23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have received more then XXXX inquiries and credit card on my account within last then a week, My information was leaked and someone is using my profile to apply for credit cards below is a list of everything I did not do and I will like to have all of these items removed off of my account ASAP THANK YOU XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My bill with American Express was due on XXXX XXXX. The amount was XXXX. I pay my bills on time. I decided to pay XXXX, about 2 weeks before the due date bringing the bill down to XXXX. One week before the due date I received an email from American Express informing me that if I did not make a payment immediately the bank May suspend charging privelegs. This is not the first time I have received threats and harassment prior to the due date attempting to intimidate the cardholder to pay the bill prior to the due date, I called them and was very clear that the bill would be paid on the XXXX and not before because this is when I get paid and I have a budget. I also told them I have a mortgage but never receive intimidating emails threatening to cancel my mortgage if I dont pay it earlier than the due date. I have had my card fir 25 years with them. It is outrageous that XXXX contacts their customers with these threatening demands and they should be made to stop.
Product: Debt collection

I am writing this letter regarding the alleged debt associated with the above-mentioned account. I am formally requesting that you provide me with the necessary documentation to verify the validity and accuracy of this debt, as well as to establish your legal right to collect on it. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX, 2020 CHARGE-OFF STATUS ]. 
Since then, the account has repeatedly been updated as charge-off every month. 
This is an update on the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Payday loan, title loan, or personal loan

I have been reaching out to this company for over a week via email and phone. I can not get any response from customer service. Recently my bank account I had linked to the account has been compromised and I am unable to access or use it at the moment. I have opened a new bank account and currently need to update it so I can make payments to close this account. They do not allow you to make this change on the website or app. You have to contact customer service to do such. But when you call and press XXXX to speak with an agent it says none are available. I have tried every work day for about a week and all throughout the day. I have sent numerous emails regarding this and still have not received a response. This is becoming extremely frustrating and not sure if this is even legal. Because I can not make payments with my new bank account I am receiving interest and late payment fees. Along with this I will receive a missed payment or late payment on my credit score which is at their fault because no customer service. 

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

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, XXXX XXXX & credit bureau, Equifax. XXXX XXXX send me a letter onXX/XX/2020 stating they will remove the hard inquiry. As in XX/XX/2021, XXXX XXXX or Equifax have yet to remove a fraudulent hard inquiry on my credit report known as XXXX dated XX/XX/2020
Product: Credit reporting or other personal consumer reports

Proper card was paid off in full XX/XX/2023. Company reporting incorrect information as a major violation of FTC Law and Federal Truth In Credit Report Act and Billing fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fiar Credit Reporting act. The list of accounts below have violated my federally protected consujmer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 reporting or other personal consumer reports

At this moment. I am in litigations with three company.. complaint files first one XXXXXXXXXXXX Second # XXXX. Third # XXXX. One is a consumer agency. Transunion. The other is XXXX XXXX. And XXXX XXXX XXXX There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I request that they report the account with a XXXX  balance.
Product: Credit card

I made an overpayment on my Capital One credit card on XX/XX/XXXX. I continued using my card as usual. 

On XX/XX/XXXX, a transaction titled 'Credit Balance Refund ' in the amount of {$1500.00} was posted as a charge on my card. I noticed this today XX/XX/XXXX so I called the customer service number on the back of my card ( XXXX ). They stated that a paper check was mailed to me for this amount because I made the overpayment. I asked why, since I've made overpayments before ( XX/XX/XXXX ) and have just continued using my card until I have a positive balance due again. This check refund was also months after the over payment was made. They stated that I would have needed to request this check, but they couldn't explain to me why the check was issued in the first place since I did not request it. I told them from a security standpoint this was concerning and asked for them to simply cancel the check that they issued ( which they agreed it had not been cashed ) and return the available funds to my card. They declined the ability to do this, telling me in 3-5 business days they 'should " be able to process it so I should call back then. I asked who requested the check since the employee said she couldn't see a request in the first place. Therefore if there wasn't a request for the check, I asked why was it issued and which employee issued the check. Finally, I asked why it was not possible to reverse the charge and cancel the check. The more questions I asked, the more I was put on hold. When I directly asked her if I understood correctly that she could not answer any of the questions, and she confirmed, I stated that I would contact the FTC & CFPB to explore this suspicious activity. She then hung up on me after a total of 33 minutes on the phone. 

