23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I made a complaint against Capital One for XXXX credit cards that I do not owe. I asked for validation and also sent an Affidavit of Truth and Cease and Desist. In the Affidavit of Truth I pointed out multiple violations Capital One has made against me in which they are Criminally responsible. I included an invoice for {$10000.00} for the violation of these federally protected laws. Capital One failed to respond to my Affidavit with an Affidavit. An Affidavit un-rebutted stands as truth. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. XXXX XXXX v XXXX, 108 F. Supp. 327 Federal case of XXXX v XXXX, XXXX XXXX XXXX. XXXX ]. Also see ; affidavit uncontested unrebutted unanswered [ United States v. XXXX, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Capital One has failed to rebut my Affidavit and therefore has Defaulted. I have sent Capital One a Notice of Default and Opportunity to Cure on XX/XX/XXXX. In this complaint I will attach original correspondence as well as Capital One 's response, and my reply to their response.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXXXXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not my address nor have I ever lived in XXXX XXXX Ca Incorrect information on y credit report that is not mine and another address Experian came up with that has never been my address. 

Experian incorrect gather information not my address.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I informed Cash App that I had gotten my account stolen and someone had sent {$140.00} to themselves and tried to get my money back and they refused it. I can insert a screenshot of the refused dispute. They have done this multiple times with multiple things, but that was the most money they had ever refused me.
Product: Credit reporting or other personal consumer reports

I had a bank account with Nevada State Bank. In XXXX of 2019 the manager of the branch told me that I could not have any auto pays in my account. I had some come thru with non sufficient funds but I paid all of my fees. I only owed less then {$100.00} in NSF FEES, but Nevada State bank charged med a daily rate of {$8.00} then NSF fees on top of that & before I knew what was going on in XXXX they said I owed over {$700.00}. I was so angry. I paid it. Closed my account & opened an acct with XXXX XXXX XXXX. Now on my credit report it says that they gave me a personal loan of {$1000.00} on XX/XX/2019. That is a blatant lie. I never obtained a loan. I was never notified that I had a loan or owed payments. When I called they said I owed another {$700.00} in bank fees. For what? My account was closed. They have destroyed my credit saying I defaulted on a secured loan they never gave me. The manager, Of that XXXX Nv XXXX, XXXX was angry that I was closing my account. She was treating me like a child saying I couldnt have auto pay which would mean I would pay more for car insurance, ect. Fraudulent bank fees arent a loan. I was never sent a notice or anything regarding this amount. I asked them to give me the loan documents that state I procured a loan, or any paperwork work regardless this matter. They refused because they have none. I need your help. I need this removed from my credit. A loan is a sum of money given to a person, this personal loan. They never gave, loaned me money. They charged my closed account fees then called it a loan without notifying me or billing me. This is all fraudulent,
Product: Checking or savings account

Chase Bank is not a 24hr bank. They are closed on holidays and they close after a certain time on certain days like Sunday. XXXX XXXX XXXX chase locked me from my account. They were closed and I had no access to my funds nor was I able to reach a representative. My funds were on hold for 4 days because they were close and there was no one to speak to. This is illegal and these banks are getting away with it. You cant block people from their account and not be accessible. 
Chase Bank keeps purposely preventing me access to my funds. If I send a XXXX payment they purposely deny my XXXX transactions, locks me out of my accounts and then keeps my funds on hold without any explanation. I deposit my work checks and they dont give me a clear date. They clear it when they want and I cant get an explanation from no one.
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that i don't recognize there are from : XXXX XXXX   I on XX/XX/2018 XXXX on XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 CAPITAL ONE XX/XX/2018 XXXX XXXX  XX/XX/2018
Product: Debt collection

Credit World had placed a account on my XXXX report and according to Credit World has made five attempts at getting this account removed as it has been discharged in bankruptcy. Credit World it is negligence on XXXX XXXX part that it has not been removed efforts according to Creit World began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY
Product: Credit card or prepaid card

I bought a Vanilla gift card for {$500.00} and when I tried to use the card online, it was declined. The phone customer support people couldn't fix the problem and said they'd send a refund check. I emailed them all the required documents to XXXX. It's been a week and they still haven't responded after sending several follow-up emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX contacted Santander Consumer USA on my credit report reading ( 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem
Product: Credit card or prepaid card

American Express did not allow me to set up an auto pay for this corporate account and proceeded to send me generic emails review your statement non stop so those emails really were like spam. I dont travel that much and I racked up {$200.00} in a month and thought I paid it off but didnt. I didnt get notified that I had a late charge and they charged me {$39.00} late fee OUT of {$200.00} and didnt notify fee of that late charge and then charged it again ( another {$39.00} ). I have strong credit and have everything in my life on auto pay. Then when I called, they were unwilling to waive any of the fees and then when I asked to cancel the card, they said they couldnt do that my administrator at my company had to do it. When I asked who that was they said they couldnt tell me. It is interesting that American Express charges the highest interchange fee and still gouges the consumer on fees. I am very upset at these practices and dont want them doing this to other consumers ( ripping them off and then not allowing them to cancel the card ).
Product: Credit reporting or other personal consumer reports

This company is exposing my personal private informations to non family members and calling all my family members without my consent. This company attached my personal information and furnish bureaus to someones credit profile and is reporting the inaccuracies to my credit as well. They have XXXX harassed my immediate family via phone and leaving voicemail messages with my name, address, work phone, and my private cell phone on voicemail to a number that has never been associate with me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.
Product: Checking or savings account

