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

I have noticed that capital one has illegally reported my account with the CFPB. And this is reflecting on my credit score. I would like for this account to be removed from showing on my credit score.

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX  XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX CB INDIGO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DIGI CRD/S XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Product: Credit reporting or other personal consumer reports

I am requesting a deep dive investigation with Transunion credit reporting agency due to a requested deletion on behalf of the creditor and an account that does not match or no longer associates with my student loan debt. The Department of Education have kindly stated they have no association with my student loans and now belongs to XXXX due to the fresh start program I requested. However, via certified mail, they were very kind enough to still agree for a deletion of their accounts off my credit report due to the up to date student loan stability with XXXX along with my reason, sincere apology, and determination on a better credit file moving forward in the future. The Department of Educations request was approved with XXXX and XXXX thus being the reason of deletion on my credit report. Unfortunately, the Transunion credit reporting agency has not shown to follow the request after several disputes and help needed for a thorough investigation with everyone involved. I am now requesting for an investigation to help make sure the creditor, credit reporting agency and myself are all on the same page for my credit file. I look forward to getting this taken care of for an updated and accurate credit report. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has sent us 2 credit card Invoices with XXXX balance. We did not authorize or inquire about credit cards. Cards were never issued. They said the accounts were opened by them in. XXXX XXXX and we received the 1st Invoice today XX/XX/XXXX We were informed that they get a commission for every new card-and may be the reason card was sent to us This has caused us great harm as our credit number has dropped too low now to buy a home. 

Can a credit card company do this? They said it would take up to 90 days to report the problem to the credit bureau- THEY SHOULD BE PUNISHED AND THIS PRACTICE STOPPED!
Product: Debt collection

Someone from " XXXX XXXX XXXX  '' called and threatened that I was being taken to court on XX/XX/2021, by Chase Manhattan bank over an attempt to defraud the company to get money through false identity. The operator that answered the phone answered " corporate offices '' would not give me the name of the company. Phone number XXXX. 

I have never done business with Chase Manhattan Bank. SCAM
Product: Mortgage

I had a mortgage with Wells Fargo Bank, who after my husband passed away from XXXX XXXX refused to help with loan modification after I XXXX from my husband passing. They told me that my credit score needed to be at least at XXXX, then never helped me with a loan modification, and later foreclosed on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was incarcerated for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$800.00} Inquiries XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have fallen behind on Chase Mortgage due to expenses incurred from Hurricane XXXX, XXXX XXXX Expenses, Unexpected Legal Bills resulting in temporary Income Reduction. I have applied several times thru Chase for Loan Modification, but keep getting rejected for different reasons. 1 Reason was that since my mortgage was 30 days behing when Hurricane XXXX hit ; I was in-eligible. I dispute this. 2nd Reason was that my income & mortgage expense did not meet guidelines. 3rd Reason was that I did not qualify for HOPE Tier XXXX since there was too much equity in home even though the Chase Real Estate estimate showed that the Home Value was lower than mortgage owed. They acknowledge Hardship, but can not offer me a modification. In addition I received a letter from Chase regarding NY State settlement that they were offering to relook at my mortgae, but they did nothing. Thru this process there have been continual error from Chase in reporting my income & mortgage expense, and on appeal they simply change the reason for denial to something else. I do not feel I have been treated consistantly or in good faith. In addition, I can pay off a max of 50 % of my late payments, but they will not accept them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX : Act # ( XXXX ) and XXXX Act # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting

My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Working withXXXX experian and the loan accounts show that they closed with XXXX  then show that there is a balance. Also XXXX can not show a XXXX  as collections even from the beginning. Therefore there should not be a balance after XXXX  and or in collections for false information.
Product: Student loan

I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.
Product: Credit reporting

Experian falsely states that they investigated a dispute regarding XXXX public records. They stated that they contacted the Courts to validate and verify the info. They lied. I provided a letter to them from XXXX XXXX, Clerk of Court with the United States Bankruptcy Court of XXXX District of Texas stating that they have not and have never spoken or corresponded with EXPERIAN at all .They then sent a letter stating that they verified with a third party, However they refuse to disclose who this third party is and when they verified it. They are blatantly in violation of the law.I want the name of the third party, who they spoke with and I want it deleted from my report.
Product: Credit card or prepaid card

