23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XX/XX/XXXX, CAPITAL ONE closed such account due to XXXX XXXX in fact on behalf of XXXX XXXX for exercising such right to tender legal and lawful payment to principal account. Principal has every right to do so under the pretenses CAPITAL ONE is governed by such " UNIFORM COMMERCIAL CODE '' and " COMMON LAW of CONTRACTS '' and that such corporation accepts and transfers securities and various other negotiable instruments in compliance with SECURITIES EXCHANGE COMMISSION and COMPTROLLER of THE CURRENCY. On behalf of XXXX XXXX I LEGALLY & LAWFULLY completed my performance in " Good Faith '' of such contract under UCC 1-304 , which CAPITAL ONE chose not. Due to the nature of payment tendered CAPITAL ONE maliciously closed my account without notice and has caused me great harm with their tortuous actions. Failure to comply under 15 U.S. Code 1666 ( d ) ( e ) - Correction of billing errors. CAPITAL ONE is willfully and knowingly withholding principal 's securities, and shall be held civilly liable. CAPITAL ONE is blatantly violating BANK SECRECY ACR/ANTI -MONEY LAUNDERING laws, which this would fall under TRADE-BASED MONEY LAUNDERING & SECURITIES FRAUD XXXX
Product: Credit card or prepaid card

I opened a Lowes store card around XXXXXX/XX/April2018. When I used the card I accepted the promotion no intrest for 24 months along with military discount. I called in in XX/XX/2018 to have the due date changed from the XX/XX/XXXX to the XX/XX/XXXXand to have the credit card security removed only to later find out that the due date was never submitted and the security was not removed. I didnt think to check behind the representative the following month because she said it had been completed. Only to speak with another representative today to find out Im still being charged an interest fee and a security fee. I also requested to close the card and the representative refused to close the card and insisted I pay the card off first and call back at a later time to speak with someone at the security department.
Product: Mortgage

Once again~Servicer is intentionally trying to delay borrowers payment to increase the risk of default. CCM has had my mortgage payment since XX/XX/23 mailed on XX/XX/23 through usps. I HAVE A TRACKING NUMBER SHOWING AND A SCREEN PRINT SHOWING IT HAS YET XXXX BE PROCESSED As of XX/XX/23 they had not processed the payment. Just like last time they waited too long to process the payment and caused a late fee and there being a returned check. Although this time these are certified funds. Last time they caused a 30 day late on my credit report making me denied for financing and higher interest rates due to credit score. I believe they are intentionally trying to make me default on the loan so they may acquire my property.
Product: Debt collection

I tried to get my first credit card by XXXX but was denied because they said I had credit card debt. I then checked my credit report and seen there was debt on my credit {$720.00}. I called the debt collection company associated with it and asked about it. Seem to be a scam themselves.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.
Product: Vehicle loan or lease

The loan application number for the loan is XXXX I applied for a car loan and was denied by ( US Bank ) on XX/XX/2023. To this day I have still not received an adverse action letter explaining the reasons for my being denied. I was forced to reach out to the company directly, over the phone, to get the specific reasons because they still have not come in the mail. 

After calling the company to figure out my reasons for denial, I was extremely concerned. My denials came from reasons such as Utilization, credit age, and a few other alarming things. The reasons why they have denied me credit are prohibited basis. Seeing that this is not a " Special Purpose Credit Program '', pursuant to 12 CFR 1002.6 b ( 1 ), I can not be denied credit based on a prohibited basis. I am also fully operating in good faith by requesting a simple extension of credit, which is my right pursuant to 15 UCS 1691 ( a ) ( 3 ). Seeing that my being denied credit is based on prohibited basis, this has now become discrimination. This discrimination has caused me a grave deal of stress and anguish, damaging my mental health, my morale, and the well-being of my family. I am fully aware of my rights in consumer credit transactions, and seeing that I am operating in good faith, and I do not fall under anything listed in 15 USC ( c ) there is no reason for me to be denied credit other than pure discrimination. I attempted to reach out to the underwriter on my case directly to discuss this however I was denied access because as they stated, " I am a member of the public ''. 

The loan application number for the loan is XXXX
Product: Debt collection

I requested information from the debt collector. They had XXXX accounts for me. I discovered the debt was a result of fraud and my credit cards being stolen. The company found fraud on XXXX and never investigated the other. 

They continue to text me often and send emails and report inaccurate information on my credit report.
Product: Debt collection

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following company FNB OHAMA was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX anew account shows up as opened in XXXX. 
The following account does not belong to me and is a result of fraud that I did not authorize : Fnb Omaha - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Product: Debt collection

This company has been dutifully notified that they are in blantant violation o f Fla Stat 95.11  and the Florida Consumer Credit Protection Act as well as various subsections of the Fair Debt Collection Practices Act.  Advance Collection Bureaus has been told the letter of assignment has never been sent to a good address affording me the legally mandated 30 day direct dispute period prior to " LEGAL COLLECTIONS '' beginning. Also, this alleged debt is past the Staute of limitations to collect in the State of Florida. Also, a civil complaint has been filed with the State Attorneys office.
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 consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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: 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, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

TransUnion provided information to XXXX XXXX regarding my credit score same month when I wanted to cancel my subscription with them. All too conveniently they gave my information to XXXX XXXX which resulted in my card being closed and proper due diligence not being followed. I would like this to be rectified and my credit score not to tank because of their unfair, discriminatory and predatory practices.
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. 

