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

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was incarcerated for several years and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. 
Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. 

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. 

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. 

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX Account number XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Checking or savings account

I received an email from Capitol One that a new checking account had been opened in my name. I called Capitol One to report the fraudulent account, and they confirmed the account was under my name and social security number, but would not give me any further information because the phone number linked to the account had been changed and was not my own. They will not give me any further information regarding the account nor confirm if it was closed. A few days after making the complaint, I then received a notification of a bounced check from the account and received a debit card for the account in the mail.
Product: Debt collection

Capitol one Na passed the debt to XXXX XXXX XXXX I told them I was locked up since XX/XX/XXXX XXXX XXXX XX/XX/XXXX in XXXX county I o I also saw the debt was incurred at a Airport and in XXXX XXXX I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reported on my Credit Reports : XXXX XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out NUMEROUS letters to the Following Credit Bureaus. Transunion, XXXX XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!
Product: Debt collection

I contacted your office 1st due to the company had already made a violation of the FCRA by notifying Credit Bureaus before any contact with me
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX BVVA credit accounts were acquired by PNC Bank XXXX XXXX yrs ago. PNC raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. 
PNC 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. 
One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call PNC. 
I called PNC and told them that the larger one for XXXX was correct. But the {$1.00} for a charity was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. 
On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. 
PNC 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that PNC 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called PNC and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to PNC 's action Kindly confirm your receipt of this note and request Thank you
Product: Debt collection

I received a letter from the law office of XXXX XXXX XXXX on XX/XX/XXXX. I XXXX  the address provided on the letter, and the address was permanently closed. I called the number provide on the letter, and they gave me an address to send a letter to request validation of debt. I sent a validation letter on XXXX XXXX. USPS tracking : XXXX XXXX XXXX XXXX XXXX XXXX. I never received anything back from them. On XX/XX/XXXX, an agent from XXXX and I called the law office and they refused to verify my debt and remove it. The lawyers office is refusing to communicate with me or provide validation.
Product: Payday loan, title loan, or personal loan

I have a XXXX XXXX line of credit with Wells Fargo. I have two different lines, one with a balance that gets charged interest and a no interest special terms balance. 
The issue is with the no interest special terms balance that needs to be paid in full by XX/XX/XXXX. I spoke to a customer service rep last in XX/XX/XXXX wanting to pay off the special terms balance. I was told that any amount that I pay over my minimum payment due would be applied to the special terms balance. My minimum due was {$210.00} and my special terms balance was {$190.00}, on XX/XX/XXXX I made a payment of {$400.00} to pay off my special terms balance. 
I received my XX/XX/XXXXstatement and found that Wells Fargo applied my over payment to the interest charge balance NOT the no interest special terms balance. 
I have no way to pay off this non interest special terms balance before the due date and will be charged all the past interest. I am being set up for failure and Wells Fargo will profit on all the accrued interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and BoarXXXX where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. All I do with my personal account is buying. There is no selling and I pay all of my bills on time. Now all my credit cards are declined from the paypal system for no apparent reason and explanation. I have couple paypal accounts. They were limited but now they have already been restored after I uploaded my documents. This is the account that is in ban under my infos which I believe is the cause why I am unable to use paypal services via my cards even after my limitation has been restored. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''. 

Wanted solution : Reinstate my account and uplift ban and declines for my credit cards. 
XXXX Credit XXXX Credit XXXX XXXX XXXX Credit XXXX Credit All these cards belong to me and my mom. None of them is stolen cards, and I have not had a single payment that's not paid off. I don't owe paypal any money nor would I have any chance to owe them any money because I am not a seller and I am not using their business account functions. I don't understand why paypal bans me from using my credit card when it isn't even a banking system. I am just trying to purchase as a consumer and I pay all my bills on time with absolutely no delay yet paypal bans me for no reasons and explaination. And I can't use my CC now on its platform no matter how many new paypal account I have recently made. I feel mistreated for being seen by this company as scam, dishonest, or high risk users. I don't know why they ban me. They never explain nor could their customer service team help me out.
Product: Vehicle loan or lease

I recently found out that Oklahoma  Motor Company h as sued me after selling my car for far less than what I owed, the car broke down and I took it to their shop as they instructed me, after weeks of calling with no call back or answers, I assumed the car was getting fixed, I then received a letter that the car was sold for {$1000.00} dollars in auction and I owed like {$19000.00}. Then I come to find out that i was sued and then it was dismissed due to lack of service, come to find out that some scandalous process server lied and said he served me, although I was never served, judge dismissed the case and then magically as attorneys do, they got the judgement against me, which in turn will cause me to file bankruptcy.
Product: Credit reporting or other personal consumer reports

I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX because what they are reporting is entirely inaccurate.
Product: Mortgage

Have been on a payment plan with Wells Fargo since XX/XX/2018 that is to go through XX/XX/2018. Have made payments for the months of XXXX and XXXX for the arrangement. Worked out with Wells Fargo Home Mortgage Representative XXXX. That since the payment plan monthly amount was for {$710.00} and there was no way could pay that amount up front, said that on every payday would break each payment into partial payments of {$170.00} and {$170.00}. Well, she said that was fine and that we had until the end of each month for the payment to be made. XXXX is a bad month for us because our car tags come due on all our vehicles and we are playing catch up with other bills. I only make {$14.00} an hour at my job and my wife is without work right now. She has been actively looking with no luck yet. We explained all of this to Wells Fargo and had a wonderful representative the first time with XXXX XXXX, who explained with the first one that we  had until the end of each payment month to make the payment. Our first one was almost complete when our account got hacked. We spoke with XXXX and tried to make that final payment back in XXXX or XXXX but Wells would not hear of it and made us go on another plan. Only this time we got a new representative XXXX, who will not leave a message or send an email to us so we know there is a possible problem. The only time she ever responded is when I send a bit of a XXXX email to her. Once again explaining our situation and making sure we still had till the end of each month to get the full payment made. Her response was yes. Well, we got a credit notification from our monitoring service that Wells Fargo zapped my Credit report due to a partial payment not being made but yet the branch took the recent payment made on XX/XX/18 with no problem. I can not take personal calls during my work hours and have asked several times to please leave me a message if Wells Fargo did call. I had been getting calls during work my work hours but never got any voicemail messages. I did not recognize the XXXX # that was on my phone. It was not id on my caller ID to even know who it was calling. I have been plagued with so many scam calls on XXXX # that I am weary of answering them even when I can. Explained this to our representative XXXX but she refuses to make other contact with us. Our payment is for {$710.00} and half of the month of XXXX 's payment has been made all ready and still have two weeks before the end of the month to make the last two payments needed to complete the full payment. Wells should not have dinged my credit report because the full payment has not been received and they took my partial payment on the XX/XX/XXXX. I have all my receipts and will gladly supply them to you all for your records. It is not right for Wells to leave no messages and no emails or formal letters and put this on my credit report. Want it removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the CFPA Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving accounts vulnerable and unprotected. Also the dispute process was unfair and deceptive as they did not do okay with error resolution requirements under the EFTA, Electronic Funds Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the GLB Act of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. I did not give your Company permission to report anything to my private property my consumer report. This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

My husband passed away suddenly without a will and no named beneficiary of the {$940.00} on his bank account. However during his illness he called the Regions bank customer service with me on the telephone and stated that he authorized me to pay his bills from his bank account. The CSR asked for me to be put on the phone to give my name and social security number which I gave. He then said that it was on the Regions banks system. I paid some of the bills from the online account that I setup, but within three weeks my husband died. Now the bank has frozen the funds. I wrote letters to the branch and head quarters about having the funds sent to me to help pay for my husbands burial. I received a message online from the bank stating that I should go to the branch with my husbands account to personally to discuss the matter. I went to the branch where my husband had his account and I told the one of the branch employees why I was at there. From the start his manner was discourteous and dismissive. He never even offered the customary courtesy of condolence for a customer who banked there for several years. Instead he quickly pushed back the copies of the death certificate and letters I wrote to the bank with a smirk and told me that there was no record of the telephone conversation on the bank 's system. He also added that my husband should have put his authorization request in writing. I told him that the Regions CSR did not tell us to put the request in writing and of course my husband and I did not know that his death would be sudden. Again the bank employee ignored what I told him about my authorization to pay from funds in my husband 's account. At that point he left briefly and came back to the office where I was sitting and laughingly told me to go to probate court for authorization and then come back to the bank. The account in question has {$940.00}. I am on a fixed SS income with new debt to bury my husband. Plus, I can not afford to hire a probate attorney at {$500.00} - {$1000.00}. I believe this situation could have been avoided had the CSR conveyed to us that the bank needed to have the authorization request in writing. Therefore, the bank should not withhold the funds due to the error on the part of their employee.
Product: Checking or savings account

In XXXX of last year, while I was working in California, my rental car was broken into and my backpack was stolen ; it contained my passport, checkbook, and other personal items. ( Police Report available ) I immediately contacted my bank to close this compromised checking account, but they refused because all postings had not cleared. They said I had to wait until they cleared, which I did and finally, the compromised account was closed on XX/XX/2023 and opened a new checking account. 

[ Capital One has a design flaw in its online banking. They list all your accounts, including the closed ones, all together, making It look like all the listed bank accounts are working and active, which leads to constant confusion for the account holder. 

On XX/XX/XXXX, without my knowledge or consent, Capital One reopened the account due to a posting. I was told I had to pay it for the account to close. I paid the charge. On XX/XX/XXXX, another posting hit the account for {$14.00}, leaving the account with a negative balance of {$14.00}. This time, I refused to pay the negative charge ; it was insulting to be bullied into paying a charge that should have been rejected or applied to my new active account. On XX/XX/2023, XXXX XXXX sent me a letter informing me that they were exercising their right to debit my savings account to cover this outstanding charge of {$14.00}. This time, they left the once-closed account open. Then, a refund was issued to me and posted to that checking account, which now showed a working, accessible balance. Once again, I asked that the account be closed and withdrew all the money. I was told the account was closed. This caused me much confusion ; I inadvertently sent payments against the wrong account, thinking I was using the one good checking account ; in my mind, I thought, " Surely, a closed account will not allow payments to be posted against it. '' I thought it was my error in not making deposits in time to cover these payments. I even had an auto-pay for CAPITAL ONE 's CREDIT CARD from this closed account. To this day, the wrong account carries a balance of XXXX cents. 

Capital Ones refusal to close my account when I had first requested it left me financially vulnerable, it also affected my credit and cost me hundreds of dollars in late fees and returned items fees.