23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I purchased tickets via the XXXX website using my Capital One credit card. XXXX never provided me with my tickets. When I disputed the charge with Capital One, they temporarily credited my account for the purchase price. However, three weeks later, they informed me that the merchant had provided proof of ticket delivery and that there was nothing more they could do. 

I never received any tickets, and my communications with both XXXX and Capital One failed to resolve my case or result in a refund. Any additional attempts to obtain details about the transaction or the resolution of my case with Capital One resulted in a standard form letter stating that my case was closed and that no further action could be taken.
Product: Debt collection

XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Pollack & Rosen P.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Subject : Request for Validation of Debt Dear Pollack & Rosen , Pa - XXXX XXXX , XXXX XXXX XXXX I am writing to formally request that you provide validation of the debt you claim I owe, as outlined in your recent communication dated [ insert date of the debt notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request such validation, and I kindly ask that you provide the necessary documentation to substantiate this claim.

Specifically, I request that you provide : 1. The original amount of the debt, including any interest, fees, or charges that have been added.

2. The name of the original creditor.

3. Copies of any documents or agreements that support your claim of the debt, including any signed contracts, account statements, or other evidence.

4. A detailed breakdown of how the debt has accrued, including the dates of each charge or payment.

5. Proof that you have the legal right to collect this debt from me, including documentation showing your authority to collect on behalf of the original creditor.

Please note that under the FDCPA, your collection efforts must cease until the requested validation is provided. If you are unable to validate the debt, I expect all collection activities to stop, and any negative information regarding this debt to be removed from my credit report.

I look forward to receiving the requested validation within 30 days, as required by law. Please send the information to the address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

My son called on my behalf and informed Chime that the account in question was opened without my consent and we suspect fraudulent activity. They told my son he would need to have me provide proof of my identity to proceed, but I do not feel comfortable giving a tech company I never heard of, and claims NOT to be a bank, my personal information. Upon my refusal they said they could not assist with the closing of the account unless I provided proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have attempted to place a file freeze on my Corelogic Credco File for months and have been unsuccessful. I have recently just completed the information online and uploaded by ID. I received a ticket number @ XXXX. I called on XX/XX/2019 and spoke with XXXX. He informed me that there was not a signature. However, I have completed the information several time prior with signatures and
Product: Credit reporting or other personal consumer reports

Their autopay failed and they did not notify me in time. When I called in to ask them to re-submit their ACH, it worked. It was obviously a problem on their end. They admitted to this and told me they would remove the blemish off of my credit report. 

Account info Account name CITIZENS PAY CREDIT LINE Also known as CITIZENS PAY CREDIT LI Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$2400.00} Balance updated XX/XX/XXXX Recent payment {$200.00} as of XX/XX/XXXX Monthly payment {$66.00} Credit limit {$2800.00} Highest balance {$4000.00}
Product: Credit card or prepaid card

On XX/XX/2022, I became aware of a fraudulent transaction that happened on my account on XX/XX/2022 ( the day before ), in the amount of {$450.00} by a company called XXXX XXXX, XXXX ( hereafter XXXX XXXX ). After learning of this, I immediately filed a dispute for the transaction. I contacted XXXX XXXX to see why there was a charge to my account, and he explained to me the situation that had been happening to him recently, as his attached letter details. His merchant account was hacked and his information changed so that he could not log in or access his account any longer. I contacted Goldman Sach's/Apple Card Support to file the dispute and see what I needed to do, and I walked through all the steps involved ( i.e. changing my password, removing and re-adding the card to my phone, etc. ). But several days later, more charges. After contacting them again, and again following their advice, the next day another charge happened. This time, after contacting them, they turned Apple Pay off, and that finally stopped the fraud. Below are the fraudulent charge dates, merchant name, and amounts. The first three have been resolved in my favor, but the last three, Apple/Goldman Sach 's is claiming that I made these charges. As the two attached letters document, I did not. XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX ; {$300.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$4000.00}, case # : XXXX XX/XX/2022 : XXXX ; {$2000.00}, case # : XXXX XX/XX/2022 : Olutions ; {$5000.00}, case # : XXXX I filed this case once already but it was marked closed and I got a letter saying they suspected my filing was fraudulent? I don't know why. This is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX  XXXX
Product: Debt collection

Debt collector LTD acquisitions LLC has harass my job my home phone about a debt I never had with them they are in XXXX violations and Im plan to sue them if they dont remove debt and stop harassing me
Product: Mortgage