XXXX XXXX XXXX XXXX,,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,,, 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming id information that they received from me was not legible.This claim is absolutely ridiculous ( PLEASE SEE ENCLOSED DOCS ) XXXX and XXXX have started investigations based on the exact same request and ID information. Additionally, Experians delays add up to more than XXXX days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS 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/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 XXXX Account Name XXXX XXXX XXXX Account # XXXX, and Account Name XXXX XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX FI XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WELLS FARGO XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : The creditor agreed to delete this account, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Speedy Cash withdrew money from my checking account without approval. My debit card was changed and on Friday XX/XX/2020 they withdrew more money out of my account. I asked for them to stop taking payments out of my account and the representative said further collection efforts will continue then hung up.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contactedTMX Finance of Florida, Inc. D/B/A Insta LoanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to my tittle loan, Loan No. XXXX to notify them that I was experiencing financial hardship due to Covid-19. I received no response. On XX/XX/XXXX, I called into make a payment, I spoke to XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, Florida store, he asked if I would be making an installment payment or paying in full and convinced me if I was able to pay in full I should. I went ahead and made the full payment of {$3000.00} using my XXXX   XXXX XXXX Debit Card ending in XXXX. I ask XXXX if my loan would be reported to the CRA 's as paid as agreed, then and only then did XXXX inform me that my loan account was charged of in XX/XX/XXXX and I was paying of a debt. I told XXXX that he should have led with that information, he then told me that the the CRS 's will remove the charge off. I told XXXX that wat he did was illegal and violated my rights, and I should have been notified that my loan was charged off and not active. XXXX gave e the impression at the beginning of our telephone call that my loan was active. I immediately contacted XXXX XXXX XXXXXXXX and disputed the transaction,
Product: Credit reporting, credit repair services, or other personal consumer reports

Under personal information, there's an entire paragraph stating that the reason the credit cards haven't been paid is because I'm on XXXX XXXX in The Military, and I'm certainly not in the Military! I take Great Offense to this, because I have the utmost respect for all our soldiers here and overseas, past and present and whoever put that there has no respect for my Country and it's disgraceful, and it wasn't there yesterday I'll tell you that right now and it makes me nervous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX XXXX telling me that a new hard inquiry showed up on my credit report and that it lowered my score. I was very shocked at this because I had not done any recent activity that wasnt already reflected on my credit report, and so I went to investigate. I received a hard inquiry on XX/XX/XXXX by a loan company called Flagship Credit Acceptance, a company I had never heard of or used before. I was looking into personal loans a couple days prior to this, but I NEVER submitted a formal application to any company, much less a company Ive never heard of before. 

I emailed Flagship Credit Acceptance on XX/XX/XXXX and asked them to dispute this unsolicited hard inquiry with the XXXX XXXX credit bureau so that my credit score could return to what it was before they wrongfully affected it. I was quite upset at this and so I also decided to call Flagship Credit AcceptancXXXX on XX/XX/XXXX to try to resolve the issue sooner. Flagship Credit Acceptances phone line requires you to have an account made with them in order to speak to a customer service representative. Now, as I said before, I have never been associated with or used this company so of course I do not have an account with them, and so I was unable to speak to anyone to get this problem fixed. 

Flagship Credit Acceptance finally emailed me back on XX/XX/XXXX, but apparently they are not allowed to discuss certain information through email and they said that I had to call them. Verbatim the email said : Thank you for your recent email. Flagship Credit Acceptance does not have a secured email. For the protection of our customers and Flagship we are unable to email information. Please contact customer service at ( XXXX ) XXXX. 

This is the exact number I had called the day before, so obviously this company is putting me through a loop that is preventing me from reaching them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) o
f 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 shall ( i ) 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.
Product: Credit reporting or other personal consumer reports

XXXX and Experian conducted an investigation and refused to remove fraudulent rental collection from The XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from The XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX. I previously submitted a complaint, but am adding a police report.
Product: Bank account or service

Please see CFPB Case # XXXX and OCC Case # XXXX. I received a response concerning the cases cited above from Wells Fargo Bank ( WFB ) dated XX/XX/2917. That response is attached. In that response WFB admits they acted contrary to the laws of the State of California. I ask that as part of your investigation your review this illegally obtained recording of my telephone call with WFB. You will discover that not only did I ask not to be recorded but WFB advised me that I could not talk with them unless I consented to being recorded. Instead of providing and immediate remedy by removing the illegally recorded telephone call from their database, WFB advises in their response letter that I must now send a separate " letter '' asking them to remove the illegally recorded telephone call. WFB in their standard method on operation has not only demonstrated clear and deliberate indifference for law and statute they now want to place further burden on me to get their illegal activity remedied. This kind of indifference should result in swift and substantial monetary sanctions imposed on WFB in an amount so as to induce WFB to get their act together.