XXXX that the bank knows about the issue and has been working on it. Wells Fargo never issued a notice to its customers to notify about this problem thats been ongoing with their system for well over a month and a half, and its unacceptable to not have this matter rectified immediately. I would like to know the following : ( 1 ) why hasnt Wells Fargo notified its customers of this problem? and ( 2 ) I want my account to be immediately credited {$500.00} that was erroneously added to my running balance when in fact it was a payment on XX/XX/XXXX?
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. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 card or prepaid card

Citi credit card was closed in XX/XX/XXXX. A credit for XX/XX/XXXX {$69.00} was issued to that card by XXXX XXXX but the hostile and dishonest Citi Bank refuses to talk with me on phone and send me my money which I'm owed. 

Citi Cred card end in XXXX XXXX This another example of hostile and unprofessionalism at Citi Bank Card cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XX/XX/2023
Product: Vehicle loan or lease

I am a new auto loan customer in TX, where I purchased a used vehicle from XXXX XXXX, XXXX XXXX XXXX ( XXXX ) via indirect auto loan through Truist ( XX/XX/year> ). As part of the deal, I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have been unsuccessful in my attempts to cancel this product. First, contacted administrator to have them cancel ( XXXX ), they said they did not have my details in their system and referred me back to dealer. Called dealer ( XXXX ), the receptionist had no idea who I should speak to; was unable to assist me in getting to the right area. Finally, called my finance company ( XXXX ). Was advised that they are only the finance company and that I would have to work with the dealer to resolve. I asked if they provide any oversight of the dealerships they have a relationship with and was told no. I advised the representative that I felt like I am being treated unfairly, where I am being charged a material amount ( cost of the product ), being given the run around when trying to cancel, I also expressed my concern to the representative that they feel they have no responsibility to provide oversight of the dealers they are in business with to confirm they are not treating consumers unfairly ( complaint number I was given : XXXX. I have no use for the product ( as I purchased new wheels/tires the same day i purchased the vehicle ). I should have the ability to cancel a product using the contact information from the contract/original deal ; I have no use for product now and further feel that the bank providing funds and making money off of the deal should have some level of responsibility in assisting in customer redress, when consumers are given the run around by administrators and/or dealerships.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are not mines and need to be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing FRAUDULENT CREDIT INQUIRIES ON MY XXXX CREDIT REPORT XXXX has been telling me that I have to wait for the furnishers of the credit inquiries for to respond back to the request they sent. I have submitted a NOTARIZED POLICE DEPARTMENT, NOTARIZED FEDERAL TRADE COMISSION IDENTITY THEFT AFFADAVIT, NOTARIZED COPY OF SSN AND ID.

I have contacted the furnishers to notify that I am a victim of Identity Theft but XXXX is still listing the FRAUDULENT CREDIT INQUIRIES until they said the company sends a letter confirming deletion yet they have not! THIS IS UNETHICAL AND UNFAIR THAT I HAVE TO WAIT AS A VICTIM FOR THE FURNISHERS TO DECIDE TO RESPOND BACK FOR DELETION! 

FRAUDULENT INQUIRIES 1. XXXX XX/XX/2021 2. XXXX XXXX XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXXXXXX XX/XX/2021 4. Ally financial XX/XX/2021 5. XXXXXXXX XXXX  XXXX XX/XX/2021 2021
Product: Checking or savings account

To start off, I am XXXX. I am XXXX, which in America is considered a XXXX. It is XXXXXXXX XXXX. I have tried resolving these problems with Regions Bank many many times, in attempts to get relief from the overdraft fees of well over {$200.00} a month for the last year or more. The majority of the time I have been opted out of overdraft protection. 

As it stands right now, my bank account is- {$820.00}. My paycheck will not be coming to this bank account any longer, as I will not be able to pay rent or anything of the sort if it did. 

With that said, I am currently opted in to overdraft protection, which I did because I needed it this past week. My limit is- {$200.00}. So please have someone explain to me how transactions do not get declined, and at what point they do get declined, or if their abusive practices simply allow it to go that negative due to my direct deposit coming through each month. 

I have gone to the XXXX  in hopes that I receive a refund for the past year of overdraft payments, as many times they have overdrafted me on {$2.00} charges. From the dates XX/XX/2021 to about XX/XX/2021 I was on Social Security XXXX, and that was my only income. 

This entity is financially abusing me and I have no escape from it. It does not matter to me if these charges are bounced- I can manage without them until paydays. What I can't do is handle $ 200+ a month in overdraft fees when I am already living paycheck to paycheck and counting on my elderly mother for food and utilities. 

If this is not abuse, then I will not be using a bank account in America any longer. I want to see more action taken against Regions Bank than them simply sending me a letter in the mail instead of responding to me through the channel that I chose. They didn't even have my address entered correctly. 

This is unacceptable. XXXX XXXX 's bill, the Stop Overdraft Profiteering Act of 2021, has seemed to have an impact as Regions is discontinuing overdraft fees, but Regions still refuses to offer any assistance by refunding the fees or preventing them from continuing. 