The complaint was filed XXXX and temporarily they took off {$240.00} dollars from the amount after they said they was not responsible department more lies. Then returned it days later because you accepted that response. There is no way an account that is closed accrues more interest they closed the account so it is now paid out to resolve. I did not close it they did. If you write the credit off or file a bankruptcy the account is no longer used and the amount owed decreases not increases when you pay it or resolve it Please resolve this ASAP this getting double paid for something they ended and this is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my ongoing and unsuccessful attempts to have fraudulent items removed from my credit report. 

Since then, I have made numerous attempts to resolve this matter through your customer service department. I have contacted your representatives each time detailing the fraudulent charges and requesting their immediate removal. 

Despite my repeated efforts, I have not received a satisfactory resolution to this issue. I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute forms or additional evidence proving the fraudulent nature of these transactions. 
I understand that addressing cases of fraud can be complex, but it is crucial that this matter is resolved promptly. I insist on a thorough and immediate investigation into these fraudulent charges and their removal from my account. Additionally, I request a written confirmation of the resolution and the actions taken to rectify this situation. 
Please treat this matter with the utmost urgency and seriousness, as it directly affects my financial well-being and security. I am asking for your assistance to remove immediately these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I graduated in XX/XX/2002. My loans were consolidated with XXXX which is now Navient. I have had to defer my loans at times due to financial hardship ( jobs at minimum wage, worked for XXXX at XXXX a year, laid off etc ) but I have NEVER been in default. For 15 years I have paid and I owe more now than I borrowed. Now I ca n't buy a home despite my XXXX credit score because of my student loan debt. The bank actually told me it looks like there is no end to when I will pay off the loans so they wo n't lend me money. I am living with my parents at XXXX and am so unhappy. I 've ALWAYS made my payments when I had money to do so and continue making payments. When I reached out to Navient - I got an email saying I HAD to pay my student Loans and I best not go in default etc - NO HELP!
Product: Debt collection

In my credit report they see 2 credit cards with this company because I was a victim of identity theft and they opened 2 accounts with them and with different companies. I have sent them on several occasions a police report and different documents to prove to the company that it was not me who opened these accounts, but they investigated and determined that one of the accounts was opened fraudulently and the other they began to charge me for middle of the court. I have asked them to validate if the address and all the information that appears in this account is the same as the account that they deleted me because none of the 2 accounts belong to me and they tell me that they do not know how it was valid because that is a department apart and that they do not outline. 

This was the letter I sent to the company today. 


I am writing this letter because I received a letter from the court where I was summoned for an account that appears under my name with you, this account and another account that appears in my credit report was disputed more than a month ago because I was a victim of theft of identity and this and other accounts were opened under my name. One of the accounts I had with you that ends XXXX was investigated and deleted because it did not belong to me either. I need this account to be investigated again and stop any type of collection through the courts because I have evidence which was sent to you a month ago certifying that I was a victim of identity theft and these accounts do not belong to me. I need you to validate all the information you have about this account, such as my driver 's licenses, social security and any document from which these cards were received when they were opened. I will be sending the police report and all the documents that I send so that this investigation can be opened and investigated in a fair manner. How is it possible that one of the accounts you delete because it does not belong to me and the other not because you believe it belongs to me. I will be filing a complaint with the Consumer Financial Bureau to ask them to investigate you because you are not complying with federal fair credit laws.
Product: Debt collection

Kings credit service, is damaging my credit file. They claim I owe an alleged debt. Ive requested that they provide me with a contract between Myself and the company. I would like a audit trail in connection with this alleged account that I didnt authorize to open. I filed a complaint with the XXXX  and the companies response was some statements and invoices from some company, as well as supposed " notes '' of telephone conversations. Once again if that was them calling me, that was invasion of my privacy because I didn't give them permission to cause my phone to ring. The " communication '' they have in there notes is not related to location informtion. It is in connection with this alleged debt. They are posting on my consumer file negatively, causing harm to my reputation.
Product: Credit card