I'm concerned this was not actually Capital One, despite it being the number on the back of my card. Based on her thick accent, I'm wondering if this was at a call center in XXXX. 

I then found the number for the Fraud department of Capital One ( XXXX ) from their website. This call was also sent to a call center in XXXX ( again, my assumption ). I explained the circumstances of the previous call, and was again placed on multiple lengthy holds between my questions and concerns. This person, however, stated that the check was automatically issued. I asked why there was a discrepancy in the process of getting a paper check refund and was met with the same inability to answer any questions or restore my account. Finally, I asked what department I had reached and what phone number to use to reach them. She gave me a different number than I dialed and said it was customer service. I said I called the Fraud department at the above stated number and she declined to be that department. She said there was nothing she could do to help and we disconnected after 28 minutes. 

I placed a lock on my credit card so no further charges could be made. 

I'm not sure if the phone numbers are corrupted/being rerouted or if Capital One itself is refusing to return my money. Please help me resolve this, I can't afford to have {$1600.00} tied up somewhere in limbo. Thank you!
Product: Checking or savings account

I should be receiving near {$10000.00} dollars through the XXXX  XXXX XXXX but everyday the transaction isnt deposited into my account and is pushed back until a later date.
Product: Consumer Loan

Credit Limit Decrease ReportedSince your last update on XXXX XXXX, 2015, XXXX credit card limit has decreased on your credit report. 

Credit Card Balance Previous Limit New Limit Change {$0.00} {$1000.00} {$200.00} - $ XXXX BANK XXXX XXXX Reported By EquifaxYour overall credit card limits have decreased to {$6400.00}. 

Your credit score, and all credit and loan info are provided by ( C ) XXXX XXXX XXXX XXXX XXXX | All Rights Reservedi am alleging racial discrimination was a factor in TD BANK GROUP XXXX XXXX decision of decreasing my credit limit by {$800.00} on or around XXXX 2015. 

There decision was arbitrary and capricious.
Product: Credit card or prepaid card

synchrony bank closed 28 credit card accounts on XX/XX/XXXX XXXX XX/XX/2020 All accounts were in good standing never a late payment. they told me I was a risk to there bank and so closed all accounts all on one day. My credit score went from XXXX to XXXX which is really hurting my credit.I believe they are somewhat discriminating against me.these are some of my closed account CARE CREDIT - P.C RICHARDS - XXXX- GAP- JC PENNY- ASHLEY PAYPAL- AMAZON- CITGO- LOWS- HOME  DESIGN- XXXX- XXXX XXXX- XXXX- PEP BOYS- XXXX- MATTRESS FIRM- XXXX- BANANA REPUBLIC- OLD  NAVY. 
These are just some of them. I personally think this is not fair.I am continuing to make my payments on all my accounts even that they are closed. ( INPORTANT ) After all my accounts were closed I reapplied for a lows card and a BP gas and was approved. after 3 days they closed the accounts again. that is not right
Product: Checking or savings account

BMO Alto advertised their high yield savings account as having unlimited transfers and withdrawals. On the XXXX XXXX, XXXX, BMO Alto accepted my credit card payments from XXXXXXXX XXXX and XXXX XXXX XXXXXXXX to be processed using my BMO Alto savings account. On the XXXX XXXX, XXXX, BMO Alto declined and returned the above credit card payments that were previously processed successfully yet my BMO Alto savings account had enough funds to process the payments. The bank declined and returned the payments without first contacting me. 
BMO Alto flagged the payments as being high risk yet the same credit card payments were successfully processed using my BMO checking account. 
Also BMO Alto allowed me to open up a six-month certificate of deposit account ( CD ) on the XXXX XXXX, XXXX. After depositing {$24000.00} into the CD, a restriction was put on my BMO Alto savings account. This money came from a matured 9-month CD from XXXXXXXX XXXX which I open in XX/XX/XXXX after earning the advertised BMO money market checking promotion of depositing accumulative {$7500.00} of ACH payments within a month in XX/XX/XXXX. 
On the XXXX XXXX, XXXX BMO Alto requested proof of ownership of my XXXXXXXX XXXX  savings account that funded my BMO Atto savings account. I provided my drivers License and the page of the XX/XX/XXXXXXXX XXXX XXXX savings account statement showing my name, my address and my account number. Both documents were rejected and I was told that BMO Alto will close the my accounts on XXXX XXXX, XXXX and my funds would be deposited back to the accounts where the funds came from. 
I called several times to track the status of my funds but, BMO Alto not yet sent my funds the accounts. 
BMO Alto was very fast at accepting the funds, but very slow to return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 confideniality under XXXX XXXX XXXX. Account name : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : 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, 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. XXXX is re-aging the debt which is against the FCRA. When an account has inaccurate information it must be deleted and my rights have been continually violated and these companies must be ordered to pay. XXXX issued a XXXX which means the debt has been paid and no debt is owed and the account must be deleted for inaccurate information. XXXX also states I have filed bankruptcy and that isn't true which means the account doesn't belong to me. If these accounts are not deleted then I must be awarded {$1000.00} per violatio.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America doesn't want to release my funds. My business received a wire for XXXX from one of the business clients. They client notarized a letter saying the funds were legit, they even went as far as obtaining a notarized letter from a representative at the bank the wire was generated from saying the funds are legit. BoA refuses to release funds and threatens to give funds to the state.
Product: Debt collection

