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

My credit card, Capital One Mastercard, periodically restricts my account which causes me hardship. They claim that when they do this, it is because of suspicious activity in the account, but, when I call them they can never tell me what the " suspicious activity '' is. My card is presently restricted, paid and up to date. I have never missed a payment or been late. I have emailed my complaint to the CEO 2 times and he didn't respond. They have accepted payment during times of restriction as well, as recently as this week. I do not want my account monitored by Capital One. They are also refusing to accept my change of address without a drivers license, which I can't understand, and I refuse to provide, as I have not updated my drivers license ... They let their customers update their addresses on the XXXX website, but, for some reason which I don't know, they are refusing to let me do this ... Please help
Product: Debt collection

Ive contacted affirm numerous times about debts that are already paid!! When I contacted somebody at the executive office they gave my information to a supervisor who then contacted my sister. She gave CONFIDENTIAL information out!! They are discriminatory and unhelpful!!
Product: Mortgage

When I closed on the mortgage in XX/XX/2021 The closing sheet provided by the loan closing officer was that I was paying XXXX and some change for Mortgage payment Property taxes And home owners insurance I was responsible for paying out of pocket for Hoa fees Earthquake Flood insurance I have XXXX insurance and I have a bundle insurance policy Auto and homeowners Since the close of XXXX. I was under the impression my home owners had been paid by the escrow account. It hadn't. Bank of america had not sent a single check to them. 

Instead, now the payments I sent to XXXX that were intended for my auto flood and earthquake ( 3rd party ) were being applied to also cover some of the homeowners insurance. Throwing off my payments. 

As a result of bank of america not sending out payment it has thrown off how my payments are being applied. In XXXX XXXX sent me a bill for pending cancelation of home owners which is when I became aware of the issue and informed bank of america. I submitted several times the homeowners insurance bill and it's now XX/XX/2021. They were aware since XX/XX/XXXX and I have have called several times since then. 

I told bank of america to send out a payment to XXXX for homeowners. It's still not done and I am risking cancelation of both policies because they are bundled. 

Bank of america keeps asking the same questions when I complain. They are not working on a resolution. It's frustrating since I pay on time every month on time.
Product: Money transfer, virtual currency, or money service

I was due to be paid via direct deposit on XX/XX/. Chase Bank has continually said they do not know when the funds will be posted to my account. I have chased them everyday since Friday XX/XX/, it is now XX/XX/ and no one from Chase Bank can give an estimated date of when the funds will be posted to my checking account. They also have not once reached out to me via email or text to update me as to the status of my numerous enquiries. Chase Bank instructed me to visit a bank branch if I am charged late fees on bills due. This will affect my credit score as well. I am very disheartened and will close my account with Chase Bank, after being a customer for 30 years, for their complete unaccountability and lack of any proactive steps.
Product: Credit reporting or other personal consumer reports

The XXXX entry on my credit report has been discharged for a period longer than the legally allowed time for such entries to remain This outdated and incorrect information is negatively affecting my creditworthiness.I request The immediate removal of this entry to insure my credit report is accurate and fair
Product: Credit reporting or other personal consumer reports

Upon reviewing your consumers report I found multiple accounts listed that do not belong to me. I do not know who these companies are that's reporting nor do have I given anyone my personal information. Here are the accounts listed below : XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXl- {$5700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXl- {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Bal- {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Bal- {$2500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Bal- {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$640.00} XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I requested a credit line increase which shouldn't have resulted in a hard inquiry because I already had an established line of credit with updated financial information and everything US Bank needed was provided by soft credit check. 

The bank web page is very misleading and unethical. it leads you to credit request increase link and you don't fill out any information and it automatically does a hard credit pull on your account! I tried to reach out to them to revert that and ask the credit bureau to remove it but they declined citing a piece of paper they sent me when I signed up for the credit card years ago?
Product: Debt collection

I've reached out to affirm numerous times about these debts on my credit report that do not belong to me ie XXXX, XXXX, and I believe there are 2 more that do not belong to me. I have one actual account with Affirm which was paid on time every month and in full and I keep asking for validation of this debt that keeps reporting on my report with no follow up I have been sending letters since the beginning of the pandemic about a year ago if they will not validate my debt I would like it removed from my report it is bringing down my score & livelihood.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX. I was given a credit for some of the charges and others were denied without explanation. Because of these charges I have been charged over XXXX dollars in fees which has led to me being charged more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans union credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied Trans union with documentation from the company, by the name of   XXXX   XXXX   XXXX  . I submitted to Trans Union a letter that stated they are not able to provide proof of debt because they have no records of me on file. Trans union has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to Trans Union as well as submitted to them all correspondence letters between my self as well as   XXXX   XXXX  . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX .2017 and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.
Product: Mortgage

two loans from TCF bank were not paid and they showed no consideration for a senior during a pandemic covid 19. 
and trying to take the home and will not accept a reduced pay off or reinstatement
Product: Money transfer, virtual currency, or money service

