23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

TRANSACTION DENIED : Throw the baby out with the bath water. On XXXX i drove XXXX miles from my rural home to do a much needed quarterly provisioning. I made multiple substantial successful transactions on my Capitalone card. At my XXXX major stop my purchase was declined. To the clerk 's dismay, i had to abandon a bevy of groceries. I then called Capitalone from the store to inquire. They claimed fraudulent activity. ( By days end and XXXX further calls to Capitalone, i ascertained no fraudulent activity. ) Once back home XXXX hours later i found an email sent at the time of this transaction from Capitalone asking me to verify this declined transaction. This i attempted once home XXXX hours later, but their security vendor, XXXX 's, link looped endlessly. This loop thwarted my verification of a valid- albeit declined - purchase. Calpitalone 's reps asked me to verify my identity by answering a cell fone call. I stated repeatedly that i had no cell phone and no alternate land line for a verification call. When they emailed me what was ostensibly a link to upload my driver 's license, their security vendor, XXXX 's, link looped endlessly. Another thwart. They claimed no problems on their end, when i asked. Their so-called verification was thwarted again. Finally i was given a FAX number and a post office box with which to send copies of my driver 's license. XXXX to 10 days without access to my credit card is unacceptable. OPINION : Shutting down my account in the name of fraud - where there is none- is excessively zealous. I support rigorous security measures that actually thwart crime. I had been given no advance warning that traveling XXXX miles to the nearest shopping center would set off their alarms. Especially since i'd been doing it for decades .... as an audit of my accounts would have revealed. All of the purchases i made were well within the range of years of earlier, non fraudulent transactions to the same stores. Was something stated in the too fine to read print? If i'm to be penalized for not having a cell phone, or making repeat visits to the same vendors, then at least give me due warning. I'm happy to phone ahead whenever i leave this remote area to make a provisioning run.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was notified by my venmo account via email that my account had been suspended for violating my users conditions. I was informed to send a valid copy of my Identification. On XXXX XXXX I was refunded {$200.00} to my Venmo account from a moneypak merchant payment. I then proceeded to upload my valid proof of identification on XX/XX/year> so that I could access my funds and transfer them to my linked bank account. On XXXX XXXX the company emailed me that the paper copy of my driver 's license I sent could not be accepted because it was a paper copy and I needed to send a valid hard copy of my Identification to access my account and transfer my funds to my linked bank account. On XXXX XXXX I spoke with the customer service representative in reference to why my account had been frozen and they instructed me that they where not allowed to disclose that information at that time. They then informed that the only way I could access my funds was to submit the requested identification and I would have full access to all features on my account. The customer service representative sent me another email to upload my form of identity to on XX/XX/year>. I immediately successfully submitted a valid hard copy of my identity and was instructed they would get back with me once the details where reviewed. On XXXX XXXX the company email me that my account had been in violation of the users agreement and although I had sent the requested identification that my account was now permanently deactivated and they would no longer offer me their Venmo services. They then informed me that my remaining funds would be held for 180 days for loss prevention purposes and that they would contact me IF my funds where available. These are my funds and I have been overly patient as well I have provided all the necessary request documents and still am being withheld from my rightfully earned funds. I am now without my {$200.00} funds and unable to transfer my remaining balance to my linked bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of looking for a furniture purchase. I did a pre-qualification through Conn 's 2 weeks ago. Spoke a rep that called on XX/XX/22 by the name of XXXX. I stated that I would try to make it by after a conference. I had talked with them multiple times over the past couple of weeks. I then get a alert that my credit report was accessed. I did not give Conn 's permission to pull my credit report. This action caused a hard inquiry on my report. I did agree that I would purchase anything from Conn 's. This was impermissible and should be corrected.
Product: Vehicle loan or lease

