23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously filed a complaint with Capital One Bank regarding the collection of debt. I requested that Capital One Bank prove the debt they allege, is my responsibility. I received a letter from Capital One Bank stating that they do not have the original contract with my signature. I am enclosing that letter. I sent a letter to Capital One Bank and stated the following : Dear XXXX, I received your letter dated XX/XX/XXXX, on XX/XX/XXXX, regarding my complaint filed with the CFPB. I did not state that this account was opened without my permission, I stated that Capital One Bank has me confused with my son, also XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, Arizona, XXXX. 

Since there is no contract with my signature on the document, there is no possibility of differentiating between my son and myself. If you have the original contract with my signature on this document, please forward it to me immediately. During the time that you allege I opened this account, I was in the hospital recovering from a serious XXXX XXXX. 

You stated in your letter to me that the account was opened online, there is no application copy to provide you. 

The lawsuit filed by your attorney, XXXX XXXX XXXX, at the court in XXXX, Arizona, under the allegation that a breach of contract has occurred, is incorrect. In Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract as you stated in your letter, there is no valid claim of breach of contract. 

Apparently the Capital One cardholder agreement states that Arizona law shall control, and, since the contract alleged by you and is now admitted to not exist, and not signed by either party,  whatever agreement might have existed between myself and Capital One must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Capital Ones lawsuit was filed three and a half years after the date of the last transaction, Capital Ones case is also time barred. 

Capital One Bank has violated my rights under the CFPB rules and is therefore liable for damages to my good name. I am in consultation with an attorney regarding the filing of a law suit against Capital One Bank in this matter. 

I am requesting in this letter by formal demand that Capital One Bank cease and desist from all collection efforts in this alleged debt that you have brought against me. I want Capital One Bank to petition the court where the lawsuit is filed and ask the court to dismiss the case and vacate the judgment that has been instituted. The case number is : XXXX. 

When I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed and the judgment vacated, I will cease with my lawsuit and we will consider this matter closed. 

I expect an answer to this letter no later than XX/XX/XXXX, so I may proceed accordingly. XXXX XXXX XXXX
Product: Credit reporting

Please read carefully!!!! 


This is the second time I have contacted the CPFB. Previously I contacted you regarding an inaccurate lien on my credit report from XXXX of the credit bureaus. Your help successfully got XXXX of the bureaus to remove the information. Experian did not comply and I need your help. 


The state of ohio misapplied a tax lien with the XXXX XXXX clerk of courts. 

The lien was applied due to a clerical error by the state. No money was actually owed. This was not a real debt. 

The amount due was zeroed out by the state once I became aware of the item on my credit report and contacted the state. 

No money exchanged hands as no money was actually due. 

Let me repeat. This was not a true debt. No money exchanged hands. 

A lien cancellation letter was sent to my home. I took the letter and filed it with the XXXX XXXX Ohio XXXX XXXX XXXX. 

I have attached a copy of said letter to this complaint. 

I have contacted all XXXX credit bureaus to dispute the item and have it deleted. XXXX and XXXX complied, and Experian did not. 

I have actually filed disputes with experian and they all turn up the same. They claim the report is accurate per their investigation. 

I need your help getting Experian to remove the State Tax Lien that was filed with the XXXX XXXX XXXX XXXX XXXX. 

The state cleared up its clerical error. See attached letter. 

The clerk accepted the state 's paperwork but experian refuses to comply. 

I have no way of getting the lien removed. This was not a debt and should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson capital keeps resetting the open date of the account. I have not had XXXX in about 5-6 years and they sold to Jefferson capital soon after they closed my account. There is no way that I lost this account in XXXX. I have disputed this account for accuracy several times and they refuse to fix it. The disputes started back in XXXX ( please see attached )
Product: Payday loan, title loan, personal loan, or advance loan

I noticed someone applied for something in my name that I did not authorize.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Product: Checking or savings account

I have several business checking accounts for my businesses. XXXX since the COVID pandemic Bank of America has been charging {$35.00} insufficient funds fees in error and refuses to return them. Several reps say i '' it is the wat they process even if you put money in your account to take care of the negative balance. 

Also there was fraud done on one of my accounts and i submitted a dispute claim with Bank of America. They did not take my supporting documents to prove the fraud even though i offered them. They placed a temporary credit in my account pending an investigation. The temp credit was taken back out causing my account to go negative. I contacted Bank of AMerica but had to make an appointment to see a representative. During the course of two week my unemployment was direct deposited into the negative account. After i spoke to a rep the credit was placed back into my account but bank of america did not give back my unemployment payments into my account!!! During a pandemic Bank of America will not resolve this issue or even acknowledge that they are not accurately reporting my funds in my balance!! 

