23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX 2016 my Amazon.com account was hacked. The hackers applied for credit using my name. the account was not opened. They proceeded to try XXXX other individuals names XXXX of which worked and they opened an account. When I receive a text message on XXXX XXXX I immediately contacted Amazon. When they told me my account was hacked I filed a police report with the XXXX XXXX XXXX XXXX Sheriff Department. The Amazon rep specifically told me no credit was applied for. It was a week letter when I received a request for additional information from Synchrony Bank in order to open a credit card account that I knew they had pulled my credit report. I have contacted Amazon and Synchrony bank their credit card provider to have the inquiry removed and report the fraud. My last attempt today at XXXX XXXX XXXX is my FIFTH 5th phone call to resolve this isse. Each call has lasted a minimum of 30 minutes.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX XXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXX XXXX XXXX.
Product: Debt collection

I am writing to formally dispute an inaccurate entry on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XXXX, 2024. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.|
Product: Debt collection

( NCB MANAGEMENT SERVICES, INC ), continued attempts to collect debt I do not owe. 
I have disputed ( NCB MANAGEMENT SERVICES, INC ) account number XXXX because the debt is not mine with the Big XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report and ( NCB MANAGEMENT SERVICES, INC ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA
Product: Mortgage

I am filing a complaint against Ocwen Loan Servicing/XXXX Bank for utilizing BWW law group Attorneys At Law to use intimidation to force me to contact them while I was reporting their misconduct to OCC and Consumer Financial Protection Bureau. I recieved correspondence from this firm which had my complete history of my promissary note and deed of trust. In the correspondence that I signed for through the United States Post office XXXX VA. The letter stated, " This is not a demand for payment and this firm has not been retained for a lawsuit against you. '' This type of intimidation and bullying is a part of the abuse I have recieved from OCWEN Loan Servicing/Deutsche bank. XXXX XXXX XXXX XXXX requires financial institutions - companies that offer consumers financial products or services like loans, financial or investment advice, or insurance - to explain their information-sharing practices to their customers and to safeguard sensitive data. I never gave XXXX and XXXX attorneys or XXXX to have authorization to me or my ex husbands information. Will attached documents. My original note and deed said that the loan had to be kept as a VA loan.
Product: Debt collection

I have never been contacted by this company or did business with this company and now they on my credit report. There has been no communication they have given me by mail or phone. This is not my debt
Product: Mortgage

When the COVID-19 pandemic began, I contacted our mortgage company, Home Point Financial to see if they would work with us as I was taken to half pay and my wife was furloughed, drastically reducing our income. I had been reading about other lenders working with their clients and allowing them to go into forbearance and tack on the missed payments to the end of their loan ... I was hoping for the same from our lender. The only option they offered was to have a 60 day forbearance with a balloon payment due for the missed mortgage amounts at the end of the 60 days or they would begin foreclosure proceedings ... which is creating an incredible hardship for us and doesn't make sense as to where we would come up with the funds with reduced income?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed collection accounts that do not belong to me. I need these accounts removed from my credit report. They are hurting my ability to get access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

The inaccurate reporting has damaged my livelihood.

The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

CAPITAL ONE AUTO FINANCE is clear in violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
Product: Checking or savings account

My wife was using our chase card to do laundry. Considering I constantly deposit money in the account, I constantly check the account and noticed 2 fraudulent charges. One was from the same laundromat where my wife was, XXXX dollars. This is because she lost it there. Couple hours later another fraudulent charge in XXXX occurred, XXXX dollars. I called chase and made the claim. They reversed the funds. Now chase states the charges are valid and overdrew my account with these charges. I have never been to that XXXX nor have I ever in my life spent more than XXXX dollars at XXXX. Why would I? Wife and XXXX XXXX girls. We are also practically vegetarians, so we don't buy food like that. Chase does not care and I refuse to pay for charges I have not made. Im stuck in this situation because of XXXX and i have been left hing dry by chase. I will close my account with them for good the moment this is over.
Product: Credit card or prepaid card