It does not cost these banks {$35.00} for a {$2.00} fee! THIS IS LEGAL FRAUD. The economy is crashing and it's America 's banks that are at fault. If nothing is done regarding this case, I am switching solely to Bitcoin. They will not get another penny out of me.
Product: Debt collection

On XX/XX/XXXX I decided to request my free credit reports and noticed that there were charges from a medical collections agency, Grant and Weber, on behalf of XXXX XXXX XXXX, on my credit history report that are detrimental to my score. There are several items to consider on this. 
1 ) Negligence in informing me of this. I never received notification that this was on my credit history 2 ) The one phone call I got from this company - I provided the necessary information for them to contact my insurance, XXXX XXXX. I have always been fully insured and have never incurred any medical expenses that were not covered by my insurance. 
3 ) I have disputed these charges already and yet continue to see them in my credit history Here is the information on these two disputed charges gleaned from the credit report : GRANT & WEBER # XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< GRANT & WEBER XXXX XXXX XXXX XXXX XXXX  XXXX MAIL RETURN XX/XX/XXXX XXXX, CA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$330.00} Date Updated : XX/XX/XXXX Original Amount : {$290.00} Original Creditor : XXXX XXXX I strongly request that these charges be immediately removed from my credit history. This is impacting my ability to have a FICO score that reflects who I am : a law abiding citizen who responsibly takes care of her debt and financial responsibilities. It is negatively impacting my ability to receive the best interests rates on loans and therefore this gross negligent behavior from Grant and Weber is having a negative impact on my economic status and potential as a consumer. Grant and Weber should have contacted me - and show proof of contact - prior to placing these and ignoring my request to remove them. Grant and Weber has the insurance company, XXXX XXXX information, on file to handle these internal disputes between medical groups - it is highly inappropriate to have used me - and injured my credit history - in their collection process.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On  XXXX  without my knowledge or permission my son 's lawyer 's sister who owns a   XXXX   XXXX   XXXX   got a first cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a second cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a cash out refinance for $  XXXX .   The lawyer opened up a new checking account under my name at my bank and put all the cash out money through this account. The lawyer then wrote checks to himself for a total of {$600000.00} and filed my personal bankruptcy without telling me. When I told the the Bankruptcy Trustee I signed none of the papers and did not prepare the bankruptcy papers nor had knowledge of the contents and that I did not know why I was here the Trustee allowed the lawyer too keep the $  XXXX  earned upon receipt and my home went to foreclosure sale. The bank fraud dept. confirmed fraud and that I neither applied for the loan, could never pay any of the monthly payments and did not apply for it and did not get any of the cash outs they nevertheless foreclosed on me and made me homeless since   XXXX  . I can only write and speak  XXXX  and was out of the country when these loan papers were signed by someone. My husband was   XXXX   XXXX   XXXX   when these loan papers were signed in  XXXX   XXXX , CA. I hired  2 lo an modification lawyers that took {$98000.00} cash up front and my new  XXXX  car for collateral and immediately sold my car. They were both disbarred and I never hired these lawyers to do any work for me other than a Livin g Will T  rust w here they got my personal information to prepare a loan application. I am  XXXX   XXXX   XXXX  and do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.
Product: Credit card or prepaid card

Walmart card operated by CapitalOne Card XXXX XXXX XXXX XXXX - Phone XXXX I made a payment of {$75.00} today on XX/XX/XXXX ( due date ) at about XXXX Arizona time, but because it was not by XXXX East coast which I didn't know, they will charge me a late fee of about {$35.00}. When I called and asked to remove the late fee since I paid on my due date, the operator said the computer wouldn't let him doing that, so he transferred me to a supervisor and the lady told me she can't remove it. This is not fair, especially in these difficult times of hardship, and I request CFPB to contact CapitalOne and to ask them to remove the late fee.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally request the removal of unauthorized hard inquiries from my credit reports associated with your institutions. The details of the inquiries are as follows : Truist Bank Requested On : XX/XX/2024 These hard inquiries were unauthorized and do not align with my records with XXXX, XXXX, or XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically : Section 604 ( a ) ( 2 ) of the FCRA states that a consumer reporting agency may furnish a consumer report only with the consumers authorization. I did not authorize these inquiries, and thus, they do not meet the permissible purpose requirements outlined in the FCRA.

Section 611 ( a ) of the FCRA grants consumers the right to dispute inaccurate or incomplete information on their credit reports. These inquiries, not authorized by me and conducted without permissible purpose, are inaccurate and should be removed. 

Section 615 ( a ) requires that any consumer reporting agency must provide a consumer with notice when a negative credit report is used to take adverse action. Since these inquiries were not authorized, I did not receive such notice, which further supports the need for their removal.

I request that you promptly remove these unauthorized inquiries from all of my credit reports with XXXX, XXXX, and XXXX, and provide written confirmation once this action has been completed. The FCRA mandates that these matters be resolved within 30 days of receiving this request. 

Please contact me at the above address or phone number if you require further information or documentation to process this request. 

Thank you for your prompt attention to this matter.