23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX U.S. BANK : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXXXXXX XXXX : DENIED A CREDIT CARD/LINE OF CREDIT XX/XX/XXXX XXXXXXXX XXXX XXXX : DENIED A CLI XX/XX/XXXX US BANCORP : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXX XXXX : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXX XXXX XXXX XXXX : I DO NOT RECOGNIZE THIS INQUIRY. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX A CREDIT CARD
Product: Credit reporting or other personal consumer reports

Capital One has reported different time incorrect information that is false, deceptive and misleading on my credit report. Furnishing inaccurate information to the Credit Report Agency ( CRA ) is prohibited. This is a violation of many of my rights and have gotten XXXX  due to this.
Product: Credit reporting or other personal consumer reports

Issue : Inaccurate credit report information for XXXXXXXX XXXX XXXX account. 
Details : The current balance and date of last entry on the Experian credit report were incorrect. A payment was made, but it was not reflected accurately on the report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Mortgage

Dear Sirs, I use my XXXX checking Bill Pay service to automatically pay my monthly bills. When you bought my mortage from PHH there had never been any problem with on time payments. Several months after you acquired my mortage I received a notice that I was overdue on my payment. I immediately contacted my bank and they had sent the check for {$1100.00} on XX/XX/18 but it had never been cashed. I was told it was never received by someone at Loan Care. I had my bank stop payment on the check and also immediately issue a check ( or credit card ) for {$2100.00} on XX/XX/18 to bring my account current. They also sent you a check for my regular payment of {$1100.00} on XX/XX/18. The person I talked to at Loan Care said they would remove the late fee since you lost the check. Someone " found '' the check and attempted to cash it. 

On XX/XX/18 I was sent a letter stating I had a {$25.00} fee because of a returned check from my bank. This was the check you claimed you had never received that I stopped payment on because you claimed it was " lost '' and in spite of the fact I had made a double payment and my account was current. 

I talked with XXXX ( XXXX ) about my complaint and asked that the {$25.00} return check charge be removed. She said she had no authority to remove the charge. I asked that my mortage be transferred back to PHH. She said that could not be done and that I was required to write this letter to you. I am very unhappy with your company and your lack of professionalism. Mine is a VA loan and I will be filing a complaint with the VA. Please remove the {$25.00} return fee and have my mortage transferred back to PHH. 

overcharge on XXXX # # # # # # # XXXX Loan CareXXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Section 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXXXXXX XXXX {$6200.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$3100.00}
Product: Debt collection

Quall Cardot is a debt collection agency parading themselves as a law firm that apparetly has the ability to take money from me that I have in a checking account to use as they see fit. 

I had {$3400.00} taken from a bank account that I needed to pay my rent, taxes, and other obligations. This collection agency took my money without my consent, or providing me with notification ahead of time. They said they were unwilling to work with me on a payment plan regarding the {$3400.00} -- however, they would be willing to set up a payment plan for other obligations I have. This company would not tell me when, how, or how much money I owed -- but they said there was absolutely no way I would ever get the {$3400.00} they already took back from me.
Product: Debt collection

My credit was stolen and used in a different state last year. 
I had a XXXX XXXX credit card and been with them over 10 years. Never missed a payment. Always in good standing state. 

Then my card got stolen and some one from different state used it and purchased over XXXX $ worth of items. 

I did what everyone else would which calling the bank immediately but they messed up my report and filed it as dispute then months later they denied it and told me I should of filed it as fraud even tho I have told them it was fraud. 

This been going back and forth for a year now. 
XXXX decided to close down my account and report it to collection agency. 
I simply cant do this with XXXX XXXX anymore, this is not a good way treating a customer who been with them for ages without having a single issue. 
I need help fixing this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).
Product: Mortgage

The loan servicer Compu-Link nor HUD do not reply to phone calls, emails or certified letters. The reverse mortgage holder died XX/XX/2023 and there have been no instructions from the servicer. As the trustee of the property I must have direction in order to proceed.
Product: Credit reporting or other personal consumer reports

kovo inc was charging an additional {$10.00} to the {$10.00} fee they said you would pay per month on your credit building account. I closed my account because they would not fix this issue. i dont see why this is a bad thing on my end. even when i closed the account they still tried to charge me.
Product: Checking or savings account

Thursday XX/XX/2023 someone hacked my Wells Fargo account and did 3 unauthorized transactions XXXX XXXX and another XXXX charge my account is in negative now and all my bills have overdrafts my account. I called Wells Fargo immediately and told them to dispute fraud. Nothing has changed. I'm going to accumulate so many charges because of this and I don't know who transfered money out of my account for those large amounts you can even look at my transaction history and see that I have never did that big of transactions back to back before and never submitted a fraud claim to Wells Fargo before either. This is crazy.
Product: Debt collection