I received a letter at my home address that I opened a credit card under PayPal with an available credit of {$2000.00}. I called PayPal on XX/XX/2020 and notified them this was an act of fraud. They canceled the card. There was an email attached to this act that is not mine and I do not have access to. About a week prior I received a card in the mail from XXXX that I did not apply for. I also saw transactions on my debit card from XXXX that I did not complete. I called my bank and they credited my account and sent me a new card in the mail.
Product: Credit reporting or other personal consumer reports

I am a victim of credit theft and discovered fraudulent accounts on my credit report. I promptly requested that these accounts be removed by the credit bureaus. However, while some credit bureaus removed the fraudulent accounts, others did not. Some bureaus did not conduct a proper investigation or reach out to the credit card issuers to verify the fraud. This inconsistent handling has left some fraudulent accounts active on certain reports, negatively impacting my credit score and financial standing.

I have taken the following actions : Contacted each credit bureau to dispute the fraudulent accounts.

Sent documentation proving the theft and requesting removal.

Attempted to follow up on the investigation, yet some bureaus failed to provide updates or communicate with the credit card companies involved.

The unresolved accounts are impacting my credit score and limiting my ability to access credit and other financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that your company supplied to me. It's also different than what is currently being reported by XXXX and XXXX credit reports. 

These two items ( 1 ) XXXX XXXX XXXX and ( 2 ) XXXX XXXX does now belong to me and is fraud. I have included the FTC report. I have also included a copy of my credit report from Experian, XXXX and XXXX. You will notice that only Experian is reporting these accounts and also reporting I have a bankruptcy on the XXXX XXXX XXXX account. 

I'm requesting to have these accounts removed asap as these accounts do not belong to me and I have never had a bankruptcy. I have included a report from XXXX XXXX that shows I've never had a bankruptcy. 

Enclosed are copies of my credit report and other documents like my id and address. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete this asap. 

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX 

Account name : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 it was XXXX off my Unempolment card. From atm in XXXX XXXX Texas. When I was in my bed in XXXX XXXX. I call the card. Company telling my card with me. Someone have duplicate Card and be use it In Texas at ATM. But I feel like know stealing my identity. How can I or yall can stop him this man. File taxes in my name. And everything, but the company send some paperwork I have to send to get my money back but is that a big crime because they stole money funds I get from the state huh.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for their continued reporting of inaccurate information on my credit report regarding an auto installment loan with [ XXXX XXXX XXXX ], account number [ XXXX ]. I have not made a payment on this loan since XX/XX/year>2018 According to federal guidelines set by the Office of the Comptroller of the Currency ( OCC ), creditors are required to charge off an auto installment loan after 120 days of delinquency. Despite this, XXXX and Experian are still reporting late payments on this account instead of removing the inaccurate information and correctly listing it as charged off. 

The actions of XXXX and Experian constitute potential violations of the Fair Credit Reporting Act ( FCRA ) due to the following reasons : 1. Charge-Off Requirement : As per OCC guidelines, the creditor should have charged off the account after 120 days of delinquency. Reporting the account as merely late, rather than charged off, is a failure to comply with these guidelines. 
2. Incorrect Reporting : XXXX  and Experians continued reporting of late payments instead of a charge-off represents inaccurate credit reporting, which is a violation of the FCRA. The FCRA requires that information provided to credit reporting agencies be accurate and up to date. 
3. Potential Violations : OCC Guidelines : Failure to charge off the account after 120 days of delinquency. 
FCRA : Inaccurate reporting of my payment history. 

I have previously contacted XXXX and Experian to dispute these inaccuracies and provided documentation of my last payment date. Despite this, they continue to report the account inaccurately and refuse to correct the information on my credit report. 

