23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

This info was removed from my credit due to fraud and was added back fraudulently with no explanation. When I reached out to XXXX I was received with a horrible attitude and nasty customer service. Please I pride myself in keep decent credit I would really like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank does not have permissible purpose to run this credit report pursuant to 15 U.S.C 1081b. 

From : XXXX XXXX XXXX To : Capital One XXXX Capital One XXXX XXXX XXXX  CEASE and DESIST ORDER I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, or Capital One, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028A. Pursuant to 38 U.S.C 5727 ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 9 ), Capital One is aware during the 2019 data breach ( announced July 29TH, 2019 ) which contained my nonpublic personal information. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, and Capital One to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One and Capital One to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, or Capital One fails to comply with this CEASE and DESIST ORDER pursuant to 18 U.S.C 894 ( a ) ( 1 ) ( 2 ), XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX of Capital One, and Capital One shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX of Capital One and Capital One shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a cease and desist order or corrective order of the Chief XXXX XXXX is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute. I will be assessing a fine of {$1000.00} after ( 7 ) days of receipt until removal of this inquiry from my XXXX Consumer Report pursuant to 15 U.S.C 1681n. I will be forwarding this to the Attorney GeneralXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In 2012 I paid off a collection and now the debt is back on my credit report. A collection agency named " XXXX XXXX, XXXX '' is harassing me by telephone trying to collect the debt again. I have attached my original receipt as well as the recent letter I received threatening to sue me. I believe I am being scammed. Can you please help?
Product: Vehicle loan or lease

Honda is showing 2 late payments in XX/XX/12 and XX/XX/12 that are not correct. The account is paid and closed but still an issue. Id like it to be removed off my credit.
Product: Debt collection

Today XXXX XXXX got a text at my phone stating the following COMPUTER GENERATED TEXT, PLEASE DO NOT REPLY TO MESSAGE COMPLAINT NUMBER : XXXX XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX XXXX XXXX THIS MESSAGE IS INTENDED FOR : XXXX XXXX XXXX OUR OFFICE HAS BEEN RETAINED TO MEDIATE PRELIMINARY ARTICLES OF INTENT PENDING AGAINST THE AFOREMENTIONED INDIVIDUAL IN XXXX XXXX. 

WE'VE UNSUCCESSFULLY ATTEMPTED POSTAL SERVICE TO THE RESIDENCE BELOW : - XXXX XXXX XXXX XXXX XXXX, SC, XXXX DOCUMENTS BEING FORWARDED TO THE A AUTO COMPANY FOR SERVICE. 
PROCESS XXXX WILL ATTEMPT SERVICE XXXX - XXXX XXXX XXXX - XXXX TO CANCEL, RESCHEDULE SERVICING OR ENTER STIPULATION, CONTACT XXXX. 
OFFICE PHONE : XXXX COMPLAINT NUMBER : XXXX I called them because it looks like a scam. They called my job and talked my boss and told her that they were calling from a lawyer office regarding my legal matter and she needed to sign for my paper to garnish my pay. I was horrified. I called the XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX and XXXX XXXX. They told me that I have a debt from 2003 from a repossession of a car for {$17000.00}. Unless I pay {$6500.00} today, they will serve me legal documents and garnish my pay. I asked them if I had a judgement because I didnt get any mail about curt day . He said that they were doing litigation but they were going to garnish 30 % of pay unless I pay the amount owed. He continued to tell me that they are aware that I have availability fund on my discover and XXXX XXXX credit card to pay for this debt. I told him that I am a widow that is dealing with a lot bills I cant afford to get in more financial debt with creditors. He hanged up and told me that since I dont want to pay for mu debt, they will ruined y credit and garish my pay. I told him that its illegal to garnish pay without curt order in the state of South Carolina ; also my debt was 10 yrs old. He threatened me and hanged up. I told him that I could lose my job if they continue to harass me. He threatened me with ruining me.
Product: Money transfer, virtual currency, or money service

Went to Chase bank to send {$1900.00} to the XXXX. Asked to wire and was charged {$50.00} for wiring, was done today XX/XX/XXXX. Now reading the small letters the officer did not tell me that the money will be available in the XXXX on XX/XX/XXXX, and that there may be charges by the bank in the XXXX ... 
How come wiring takes 8 days and was not told about it? So Chase bank uses the money for 7 days? very sad non professional practice by the bank
Product: Debt collection