I have a charged off account with capital one that was opened without my knowledge ; However I am taking responsibility for this account. I have no problem taking ownership ; On XX/XX/2020 I called capital one to try and resolve this and they didn't want to resolve it. The customer service agent did nothing to help or resolve this matter. Because this account was opened without my Knowledge I requested that if account was paid off in full will capital one remove or delete from credit profile.. Capital one refused payment and told me that I have to keep an account or trade line even if I don't want one with them, and deleting the account will never be an option even if don't wan na do business with them. This is completely unethical to force someone to do business with them and refuse payment but keep reporting negatively even though I tried to pay..
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX XXXX that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
CAPITAL ONE AUTO FINANCE 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent
Product: Money transfer, virtual currency, or money service

i was fraud alerted by chase bank that money was being transferred in the XXXX via XXXX XXXX online. I immediately contacted chase bank on XX/XX/XXXX at XXXX XXXX united states time XXXX on a recorded line that the transaction did not belong to me and was fraudulent.On XX/XX/XXXX the money was returned to my account at Chase. On XX/XX/XXXX Chase bank took the money back out of my account saying that i authorized the transaction with XXXX XXXX. Both XXXX XXXX and Chase are denying any responsibility. XXXX XXXX on XXXX XXXX, announced that they had a major security breach and I believe i was a victim. There were 3 transactions from the same person and location. I had previously sent money to this person who was related to me. The problem is that the monies were disbursed at a location in XXXX XXXX and my cousin lives in XXXX XXXX which is different region of the country. There was never a control number issued for these transactions which is required to receive the funds. 
I spoke with XXXX XXXX and they could not provide a control number of the transactions Transaction 1 ) XXXX Transaction 2 ) XXXX Transaction 3 ) XXXX totalling XXXX US dollars. I have been blocked by XXXX XXXX for going on line to investigate and Chase has said its my responsiblilty to contact XXXX XXXX. I also contacted XXXX XXXX and they said to call Chase because Chase withdrew the money.
Product: Credit card

I bought four tires in XX/XX/2023 for roughly XXXX and was offered a 6 month no interest credit card. I am an XXXX and well versed in financial matters. I have always paid credit card balances in full and have never missed payments unless there was a mailing problem. 

To me, 6 month no interest card means an interest free loan for six months. This was not the case. It turned out that minimum payments were required and late fees were assessed when minimum payments were not made. So a requirement to make a minimum payment results in lost interest ( 5 % can be earned on a savings account ) so to me this is not a " no interest '' credit card. And late fees were usurous. A XXXX late fee was assessed on first XXXX minimum payment. That is excessive and exceeds any promotional interest rates. A second  XXXX late fee was assessed on second missed minimum payment as well as a negative notification to the credit rating bureaus. 

I went back and looked at the materials I was given. They were incredibly deceptive The original receipt describing the credit card had NO mention of the minimum payment. I was given a 15 page description of the credit arrangement. Principal terms were in bold. In fairness, the minimum payment requirement was on the front page but NOT in bold. This 15 page description was promptly filed. The original balance statement, which I kept handy because it was only 1 page had the no interest offer mentioned on front page. The requirement of minimum payments was on the BACK page in fine print.

I feel that the mention of the requirement of minimum payments was deliberately understated by the company ( Synchrony Bank ). If this trap got a sophisticated consumer, I can't imagine what is happening to the average consumer.

I have verbally requested return of the late fees and
revocation of any notification to credit report agencies.

I know there has been recent action by CFPB on late fees. I don't know if this issue has been addressed but I think there should be requirement to make better disclosure of minimum payments on these " no interest for _ months '' offers. I have never made use of these offers before so have no other banks in comparison. 