Purchased a Certified PreOwned 2018 XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. During the negotiation process the Finance Manager " XXXX '' verbally relayed to me that my monthly installments would be {$450.00} for a 72 month term, after I verbally agreed to the price I was handed over to another individual ( I dont recall his name ) to do all of the necessary paperwork. During this process I was offered GAP insurance which I declined after being asked a couple times. Next I was offered a Paint and Interior protection for my car called " Xzilon '' which I also declined a couple of times, but the individual was very persistent in persuading me to get this ad-on. Finally after telling me that the " Xzillon '' add on would only be an extra {$3.00} a month bringing my installments to {$450.00} I verbally agreed to the add on. After finishing my paperwork, I was told that my car would not be ready the same day nor was I able to see the car. I was told the car would be available the next day XX/XX/XXXX around XXXX. I was given a loaner car but was not given my paperwork for my car I purchased. The next day on XX/XX/XXXX I picked up the car around XXXX and was given my paperwork in a sealed envelope. When I arrived home I opened up my contract and realized that I had been given false information about my initial loan installment.The actual monthly installment I was approved for through my bank was for {$430.00} a month w/. 3.19 % interest. I was never told by XXXX about the {$430.00} installment only the inflated + {$25.00} amount of {$450.00}. I feel this was an underhand sales tactic with the assumption that I would accept one of the add ons. Instead of the Xzilon being {$3.00} extra a month it was actually {$25.00} over the entire 72 months of the loan which I would have never agreed too. This added an extra {$1800.00} to my loan as opposed to {$210.00} ( $ 3 monthly ). I emailed and text the salesman the next day who referred me to the Finance Manager. On numerous attempts I called and emailed both the Finance Manager and the General Manager and either was told they were off or not available. Finally I received a call on Saturday XXXX, XXXX 5 days later and spoke with a gentleman by the name of XXXX XXXX. I explained the situation to him and he replied that " he would see what he could do, but the paperwork had already been submitted to my bank ''. I explained that I had been trying to reach someone since the XXXX but no one had replied. I called the bank that I was financed through to get some advice and they advised that I have the dealer to simply cancel the contract and resubmit the contract with the correct payment amount. I have not heard back from XXXX XXXX since our conversation. I have not had the Xzilon installed on my car as I was told this would be done at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I didn't make these applications or I don't remember them XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and enquired about the account and they had my social security number instead of my son 's social security number, I had my son on the phone, and he verified he was the responsible party. Then they told me that he must have given them my social security number, which he denied, but either way the derogatory mark still is on my XXXX report, I have tried several times to dispute this with XXXX. This collection agency knows this is not my account, I have never had insurance with XXXX, and XXXX turned this account over to this collection agency RECEIVABLE MGMT SVCS. Which I believe has put this Derogatory mark for non payment in an attempt to make me pay my son 's payment because I have no bad marks on my credit report and my credit is above 740 points. since he is a junior and I am senior. our names are the same but his social is not the same as mine.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute an account listed on my credit report that is currently in pending litigation. This account is inaccurately reflected, and I need it removed from my credit report immediately.
Product: Checking or savings account

My former partner and a friend obtain my personal information to open an account at XXXX XXXX XXXX in XXXX at a XXXX  Event in XXXX California. The checking account they opened was unauthorized and was not open by me or I gave any consent in opening the account. My former partner was very abusive towards me and I was a victim of XXXX XXXX and identity theft. 

They misused the account and now there is an outstanding balance of over {$500.00} reporting on Chexsystems.
Product: Checking or savings account

My bank card and account are administered by Wisely, ADP is the agency that handles the fraud complaint. 

I had XXXX unlawfully deducted from my account on XX/XX/2022. There were 3 withdrawals made in XXXX XXXX NJ, one for {$500.00} made at XXXX XXXX  est this was at a XXXX XXXX  located on XXXX XXXX in XXXX NJ. One for {$300.00} made at XXXX XXXX  est from a XXXX ATM located on XXXX  XXXX in XXXX NJ. One for {$180.00} at XXXX XXXX  est from the same XXXX ATM located on XXXX  XXXX in XXXX NJ. The times are important as you will see. My ATM card has a cash withdrawal limit of {$1000.00}, also important as you will see. There was also an attempt from a XXXX XXXX ATM located in XXXX at XXXX and XXXX on the XXXX of XX/XX/2022. 

I live 2 to 2.5 hours away from XXXX NJ and XXXX, I have never made any type of banking transaction anywhere near that area, and my card CAN NOT be used OUTSIDE of NJ without first going on-line and allowing out-of-state transactions to happen. 

I found out about the unlawful charges on XX/XX/2022 at XXXX est, and reported the unlawful transactions immediately. Calling the bank at that time. 

