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

In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided XXXX proof that I benefited from any of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Mortgage

My husband and I purchased a double wide mobile home in 2001 which was put on the land we had previously financed with a loan from Regions Bank. We have been paying on this loan since, with a 7.34 % interest rate. When the interest rate was lowered, we tried to refinance the loan thru Regions and was told that they do not do mortgage loans. I have tried refinancing thru the HARP program and was told they do n't refinance mobile homes. We are retired with a fixed income and paying XXXX a month mortgage payment to Regions. We have considered a reverse mortgage but do not know if that is a good move. My son has a home on the land and we were hopeful to be able to leave the land to him and a daughter. At this point I do n't if we can continue to pay the mortgage as prices keep rising.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit ReporXXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXXXXXX, Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report. 

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame.

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

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

SincerelyXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized by me, and I did not communicate with this lender on the specified date
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX I found many accounts open under my name the report and the accounts I listed they are fraud I never open this is identity theft.
Product: Debt collection

Portfolio recovery was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a XXXX related account that they purchased. XXXX was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 Additionally, these INQUIRIES are NOT AUTHORIZED, I have review my financial transactions and remember doing NO BUSINESS with these financial agencies : CERTIFIED - XX/XX/2022 XXXX XXXX - XX/XX/2022 Most, importantly, to avoid future possible fraudulent activities in my credit report please make sure that this is the only name XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that should show in my credit report. Other personal information that reflects in my credit profile, you need to REMOVE it : These are MISPELLED Names in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the ADDRESS that DO NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I have been getting interest charge fees and interest charge cash advances fees charge not including the monthly fee I pay for over a year now.
Product: Credit reporting or other personal consumer reports

Remove all inquiries on my credit report not attached to any accounts. 
Also requesting from the companies according to FCRA to pay {$1000.00} per inquiries on my report. 

XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX did abuse the conscience of the Consumer by using deceptive forms for an auto loan. In XXXX  XXXX XXXX extended credit creating a debt with XXXXXXXX XXXX dealer in XXXX Michigan. I exercised my Consumer right of rescission and informed the dealership to come pick up the vehicle from my home. Based on the rescission efforts done in good the security interest was to be returned to me in accordance with the Truth in Lending Act. XXXX XXXX failed to return any security interest and the credit that was issued to them. Also XXXX XXXX  along with XXXX XXXX in Michigan committed identity theft due to not returning my wet ink signature contracts signed by me nor did they return the down payment that was not included in the finance charge. Both XXXX XXXX and XXXX XXXX did gain an interest in my private property in accordance with 15 USC 1667 ( 5 ) a security interest was granted to both XXXX XXXX and XXXX XXXX that secured my obligation to pay.
Product: Payday loan, title loan, or personal loan

Last XXXX, I signed up for a credit card auto-pay at Bank of America. 
The auto-pay was to pay my credit card from my bank account. 

Last XXXX, I found out that my credit card was not being paid. 
I called customer service and they did not know of any auto-payment. 

I went to my local BoA to address the matter. 
The woman who helped me called customer service and came back and told me that they are investigating the matter. And in 2 weeks, that I would get a phone call w/ an explanation. 

2 weeks later, no phone call. No explanation. 

I called the branch and they did not know of any investigation or why I was told their was one. The woman who, told me their was one, did not work at that branch, she was just working at that location on that day. 

They gave me a number. I called. It was another customer service line. And they did not know about the auto pay or the investigation. 

I called the branch again, and they scheduled an appointment with me. 
The branch manager apologized and deducted that the auto-pay form did not go through the proper channels- and was lost and/or discarded. 

When she called the head offices and explain the matter, they put me on the phone with a rep. The rep said I was about to go to collections but they stopped it, and took approx XXXX dollars from my account and put it towards my card. 

The branch manager apologized again. And I left. 

What I did not know-at the time was that tmy credit card was shut off ( its a Bank of America card ) and that my credit scored suffered greatly because of their mishap. 

If possible, I would like this matter investigated and have my credit score reassess.
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and just put the same numbers on my credit report and say it was updated
Product: Vehicle loan or lease

Carvana failed to provide full disclosure of contract. Please see below attachments in regards to this matter. I have sent these documents notarized and priority mail on XX/XX/XXXX and I have to date received my confirmation. 