I have retained most of the material provided by the company and would be happy to provide so as to improve future disclosures to consumers.
Product: Credit reporting or other personal consumer reports

Fraudulent information thats on my credit report, that were not any transactions made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports
Product: Student loan

In XX/XX/XXXX I consolidated a group of loans into one which was shown in Sallie Mae 's records as {$81000.00}. Sallie Mae ( " SM '' ) has based its interest and payment levels on a debt much higher -- {$130000.00}. I believe this is based on double counting capitalized interest and numerical errors. The result is that too little of my payments over these 16 years have gone to reduce the debt, which is still listed by Navient as {$83000.00} as of XX/XX/XXXX. 

In addition, when the consolidation occurred SM neglected to remove the original loans from my credit report as paid. Therefore my debt was shown as over {$200000.00}, with costs to me in mortgage and credit card interest rates. 

Their responses over the years have not answered my questions or concerns. The current website report of payments shows the original amount as {$81000.00} but the monthly bill shows the original principal as {$130000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by Equifax data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX Account number XXXX, -XXXX  Account number XXXX, -XXXX XXXX  Account number XXXX, -XXXX XXXX, Account number 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

I have hard inquiries on my credit report from all 3 bureaus that are fraudulent and I have contacted them directly to have them removed but I was told to file this report. Please see the items below.. XXXX Hard Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 
Experian Hard Inquiries - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations.

Item to be Disputed : [ List the account or information being disputed, including account numbers, dates, and any specific details of the error. ] Nature of the Dispute : [ I believe the information is inaccurate. I request that it be deleted off of my report immediately. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action.

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved.

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

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

As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to Transunion, XXXX, XXXX and to guys concerning my issues.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX -- {$760.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am interested in disputing the inaccuracies on my credit report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act LVNV FUNDING LLC XXXX # XXXX has voilated 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 or other personal consumer reports

XX/XX/2023 Report Number XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete personal credit information. 

See the attached credit report from XXXX I am distressed that you included the below information ( see attached credit report ) in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure the information reported is completely accurate and correct. 

Due to concerns about identity theft please delete all invalid addresses and alias names from my credit reports attached copies that contain the correct information. 

Please also send me my updated and corrected Credit Report as soon as your investigation is finished.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint regarding inaccurate late payments on my credit record. After reviewing my report, I found these erroneous entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.
Product: Credit reporting

I have disputed an item twice with Equifax. This item is case # XXXX. XXXX and XXXX removed this item after the investigation. Equifax refuses to remove the item. I have attanched a court look up of the file number and the response from Equifax. I have also contacted the courts to ask about the item, but it does n't exist. Please contact Equifax to have this item removed from my file. This is against my consumer rights and is an illegal act. Thank you.
Product: Checking or savings account

I was in the XXXX  and I had relocated and that I didn't receive most of the pandemic unemployment benefits, and was denied. The claim account number ( XXXX ) I had received this notice stating that my issue was resolved. Bank of America did not Show me any proof of how this was determined, or let me know what I can do to further proceed. I am a XXXX XXXX that has and is being taken advantage of by this Bank. I had received this notice on XX/XX/2023 I also had contacted the XXXX, CA. Police Department to file a report pertaining my situation. I had other complaints but can not locate documents. So as of now I'll proceed with this one. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not allowing me to dispute incorrect information on my credit report. Under the Fair Credit Reporting Act Experian is required to investigate disputes and not just allow a debt buyer to just provide information without a thorough review. Specifically, theres a collection account on my report from XXXX XXXX XXXX. that is listed as a personal account with XXXX and a joint account with Experian. 

This account should be deleted as it has not been investigated or verified by a person.
Product: Debt collection

THIS IS BEING REPORTED AS A NEW DEBT I HAVEN'T BEEN TO XXXX HOSPITAL IN MANY MANY YEARS. I HAVE WROTE LETTERS TO THEM FOR DOCUMENTATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( c ) breach of my privacy rights I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a serious violation of the Fair Credit Reporting Act Section XXXX ( c ) and a serious breach of my privacy rights 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