I received a negative mark on my credit report in XXXX of XXXX, I learned via XXXX ( a credit monitoring app ) that I had a Collections Report on my account. The only information provided was that the debt attempted to be collected is {$530.00} and that the Lender is " XXXX XXXX XXXX. '' At no point did anyone from Amsher Collections or XXXX XXXX reach out to me in regards to this debt prior. I sent a letter via certified mail with receipt on XX/XX/XXXX and have received the receipt back yet no response from Amsher Collections to explain why the charge exists, whether they have the authority or licensing to pursue such actions or any proof of this debt existing with XXXX XXXX. As I have not been a XXXX XXXX customer since XXXX, I am highly concerned about the truth of this debt as well as my credit score and social security number being at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021, I attempted to get my Equifax consumer credit report and was DENIED computer access. Today, XX/XX/2021, I received notice of a change that NOT only pulled my credit score down, but prompted me of changes to my consumer credit report. I am formally DISPUTING, and RESPONDING, to XXXX XXXX XXXX XXXX willful, malicious, unlawful and FRAUDULENT credit reporting that I am 90 day 's past due on my vehicle loan account. I was DENIED, entrance into my consumer credit file [ Equifax ] via the internet today, XX/XX/2021. I am reporting, ongoing practiced unlawful DISCRIMINATION/HARASSMENT/RETALIATION ( Based on my recently filed CFPB complaint against XXXX  and XXXX XXXX XXXX XXXX ) ; Civil Rights violations ; Systemic XXXX oppression ; Fair Credit Reporting Act ; Financial status ; and all other applicable violations ( federal/local/state ) practiced by XXXX XXXX XXXX XXXX [ together ] with Equifax. It is apparent, that Equifax and XXXX XXXX XXXX XXXX have a illegal relationship, like XXXX  and XXXX XXXX XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX! I will fax, all supporting documentation to CFPB ( to be filed " only '' with CFPB FOR THE PURPOSE OF " ONLY '' THIS COMPLAINT )! ALSO, let the record show, that XXXX XXXX XXXX, doesn't have an account with XXXX and have NEVER had an account with XXXX. XXXX  @ XXXX. cc : U. S. DISTRICT COURT ; AND FILED.
Product: Vehicle loan or lease

I have leased a XXXX vehicle XXXX XXXX vehicle from XXXX  of XXXX, XX/XX/XXXX. Every month the bank deducts the payment directly from my account. My family and I was XXXX with XXXX on XX/XX/XXXX and I was in most serious condition. My father also passed during these trying and extremely hard times. As a result, one of the payments on XXXX XXXX was returned from my bank for insufficient funds. However our lives were in disarray as all for of us were XX/XX/XXXX and were in XXXX during the entire period. XXXX  in the mean while had gotten payments from my bank until now on TIME and to this date. 
After seven months I received a call from BMW finances saying that I was in collections and I owe {$920.00}. I didn't have work for 8 months but I kept up my payments. I explained to them that it was because of my sickness I was unable to attend to the matter, but they have no mercy. They reported me to the credit reporting agency for seven consecutive months and demanded payments, they have do not want to help their customers during this HARDSHIP. They even today threatened to report my wife to the credit bureau. I have asked them numerous times and spoke to higher up to adjust the late fees and but they keep threatening and destroying our credits. I have spoken to the manger of finances of XXXX  of XXXX and they say they can't help either. All other major car companies are helping their customer but BMW. We need the people of America beware of this situation. They will not HELP YOU during this PANDEMIC and tough economic downturn. I even offered them my XXXX test results but it went through deaf ears.
Product: Checking or savings account

Unfortunately I can't provide all accurate dates as Citi Bank has closed my account and I am unable to log into my account to see all transaction dates. 

Around the beginning of XX/XX/year> I opened up a Citi Bank checking account and I have made a few deposit into the account ( 3 to be exact ). 

XX/XX/year> - deposit of {$1500.00} XX/XX/year> - deposit of {$1800.00} XX/XX/year> - deposit of {$2000.00} On XX/XX/year> I logged into my account to transfer {$2000.00} from my Citi bank account to my local bank. Upon initiating the " confirm '' transfer I received a pop up stating my account is blocked. I called multiple times to figure out why I was blocked and why I can not access my money but customer service said they can't provide details and my account is under review.

A few hours later I tried to log into my account to see if perhaps it was a glitch but unfortunately I could no longer even do that. I called again and eventually got on the phone with a " manager '' and was told that my account has been closed and I would receive a check for my money that was in my account.

It is unacceptable how Citi bank can hold my money hostage while the " account is going through the closing process '' as the manager described it. They were so quick to immediately close my account they should be able to immediately send my funds or at the very least open my account temporarily in order for me to properly withdraw my funds. I have bills and medication I need to pay for and yet I can not due to the incompetent actions of Citi bank.
Product: Debt collection

XX/XX/XXXX hurricane took out well pump. By XXXX, still without utilites so we had to break lease due to inability to have running water for two months. Landlord agreed and accepted us moving, even gave great  refrence when called by new landlord XX/XX/XXXX to do a reference check. 
Had a XXXX balance to company as of XX/XX/XXXX. 

