23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with Experian regarding my personal information. I requested the removal of an incorrect address from my credit report due to inaccuracy. To support my request, I provided my correct address along with a copy of my drivers license and a utility bill. However, I received an email stating that the address had been updated rather than removed because additional supporting documents were needed, despite the fact that I had already provided them. I have not been successful in uploading the documents to the website as well. The FCRA The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) is the federal law that governs credit reporting agencies and requires them to remove inaccurate or unverifiable information from a consumers credit report. Please removed the disputed information from my credit report. Report number XXXX
Product: Student loan

I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. 
Since then the loan has been bought and sold by several other companies. 
I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Accounts from Credit Report To Whom It May Concern, I am writing to dispute the inclusion of the following accounts on my credit report, as they are the result of fraud. These accounts were opened while I was incarcerated and unable to engage in any financial activity. 

The fraudulent accounts in question are : XXXX XXXX XXXX XXXX : {$200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX : {$140.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$1000.00} Opened : XX/XX/XXXX I am requesting the immediate removal of these accounts from my credit report, as they were opened without my authorization.
Product: Credit card or prepaid card

I had this Capital one Credit Card since XX/XX/XXXX, I reported one of the transaction as fraudulent which happened way back in XX/XX/XXXX. I reported this on XX/XX/XXXX, the agent said it will take 30 days to investigate the matter, yesterday I received a Letter from Capital one which said " dispute has been resolved in my favor and the credit of {$450.00} will be applied in my Credit card Account '' ( See the copy of the letter attached ). 

See how deceiving Capital one bank is ... 

Instead of sending me a check they applied to my credit card Account which was closed way back in XX/XX/XXXX, I do n't owe any money to Capital one as I had a settlement with the Bank, I had to make three payments of {$350.00} and that was it ( see the settlement agreement I had with XXXX XXXX, XXXX XXXX XXXX XXXX, attorney of capital one - attached ) When I called the customer care, I was told that I had a balance of {$1100.00} on the credit card and this {$450.00} will be applied to it. Now, what the XXXX? 

why would I in first place, put a charge as fraudulent when I am not going to receive it? Why I had to fight for it when I got nothing out of it? why the customer service agent told me when I was disputing the charge that I am not going to get it. 

What is the meaning of having a settlement with the bank when you still owe to the Bank? 

I can not access my Capital account online, Capital one has blocked it, so how can I see what is applied and what not? 
From XX/XX/XXXX since I had settlement with the Capital One Credit card, I have n't got a single statement from them telling me I still owe to the Bank. 

I spoke with " XXXX '' ( Employee ID - XXXX ) in the fraud department of Capital one yesterday and she said from now on Capital one delinquency will not be visible on my credit ( XXXX, XXXX, etc ), Now Mam, it is not visible from XX/XX/XXXX, so what are you talking about, you are not saying something new. 

I had issue with capital one before too and reported it to this website, I got a call from " XXXX '' from Capital one executive office, now, whenever I call her back on " XXXX XXXX XXXX XXXX '' it goes on voicemail and she does n't responds, I would like the consumer finance to take a strict action against this company, recover my money and punish them to the fullest extent of the law.
Product: Mortgage

I have a mortgage loan with the Selene finance company, I have paid my installments on time, but they have lost an installment that corresponds to the month of XX/XX/2022. I paid my XXXX installment on XX/XX/2022, for XXXX and that of XX/XX/2022 on XX/XX/2022. My credit changed company, from XXXX XXXX to Selene finance. I have communicated both by phone and by email and they have not given me a solution because they say that the payment does not exist and that I must solve it with the other company, that is, XXXX XXXX but they say no because I no longer have credit with them. I have been waiting for an answer for 14 months and they have not given me a solution and my credit appears in default
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these inquiries were placed on my consumer reports. I do not wish to disclose such information on my reports as I did not give consent for these hard inquires to be placed on any of my consumer reports. Thank you for understanding. Below are the inquiries I wish to be removed from all consumer reporting agencies as soon as possible. I am aware that in order for anything to be furnished on my consumer report you must have my consent, in which at this time I DO NOT GIVE YOUR COMPANY CONSENT TO FURNISH ANY INFORMATION about me. 
XXXX XXXX. XXXXXXXX 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: Student loan

Hello, My student has sold my student loans to a private collections company, and they are constantly calling me at my job and at work. They are putting me at risk at losing my job because they are calling me there. Also, I am not sure who is the primary holder of the loan. I ask them for paper work of when the loan documents were sign and they have not forward this to me. I am unable to pay it as I have XXXX child, and not able to pay my student loans.
Product: Mortgage

