23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've had my Credit Card with Capital One going on 3 years ; and most recently ; I was double-charged by PODS, and then a couple of days later ; Charged with another Charge I tried to dispute. The problem XXXX with the Customer Svc Agents ; first when you call you get someone in the XXXX and they want to know your Full Social Security Number and your DOB ; and when you refuse and ask to speak to someone in the U.S ; they hang-up on you. When I finally ( after XXXX calls ) got someone in the Credit Card Dept ; I was disrespected, with unprofessional language ; and to make things worse ; they refused to assist me. The final time I called ; I asked to " Close my Credit Card Account '' and they have not closed it ; in-fact they have issued me another Credit Card ( which I never received ) and now Capital One is allowing charges to appear on that New Credit Card ; without my authorization.

I sent 3 Emails and 2 Letters to the Corporate Office and asked to " Close my Credit Card Account '' and all I get is more disrespected calls from agents claiming to be in the " Escalation '' Dept ; but never resolving my issue ; nor my Disputed Charges.

This is illegal in the State of Florida ; and I plan to file a Formal Complaint with the Attorney General 's Office of Consumer Affairs. 
Thank you
Product: Credit card

hello ive recently put myself in a very stressful situation for no reason. i thought i got frauded by a company called XXXX for {$1900.00} on XX/XX/2015. turns out i do remember talking to them, those sneaky XXXX tried to sell my timeshare. i thought that i didnt realize the charge so called into fraud department of chase and said so, and i thought nothing was being done until i got a letter saying they were doing an investigation. i called into chase acouple times and never got anybody real after the initial call and i just wanted to tell them that IT WAS NOT FRAUD, as matter of fact i remember speaking to severly people from XXXX and they were actually pretty nice, hopefully they can get the job done soon,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 US.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX Bank ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX,, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Payday loan, title loan, or personal loan

I am currently in the loan application process with Regions Bank in XXXX XXXX, MO. It's become clear to me at this point I will not be approved for the loan. The amount requested is {$19000.00}, which is basically my monthly gross times 3 ( months ). I attached my most recent pay stub along with my investment account balances as proof of cash. Please note, though these are retirement accounts, in the event of an emergency, I wanted to withdraw funds or the loan is called, i can start receiving periodic payments per internal revenue code 72 ( t ) ( 2 ) ( A ) ( iv ) without incurring penalty ( so, i have access to these funds if want/needed ). My wife and I are basically looking to consolidate our credit card debt to one lower monthly payment. 

I've attempted to explain that the loan would basically transfer what is already being paid to a monthly loan payment with Regions. I believe I am being denied, though I don't agree with the method/calculation used, because of my debt to income ratio. I have been a member of regions for close to seven years. In my [ bias ] opinion, I feel there is no doubt about my ability to repay this loan over the note period due to steady income stream from current employer as well as rental income. Worth mentioning I also received a % 4 raise after starting the loan process and am due for another raise and promotion later in the year ( XX/XX/2019 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # Lease : XXXX Merchant : 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 card or prepaid card

I am writing in regards to my account with Discover Financial Services Account # XXXX, the reason for this request is the reporting of late pays reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. has violated my rights.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, credit repair services, or other personal consumer reports

This complaint is regarding the credit unions namely XXXX, XXXX and Experian. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX  deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and Experian did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accounts.XXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Now XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.
Product: Debt collection

I dont owe anyone anything. So how is this on my credit? 
I have provided my FTC report, Police report, passport and SS info. 
XXXX just admitted I was part of there data breach victims. XXXX has shown I was part of there data breach along with XXXX. 
I have submitted and filed a police and FTC report well over 2 years ago. Which shows fraud was committed on my SSN. 

Please provide me with a XXXX XXXX XXXX and a Chain of Assignment. In regards to this account. Original holder of account is a utility company it says in the amount of XXXX. Doesnt name the utility company on the credit report. 
My name is XXXX XXXX I have not open a account with any utility company. 
Located in XXXX XXXX. 
Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. 
I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. 
Please review my complaints I filed against your company with CFPB and XXXX. Immediately remove this from my credit reports
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX  XXXX
Product: Credit card or prepaid card