I request the CFPBs assistance in ensuring that XXXX and Experian comply with federal guidelines and remove the inaccurate information from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : 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: Debt collection

There is a company called XXXX XXXX that I believe stole my identity and sent my information to a debt collection agency called Hunter Warfield in the amount of {$10000.00}. I do not know why they use my information it I have no relations to both companies and would like to get that debt removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

This collector is trying to collect on a debt that was settled last year. I had already filed a complaint with the CFPB regarding this account, and all XXXX did was sell my info/this debt to another agency when this was already settled ( CFPB Complaint Number - XXXX ) Now they are harassing me and calling my spouse 's number XXXX times a day. 

I've already notified them that this debt was settled last year in XXXX, and not only that, it was settled, but they purchased debt from XXXX that has already been dealt with! 

They are already breaking XXXX compliance and now threatening with more BS fees over something that has been taken care of ( refer to the other complaint number with CFPB ) This needs to be reported to the FTC for all these spam calls, and I notified them of XXXX not contact me again, only for them to text me links to make a payment.
Product: Credit reporting or other personal consumer reports

Someone has been using my social security number to apply for credit. While it doesn't appear that they have successfully used my credit to gain a loan or credit card, they have added 13 inquiries to my credit report on TransUnion and XXXX. These inquiries range from XXXX to XXXX of this year. XXXX did investigate and removed all of these inquiries, but TransUnion is not being helpful at all.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$2500.00}, XXXX. XXXX XXXX XXXX. {$1500.00}, XXXX XXXX XXXX {$6200.00}, XXXX. XXXX XXXX. {$3500.00}. THE FOLOWING INQUIRES ARE UNAUTHORIZED. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Mortgage

They would not modify my XXXX mortgage under the HAMP program even though I modified my XXXX mortgage with XXXX and made unlawful threats to me by stating they would arrest me, seize my property, garnishment of wages, and foreclosure, and used loud and abusive language, mocking my financial struggles, and yelling and cursing at me. They also added insurance to my account and told me they would not allow monthly payments and wanted the entire balance up front. The company also revealed debts to my employer, neighbors, and family members, and encouraged them to tell me to pay the debt or help them pay it.
Product: Credit reporting or other personal consumer reports

I have been disputing the following for almost the last year. The reality is that this whole situation has filled me with anguish and has affected and continues to affect my entire financial life. 

The first of these accounts is XXXX XXXX with the account number XXXX. If we compare the data of this account with the Payment History, there are things that do not match, for example the Last Payment Made XX/XX/XXXX is incorrect. The Date closed XX/XX/XXXX is also incorrect. There is also missing information in the Payment History. The Balance, Past Due, Ammount Paid, Remarks from the Open Date to today 's date have never been documented. I wonder if this is 100 percent accurate. According to the FCRA, this account should not be present in the report. If it is going to be kept in the report, then tell me why, since it is inaccurate, it should be kept in the report.
Product: Credit reporting or other personal consumer reports

Vehicle was a total loss and insurance company and Gap insurance paid off what I had seen on XXXX XXXX XXXX  website there was XXXX Dollars due. 
3 months later I got a phone call from lender stating there was still a outstanding balance on loan. 

I told them I have never made a payment late and was not aware of any outstanding due and on the website shows nothing was due. 
I needed a few weeks to come up with the money and was told I would not have a negative remark on my credit report After paying amount in full MY CREDIT REPORT SHOWS CHARGE OFF PAID IN FULL. 

I DISAGREE WITH THAT ON MY CREDIT REPORT I PAID IT IN FULL
Product: Credit card or prepaid card

I received a XXXX Statement from my Capital One Savor Card which indicated a balance of {$2900.00} due on XX/XX/XXXX. On the statement itself it clearly indicated as the balance subject to interest being 0.00 % apr as I was in a promotional period. I knew my promotion would end soon so I wanted to pay the entire balance before the due date which I did on XX/XX/XXXX. I then received my XXXX statement with an interest charge on my zero balance of {$28.00}. 

I called the company and was on the phone with them for 45 minutes and they were unable to correct the incorrect charge. I closed all my credit cards with capital one bank as I can not continue to due business with a company that would not honor their own promotions and their own statements.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally report that I am a data breach victim and have discovered fraudulent accounts on my credit report that I did not authorize or open. These accounts are erroneous and do not belong to me. On my credit report, the payments are all bad from the first month. XXXX {$3300.00}, XXXX {$2000.00}, XXXX {$1800.00}. According to 15 USC 1681c-2 ( a ), I kindly request that all accounts associated with this fraudulent activity be immediately blocked and deleted from my credit file. For your reference, I have attached supporting documentation. Please confirm once these accounts have been removed and provide me with an updated copy of my credit report. Should you require any additional information, please contact me at XXXX or by replying to this email. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX/VT XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.