I have a credit card with Barclays - Wyndham rewards Visa card. I called them on XX/XX/XXXX to let them know I was going through a difficult financial situation. I asked them to lower my minimum monthly payment. On XX/XX/XXXX, they let me know my payment plan was approved under the name " XXXX XXXX XXXX, '' my new payment will be a {$190.00} minimum payment on the XXXX of every month. I made the first payment under this plan on XX/XX/XXXX. Since that date, I have been paying {$190.00} every XXXX of the month. However, they have been acting weird since then. At the beginning of XXXX, they called me and said I had to make the monthly payment, but I explained that I was in an XXXX payment plan. They told me my plan was canceled for lack of payment, although my payment was not due until almost the end of the month. They told me they would re-activate the payment plan again to start over. I didn't know why they did that, and it was a bizarre situation. Since XXXX, they have been reporting my account to the credit bureaus, so I have received emails saying my Barclays account has been impacted negatively. They have been calling since then repeatedly, almost every single day every month, to remind me about my payment. In the last XXXX months, I told them I already had a payment plan, but they said they didn't see it in their system, so after checking for a few minutes, they told me they found the info. Every time they call me, I answer the phone, but the call hangs up. I feel like this company is doing something wrong, and they are harassing me with their phone calls or hanging up every time I answer. I don't feel it is fair to keep paying a company that doesn't respect their terms, ignoring what was agreed, and harassing customers with phone calls for no reason. I ask you to investigate and help me with this situation since I am doing what is right, but they are acting abusively against me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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, credit repair services, or other personal consumer reports

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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, credit repair services, or other personal consumer reports

Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

My employer is XXXX XXXX and my direct deposit from part of my paycheck was supposed to go into a Charles Schwab bank account ending in XXXX on XX/XX/23. No other deposits were impacted before or after. I regularly got {$100.00} into my bank account with no issues. My employer provided me the trace number of XXXX and XXXX came back and said they found nothing with that trace number. My money disappeared and I feel like someone stole from me. I want my money and I can provide statements, paystubs and other proof that this money should be there. I been dealing with both my employer and Schwab for almost XXXX  months with this issue. There has only been finger pointing and no resolulion.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been compromised and used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : 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 card or prepaid card

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC 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 In accordance with the Fair Credit Reporting Act. Equifax, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction. 15 U.S.C 1666 B : A creditor may not treat a payment on a credit account under an open end consumer plan late for any reason. 



Sincerely,
Product: Credit card

Please do not call. Email communication only. 

Capital One is refusing the filing of an online dispute on Savor Card. 

Capital One XXXX  chat refuses to assist in filing dispute on Savor Card Capital One when calling with relay operator gets hung up on because the automated system does not have a bypass that works. 

Capital One can not produce a guide for the automated system. 

Capital One does not have secure email. 

Capital One used to have secure email online. 

Capital One has the capability of sending secure emails directly. 

Why is Capital one able to discriminate against the XXXX. 

This is with all divisions. Credit, bank, auto, and credit. 

Discrimination is not tolerated and being refused a dispute is not acceptable. 

I dont understand why Capital One feels that the above is acceptable.
Product: Debt collection

On  XX/XX/XXXX , I checked my credit scores from  XXXX ,  XXXX , and  XXXX  in order to obtain refinance for our mortgage loan. My credit scores with all   XXXX   (   XXXX   ) credit bureaus were low due to   XXXX   XXXX   XXXX   and their 'third party collection agency, '' ERC.   XXXX   XXXX   XXXX   had referred my account in the amount of {$160.00} to the collection agency ERC. I had filed a complaint with Better Business Bureau against   XXXX   XXXX   XXXX   regarding my cell phone billing. My complaint is based upon cancelling my services due to poor coverage, making monthly payments, and billing from their third party ERC, collection agency. Prior to that, I had an old account with   XXXX   XXXX   XXXX   then when I signed up again it went to another account. I spoke to   XXXX   XXXX   XXXX  , Manager Executive Response regarding the billing problem on  XX/XX/XXXX . As he had indicated on the BBB response that part of the payments paid off the balance on that account and the overpayment was refunded. There was a credit balance on the account that he transferred to the account in question. I had mentioned about the refund. Subsequently, as consumer I rebutted to the business response.   XXXX   XXXX   XXXX   response that I work with the third party collection agency to settle the balance. On  XX/XX/XXXX , I contacted   XXXX   XXXX   XXXX   third party collection agency, ERC, to settle the account. I talked to   XXXX   XXXX  , ERC representative and the settlement owed is {$81.00}. We discussed settlement payments for  XX/XX/XXXX  in the amount of {$40.00} and  XX/XX/XXXX , {$41.00}. ERC attempted to charge me {$28.00} in order to initiate this transaction, which I was not willing to pay, then offered me {$8.00}, and again {$2.00}. As per my phonecon with   XXXX   XXXX  , I told him to waiver it since I am a  XXXX  veteran,   XXXX   XXXX   XXXX   and living on a fixed income.   XXXX   XXXX   XXXX   hired ERC, third party to collect a debt which drastically affected my credit scores and prevented me from refinancing my mortgage, obtaining a loan, or purchase a brand new vehicle. This is totally unfair and it appears on my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting that you remove the following items off ofm y Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX, IN XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 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  In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand immediate correction of grossly inaccurate and damaging information contained within my credit report. Under the auspices of the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( A ), I demand an urgent investigation into the following accounts :