I was told to wait for a letter that I would have to sign and return. That " Statement of fraud '' was received via US mail delivery, on XX/XX/2022, I immediately filled it out and returned it to the email address on the letters as directed. 

We received a DENIAL letter on the XXXX of XX/XX/2022, alerting that " The investigation has been finalized and we've determined that there was no error. Records analysis indicated that no fraud has occurred as investigation results match the information on file. No credit will be issued. '' Upon receipt of the letter I called the bank and inquired as to when the investigation took place and was told that a determination was made on the XXXX of XX/XX/2022, and the letter was sent out the next business day. 

How could an investigation take place in the short amount of time from when I emailed the " Statement of fraud '' letter at XXXX XXXX  est on the XXXX, and the result of the investigation had been completed on the XXXX of XXXX? 

A TRUE investigation would have noticed that there was a withdrawal at XXXX, and then another withdrawal at XXXX, over 100 miles away, and takes 2 hours to drive to. Not to mention the XXXX withdrawal that I DID MAKE at XXXX should have been DECLINED for breaching the XXXX cash limit withdrawal PER CARD. I should have been notified on the XXXX that an attempt to use my card was made in XXXX which also breaches the out-of-state card notification. What kind of investigation was completed??
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Blade XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$810.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. ALLY FINCLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sent a Qualified Written Request to XXXX XXXX XXXX XXXX XXXX, because the servicers informed me that this bank is the trustee of the alleged trust that they say is the owner of the alleged loan. XXXX XXXX XXXX XXXX received my QWR on XXXX XX/XX/XXXX. I sent the letter certified with return receipt. Up to this date I have not received the acknowledge of the receive of my letter as it is required according to Respa, they supposed to acknowledge the letter five days after receiving the letter and then, up to 30 days to answer. Due of the conflicting information and the fabricated copy of the alleged original note from the servicers, I believe, that the alleged trustee can give me the correct information. First, I was told that a XXXX XXXX is the legitimate lender/creditor who provided the funds for my loan on XXXX, this information was disclosed to me at the beginning of this year XXXX. The original lender identified on my trust deed and note, was not the lender, and I was not informed that the XXXX XXXX XXXX investors were providing the funds. Furthermore, I was never informed that the alleged loan was securitized. I checked the records of the alleged securitized loan and found out that XXXX XXXX, XXXX XXXX XXXX was dissolved on XX/XX/XXXX due of fraud, in addition this alleged loan was satisfied even before the trust was dissolved by the credit swap insurance. Bank of America has collected payments and inflated fees from me from XXXX up to XXXX, XXXX, then it transferred the service to XXXX XXXX that collected from me from XXXX, XXXX to XX/XX/XXXX, and transferred the service to XXXX XXXX XXXX, who has been collecting from me since XX/XX/XXXX and current. Since these servicers have failed to proof that they have rights to collect on this alleged, not existent loan, I'm requesting answers from the alleged trustee of a trust that doesn't exist. I want to know if it is part of the scheme, or its name is just been used. For that reason I want a certified copy two sided of the original note and trust deed with all assignments and endorsements. Or otherwise a letter stating that this bank is not the trustee of this non-existent trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Dispute Letter/Affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Email : XXXX XX/XX/XXXX I have made several attempts to address the inaccurate, outdated information, charge offs written off, fraudulent. I have discovered accounts with several errors which is adversely affecting my credit unfavorably. These accounts need to be investigated and removed immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my names be remove and any other names, addresses and telephone numbers that Company Account Number Account Status Payment Status XXXX XXXX # XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION XXXX XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACCOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACOOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX XXXX # XXXX Collection Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION THE BUREAUS # XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party XXXX XXXX XXXX # XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete all names that do not belong to me : XXXX XXXX XXXX XXXX XXXX Please Delete all PHONE NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As you can see on the attached documents you have wrong and inconsistent information on my credit report. You are reporting inaccurate information. As you can see in the two attachments the closed date is incorrect for my XXXX # XXXX. This account was closed in XXXX of 2016, first date of delinquency was XX/XX/2016. You have this account as closed and Charge off starting XXXX of 2016. This account should have fallen off of my report just like in the other two bureaus. Please update and fix all information.