We have a small towing business and we used a credit card that was suggested from a bank member. Every month we made payment on this credit card since we see the balance on the personal account. We never had the statement on this credit card and to our knowledge the credit card was getting pay every month. After a year and half we got suspicious since the balance on the credit card didnt match our expenses so we called them and find out the the credit cards we paid was collecting a balance every month them were charging us fee. By the time we find out this problem our credit card balance was XXXX and had a financial charge of {$6000.00}. So I called them and I also wen to the bank and them were able to remove three months of financing charge, but my fees and all this troubles can be avoided since them never send us a statement or a phone call or anything. The business account was open on the 2009 and them confirm that we didnt log in on this account since 2009 since all the payment and activities was checked from our personal account. We work so hard to help people every day in all kind of conditions since we do XXXX XXXX  and this banks keep adding fees to our credit card balance with no mercy. We had to use all our saving to pay off the credit card balance since we cant afford to get anymore fees. This is not right. This is ugly. And the top of that the customer service when you call them are so cold people with no mercy for them customers.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX XXXX XXXX XXXX - {$8200.00} ( XXXX and XXXX XXXX late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

Embrace Home Loans I was given good faith estimate on XX/XX/XXXX for XXXX with my closing cost to be XXXX minus for any out of pocket costs for inspections etc. at closing. {$530.00} for appraisal, {$400.00} for home inspection & {$50.00} for pet inspection. This was not honored. 
My contract was written for XXXX closing cost XXXX, I was not reimbursed for my out of pocket costs as promised and I had extra expenses tack on at the last minute. I was not given my final numbers until about XXXX on XX/XX/XXXX and my closing was settle for XXXXXXXX on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Gonsumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Permanent Removal of Inaccurate Information To Whom It May Concern, I am writing to formally request the immediate and permanent removal of inaccurate and outdated information from my credit report as maintained by Equifax. My credit report includes items that are misleading and erroneous, causing significant damage to my creditworthiness and resulting in my being denied loans and credit cards. This has placed an undue burden on me, particularly during a critical time as I am in the process of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. Specifically, Section 611 of the FCRA mandates that upon receiving a dispute, the credit reporting agency must investigate and correct any inaccuracies within 30 days. Furthermore, failure to maintain accurate credit information is a violation of the Federal Trade Commission Act ( FTCA ), which prohibits unfair or deceptive practices in commerce. 

Recent legal actions, including lawsuits against XXXX and Equifax, highlight the increasing scrutiny on credit reporting agencies to adhere to these standards. I am requesting that you take this matter seriously and conduct a thorough reinvestigation of the disputed items, as required by law. 

Please note that if the inaccuracies are not permanently removed within five ( 5 ) days of receipt of this letter, I will pursue legal action for damages caused by your failure to comply with FCRA guidelines. I am prepared to seek compensation for the harm to my credit score, emotional distress, and the consequential denial of credit opportunities. 


I trust that you will handle this matter with the urgency and diligence it requires. Please confirm in writing that the inaccurate items have been removed. I can be reached via email at XXXX for any correspondence related to this dispute. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently purchase a home and did my mortgage with Loan Depot in XXXX, NJ. Part of my application was to obtain homeowner 's insurance on the property, which I did and paid in full ( {$620.00} ) on XX/XX/. At closing, XX/XX/2XXXX I was charged again, an additional {$620.00}, for insurance for XXXX year and then another 6 months for escrow. I was told to contact the insurer or loan depot to resolve since this was an overpayment. 

First I contacted the insurer who tells me that they never received an additional payment and I should contact Loan Depot so I began contacting the lender. 

My first call to their customer service line sometime in early XXXX resulted in the agent telling me that he needed to contact the branch manager and the processor and he would have someone contact me later that day. I never heard from anyone. 

I waited a couple of weeks and contacted customer service again. They seemed confused that no one had contacted me and assured me that someone would contact me before the end of business that day. I did not hear from anyone. 

The loan officer who did my loan no longer works for the company, but I asked her who I can contact so she directed me to her branch manager, XXXX XXXX. 

I emailed him on XXXX with the issue. He responded on XX/XX/ telling me the issue has been resolved and asked if anyone has contacted me. I told him that no one has contacted me and that the issue is not resolved. He responded that a credit has been issued to me and he would follow up with me on Monday. I have not received any credit and he did not follow up on Monday. 

I reached out to him on XX/XX/2023 asking if he had any update for me and he responded that he was in Connecticut for meetings and asked me for documentation of the issue. I then sent him the documentation and I never heard back from him. 

I then reached out to him again on XX/XX/ asking for an update and he never responded at all. I also know for a fact that he was at work because the Loan Depot office is in the same building where I work and I saw him in the hallway, Finally, on XX/XX/ I reached out to XXXX and I also copied his manager XXXX XXXX asking for resolution and I let them know in the email that I would be making this complaint if I didn't hear back from them. I received no response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.