I wrote a check ( XXXX ) to the NYS Department of Health {$30.00} for certified marriage certificate. See attached check image given by XXXX. {$30.00} dollers were debited from my account against my check. NYS DOH audit has not confirmed receipt of my payment to date. XXXX XXXX  issued a check image with missing information. The image provided by XXXX XXXX  shows a JP Morgan stamp with a hand written account number. There is no other information to show date and time of deposit, no payee account number or identification and my account number as payer is missing? I want JP Morgan to provide the missing information or an explanation why my check was not deposited into NYS DOH account?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors on THREE different accounts for Midland Credit Management. One of the accounts is past 7 years and should be taken off my report. The other two accounts have a few errors with balances and open/close dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Product: Debt collection

I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the sixth time I am filing a complaint for this issue and it has not been resolved. Pursuant to 15 U.S. Code 1681o, this is now negligent noncompliance and Equifax is liable to compensate me in an amount equal to the sum of actual damages done to me. In addition, I have filed a complaint with the Office of the Comptroller of the Currency as a result of the noncompliance of Equifax to remove the inquiry and the negligence and noncompliance of not yet providing me with monetary remedy. Please remove this inquiry off of my credit report and compensate me. Pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640, Equifax is liable to compensate me for the abusive and deceptive practices exercised as well as the damages done to me. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please remove the inquiry and compensate me for the damages done.
Product: Mortgage

XXXX XXXX XXXX XXXX removed my Homestead Deduction retroactively instead of giving me a Senior Citizen Tax Credit which was XXXX XXXX mistake so they sent my original mortgage co. XXXX XXXX XXXX  ( XXXX XXXX the bill for over $ XXXX -- in the middle of this they sold the mortgage to Nationstar ( aka Mr. Cooper ) I advised both companies not to pay the amount that XXXX was resolving the issue. XXXX did resolve and then XXXX took months to finally ask XXXX for the money back ( as they said I had to do it which is not true ). Finally XXXX got the money back and then took forever to send it back to Nationstar. Nationstar claimed they didn't have over a month after XXXX sent them the money via wire transfer. Even though I had the documentation from XXXX that XXXX  was resolving the issue and not to increase my escrow- Nationstar was still increasing my payment over and above what it should have been and reporting me as late to the credit bureaus. Nationstar first sent me a revised Escrow statement and refund and then refused payment on their check causing my bank balance to now be negative! Now Nationstar has taken my Escrow overpayment and instead of refunding it to me they applied it to the principal without my authorization. Also I have asked 3 times to cancel the escrow because they are playing with the numbers and they claim it takes 16 to 18 days which it has already been weeks since my first request. My loan balance is only 60 % of the home value and I have a right to cancel the escrow, further I never asked for them to take the escrow overpayment and apply it to the principal and they need to correct the late reporting. I have been asking for things to be resolved since XX/XX/ 2024! I have attached numerous documents that prove this. Please help me.
Product: Credit card

On XX/XX/24 I was in the process of booking XXXX flights on XXXX XXXX. 

Citi advertises on the XXXX XXXX site a partnered credit card a Citi Advantage card which offers a {$400.00} statement credit when used, reducing the cost of the flight to be booked. 

I applied through the link accessible on the XXXX XXXX site, through the booking process. 

The application was approved. I was offered a credit line of {$24000.00}. I was asked to set up a user name and password for online access. I did so and a username and PW was created. The final step was to click to obtain account details such that I could use the card to book the flights and access 10 % of the credit promised. 

The site failed to proceed or do so. I can not access the account via Citi 's website with the credentials that were set up. I can not access the card information via phone nor via chat. 

My credit was pulled as I received numerous alerts of same. 

So, I am now : Without the credit line I was promised. 
Missing the {$400.00} reduction in the cost of the tickets ( {$1700.00} ) I would be entitled to had the credit card proceeded as promised. 
Missing the " points '' or miles which would be awarded for a {$1700.00} purchase. 
Missing the opportunity for the qualifying purchase for any card bonus ( I.e. minimum spending to obtain the bonus by way of missing out on the {$1700.00} purchase. ) Citi is unable to do anything and can not even expedite a physical card. They similarly can not provide access to my account online nor via phone. 

If I delay purchasing the ticket, I risk the ticket price increasing further, further increasing the damage I am suffering due to Citi 's failure to operate properly.
Product: Debt collection

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( XXXX, XXXX, and XXXX ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, XXXX and Equifax, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Product: Mortgage

I am having difficulty with this company saying that I do not have hazard insurance. After my last complaint, they have changed the claim and said that I do not have flood insurance. Prior to this, the company had never asked me to get flood insurance. However, I did go out and purchase {>= $1,000,000} worth of flood insurance. The purpose of this complaint is to ensure that the company admits that I have bought this flood insurance and reanalyze my mortgage amount to reflect the removal of the forced placed flood insurance that I bought. 

I faxed in proof of this insurance on or around XX/XX/2022. In addition, I am uploading a copy of the declaration page and insurance material with the complaint. 

I file this complaint, as the executor of the estate of XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft, i have no knowledge of the accounts attached.
Product: Credit reporting or other personal consumer reports

Despite many attempts to resolve these matters directly with the bureaus for more than a year now, the errors persist on my credit reports, causing harm to my credit. Accounts disputed previously and has been reported as " accurate '' and " verified '' yet the accounts report varying information between the reporting agencies. This is a violation of Fair Credit Reporting Act. Any information found to be inaccurate or incomplete or can not be verified the agency shall promptly delete that item of information from the file of the consumer. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. I request the immediate removal of these accounts. Ensure these files are TRUE, ACCURATE reflection of account. All furnished information must be a complete and accurate without error and complaint with guidelines. Accounts showing inaccuracy must be removed. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX also reported as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also reported as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a problem with Navy Federal for denying me for getting a second pledge loan in my name. Now my credit score dropped for inaccurate credit reporting.