XXXX ) Lender conditionally approved our loan XXXX ARM for 6.0 % and their agent promised us and our buyer 's agent timed closing. She actually guaranteed it. 
XXXX ) they couldn't close in time because apparently, they needed my husband 's paycheck that says North Carolina remote on it and they told us that's the only pending item left. Their lender promised yet again that's the only item left and nothing else is needed. I asked her to verify, and our buyer 's agent also called her to verify, and she told the same thing. Last item and only item left. we will provide it and loan will be approved the same day and we are good to go. 
XXXX ) Few days before they came up with more items pending and we somehow provided them. She apologized for that. She guaranteed us we will be approved after provided paycheck details and she wrong again XXXX ) Lender gave us in writing that they don't need lease on our current home because they are not considering that income. Wrong again, she came back and asked for lease. We provided lease and then she came back asking for deposit check for the lease. nowhere she mentioned she needed that, XXXX ) Very close to new closing date again, and still not approved and they keep asking for new document, every step of the way. 

We are losing time, if we don't close this time, we might lose all our deposit and earnest money. and seller can ask us for compensation. 
My kids can't attend school anywhere because we have rented our current home in our current state, and we might not close on the new home. 
Our stuff is sitting with moving company with nowhere to go. We are planning to love in XXXX XXXX XXXX  with XXXX little kids. 

She dodge our calls. 
I think lender promised a low rate that they are having hard time providing us and they are stalling, so we simply go to someone else. Rather than accepting the rate that has been offered they can't give it to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXX XXXX XXXX  account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX ( {$1200.00} XXXX opened XX/XX/XXXX XXXX XXXX XXXX # XXXX, ( {$62.00} ) XXXX XXXX, Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX  XXXX, Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.
Product: Checking or savings account

I am filing a complaint with the CFCB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Synchrony bank several years in an attempt to resolve a past due balance on my amazon store card. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with Synchrony, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Product: Credit card or prepaid card

I had a GAP store card by XXXX Last year, suddenly GAP change to Barclay bank Then they issue new card to me which I never activate, the past may I received a charge for over {$5000.00} from a different card that I never requested I called the Barclay bank and they told me that they issue 2 mor cards to some one else whit a different address and phone number That person used the card for the amount of over {$5000.00} dlls Now Barclay bank is charging me for these transactions that I never did I called the bank and they told me to send my information via fax such ID SSC Proof of address I did it to many times and they keep chatting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Product: Debt collection

Medicredit was contacted by XXXX XXXX that the debt was not owed from me. The medical office XXXX XXXX never sent the bill to the insurance company for payment. I filed a grievance with XXXX and the result is I am not responsible for the debt. After Medicredit was contacted by XXXX   they sent me yet another bill and filed this information on my credit report. It isn't my fault the medical office didn't submit the bill and Medicredit needs to resolve the issue with XXXX XXXX XXXX.
Product: Debt collection

The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since XXXX 1992. I 've never had this debt nor have never co-signed for or authorized this debt. 

I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. 

XXXX and XXXX removed the account after performing their investigations. Please help. Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My bill says that my payment is due on the XXXX of each month. I logged on to pay it and as it turns out that the payment is credited the next day because it was after a certain hour ( and I don't mean after XXXX ). I called and was told they had waived a late fee in XXXX for the same reason. Why do they put a payment due date that I can't make the payment on after a certain hour? The payment date should be the date hours within reason of the due date or be given a 24 hour grace because of the way US Bank bills the late fee.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

They called me from time to time they want me to put in my account number they want me to put in my social security number they say it's about a debt I don't know where there coming from I don't know this company and I've never had any dealings with them
Product: Checking or savings account

On XXXX XXXX I received a notification through the Wells Fargo app that I had insufficient funds. This instantly made me check my account and sure enough I had no funds in my account anymore. I saw that there had been two transactions made for {$110.00} and {$120.00} at a XXXX. I called immediately to submit a claim to Wells Fargo and called the number on my card at about XXXX that same day. I let them know that I was not the one who had made those transactions and when I was asked if I had my card physically on me I assured them that I did. They also told me that the transactions were made in the city of XXXX XXXX where I do not live nor was I near by the time of the transaction. I was in XXXX, California calling from inside a XXXX XXXX to Wells Fargo trying to get this resolved as soon as possible and avoid any other fraud to happen to the other accounts that are linked to mine. Later in the week I would call again to get an update on my claim and was told that my case had been closed and that Wells Fargo had denied my claim. There reason for denying me my money was that the transactions made at the XXXX were done using a cards chip. Again I told them that I was not the one who had made the transactions and was told that they could no longer do nothing else. I wonder if they really investigated the claim as they should have considering that I am a customer and they are providing me with a service of keeping my money secure. Both the cameras of the XXXX and the XXXX XXXX should be reviewed to prove that I was not at the XXXX and I did not insert my card to make those transactions. Im convinced that the person or people in charge of my case did not do their job to there full ability as they are required to do and instead insinuated that I lied about the claim by telling me that every chip is unique and can not be replicated.