I started a loan application in XXXX, and still haven't closed because of a tardy process run by Wells Fargo Home Mortgage. Throughout the process, very scarce updates were provided, usually only after multiple emails from me requesting for information. And then all of a sudden, I would receive calls asking if I would be willing to proceed acting as if all my emails requesting for updates didn't happen.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how First National Bank of Omaha had reduced my XXXX Mastercard credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting FNBO numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to FNBO that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at FNBO they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with FNBO currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, FNBO showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. FNBO 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any inaccurate records. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 'm disputing loan modification denied ( loan # XXXX ) because Select Portfolio Servicing, we gut multiple mistake and came with new trick, Not carefully review of my application, and XXXX modification package and our income and P & L not match please see the last Profit & lost XXXX XXXX through XXXX XXXX, we submitted .see the attached
Product: Debt collection

I began questioning this organization in XXXX of XXXX  and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Product: Consumer Loan

This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have sent several disputes to Equifax disputing the validity of this alleged debt from XXXX XXXX XXXX regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from XXXX XXXX XXXX regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with XXXX XXXX XXXX. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to XXXX XXXX XXXX regarding this discrepancy. Please see attached details.
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative remark was placed on my credit card account " with amount in dispute ''. I have never been late on all my accounts with Bank of America and have paid everything on time so I do not know why this negative remark was placed on my account. BOA did offer some payment deferral request due to the Covid pandemic, which I signed up for but did not pursue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't properly use it 's considerable assets to protect my personal data despite making insane amounts of money. Deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, On XX/XX/2020 XXXX and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; Experian, and XXXX  XXXX XXXX, XXXX, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, Experian and, XXXX  XXXX XXXX, XXXX where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
Product: Checking or savings account

I received a deposit to my checking account in the amout of {$4400.00}. The ONLY deposit I am anticipating to my checking account is from my income teax refund in the amount of {$15.00}, XXXX. I called M & T Bank at approximately XXXX and the lady took my account information, LEFT ME ON HOLD for an extended amount of time and I was FORCED to call M & T Bank again. I advised her that I am anticipating a deposit from my income tax in the amount of {$15000.00} and I asked her why was M & T Bank holding my funds because they only gave me part of the deposit. She had no answer and gave me no information to my account. I would like for M & T bank to give me access to my entire deposit from my income tax returns effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # 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 a account without my written instructions.
Product: Checking or savings account

I was informed of the recent {$3.00} XXXX dollar settlement of CFPB Vs Wells Fargo bank. Wells Fargo bank was supposed to send all financial obligations to those who had an account with them from XXXX. I have had a Wells Fargo account since XXXX and continue to have an account in XXXX. I received no email notification, no letters, and no checks regarding this settlement case. 

Is there any way my case can be reviewed to ensure that I do qualify for a portion of the {$3.00} XXXX dollar settlement?
Product: Mortgage

I opened an HELOC account with US bank that has currently XXXX balance. When I opened the account Banker told me if you do not carry any balance on this account you can close the account anytime without any penalty. I talked to couple of times already and paid a small amount they charged to my account ( as annual fees of $ XXXX which was also not told by the banker when I opened the account ). After I paid the account asked them to close the account and they promised me account is closed. They repeatly told me your HELOC account will be closed, nothing to worry as you ahev now XXXX balance on your account. I thought the account has been closed as promised. 

I tried to refinance my mortgage through another lender ( XXXX XXXX ) and during closing cost dsclosure document they have an item US Bank {$400.00}, I got surprised after seeing this. 

Called US bank again and I was told if you close the HELOC within 3 years of opening the account you have to pay {$400.00} of penalty. This was also not disclosed by the banker during opening of the account. 

These are the deceptive practices US bank is using to extract money from customers. Please take action against the banks who are involved in such deceptive practices. This is really bad for consumers, even though we do not owe any money to bank, they are penalising customers unnecessarily by using these kind of deceptive practices. 

They told me these are the agreement I signed. Bankers need to disclose all these information that is on the contract during opening of the account to consumers. This was not done in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I cant open a checking account anywhere, because early warnings has blocked all the banks to open a checking account for me. I dont know which information they have about me, but the info they are having is totally wrong. Because my phone was stolen and my all the financial apps were in that phone i dont what the stranger did with my phone, i think its a identity theft, and my XXXX XXXX XXXXXXXX account was closed, i had no mistake. Please ask this company to cross check. They want me to give proof but what should i give them? I just want to remove this block from my identity. 
Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.