I got a kays credit card I'm XXXX of XXXX. I was told by the salesperson that with their promotion, I would not have any interest for the first 18 months I had the card. She never said anything about having to pay off the entire balance or my interest would compound and be added to my balance. So I was quite confused when I had {$1500.00} of interest added onto my account. I called XXXXXX/XX/XXXX on XX/XX/XXXX and the person I spoke to said " yes I understand. They don't always explain the promotional things very well. They just try to sell the cards. '' Or at least something to that extent.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I received multiple calls from several banks yesterday and today ( XX/XX/XXXX and XX/XX/XXXX ) about new account opening, while I have not opened any new account. 

I have also received a mortgage account login attempt -- I already updated the password but worried that the fraud & identity theft is still ongoing.
Product: Mortgage

Our Mortgage originated with XXXX XXXX. We had made additional payments to be applied to principal over the last several years. XXXX XXXX sold the mortgage to Mr. Cooper in XX/XX/XXXX. In XXXX Mr. Cooper sent us a letter stating that the mortgage was paid ahead to XX/XX/XXXX and did we want to pay it ahead or have those monies applied to principal. With that I called them immediately, ( Case Reference number XXXX ), and requested they apply all additional payments that were made to principal, that was on or about XX/XX/XXXX. I was told I'd hear from them within a week. After a week or more I followed up with them and was told my request was declined. I asked to speak to a supervisor on XX/XX/XXXX and spoke to a XXXX on the escalation team. She assured me this would be resolved and they'd get back to me within 3 business days. They haven't responded and now I'm being pushed from one person to the next without any resolution to the problem and no assurance that it would be corrected. Clearly, we never intended to pay the mortgage ahead, we always wanted those extra monies applied to the principal. Mr. Cooper sent us a letter in writing asking us if we wanted those payments applied to principal and we responded that we did, now they won't honor our demands to correct the mis-application of those payments, charging us XXXX XXXX XXXX XXXX XXXX in additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 things showing a collection on my credit report and neither one I have any knowledge of and were not my accounts. The first one is XXXX XXXX for {$770.00} and the second one is LVNV FUNDING, LLCXXXX XXXX  for {$800.00}. I've never had either one of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at XXXX XXXX XXXX XXXX. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. XXXX XXXX XXXX XXXX refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with the credit reporting agency Trans Union ) and noticed that they were reporting a bankruptcy on my reports. under my name. I have sent a few letters inquiring about how they came up with my name and that I had allegedly filed for bankruptcy. 

On XX/XX/2020 - I sent Trans Union my first letter inquiring about how they got the information, ask them for proof that their information is accurate, in other words, " validation '' Because to my knowledge and investigations. any information that appears on a credit report " must be 100 % accurate, and verifiable '' there is another word but it doesn't come to my mind right now. 

I write to them again on XX/XX/XXXX, XX/XX/XXXX. and they finally corresponded by saying it was verified. But I contacted the bankruptcy XXXX that is on the credit report and they sent me a letter saying that they do not share any information with anyone so they have no idea of how my name is in this matter. 

Trans Union only said that it was " verified '' but provided absolutely no proof as to why my name is involved in this matter. Can you assist me in clearing my good name please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to start off with the simple fact I am XXXX XXXX XXXX as of the XXXX Day of XXXX. I looked at my credit report only to find that someone has submitted applications for credit in my name though multiple lenders. These inquires are not mines. This is fraud! This is very frustrating and Im extremely livid about this. These are the dates of which the crimes were committed.
Product: Credit reporting or other personal consumer reports

I have mailed dispute letters to all three bureaus and navy federal disputing the accuracy since XXXX of XXXX they have yet to accurately report to my credit report and are breaking law by reporting late payment to collection accounts. the account was sent to collections XX/XX/year> and the have been reporting late payments when the debt is no longer owned by them which is illegal according to FCRA ( 15 U.S. Code 1681s-2 ) and FDCPA ( 15 U.S. Code 1692e )