XX/XX/XXXX landlord went behind us and submitted a false claim of debt owed to credit companies. He did not go through courts, nor has he returned any text message over the past three years attempting to find out what this was about.

Tried disputing but no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a deferment of my loan. I deferred my payments to the end of the loan due to covid epidemic. Through this time of deferment this company has Reported late payments to the credit bureau as being late. This needs to be change as it was in deferment.
Product: Checking or savings account

Since XX/XX/XXXX I was detained by XXXX police department. Currently still XXXX and during this XXXX, I have been experiencing fraudulent activity on my chase business bank account. 
XX/XX/XXXX a recipient added their selves to my XXXX account and attempted to take {$1600.00} and another for {$490.00} which was denied by the bank. XX/XX/XXXX Money was taken from my account in the amount of {$1000.00} and another XX/XX/XXXX In The Amount of {$500.00}, which both of those transactions was approved by the bank. This put me and my family at a financial hardship and I need something to be done about this because the bank is telling me they can no longer further assist with my situation. This is discrimination and my XXXX  is a clear fact that these were fraudulent charges, in addition chase has committed false advertisement due to not insuring my money in my accounts as displayed in the disclosure agreement.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was selling a table on XXXX XXXX  XXXX  for {$800.00}. XXXX ( XXXX ) messaged me if it was still available, I said yes. She said can I send you the money over XXXX. I didn't have it at first but noticed it was already linked to my bank account so I thought it would be safe. Then I got emails saying in order to get the {$800.00} I would have to upgrade my account to business which meant sending {$1000.00} to XXXX XXXX ( XXXX ) I only had {$500.00} in my account and sent that at first. Then {$110.00} and then {$380.00} to equal {$1000.00} then to clear everything they needed another {$200.00} which I gave because I thought I was getting it all back. Then I stopped when they wanted another {$300.00} for FBI fines that if I didn't want to be arrested I should pay. I kept getting emails from what I thought was XXXX and from her that told the same story.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Klarna/XXXX  appeared on my XXXX   credit report on XX/XX/2018 and XX/XX/2018. It appears to be personal loan companies under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or a loan and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Credit card

I want to receive pre-approved offers of credit cards and loans from Bank of America via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Debt collection

I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held.
Product: Checking or savings account

Hello, I am reporting about XXXX XXXX  refusal to take action regarding an unauthorized electronic withdrawal on my account. 

The saga began last XXXX when my XXXX checkbook was stolen. Among other problems, an unauthorized electronic withdrawal of {$140.00} occurred using the numbers from the checks. The following month I submitted the necessary forms to XXXX both electronically and via registered mail. I also reported the crime to my local authorities which XXXX advised me to do. 

Since then I have done everything in my power to have this matter resolved resolved and to work with XXXX XXXX. 

Despite my continued attempts at polite communication with XXXX, as well as resubmitting the form several more times, my account still has not been credited. Nor will XXXX communicate with me as to why.

In addition, a local Deputy was actually able to identify a suspect. However XXXX XXXX  refused to comply with a subpoena. The sheriff was trying
to attain the IP address that the thief had used, which was necessary to complete an investigation. Only XXXX has this information ... but they refused to give it to me either. 

You can see the dead end I found myself in! That is why I am thankful that you have the power to step in and resolve this matter. 

Please do not simply refer me to customer service at XXXX. I have been around that circle many times. To give you an idea, Ill describe my most recent interaction with XXXX  ... 

After sending the attached email to XXXX XXXX, addressed to CEO Mr. XXXX, I received a call from a manager. I actually was impressed that XXXX responded! However the woman calling me was only vaguely familiar the email. I suggested she take some time to read it over ( if youve read the email you know where this is going : - ) ). I never heard back. 

Besides what Ive attached there is much more I could send If it would be helpful there are all the other emails Ive sent to XXXX as well as phone records, in case youre interested in seeing how persistent Ive been! I could also give you the info I submitted to the sheriffs department, or forms regarding the check fraud, and so on! 

Thank you so much.
Product: Mortgage

I have been trying to purchase a short-sale property with this company since XXXX of XXXX. They keep messing up the paperwork. They aren't making this a priority. They keep saying 24 hours, yet it has been months. I'm a first-time buyer, and this company hasn't made it a happy experience. They gave a date of XX/XX/XXXX, but I still haven't closed. My information is just sitting in underwriting because this company keeps dropping the ball. I have all the emails of the lady XXXX not responding to emails as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXXair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.