Tracking XXXX My efforts to resolve this matter has been sent via mail to the XXXX headquarters of purchase and corporate headquarters. Both, were tracked deliverable on XX/XX/XXXX.
Product: Debt collection

collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee
Product: Money transfer, virtual currency, or money service

PayPal put an account limitation on my account XXXX  days ago and I submitted the required documents so they removed it for less than XXXX hours and put another one on my account which again I submitted the required documents for them to remove it and XXXX  days later my account is still limited and I am no able to use my money that I have in PayPal or anything. I am XXXX and I explained this to them and I feel they are discriminating against me due to my XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized hard inquiries on my credit report that are inconsistent with 15 USC 1681c-2. Please remove these errors promptly, as they are damaging my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Mortgage

I've been charged with late fees, return fees, when I always paid punctually. I've been charged for homeowner 's insurance when I always paid my homeowner 's insurance separately and provided proof. I've made numerous attempts to resolve this charge and sent certified mail with proof of coverage. I've requested accounting ledger and found several misapplied mortgage payments which created late fees when I complained about it, they sent a {$20.00} check which I did not cash because it doesn't satisfy the fees added and their response was that it would mess up accounting and tax paperwork for every year. I also tried numerous times to seek assistance with my arm loan where my rate fluctuates every 6 months and explanation of why my interest rate would be higher than market rates when rates were low but high when it was high and although I've read my loan and verified, I have a no lower than 6.49 % rate I have sought assistance and getting fixed rate I have excellent credit and on fixed income but never defaulted on my loan nor my taxes but yet I was always instructed to refinance my loan and then get denied or do not qualify. I've been ignored I've been discriminated against due to my hearing loss from XXXX. They don't care to truly assist me.
Product: Debt collection

To whom it may concern, I am unaware of this debt, I did not have the opportunity to dispute this debt and I have not received proper notification about this debt. If in fact you believe I've received proper notification please provide the " XXXX Mail '' with the receipt with my name and signature on it stating that I have received it.1. Portfolio Recovery has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. Portfolio Recovery has not given me teh opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violation of my consumer rights by the Portfolio Recovery, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Portfolio Recovery is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to Portfolio Recovery, I XXXX XXXX is also revoking all rights of Portfolio Recovery from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between Portfolio Recovery and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of PA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXXXXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.
Product: Credit card or prepaid card

Capital One change my billing date with a last minute notice. I call them to ask why my billing date was just change at a last minute. I talk to some one at Capital One and discuss I wanted my date to stay at and on the XXXX  of the month. I was on the phone for 45 minutes back and forth been transferred to talk to some one higher up. I was told that the XXXX of the month to the XXXX  of the month. I called back to ask where is the letter that I was told that would be mailed out. Got the run around on XX/XX/2019 more run around was told no such call I did not call. Capital One transferred me to 3 other people like a cat and mouse game. I called back Capital One Bank Rep was very rude talking all crazy. Capital One Bank seems to have issues one rep telling me her date change and all that has nothing to do with me and is not professional in any way or has nothing to do with my issue is and the date that a rep said was going to be on the XXXX XXXX I have XXXX  accounts and was stated would be adjusted to the XXXX of the month. Call back on XX/XX/XXXX9 and told now it 's going to take 3 months to adjust but Capital one just change it at last minute. One excuse after another 3 months now. Capital One Bank seems to be having financial issues with there credit card clients paying on time so now it appears there just trying to change things for there benefit and give customers the run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I previously sent a verification letter via certified mail regarding inaccuracies on my credit report. Despite their form of verification, the attached screenshots indicate the information remains inaccurate. This persistence is a direct violation of Title 15, Section 1681 of the Fair Credit Reporting Act ( FCRA ). I urge immediate correction of this error as mandated by federal law to uphold the accuracy and integrity of consumer credit reporting. Your swift attention to this matter is greatly appreciated.
Product: Debt collection

XX/XX/year> Aldous & Associates PIIL Sent letter informing me that I was responsible for a debt and breach of contract for a rental contract period XXXX XXXX XX/XX/year>. 

XX/XX/year> I immediately sent a letter of response denying that I was responsible and provide more descriptive information and evidence that indicates I'm responsible for the rental breach debt. 

XX/XX/year> I received a reply with what appears to be some sort of contract documentation. The contract documentation did not provide visual evidence of my signature for the Time period of XXXX XXXX XXXX XXXXXX/XX/year> rental agreement claiming due balance of payments required. Instead they provided an unsigned rental agreement for time periods XXXX XXXX XXXX insinuating that it was signed by me when in fact there was no signature nor does the lease agreement timeframe align. The documents provided poses faulty details with identity theft and forgery implications.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I already submitted a complain in which PORTFOLIO RECOVERY ASSOCIATES stated that they would remove the debt, in which they did from XXXX but not XXXX. Please remove this debt thank you