Bank of America is stealing money from consumers during the pandemic
Product: Mortgage

MIP on my loan Ive tried to have removed several times over the years so I had about 8 yrs more to pay off my FHA mortgage and still MIP remain on my mortgage so since they wont remove it I pay the loan off and ask if there was money coming back to me for the mortgage insurance protection and I was told no and I was told by other realtors that after I pay my mortgage loan down by 20 % the MIP would be remove but Quicken loan says no and that it would remain on the loan until it is paid in full and I just dont believe that, they couldnt loose any money even if I defaulted on my loan so it should have been removed my name XXXX XXXX
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  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 Transunion 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: Credit card

XX/XX/XXXX I was on the phone with discover card while setting up my first credit line. The lady on the phone said I can increase the secured credit line if I pay more towards the deposit through the 6 month period. So I put the minimum {$200.00} towards the line. I activate it today XX/XX/XXXX. I call up the number on the card and ask how to increase the deposit and the line, they said that's not possible. If I were given the correct information I would have waited to start a {$2500.00} line instead, or choose a different company all together. I'm worried that if I wait to graduate the card, I will not hit that baseline {$2500.00}. I expect a company to give the correct information, hold their word, or at least correct the mistake when they don't. This puts me behind on bigger plans. This is unprofessional, inconvenient and shady as XXXX.
Product: Credit card

Subject : Complaint against TD Bank for Unjustified Account Closure and Discrimination Dear CFPB Representatives, I am writing to file a complaint against TD Bank for the unjustified closure of my banking and credit accounts, which I believe is a discriminatory action based on my country of origin. 

Approximately three years ago, I opened an account with TD Bank at a branch in Florida using my passport, as I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have all the corresponding documentation, including my Social Security Number ( SSN ), work authorization, and other documents necessary for my XXXX XXXX XXXX XXXX XXXX 

Situation with TD Bank : Two years ago, TD Bank closed my debit and checking accounts without giving me a clear reason. 
However, I maintained a credit card with them, which was working properly, and I fulfilled all my contractual obligations. 
Two months ago, I received a letter informing me that my credit account would be closed if I did not update my immigration status. 
I went to a branch in North Carolina with all my documentation, where they confirmed that everything was in order and there was no problem with my account. 
15 days later, I received another letter from TD Bank notifying me of the closure of my credit account for " personal reasons '' without a clear explanation. 
Upon returning to the same branch, they told me that the letters I received were a scam or fraud, that I should ignore the notice and that my account was in order. 
They issued me a new credit card, but when I tried to activate it, I discovered that my account had been unilaterally closed without prior notice or valid explanation. 
Impact and Concerns : The closure of my credit account negatively affects my credit score, which I have worked hard to build. 
TD Bank never provided a valid justification, even though I verified at the branch that everything was in order. 
Other banks such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reviewed my documentation without any problems, which leads me to believe that TD Bank 's decision was motivated by discrimination due to my country of origin. 
Request : I request that the CFPB investigate TD Bank for discriminatory practices and unjustified account closures, demanding that : A detailed and justified explanation be provided regarding the closure of my credit account. 
The possibility of reinstating my account be reviewed to avoid damage to my credit history. 
TD Bank be sanctioned if it is found that they acted in a discriminatory or unjustified manner. 
I appreciate your attention and look forward to your prompt intervention in this case. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$910.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$820.00}
Product: Checking or savings account

XX/XX/XXXX Bank of America Today my debit card was denied for the third time since I started my trip from NH to Florida, which started in XXXX XXXX. The first encounter was in XXXX. and after contacting them they understood my situation and told me that they would put a note on file. A simple understanding. Then in western part of Florida it happened to my wife and I again, called them and they unlocked the account. Today my wife was declined for a gallon of milk, and of course when we returned to the rv site my wife could not log in to our account. She also tried several times to call, but the system did not see the account. I tried and after several attempts got through there very unfriendly automated system got through to a real person. I might add very nice and understanding, well of course. Well after some time with her she saw the transaction and other issues for the day. She said that I would need to speak to another department to resolve it. I was transferred, and that took some time and went through the whole thing again, once completed, I was told the account was closed due to a corporate decision. I was shocked, 20 plus years no reason nor any advanced notice. Now I wanted to know about the funds I had between savings and checking which I might add a substantial amount and everything I have. Being on vacation with nothing is no way to treat a long-time customer. I was told to me that he would put in request to release funds to another location of my choice within 1 to 5 business days. Now what pan handle!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
XXXX Accounts : XXXX XXXX XXXX XXXX Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$3600.00}. 
XXXXXXXX XXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXXXXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$1600.00}. 
XXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$100.00}. 
Fraudulent Inquiries : XXXX  : XXXX dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent account and fraudulent inquiries
Product: Mortgage

My Mortgage Company Ocwen sent me a letter once I came out of bankruptcy about refinancing my outstanding loan of {$160000.00}. In doing this I agreed to make 3 trial payments of {$1500.00}. I agreed signed papers and made 2 payments, before I could make 3rd payment I was advised that my mortgage loan would no longer be serviced by Ocwen but by XXXX XXXX. XXXX XXXX sent me information showing second payment in suspense and with a balance of over {$250000.00} and payment due of {$2300.00}. I received this notice with less than 15 days to make that payment. Now if I make that payment am I agreeing to the additional {$10000.00} they have added to my account as well as the {$800.00} added to payment? This seems quite outrageous and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code XXXX681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report XXXX XXXX XXXX XXXXXX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull experian Same thing from the XXXX report for the home loan did not authorize for a hard pull
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or signatures with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards.