23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX XXXX XXXX XXXX and was recently garnished by creditor. I bank with Flagstar bank. Upon receiving the garnishment order from the bank I contacted the bank and told them that I was protected by Federal law from garnishment. I told them that the law says that upon garnishment the bank must look at my account for the past 2 months with direct deposit and protect 2 months of my money to live on. They did not respond even with certified letter sent on XX/XX/year>. People that work at the bank agrees with me but said it is not up to them. Even had they contacted me to explain to me why they did not protect 2 months would help with my XXXX. They left me with no money at all. Also they took money from XXXX XXXX that was to help me replace my furnace and that money was also protected.Now the cold weather is here and I don't know what to do. The bank did not follow Federal banking rules. 

Flagstar Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX - Past Due XX/XX/year> XXXX XXXX Experian XXXX Never XXXX XXXX XXXX XXXX - Never received XXXX XXXX XXXXXXXX XXXX XXXX  - Never received any correspondences XXXX XXXX XXXX XXXX - Never received any correspondences
Product: Vehicle loan or lease

After returning vehicle. Ally Financial says I am responsible for wear & tear, excessive mileage and acquisition fees due for a total owing {$3000.00}. For the past 3months, I keep reminding them I purchased SMART LEASE PROTECTION ( {$1000.00} ) & MVP TIRE/WHEEL PROTECTION ( {$550.00} ) and the balance due is incorrect. The last rep XXXX XXXX said she would investigate but now is never available. Today XXXX XXXX told me contact the dealership and make them send balance due.
Product: Credit card

I would like to transfer my points on Capital one Venture X card to my airline rewards program. However, Capitalone is not allowing me to do it. They claim that there is a system that they have which will " auto-resolve ''. I have spoken to their customer service teams 3 times in the last 48 hours. No one seems to understand what the solution will be. All they say is the system will " auto-resolve ''. When asked for a time frame, they say - " keep trying every day and one day it will work ''. This is absolutely a robbery in broad daylight of my own eligible rewards and points. When I asked them if they can transfer the points, they said, we can not do that, we only allow cardholders to do it. But when I am trying to do it, the website takes me in an endless loop of 2FA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment The specific account ( s ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 


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

I have an XXXX XXXX credit card through Commenity Bank. I am currently not using the card which carried a {$0.00} balance due for quite some time. Somewhere around XXXX an approx. {$2.00} -3 fee was added to the account that I wasn't aware of. I never received a statement for the amount apparently accrued late fees and eventually reported as more than 30 days late. I finally received a call from a representative about the charges. I told her that I was not aware. She, therefore, removed the two months of late fees and brought the account current. I have been working very diligently to pay al of my accounts on-time in effort to purchase a home. Although this may not have a major affect, I am requesting to have this late payment removed based on the information provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly monitor my credit report and noticed that an inquiry from someone unfamiliar is reporting on my credit report and want this information removed immediately. i have also send my complaint to the company as well. XXXX XXXX. it shows that the inquiry was reporting since XX/XX/2018 in which i did not authorize for anyone from this company to pull my credit report or inquire about anything under my social security number.
Product: Debt collection

PREFERRED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PREFERRED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PREFERRED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I ordered a guitar amp. The shipping was going to take too long, so I canceled the order. I was charged for the purchase even though the order was canceled with proof of cancelation yet the bank keeps saying the dispute is not in my favor and I have to pay the XXXX for the guitar amp that I never recieved.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX balance. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX {$430.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$2500.00} In good standing XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$500.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX  {$470.00} In good standing XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$230.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX  {$5500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$510.00} In good standing XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$860.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$740.00} In good standing XXXX XXXX Reported : XXXX. XXXX XXXX XXXX {$160.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$200.00} In good standing XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX  {$410.00} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Debt collection

SPS Select Portfolio Servicing of XXXX XXXX XXXX, UT appears to be a debt collection agency, who started a systematic harassment by mail debt collection campaign against wife, XXXX XXXX. 

This harassment following a failed foreclosure attempt over the past 2 years ( XXXX-XXXX ) by XXXX XXXX XXXX and their attorneys ( XXXX ) over a 2nd Mortgage default loan by XXXX, approximately 10 Years ago. 

During XXXX-XXXX time period of XXXX/XXXX ( attempt to foreclose on our residence, XXXX XXXX XXXX, XXXX, VA XXXX, on legal advice & assistance of Mr. XXXX XXXX, Attorney, XXXX XXXX, VA, both myself, XXXX XXXX, and wife, XXXX, entered Chapter XXXX Trustee Protection, twice, that prevented the foreclosure attempt by XXXX/XXXX legal agent.
Product: Debt collection

I am receiving information regarding a debt but the collection agency does not provide the information to verify this debt. They are sending information for a limited amount of time but they state that this credit card was opened in 2015 but they keep sending me information and records for years but no information for 2015. I was sent information listings that includes other customers name and their personal information including my personal information. I requested information regarding the credit approval in 2015 3 times to no avail. I am really concerned about the information being sent to me regarding this debt.
Product: Credit reporting or other personal consumer reports

Have an unauthorized inquiry on my credit report, that I dont recognize. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report free from inaccuracies, and this inquiry was not authorized by me. I did not apply for credit or grant permission for this company to access my credit report. Therefore, I request that you immediately investigate and remove this unauthorized inquiry from my credit report.

Please conduct an investigation of this matter within the 30-day period stipulated under the FCRA and notify me of the outcome. If the inquiry is found to be unauthorized, I request that it be permanently removed from my credit file.

Attached are any relevant documents that support my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my credit profile. I have reached out via mail and phone several times for them to correct and update this information. However, I only received a letter stating they are not sure what I am asking for when I have clearly requested the removal of this account from my credit profile as it is hurting my credit score and creditworthiness.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX XXXX, XXXX and Transunion about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and XXXX and Transunion refuse to investigate the accuracy of the account. Transunion sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing funding.
Product: Checking or savings account

My account was closed after I deposited a check into my account. The check cleared after 7 day bank processing time. However I had no access to my account once I realized chase had closed it without even a notice. I now cant access my funds!!
Product: Vehicle loan or lease

I have tried to fix this numerous times with no luck and they have to license to collect in my state and repossessed the bike and sold it for nothing and the debt is over 4 yrs. in Texas making it over with
Product: Credit card or prepaid card

On XX/XX/XXXX, I took out a flex loan from Citi through my double cash card. When I saw the payment due in the Citi app and looked at my payment options, there was an option to pay my XXXX statement balance plus the minimum for the flex loan. The description reads " This includes your monthly Flex Plan Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months. '' With that option, I paid {$1400.00} on XX/XX/XXXX, with the impression that would pay the minimum on the loan of {$72.00} and statement balance of {$1300.00}. 

I just reviewed my XXXX statement on XX/XX/XXXX and and my statement balance is now {$2000.00} even though I only charged {$740.00}. I called Citi and was told that my payments are applied to the highest interest balances first, which is my flex loan which has an APR of XXXX compared to my purchase APR which is a promo rate of XXXX. I was just planning to pay my statement in full with the minimum on the loan each month, but now my statement had snowballed into a larger amount that is not affordable.
Product: Credit reporting or other personal consumer reports

I did not receive any notifications from Capital One - Kohls that I had a bill to pay. When I learned that I had a bill to pay, I contacted the company and explained that I never received any notifications. They removed all penalties and interest. I paid the bill in full that day. 

They took off the following : Late fee adjustment - {$29.00} Interest Charge Credit - {$4.00} Past Due Fee - {$40.00} Purchase Finance Charge - {$4.00} As a result of me not receiving any notifications from Capital One, they have lowered my credit score by XXXX points from XXXX to XXXX. 

This also happened to me once with Capital One - Walmart.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I downloaded some credit monitoring apps on my phone and I saw many things that were alarming. I had to addresses associated with me that were never my addresses in Alabama. Ive only lived in Maryland since entering this country. I also saw that there was a student loan from citizens bank under my profile and I havent gone to school in this country ever. I immediately disputed it and Experian returned and said that I co-signed for a student loan for a person by the name of XXXX XXXX. Although the account reported current, it wasnt mine so I disputed it. The did not remove it. Upon my own research, the two addresses in Alabama were associated with this man ( XXXX search ). Now the account has increased and shows out of deferment. Im terrified this account will ruin my report. Its not accurate. The addresses were removed but not the account. I filed a police report for identity theft and the report number is XXXX for XXXX XXXX county Police Dept officer XXXX
Product: Credit card

Did not like the way Discover.com has handled and determined to reverse the credit on a disputed charge by XXXX XXXX XXXX. A copy of my letter of intent to continue dispute lodged with Discover.com is below : I deny I ever viewed, received or agreed to the terms on the alleged documents posted by Discover Card in said dispute. I viewed and agreed to a different set of documents that did not include a trial or additional charges. By this notice I intend to continue this dispute with XXXX XXXX XXXX. There is no proof I agreed to the terms alleged. I have also notified the Federal Consumer watchdog agency, CFPB and the FBI of the outrageous nature of XXXX interstate business practices. XXXX XXXX XXXX_____________________Signature Date : XXXX XXXX, 2015
Product: Debt collection

The company is reporting delinquency of payment on my credit bureau reports. The account was paid as agreed and never late.
Product: Money transfer, virtual currency, or money service

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

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