This letter is sent in response to a collection debt shown on my credit report I am requesting that LVNV Funding LLC provide verification of this debt. I have not received any communications about this debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1 U.S.C. 1692g, I am requesting that LVNV Funding LLC provide me with the following information to validate this debt.

1. The name and address of the original creditor, the account number, and the amount owed.

2. A copy of the original contract agreement.

3. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statue of limitations and how that was determined. 

Please also cease and desist phone calls to my number, please only communicate with me in writing.
Product: Checking or savings account

I opened an account with Citi Bank last week. I was told to fund the account within 21 days. Today, I decided to fund the account via a zelle transfer. I transfered {$1000.00} into the citi account. The XXXX  was successful & everything was okay. Then after about 30 minutes or so, my access to my own account was blocked & when I tried calling citi, they said my account had been blocked & the only way to unblock it was to wait 7-10 business days until a physical letter comes to my mail & I give them a reference code to unblock the account. 

I transferred all i had into this account & now I am unable to access my own hard earned money. Rent is due on the XXXX of XXXX & I will not be able to pay within my own money because of this. 

Please help me get my own money back.
Product: Checking or savings account

I made a purchase on XX/XX/2022 for a hotel reservation and I ended up canceling this and was told on XX/XX/2022 I would receive a refund in 2-3 business days. I have spoken to the merchant more than 10 times and they mentioned they had already sent my money to the bank. I have not received anything back to this date. I have filed a dispute over 10 times and they always decline this. I would really appreciate the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1972 My only telephone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXXXXXX XXXX See attached documents of proof XXXX
Product: Debt collection

Dear CFPB, I just looked at my credit report and see that XXXX XXXX XXXX is violating my rights. I am writing to file a formal complaint against XXXX XXXX XXXX regarding their actions concerning account number XXXXThe collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

According to my understanding of the aforementioned regulations, XXXX XXXX XXXX has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. XXXX XXXX XXXX has not provided me with proper notification regarding the collection activities related to account numberXXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. XXXX XXXX XXXX has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. XXXX XXXX XXXX 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. XXXX XXXX XXXX has failed to uphold this fundamental requirement. 

I am hereby requesting that this account is deleted from my credit report. 

Furthermore, if XXXX XXXX XXXX believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Debt collection

I received mail from the collection company on XXXXXXXX XXXX XXXXXX/XX/2024 asking me to pay a debt of XXXX $ plus extra charge of XXXX $ which is almost equal to the debt The debt happened because of the company change thier address and this lead to transaction not going from my bank to the company due to wrong zip code and another amount of XXXX $ which i was notified with on last XXXX. 

I contacted the collector to settle down the debt of XXXX $ but my only concern was the extra charge fees which was XXXX $ but he refused.
Product: Money transfer, virtual currency, or money service

I made a transfer through Sigue corps app and after a few failed attempts to get my money transfered one request went through but by that time i already made a transfer with another company so i cancelled sigues transaction and ever since then i have not received any money nor have the responded to my multiple calls and requests i sent {$170.00} XXXX  in early XXXXXXXX XXXX XXXX